JP7652597B2 - Reception device, reception method, and reception program - Google Patents

Description

The present invention relates to a reception device, a reception method, and a reception program.

In recent years, electronic payments using QR codes (registered trademark) have become widespread. In addition, remittance services using information and communication services such as SNS (Social Network Service) have been put into practical use. For example, Patent Document 1 discloses a payment system in which, when a representative pays a bill using QR code payment, other payers are notified that they will pay equally, and the other payers transfer the divided amount to the representative, allowing the payment to be made equally after the fact.

However, one of the reasons why QR code payments have not yet been widely adopted is that some users are unfamiliar with how to use them. For this reason, there is room for improvement in making QR code payments an easy-to-use remittance method for users.

JP 2020-113124 A

In view of the above problems, the present invention aims to provide a reception device, reception method, and reception program that can improve the convenience of users when transferring money and placing orders.

In order to solve the above-mentioned problems and achieve the objectives, the reception device according to the present disclosure includes an acquisition unit that acquires messages between users, an analysis unit that analyzes the messages acquired by the acquisition unit, and a reception unit that displays a remittance acceptance message on the user terminal and accepts a remittance instruction when the analysis unit analyzes the messages and estimates that a remittance is necessary between the users.

According to one aspect of the embodiment, it is possible to provide a reception device, a reception method, and a reception program that can improve the convenience of users in remittances and orders.

FIG. 1 is a diagram illustrating an example of a reception process according to an embodiment. FIG. 2 is a diagram illustrating another example of the reception process according to the embodiment. FIG. 3 is a diagram illustrating an example of the configuration of a reception system according to the embodiment. FIG. 4 is a diagram illustrating an example of the configuration of a reception device according to the embodiment. FIG. 5 is a diagram illustrating an example of the configuration of a user terminal according to the embodiment. FIG. 6 is a diagram illustrating an example of an account database of the acceptance device according to the embodiment. FIG. 7 is a diagram illustrating an example of a message database of the reception device according to the embodiment. FIG. 8 is a diagram illustrating an example of a group database of the reception device according to the embodiment. FIG. 9 is a diagram illustrating an example of a product database of the reception device according to the embodiment. FIG. 10 is a flowchart illustrating an example of a reception process according to the embodiment. FIG. 11 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the reception device.

Below, a detailed description will be given of the form (hereinafter, "embodiment") for implementing the reception device, reception method, and reception program according to the present application with reference to the drawings. Note that the reception device, reception method, and reception program according to the present application are not limited to this embodiment. Also, the same parts in the following embodiments are given the same reference numerals, and duplicated descriptions will be omitted.

(Embodiment)
1-1. An example of reception processing
First, an example of a reception process according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of the reception process according to the embodiment. Fig. 1 shows an example in which the reception process according to the embodiment is executed by a reception device 100.

Figure 1 shows an example in which the reception device 100 analyzes messages sent from the user terminals 200A and 200B and receives a remittance instruction. Below, an example of the reception process according to the embodiment will be described using Figure 1.

The user terminal 200A transmits the message 10A input by the user U1 to the reception device 100 (step S1). For example, assume that the user U1 inputs the message 10A "I want 10,000 yen for New Year's money" to the user terminal 200A. In this case, the user terminal 200A transmits the message 10A input by the user U1 to the reception device 100.

The reception device 100 analyzes the message 10A sent from the user terminal 200A (step S2). For example, the reception device 100 analyzes whether the message 10A contains keywords related to the remittance request.

The reception device 100 displays the message 10A on the user terminal 200B (step S3). For example, the reception device 100 displays the message 10A on the screen of the user terminal 200B.

The user terminal 200B transmits the message 10B input by the user U2 to the reception device 100 (step S4). For example, assume that the user U2 inputs the message 10B "I'll give it to you" to the user terminal 200B. In this case, the user terminal 200B transmits the message 10B input by the user U2 to the reception device 100.

The reception device 100 analyzes the message 10B sent from the user terminal 200B (step S5). For example, if the message 10A contains a keyword related to a remittance request, the reception device 100 analyzes whether the message 10B indicates an intention to accept the remittance.

The reception device 100 causes the user terminal 200B to display the remittance acceptance message 20A (step S6). For example, the reception device 100 causes the user terminal 200B to display the remittance acceptance message 20A "Would you like to remit 10,000 yen to U1?" after displaying two options, "YES" and "NO."

The user terminal 200B transmits a remittance instruction to the reception device 100 (step S7). For example, when the user U2 selects the option "YES" while the remittance acceptance message 20A is displayed on the user terminal 200B, the user terminal 200B transmits a remittance instruction to the reception device 100.

The reception device 100 transfers money from the account of user U2 to the account of user U1 (step S8). For example, the reception device 100 transfers "10,000 yen" from the account of user U2 to the account of user U1 in accordance with the received remittance instruction.

The reception device 100 displays remittance completion messages 30A and 30B on the user terminals 200A and 200B, respectively (steps S9-1 and S9-2). For example, the reception device 100 displays remittance completion message 30A "10,000 yen has been remitted from U2" on the user terminal 200A, and displays remittance completion message 30B "Remittance of 10,000 yen to U1 has been completed" on the user terminal 200B.

This allows users to send money without having to perform complicated operations, improving the convenience of sending money for users.

[1-2. Estimating the trustworthiness of the recipient]
The acceptance device 100 estimates the reliability of the remittance destination, and does not accept the remittance instruction if the remittance destination is estimated to be unreliable.

For example, suppose that messages are exchanged between user U1 and user U2, the reception device 100 estimates that a remittance is necessary between the users, causes user U1's user terminal 200A to display a remittance acceptance message, and user U1 instructs user U2 to remit money via user terminal 200A. Then, suppose that reception device 100 estimates the trustworthiness of remittance destination user U2 and infers that remittance destination user U2 is "untrustworthy." In this case, reception device 100 does not accept user U1's instruction to remit money to user U2, and causes user U1's user terminal 200A to display an error message saying "Remittance instruction could not be accepted because user U2 is untrustworthy."

This will prevent users from suffering disadvantages due to sending money to unreliable recipients, thus improving the convenience of users when sending money.

[1-3. Estimating the trustworthiness of the recipient based on past message exchanges]
The acceptance device 100 estimates the trustworthiness of the remittance recipient based on past message exchanges between the remitter and the remittance recipient.

For example, suppose that user U2 sends user U1 a message requesting a money transfer, even though there has been no past message exchange between user U1 and user U2. In response, assume that user U1 sends user U2 a message indicating that he/she agrees to the money transfer. Then, assume that reception device 100 displays a money transfer acceptance message on user U1's user terminal 200A, and user U1 instructs user U2 to transfer money to user U2 via user terminal 200A. In this case, reception device 100 refers to past message exchanges between user U1 and user U2 to determine the trustworthiness of user U2, the recipient of the money transfer. As mentioned above, because there has been no past message exchange between user U1 and user U2, reception device 100 infers that user U2 is "untrustworthy." The reception device 100 then does not accept the remittance instruction sent by user U1 via user terminal 200A to user U2, and displays an error message on user U1's user terminal 200A saying "The remittance instruction could not be accepted because user U2 is not trustworthy."

This will prevent users from suffering disadvantages due to sending money to unreliable recipients, thus improving the convenience of users when sending money.

[1-4. Estimating the trustworthiness of the remittance recipient based on the trustworthiness of the remittance sender]
If the remittance destination is considered to be a trustworthy party by the remitter, the accepting device 100 presumes that the remittance destination is trustworthy.

For example, suppose that there has been no past message exchange between user U1 and user U2, but user U1 has registered user U2 as a trustworthy person in, for example, a "family group." Then, suppose that user U2 sends user U1 a message requesting a remittance. In response, suppose that user U1 sends user U2 a message indicating that he/she will remit money. Then, suppose that reception device 100 displays a remittance acceptance message on user U1's user terminal 200A, and user U1 instructs user U2 to remit money via user terminal 200A. In this case, reception device 100 estimates the reliability of user U2, who is the remittance destination, based on the reliability of user U2 in the eyes of user U1, who is the remitter. In other words, since user U1 has registered user U2 as a trustworthy person in a "family group," reception device 100 estimates that user U2 is "trustworthy" based on this. Then, reception device 100 accepts a remittance instruction from user U1 to user U2 via user terminal 200A, and transfers the money from user U1's account to user U2's account. Reception device 100 then displays a remittance completion message on user terminals 200A and 200B. Note that even if there has been no previous message exchange between user U1 and user U2, reception device 100 presumes that user U2 is "trustworthy" if user U2 is considered to be a trustworthy party by user U1.

As a result, even if there has been no previous message exchange between the remittance recipient user and the remittance sender user, if the remittance recipient is deemed trustworthy by the remittance sender, the remittance instruction will be accepted. This improves the convenience of remittances for users.

[1-5. Identify the remittance amount from the message content and accept the remittance instruction for the identified amount]
The reception device 100 specifies the remittance amount from the contents of the message, displays the specified remittance amount on the user terminal 200, and receives a remittance instruction.

For example, assume that user U1 sends message 10A "I want 10,000 yen for New Year's money" to user U2. In this case, reception device 100 analyzes message 10A "I want 10,000 yen for New Year's money" sent by user U1 and identifies the amount of money that user U2 requests to send as "10,000 yen". Then, reception device 100 displays message 10A on user terminal 200B of user U2. In response, assume that user U2 inputs message 10B "I'll give it to you" into user terminal 200B. Reception device 100 analyzes message 10B and presumes that user U2 is willing to send money to user U1. Reception device 100 displays a remittance acceptance message on user terminal 200B of user U2 after identifying the amount. For example, reception device 100 displays the remittance acceptance message "Would you like to send 10,000 yen to user U2?" on user terminal 200B after displaying two options, "YES" and "NO". When user U2 selects the "YES" option while remittance acceptance message 20A is displayed on user terminal 200B, user terminal 200B sends a remittance instruction to reception device 100. Reception device 100 accepts the remittance instruction and remits "10,000 yen" from user U2's account to user U1's account. Reception device 100 then displays a remittance completion message on user terminals 200A and 200B.

This allows users to send money without having to input the amount to send when instructing the user to send money. This improves the convenience of sending money for users.

[1-6. Identify the desired item from the contents of the message and accept the order for the identified item]
The reception device 100 estimates what the user wants from the contents of the message, displays information on an electronic commerce site dealing in the estimated desired item on the user terminal 200, and receives an order for the desired item from the user.

Another example of the reception process according to the embodiment will be described with reference to FIG. 2. FIG. 2 is a diagram showing another example of the reception process according to the embodiment. FIG. 2 shows an example in which the reception process according to the embodiment is executed by the reception device 100.

Figure 2 shows an example in which the reception device 100 analyzes messages sent from the user terminals 200A and 200B and accepts orders for desired items. Below, another example of the reception process according to the embodiment will be described with reference to Figure 2.

The user terminal 200B transmits the message 10C input by the user U2 to the reception device 100 (step S10). For example, assume that the user U2 inputs the message 10C "What do you want for your birthday?" to the user terminal 200B. In this case, the user terminal 200B transmits the message 10C input by the user U2 to the reception device 100.

The reception device 100 analyzes the message 10C sent from the user terminal 200B (step S20). For example, the reception device 100 analyzes whether the message 10C contains keywords related to a request for a gift.

The reception device 100 displays the message 10C on the user terminal 200A (step S30). For example, the reception device 100 displays the message 10C on the screen of the user terminal 200A.

The user terminal 200A transmits the message 10D input by the user U1 to the reception device 100 (step S40). For example, assume that the user U1 inputs the message 10D "I want wireless earphones" to the user terminal 200A. In this case, the user terminal 200A transmits the message 10D input by the user U1 to the reception device 100.

The reception device 100 analyzes the message 10D sent from the user terminal 200A (step S50). For example, the reception device 100 infers that the desired item is "wireless earphones," a word that refers to an item contained in the message 10D.

The reception device 100 identifies an e-commerce site that handles the estimated desired item (step S60). For example, the reception device 100 identifies the e-commerce site that handles "wireless earphones" as "XX Mall."

The reception device 100 causes the user terminal 200B to display the message 10D (step S70). For example, the reception device 100 causes the message 10D to be displayed on the screen of the user terminal 200B.

The reception device 100 displays an order acceptance message 40A on the user terminal 200B (step S80). For example, the reception device 100 displays, on the user terminal 200B, the order acceptance message 40A, "Wireless earphones are sold at XX Mall," along with a link to the order acceptance page for "wireless earphones" on "XX Mall."

This allows users to easily order the items they want, improving user convenience when ordering.

[2. Configuration of the reception system]
Next, the configuration of the reception system according to the embodiment will be described with reference to FIG. 3. FIG. 3 is a diagram showing an example of the configuration of the reception system according to the embodiment. As shown in FIG. 3, the reception system 1 includes a reception device 100 and a user terminal 200. The reception system 1 shown in FIG. 3 may include a plurality of reception devices 100 or a plurality of user terminals 200. In FIG. 3, two user terminals, 200A and 200B, are included as the user terminals 200. The reception device 100, the user terminal 200A, and the user terminal 200B are connected to each other via a predetermined communication network (network N) so as to be able to communicate with each other by wire or wirelessly.

The reception device 100 is used to receive messages from the user terminals 200A and 200B, analyze the received messages, and then accept remittances or orders. The reception device 100 is an information processing device such as a personal computer, a WS (Work Station), or a computer with server functions. The reception device 100 performs processing based on information transmitted from the user terminals 200A and 200B via the network N.

The user terminal 200 is an information processing device used by a user. The user terminal 200 may be, for example, an information processing device such as a smartphone, a tablet terminal, a desktop personal computer, a notebook personal computer, a mobile phone, or a PDA (Personal Digital Assistant). Note that the example shown in Figures 1 and 2 shows a case where the user terminal 200 is a smartphone.

3. Configuration of the Reception Device
Next, the configuration of the reception device 100 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the reception device according to the embodiment. As shown in Fig. 4, the reception device 100 has a communication unit 110, a storage unit 120, and a control unit 130. Note that the reception device 100 may have an input unit (e.g., a keyboard, a mouse, etc.) that receives various operations from an administrator of the reception device 100, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC), etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 200.

(Regarding the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk, an SSD (Solid State Drive), an optical disk, etc. As shown in FIG. 4 , the storage unit 120 has an account database 121, a message database 122, a group database 123, and a product database 124.

(Regarding the account database 121)
The account database 121 stores various information related to the user's account. An example of information stored in the account database 121 will now be described with reference to Fig. 6. Fig. 6 is a diagram showing an example of an account database for a reception device according to an embodiment. In the example of Fig. 6, the account database 121 stores information related to the items of "owner information" and "account balance" in association with an "account ID".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the user who owns the account, and for example, stores identification information (identifier) for identifying the owner. "Account information" indicates the balance of an account owned by a user.

In other words, Figure 6 shows an example in which the owner information of the account identified by the account ID "AID#1" is "User #1" and the account balance is "7,800 yen."

(Message Database 122)
The message database 122 stores information on messages exchanged between users. An example of information stored in the message database 122 will now be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of the message database of the reception device according to the embodiment.
In the example of FIG. 7, the message database 122 stores information relating to the items "source user ID,""destination user ID," and "message" in association with each other.

"Source user ID" indicates identification information (identifier) used to identify the user who is the sender of the message. "Destination user ID" indicates identification information (identifier) used to identify the user who is the destination of the message. "Message" indicates the text data of the message sent from the user indicated by "Source user ID" to the user indicated by "Destination user ID".

In other words, Figure 7 shows that the user indicated by the source user ID "UID#1" sent the message "Message #U1-U2-1" to the user indicated by the destination user ID "UID#2."

The information stored in the message database 122 is not limited to information related to the items "sender user ID," "destination user ID," and "message," but may store any other information related to messages between users.

(Regarding group database 123)
The group database 123 stores information in which a specific user has grouped other users based on attributes and relationships. An example of information stored in the group database 123 will be described with reference to Fig. 8. Fig. 8 is a diagram showing an example of a group database of the reception device according to the embodiment. In the example of Fig. 8, the group database 123 stores information relating to the items of "user ID", "group name", and "group member ID" in association with each other.

"User ID" indicates identification information for identifying a user. "Group name" indicates the name of the group into which the user indicated by the user ID has grouped other users. "Group member ID" indicates the user ID of a user classified into the group indicated by the "Group name".

In other words, Figure 8 shows that the user indicated by the user ID "UID#1" has registered the users indicated by the group member IDs "UID#2, UID#3, UID#4" in the group indicated by the group name "Family Group."

The information stored in the group database 123 is not limited to information related to the items "user ID," "group name," and "group member ID," and any other information indicating relationships between users may be stored.

The group database 123 may also store the trustworthiness of a specific user with respect to other users. In this case, the group database 123 stores information related to the items of, for example, "user ID", "trustworthiness evaluation target user ID", and "trustworthiness" in a linked manner. "User ID" indicates identification information for identifying a specific user who evaluates the trustworthiness of other users. "Trustleworthiness evaluation target user ID" indicates the user ID of other users whose trustworthiness is to be evaluated by the user indicated by "user ID". "Trustleworthiness" indicates the evaluation value of the trustworthiness of the user indicated by "trustworthiness evaluation target user ID" whose trustworthiness has been evaluated by the user indicated by "user ID".

(Regarding the product database 124)
The product database 124 stores information about products handled on the e-commerce site. An example of information stored in the product database 124 will be described with reference to Fig. 9. Fig. 9 is a diagram showing an example of a product database of the reception device according to the embodiment. In the example of Fig. 9, the product database 124 stores information related to the items "e-commerce site" and "product" in association with each other.

"Electronic commerce site" indicates the name of the electronic commerce site. "Product" indicates the name of the product handled on the electronic commerce site indicated by "Electronic commerce site".

In other words, Figure 9 shows that the electronic commerce site indicated by "XX Mall" handles products "Product A" and "Product B."

The information stored in the product database 124 is not limited to information related to the items "electronic commerce site" and "product", but may store information related to products handled on any other electronic commerce site.

(Regarding the control unit 130)
Next, returning to Fig. 4, the control unit 130 will be described. The control unit 130 is realized by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, executing various programs stored in the storage device of the accepting device 100 using a RAM as a working area. The control unit 130 may also be realized by an integrated circuit such as an ASIC (Application Specific Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 4, the control unit 130 has an acquisition unit 131, an analysis unit 132, a reception unit 133, an estimation unit 134, and a remittance processing unit 135.

(Regarding the Acquisition Unit 131)
The acquisition unit 131 acquires a message input by a user to the user terminal 200 from the user terminal 200. For example, when the user U1 inputs a message 10A "I want 10,000 yen for New Year's money" to the user terminal 200A as a message addressed to the user U2, the acquisition unit 131 acquires the message 10A input by the user U1 from the user terminal 200A, the user ID "UID#1" of the user U1 who is the sender, and the user ID "UID#2" of the user U2 who is the destination, in association with each other. When the acquisition unit 131 acquires the message 10A input by the user U1 from the user terminal 200A, the user ID of the user U1 who is the sender, and the user ID of the user U2 who is the destination, the acquisition unit 131 stores these pieces of information in the message database 122 of the storage unit 120 in association with each other.

(Regarding the analysis unit 132)
The analysis unit 132 analyzes the message acquired by the acquisition unit 131. For example, the analysis unit 132 performs a morpheme analysis on the message acquired by the acquisition unit 131 to divide the message into morphemes. After dividing the message into morphemes, the analysis unit 132 analyzes whether the divided morphemes contain keywords related to a remittance request. For example, the analysis unit 132 analyzes whether keywords related to a remittance request, such as "New Year's money,""lendme,""payme,""send me money,""payment," and "split the bill," are included. Note that the keywords related to a remittance request are not limited to these, and may be set arbitrarily. If the message acquired by the acquisition unit 131 contains a keyword related to a remittance request, the analysis unit 132 analyzes the message input by the destination user and analyzes whether the destination user is willing to accept the remittance. For a message containing a keyword related to a remittance request, the willingness of the destination user of the message to accept the remittance can be analyzed using BERT (Bidirectional Encoder Representations from Transformers) or ALBERT (A Light BERT), which is a lightweight version of BERT. That is, the analysis unit 132 analyzes whether the message input by the destination user of the message containing a keyword related to the remittance request indicates the willingness to accept the remittance request. When the analysis unit 132 analyzes that the message input by the destination user of the message containing a keyword related to the remittance request indicates the willingness to accept the remittance request, the analysis unit 132 causes the reception unit 133 to display a "remittance reception message" on the user terminal 200 of the destination user.

Furthermore, the analysis unit 132 analyzes the message acquired by the acquisition unit 131 and identifies the amount to be remitted from the content of the message. For example, the analysis unit 132 performs morphological analysis on the message acquired by the acquisition unit 131 to divide the message into morphemes. After dividing the message into morphemes, the analysis unit 132 analyzes whether the divided morphemes contain a word that means an amount. Note that if the message contains multiple words that mean an amount, the word that means an amount and is located near the keyword related to the remittance request is identified as the amount to be remitted.

Furthermore, the analysis unit 132 analyzes the message acquired by the acquisition unit 131 and infers what the user wants from the content of the message. For example, the analysis unit 132 performs morphological analysis on the message acquired by the acquisition unit 131 to divide the message into morphemes and analyze whether the divided morphemes contain keywords related to requests for gifts. For example, it analyzes whether keywords related to requests for gifts, such as "I want," "Give it to me," and "Give it to me," are included. Note that keywords related to requests for gifts are not limited to these and may be set arbitrarily. If a keyword related to requests for gifts is included in the message acquired by the acquisition unit 131, it infers that a word meaning an object, among the morphemes included in the sentence located near the keyword, is the desired thing.

(Regarding the reception unit 133)
The reception unit 133 displays a "remittance acceptance message" on the user terminal 200 to accept a remittance instruction from the user. Here, the "remittance acceptance message" may be information including a "remittance destination user ID," a "remittance intention confirmation message," and a "remittance amount selection button." The "remittance destination user ID" is information indicating the user ID of the remittance destination user. The "remittance intention confirmation message" is a message for confirming the user's intention to remit. For example, it may be a message such as "Do you want to remit?" and a message for confirming the user's intention to remit by having the user select either one of the options "YES" or "NO." The "remittance amount selection button" is a button for selecting the amount to be remitted to the remittance destination. The "remittance amount selection button" may be a message for accepting input of the remittance amount. When the user selects the option "YES" after selecting the remittance amount using the "remittance amount selection button," the reception unit 133 acquires information on the "remittance source user ID,""remittance destination user ID," and "remittance amount" as a remittance instruction from the user via the user terminal 200.

If the analysis unit 132 has specified the remittance amount, the "remittance acceptance message" includes the "remittance destination user ID," "remittance intention confirmation message," and "remittance amount." The "remittance destination user ID" and "remittance intention confirmation message" have been described above, so their description will be omitted. The "remittance amount" is information indicating the remittance amount specified by the analysis unit 132. In this case, the "remittance acceptance message" may be a message that specifies the remittance amount, for example, by asking "Do you want to remit 10,000 yen to U2?" and then prompting the user to select either "YES" or "NO" to confirm the user's intention to remit. In this case, the reception unit 133 obtains the information on the "remittance source user ID," "remittance destination user ID," and "remittance amount" as a remittance instruction from the user via the user terminal 200.

The reception unit 133 does not accept a remittance instruction when the estimation unit 134, which will be described later, estimates that the remittance destination is not trustworthy. In other words, even if the reception unit 133 acquires a remittance instruction from a user, the estimation unit 134, which will be described later, estimates the reliability of the remittance destination, and when the estimation unit 134 estimates that the remittance destination is "not trustworthy," the reception unit 133 does not accept the user's remittance instruction. Therefore, the reception unit 133 judges whether or not to accept the user's remittance instruction based on the reliability of the remittance destination estimated by the estimation unit 134. When the reception unit 133 judges that the user's remittance instruction is not accepted, the reception unit 133 displays an "error message" on the user terminal 200. The "error message" is a message indicating that the user's remittance instruction is not accepted. For example, the "error message" may be "Since U2 is not trustworthy, your remittance instruction to U2 cannot be accepted." If the estimation unit 134 estimates that the remittance destination is trustworthy, the reception unit 133 accepts the user's remittance instruction and transmits information on the "remittance source user ID," "remittance destination user ID," and "remittance amount" to the remittance processing unit 135.

The reception unit 133 displays on the user terminal 200 information about an e-commerce site that handles the desired item estimated by the analysis unit 132, and receives an order for the desired item from the user. For example, suppose that the analysis unit 132 analyzes the message and estimates that the desired item of the user is "wireless earphones". In this case, the reception unit 133 refers to the product database 124 to identify an e-commerce site that handles "wireless earphones". Here, suppose that the e-commerce site that handles "wireless earphones" is "XX Mall". In this case, the reception unit 133 displays on the user terminal 200 a link to an order reception page for "wireless earphones" on the e-commerce site "XX Mall". In other words, the reception unit 133 displays a link to the order reception page of the e-commerce site, thereby encouraging the user to place an order on the e-commerce site.

(Regarding the estimation unit 134)
When the reception unit 133 receives a remittance instruction from a user via the user terminal 200, the estimation unit 134 estimates the reliability of the remittance destination. For example, the estimation unit 134 estimates the reliability of the remittance destination based on past message exchanges between the remittance source and the remittance destination. For example, the estimation unit 134 refers to the message database 122 and checks whether there has been past message exchanges between the remittance source user and the remittance destination user. If there has been no message exchange between the remittance source user and the remittance destination user, the estimation unit 134 estimates that the remittance destination user is "unreliable." Furthermore, when the estimation unit 134 refers to the message database 122 and estimates that the remittance source user and the remittance destination user have a bad relationship based on past message exchanges between the remittance source user and the remittance destination user, it estimates that the remittance destination user is "unreliable."

If the remittance destination is considered to be a trustworthy party by the remittance source, the estimation unit 134 estimates that the remittance destination is trustworthy. The estimation unit 134 estimates the trustworthiness of the remittance destination, for example, by referring to the relationship between the remittance source user and the remittance destination user stored in the group database 123. That is, for example, assume that the remittance source user is a user indicated by user ID "UID#1" and the remittance destination user is a user indicated by user ID "UID#2". Then, as shown in FIG. 8, assume that the remittance source user indicated by user ID "UID#1" has registered the remittance destination user indicated by user ID "UID#2" in the group name "Family Group". In this case, the estimation unit 134 estimates that the remittance destination user indicated by user ID "UID#2" is "trustworthy". Furthermore, when the group database 123 stores an evaluation value of the trustworthiness of a particular user with respect to other users, the estimation unit 134 may estimate the trustworthiness of the remittance destination based on the evaluation value of the trustworthiness of the remittance destination user of the remittance source user.

(Regarding the remittance processing unit 135)
When the reception unit 133 receives a remittance instruction from a user, the remittance processing unit 135 performs a process of remittance from the remittance source user's account to the remittance destination user's account. The remittance processing unit 135 performs remittance processing based on the information of "remittance source user ID", "remittance destination user ID", and "remittance amount" transmitted from the reception unit 133. For example, assume that the user indicated by the "remittance source user ID" is user U2, the user indicated by the "remittance destination user ID" is user U1, and the remittance amount indicated by the "remittance amount" is 10,000 yen. In this case, the remittance processing unit 135 performs a process of transferring electronic money of 10,000 yen from the account with the account ID "AID#2" of user U2 shown in FIG. 6 to the account with the account ID "AID#1" of user U1.

When the remittance process is complete, the remittance processing unit 135 displays a "remittance completion message" on the user terminal 200. The "remittance completion message" is a message indicating that the transfer of electronic money indicated by the "remittance amount" from the account of the user indicated by the "remittance source user ID" to the account of the user indicated by the "remittance destination user ID" has been completed. For example, the "remittance completion message" may be something like "Remittance of 10,000 yen to U1 has been completed."

[4. Configuration of user terminal]
Next, the configuration of the user terminal 200 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the configuration of the user terminal according to the embodiment. As shown in Fig. 5, the user terminal 200 has a communication unit 210, an input unit 220, an output unit 230, and a control unit 240.

The communication unit 210 is realized, for example, by a NIC. The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives various information to and from the reception device 100 via the network N.

The input unit 220 receives various operations input from the user. For example, the input unit 220 may receive various operations from the user via a display surface (e.g., the output unit 230) using a touch panel function. The input unit 220 may also receive various operations from buttons provided on the user terminal 200, or a keyboard or mouse connected to the user terminal 200.

The output unit 230 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display, and is a display device for displaying various information. In other words, the user terminal 200 accepts user input through the display screen, which is the output unit 230, and also outputs to the user.

The control unit 240 is realized, for example, by a CPU, an MPU, or the like, executing various programs stored in the user terminal 200 using the RAM as a working area. The control unit 240 may also be realized, for example, by an integrated circuit such as an ASIC or an FPGA.

As shown in FIG. 5, the control unit 240 has an acquisition unit 241 and a reception unit 242.

The acquisition unit 241 acquires a message that a user has input to the user terminal 200 via the input unit 220 and that is addressed to another user. That is, the acquisition unit 251 acquires the message that the user has input by linking it with the user ID of the sending user and the user ID of the destination user. When the acquisition unit 241 acquires a message that a user has input to another user, the acquisition unit 241 transmits the acquired message to the reception device 100 by linking it with the user ID of the sending user and the user ID of the destination user.

The reception unit 242 displays the "remittance acceptance message" sent from the reception device 100 on the output unit 230 and accepts remittance instructions from the user. If the analysis unit 132 of the reception device 100 has not specified the remittance amount and the "remittance acceptance message" sent from the reception device 100 contains information including the "remittance destination user ID," "remittance intention confirmation message," and "remittance amount selection button," the reception unit 242 displays the "remittance destination user ID," "remittance intention confirmation message," and "remittance amount selection button" on the output unit 230, and accepts the remittance instruction upon receipt of the remittance amount specified by the user. When the reception unit 242 accepts a remittance instruction from the user, it transmits the remittance instruction accepted from the user to the reception device 100.

If the analysis unit 132 of the reception device 100 has identified the remittance amount and the "remittance acceptance message" sent from the reception device 100 includes a "remittance destination user ID," a "remittance intention confirmation message," and a "remittance amount," the reception unit 242 displays the "remittance destination user ID," "remittance intention confirmation message," and "remittance amount" on the output unit 230 and accepts a remittance instruction for the identified remittance amount without receiving a remittance amount specification from the user. When the reception unit 242 accepts a remittance instruction from the user, it transmits the remittance instruction accepted from the user to the reception device 100.

The reception unit 242 displays the "order acceptance message" sent from the reception device 100 and accepts an order from the user for the item that the analysis unit 132 has estimated to be desired. For example, assume that the "order acceptance message" sent from the reception device 100 is a link to an order acceptance page for the product "wireless earphones" on the e-commerce site "XX Mall". In this case, the reception unit 242 displays the link to the order acceptance page for the product "wireless earphones" on the e-commerce site "XX Mall" on the output unit 230 of the user terminal 200 and accepts the order from the user.

5. Reception process flow
Next, the procedure of the reception process by the reception device according to the embodiment will be described with reference to FIG. 11. FIG. 11 is a flowchart showing an example of the reception process according to the embodiment. For example, the reception device 100 acquires a message input by a user from the user terminal 200 (step S101). Then, the reception device 100 analyzes the message acquired from the user terminal 200 (step S102). Then, the reception device 100 causes the user terminal 200 to display a remittance acceptance message (step S103). Then, the reception device 100 accepts a remittance instruction from the user via the user terminal 200 (step S104). Then, the reception device 100 executes the remittance process (step S105).

6. Hardware Configuration
The reception device 100 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 11, for example. Fig. 11 is a hardware configuration diagram showing an example of a computer that realizes the functions of the reception device. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that primarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD (Hard Disk Drive), flash memory, etc.

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized, for example, by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized, for example, by a USB.

The input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

The network IF 1080 receives data from other devices via the network N and sends it to the computing device 1030, and also transmits data generated by the computing device 1030 to other devices via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the reception device 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 130 of the reception device 100 by executing a program loaded onto the primary storage device 1040.

7. Effects
The reception device 100 according to the present disclosure comprises an acquisition unit 131 that acquires messages between users, an analysis unit 132 that analyzes the messages acquired by the acquisition unit 131, and a reception unit 133 that displays a remittance acceptance message on the user terminal 200 and accepts a remittance instruction when the analysis unit 132 analyzes the messages and estimates that a remittance is necessary between the users.

According to this configuration, messages between users are analyzed, and if it is estimated that a remittance is necessary between users, a remittance acceptance message can be displayed on the user terminal 200 to accept a remittance instruction. This can improve the convenience of remittances.

The receiving device 100 according to the present disclosure also includes an estimation unit 134 that estimates the reliability of the remittance destination, and the receiving unit 133 does not accept a remittance instruction if the estimation unit 134 estimates that the remittance destination is not reliable.

According to this configuration, the trustworthiness of the remittance destination is estimated, and if the remittance destination is estimated to be unreliable, the remittance instruction is not accepted. This prevents users from being disadvantaged by sending money to an unreliable remittance destination.

In addition, the estimation unit 134 of the reception device 100 according to the present disclosure estimates the reliability of the remittance destination based on past message exchanges between the remitter and the remitter.

With this configuration, remittance instructions will not be accepted between users who have not previously exchanged messages. This prevents users from sending money to unreliable recipients and suffering disadvantages.

In addition, the estimation unit 134 of the receiving device 100 according to the present disclosure estimates that the remittance destination is trustworthy if the remittance destination is considered to be trustworthy by the remitter.

According to this configuration, if the remittance destination is considered a trustworthy party by the remittance source, the remittance destination is presumed to be trustworthy, so that even if there has been no previous message exchange between the remittance destination user and the remittance source user, for example, the remittance instruction can be accepted and remittance can be made to the remittance destination. This can therefore improve the convenience of remittances.

The analysis unit 132 of the reception device 100 according to the present disclosure also identifies the remittance amount from the contents of the message, and the reception unit 133 displays the remittance amount identified by the analysis unit 132 on the user terminal 200 to accept the remittance instruction.

According to this configuration, the remittance amount can be identified from the contents of the message, and the identified remittance amount can be displayed on the user terminal 200 to accept the remittance instruction. This allows the user to instruct the remittance without inputting the remittance amount. This improves the convenience of remittances.

The analysis unit 132 of the reception device 100 according to the present disclosure estimates what the user wants from the contents of the message, and the reception unit 133 displays on the user terminal 200 information about an e-commerce site that handles the desired item estimated by the analysis unit 132, and receives an order for the desired item from the user.

According to this configuration, it is possible to estimate what the user wants from the contents of the message, display information on an e-commerce site that handles the estimated wanted item on the user terminal 200, and accept an order for the desired item from the user. This can therefore improve convenience when ordering.

The reception method according to the present disclosure also includes the steps of acquiring a message between users, analyzing the message, and, if it is estimated from the analysis of the message that a remittance is necessary between the users, displaying a remittance reception message and accepting a remittance instruction.

This configuration can improve the convenience of remittances.

The reception program according to the present disclosure causes a computer to execute the steps of acquiring messages between users, analyzing the messages, and, if the analysis of the messages indicates that a remittance is necessary between the users, displaying a remittance reception message and accepting a remittance instruction.

This configuration can improve the convenience of remittances.

The above describes the embodiments of the present application in detail with reference to the drawings, but this is merely an example, and the present invention can be implemented in other forms with various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the disclosure section of the invention.

The above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the acquisition unit 131 can be read as an acquisition means or an acquisition circuit.

REFERENCE SIGNS LIST 100 Acceptance device 110 Communication unit 120 Memory unit 121 Account database 122 Message database 123 Group database 124 Product database 130 Control unit 131 Acquisition unit 132 Analysis unit 133 Acceptance unit 134 Estimation unit 135 Remittance processing unit 200 User terminal N Network

Claims (4)

An acquisition unit for acquiring messages between users;
an analysis unit that analyzes the message acquired by the acquisition unit and infers what the recipient user wants from the content of the message ;
said analysis unit analyzes whether said message contains a keyword related to a remittance request, and when it is estimated that the message input by the destination user of said message containing said keyword indicates an intention to comply with the remittance request, said analysis unit displays a remittance acceptance message on the user terminal of said destination user to accept a remittance instruction from said destination user , and said analysis unit displays information on an electronic commerce site handling the desired item estimated by said analysis unit on the user terminal of a sender to accept an order for the desired item from said sender .
Reception equipment. The analysis unit identifies a remittance amount from the contents of the message,
the reception unit displays the remittance amount specified by the analysis unit on the user terminal and receives a remittance instruction.
The reception device according to claim 1. A reception method executed by a reception device, comprising:
An acquisition step of acquiring messages between users;
an analysis step of analyzing the message and estimating what the recipient wants from the contents of the message ;
a receiving step in which the analysis step analyzes whether the message contains a keyword related to a remittance request, and if the message containing the keyword is estimated to indicate an intention to comply with the remittance request in the message entered by the destination user, a remittance acceptance message is displayed on the user terminal of the destination user to accept a remittance instruction from the destination user , and information about an e-commerce site that handles the desired item estimated in the analysis step is displayed on the sender's user terminal to accept an order for the desired item from the sender's user . An acquisition procedure for acquiring messages between users;
an analysis step of analyzing the message and estimating what the recipient wants from the contents of the message ;
a reception program that causes a computer to execute the following reception steps: the analysis procedure analyzes whether the message contains a keyword related to a remittance request, and if the message containing the keyword is presumed to indicate an intention to comply with the remittance request in the message entered by the destination user, displays a remittance acceptance message on the destination user's user terminal to accept a remittance instruction from the destination user, and displays information about an e-commerce site that handles the desired item presumed by the analysis procedure on the sender's user terminal to accept an order for the desired item from the sender's user .

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