Provided is an information processing device, an information processing method, and a program which are capable of controlling remittance of an amount of money set according to a user context. An information processing device includes a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function, and a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

TECHNICAL FIELD

BACKGROUND ART

In general, groups, such as families, often share money among members. The members who share money, for example, withdraw money from their joint account with their money cards or use their credit cards to pay money from their joint account.

CITATION LIST

Patent Document

SUMMARY OF THE INVENTION

Problems to be Solved by the Invention

However, it is troublesome and takes time to manage money shared among a group, specifically, to monitor payment made by each of the members who share money. In particular, it is difficult to monitor and manage the use of pocket money given to a child by his/her parent.

Here, as a technique for performing specific control according to the situation, for example, in the above-mentioned Patent Document 1, a system is disclosed to perform unlocking control on the basis of vibration, sound, or the like satisfying a predetermined condition when an unlocking request from a near first communication terminal is detected, but control for management of money according to the situation is not mentioned in particular.

Thus, the present disclosure proposes an information processing device, an information processing method, and a program which are capable of controlling remittance of an amount of money set according to a user context.

Solutions to Problems

According to the present disclosure, an information processing device is proposed which includes: a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

According to the present disclosure, an information processing method is proposed which, by a processor, includes: determining whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and performing, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

According to the present disclosure, a program is proposed which causes a computer to function as: a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

Effects of the Invention

As described above, according to the present disclosure, it is possible to control remittance of an amount of money set according to a user context.

Note that the effects are not necessarily limited to the above description, and the present disclosure may have any of the effects described herein or other effects conceivable from the present description with the above effects or instead of the above effects.

MODE FOR CARRYING OUT THE INVENTION

Hereinafter, preferred embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. Note that in the present description and the drawings, components having substantially the same functional configurations will be denoted by the same reference numerals and redundant description will be omitted.

Furthermore, the description will be given in the following order.

1. Overview of Information Processing System According to Embodiment of Present Disclosure

2-1. Configuration of Wearable Device1

2-2. Configuration of Service Server2

2-3. Configuration of Bank Server3

3-2. Second Embodiment

<<1. Overview of Information Processing System According to Embodiment of Present Disclosure>>

FIG. 1is a diagram illustrating an overview of an information processing system according to an embodiment of the present disclosure. As illustrated inFIG. 1, the information processing system according to the present embodiment includes a wearable device1used by a user A (e.g., a child), a communication terminal4used by a user B (for example a parent), and a service server2for transmitting/receiving data to/from the wearable device1and the communication terminal4.

The wearable device1has an electronic money payment function. Specifically, for example, in a case where the wearable device1includes a wristband device, when the user A taps the wearable device1worn on his/her arm on a reader5at a store, near field wireless communication is performed between the wearable device1and the reader5, and payment is made.

The communication terminal4is includes, for example, a smartphone, a tablet terminal, a mobile phone terminal, or a personal computer (PC).

Here, as described above, it is troublesome and takes time to manage money shared among a group, specifically, to monitor payment made by each of the members who share money. In particular, it is difficult to monitor and manage the use of pocket money given to a child by his/her parent.

Therefore, in the present embodiment, a remittance of money to the wearable device1having a payment function is made or controlled depending on a user context, such as an action or a situation, and appropriate remittance to another person (member who shares money) is made easily without any load.

Specifically, for example, a parent (the user B) previously sets, on the communication terminal4, a remittance (recharge) condition and a remittance amount from a joint account of the family to the wearable device1having a payment function, which is worn by a child (the user A), and registers the remittance condition and a remittance condition DB23in the service server2.

The wearable device1is, for example, a wristband device and includes a motion sensor13a,such as an acceleration sensor or a gyro sensor, a position sensor13b,and the like (seeFIG. 2) to recognize, on a daily basis, the action or situation (so-called user context) of a wearer (here, the user A; the child) and transmit a recognition result to the service server2. Furthermore, the wearable device1has an electronic money payment function.

The service server2determines, depending on a context transmitted from the wearable device1, whether the remittance condition registered in the remittance condition DB23is satisfied or not and instructs a bank server3to remit a predetermined amount of money to the wearable device1from a predetermined joint account. For example, in a case where the parent previously sets a condition where remittance of 500 yen is to be made when the child buys something at a store A, the service server2, which have recognized that the child is in the store A and will make payment at the store A on the basis of a context transmitted from the wearable device1, determines that the condition is satisfied and instructs the bank server3to remit 500 yen to the wearable device1from the joint account of the parent.

According to the instruction, the bank server3performs processing to remit 500 yen to the wearable device1from the joint account of the parent. Specifically, a withdrawal is made and remittance information is transmitted to the wearable device1.

The wearable device1having received the remittance information (electronic money recharge information), updates amount data (balance information) stored in the device. Thus, the user A can tap the recharged wearable device1on the reader5of a POS terminal in the store to pay electronic money.

As described above, in the information processing system according to the present embodiment, remittance of money from a joint account to a member who shares money is made according to a user context of the member who shares money, thereby enabling easier management of money shared in a group without any load.

Furthermore, in the present embodiment, it is assumed that the parent manages money by giving the child the wearable device1having a payment function and the parent uses the communication terminal4to remotely recharge with a predetermined amount of money according to the place, the situation, or the like of the child (getting on a train, bus, etc.).

The information processing system according to an embodiment of the present disclosure has been described above. Subsequently, specific configurations of respective devices included in the information processing system according to the present embodiment will be described with reference to the drawings.

<2-1. Configuration of Wearable Device1>

FIG. 2is a block diagram illustrating an example of the configuration of a wearable device1according to the present embodiment. As illustrated inFIG. 2, the wearable device1includes a control unit10, a communication unit11, a near field wireless communication unit12, a motion sensor13a,a position sensor13b,an environment sensor13c,a biological sensor13d,a voice input unit14, and a display unit15., a voice output unit16, a user information database (DB)17a,a device information DB17b,and a money amount data DB17c.

The control unit10functions as an arithmetic processing device and control device and controls the overall operation in the wearable device1, according to various programs. The control unit10is achieved by, for example, an electronic circuit, such as a central processing unit (CPU) or a microprocessor. In addition, the control unit10may include read only memory (ROM) for storing programs, operation parameters, and the like to be used, and random access memory (RAM) for temporarily storing parameters and the like that changing appropriately.

The control unit10according to the present embodiment also functions as a context recognition unit101, a settlement unit102, and an authentication unit103.

The context recognition unit101recognizes a user context according to information (action, place, environment, biological information) based on the various sensors13or voice information (environmental sound, speech, etc.) input from the voice input unit14. The recognized context is transmitted by the communication unit11to a service server2positioned on a cloud network.

The settlement unit102transmits/receives data to/from a reader5via the near field wireless communication unit12, for payment. Specifically, the settlement unit102transmits balance data stored in the money amount data DB17cto the reader5by the near field wireless communication unit12and, on the basis of settlement information received from the reader5(payment amount and new balance data), updates the money amount data DB17c.Note that the settlement unit102may permit payment in a state in which user authentication is performed by the authentication unit103(authentication state) and refuse payment in a state in which the user authentication is not performed (non-authentication state). Thereby, the security of the wearable device1can be ensured. Furthermore, the settlement unit102may correspond to host-based card emulation (HCE).

The authentication unit103authenticates a person wearing the wearable device1on the basis of biological information detected by the biological sensor13d.For example, the authentication unit103acquires fingerprint information regarding the user by the biological sensor13d,performs pattern matching by using fingerprint information regarding the user registered in advance, and the similarity calculated on the basis of the pattern matching is higher than a predetermined value, it is determined that the fingerprint authentication is successfully performed. Fingerprint authentication is appropriately performed and is not limited to the pattern matching described above, and, for example, fingerprint authentication processing using a feature point extraction method or a frequency analysis method may be employed.

Furthermore, the authentication unit103can also perform authentication determination by using vein authentication, voice print authentication, gait authentication, face authentication, iris authentication, or the like in addition to fingerprint authentication. The face authentication and the iris authentication can be performed on the basis of a captured image captured by a camera (not illustrated) provided in the wearable device1.

Furthermore, the authentication is performed at appropriate timing, and, for example, fingerprint authentication may be performed in a case where it is detected that the wearable device1is mounted to a user is detected by using a proximity sensor (not illustrated). The proximity sensor is a sensor acquiring a separation distance between the user and the wearable device1and includes, for example, an inductive sensor, a capacitive sensor, an ultrasonic sensor, or an infrared sensor.

For example, when the wearable device1is mounted to the user and the authentication unit103authenticates the user, the control unit10changes the authentication state of the wearable device1to “a state in which user authentication has been performed”, and the payment function by the settlement unit102is made available. In contrast, in a case where fingerprint authentication fails or in a case where the wearable device1is removed from the user, the control unit10changes the authentication state of the wearable device1to “a state in which user authentication is not yet performed”, and the payment function is made unavailable.

Furthermore, in addition to the biometric authentication, the control unit10may be configured to predict a daily behavior pattern of the user on the basis of history information of the motion sensor13a,the position sensor13b,the environment sensor13c,or the like and determine a behavior pattern having a low similarity to the daily behavior pattern as an extraordinary behavior pattern (abnormal situation), making the payment function unavailable.

The communication unit11transmits/receives data to/from a service server2or a bank server3in a cloud (network) by wireless communication. The communication unit11uses, for example, a wireless local area network (LAN), Wi-Fi (registered trademark), a mobile communication network (long term evolution ((LTE), 3G (third generation mobile telecommunication system)), or the like to transmit/receive data.

(Near Field Wireless Communication Unit12)

The near field wireless communication unit12performs communication within a short range from about several centimeters to 10 cm. For example, the near field wireless communication unit12can transmit/receive data for payment, via non-contact communication, to/from a POS terminal in a store, a vending machine, or a reader5for electronic money payment installed at a station, a door of a public transport vehicle, such as a bus, or the like. In addition, transmission/reception of data for payment is not limited to the non-contact communication and may be performed by using magnetic reading or bar-code reading. In a case of the bar-code reading, in a case where the service server2determines that a user context satisfies a remittance condition, a one-time bar code for payment is generated and transmitted, and the one-time bar code is displayed on the display unit15of the wearable device1. Payment from an account is made by reading the one-time bar code by the reader5.

The wearable device1includes the motion sensor13a,the position sensor13b,the environment sensor13c,and the biological sensor13d.The motion sensor13aincludes, for example, an acceleration sensor, a gyroscope, and a magnetic field sensor to detect a motion or an orientation of the user and output a detection result to the context recognition unit101.

The position sensor13bacquires position information of the wearable device1and outputs the position information to the context recognition unit101. For example, the position sensor13bis achieved by a global positioning system (GPS) unit, receives a radio wave from a GPS satellite, detects a position where the wearable device1is located, and outputs information regarding the detected position to the context recognition unit101. Furthermore, the position sensor13bmay perform communication, for example, via Wi-Fi (registered trademark) or Bluetooth (registered trademark) or with a mobile phone, a PHS, a smart phone, or the like, in addition to GPS or detect the position via short distance communication or the like.

The environment sensor13cis a sensor for detecting surrounding environment and may include, for example, a temperature sensor, an atmospheric pressure sensor, a rain sensor, a wind sensor, an illuminance sensor, or the like. In addition, environmental sound may be detected by a microphone.

The biological sensor13dis a sensor for detecting biological information regarding the user and may include, for example, a fingerprint sensor, a vein sensor, a heart rate sensor, a pulse sensor, a body temperature sensor, a blood glucose sensor, a sweat sensor, or the like.

The voice input unit14includes a microphone, a microphone amplifier unit for amplifying and processing an audio signal obtained from the microphone, and an A/D converter for digital conversion to an audio signal and outputs the audio signal to the control unit10.

The display unit15is a display device for outputting an operation screen, a menu screen, and the like. The display unit15may include, for example, a display device, such as a liquid crystal display (LCD) or an organic electroluminescence (EL) display. Furthermore, the display unit15is configured to display the balance, payment amount, or the like of electronic money recharged in the wearable device1, as a text or an image.

The voice output unit16includes a speaker for reproducing an audio signal and an amplifier circuit for the speaker.

The wearable device1includes the user information DB7a,the device information DB17b,and the money amount data DB17c.The user information DB7astores information relating to a user. For example, data for user authentication (fingerprint information, vein information, voice print information, gait information, face image, iris image, etc.) is registered in the user information DB7a.In addition, a user's action history (a history based on information detected by the motion sensor13a,the position sensor13b,the environment sensor13c,and the biological sensor13d) may be accumulated.

The device information DB17bstores information relating to the wearable device1. For example, an individual ID of the wearable device1is stored in the device information DB17b.

The money amount data DB17cstores balance information (recharge amount) of electronic money. Furthermore, the money amount data DB17cmay further store a payment history (deposit and withdrawal information).

Furthermore, the various DBs17each include a storage medium, a recording device for recording data in the storage medium, a reading device for reading data from the storage medium, a deletion device for deleting data recorded in the storage medium, and the like.

The configuration of the wearable device1according to the present embodiment has been described above in detail. Note that the configuration of the wearable device1according to the present embodiment is not limited to the example illustrated inFIG. 2and, for example, may further include a camera or may not include the voice input unit14and the voice output unit16.

<2-2. Configuration of Service Server2>

FIG. 3is a block diagram illustrating an example of the configuration of the service server2according to the present embodiment. As illustrated inFIG. 3, the service server2includes a control unit20, a communication unit21, a user information DB22a,a remittance condition DB22b,and a determination model DB22c.

The control unit20functions as an arithmetic processing device and control device and controls the overall operation in the service server2, according to various programs. The control unit20is achieved by, for example, an electronic circuit, such as a central processing unit (CPU) or a microprocessor. In addition, the control unit20may include read only memory (ROM) for storing programs, operation parameters, and the like to be used, and random access memory (RAM) for temporarily storing parameters and the like that changing appropriately.

The control unit20according to the present embodiment also functions as a group management unit201, a remittance condition management unit202, a remittance condition determination unit203, and a high-level context recognition unit204.

The group management unit201manages registration, update, deletion, and the like of group information. The group information may be registered in the user information DB22a.Furthermore, the group information includes IDs of users (members who share money) constituting a community group, an ID of the group (family), the roles of the users (approver, non-approver, etc.), an individual ID of a communication terminal4or a wearable device1of each user, and information about a joint account. Note that, in the present embodiment, an example of payment from the joint account will be described, but in a case of replacement with payment on a credit card withdrawing money from the joint account, the group information can also include credit card information.

The remittance condition management unit202manages registration, update, deletion, and the like of a predetermined remittance condition for remittance of money to the wearable device1. The remittance condition may be registered in the remittance condition DB22b.The remittance condition may include a group ID, a beneficiary (user ID or device ID), a user context, a remittance amount, the presence/absence of case-by-case approval, and the like. In a case where the absence of case-by-case approval is set, user's preliminary approval for payment set upon setting the remittance condition eliminates the process of user's approval required when a target person satisfies the remittance condition, making automatic remittance of money. On the other hand, in a case where the presence of case-by-case approval is set, the user is notified that the remittance condition is satisfied by the target person, and money is remitted after the process of user's approval.

On the basis of a result of recognition of a user context transmitted from the wearable device1, the remittance condition determination unit203determines whether the remittance condition is satisfied or not. In a case where it is determined by the remittance condition determination unit203that the remittance condition is satisfied, the control unit20instructs the bank server3to remit a predetermined remittance amount from a predetermined joint account to a predetermined beneficiary. Note that the recognition of the user context may be performed on the side of the service server2. Furthermore, the beneficiary may include the wearable device1or another account.

The high-level context recognition unit204recognizes a more specific action content (high-level context), on the basis of a behavior pattern history, schedule information, indoor location detection (detection of a room ID by Wi-Fi or beacon), or the like. In the result of recognition of a user context described above, the action or state of a user for a relatively short time, such as a current position or an action (running, walking, standing, getting on a train, or the like) recognized by the motion sensor is mainly recognized, but the high-level context recognition unit204recognizes a more specific action content, for example, “on the way to home from a cram school”, “on the way to and from school”, “on the way to a soccer club”, “helping with washing dishes in kitchen”, or “on the way to a camp as a club activity”. The process of recognizing the high-level context is not particularly limited, but, for example, Japanese Patent No. 5440080 is referred to. Specifically, on the basis of position information (further, an attribute “geo category” of a current position based on the position information may be detected from acquired map information), a context recognition result, the behavior pattern history, the schedule information, or a content of the indoor location detection, the high-level context recognition unit204determines a specific action content with reference to a predetermined determination model registered in the determination model DB22c.

The communication unit21is connected to a network in a wired or wireless manner to transmit/receive data to/from the bank server3, the communication terminal4, and the wearable device1via the network. The communication unit21is communicably connected to the network by, for example, via a wired/wireless local area network (LAN), wireless fidelity (Wi-Fi, registered trademark), or the like.

The service server2includes the user information DB22a,the remittance condition DB22b,and the determination model DB22c.

As described above, the user information DB22astores group information including an ID of the group, IDs of the users constituting the group, the roles of the users, and an individual ID of a terminal of each user.

As described above, the remittance condition DB22bstores remittance conditions including a beneficiary, a group ID, a user context, a remittance amount, and the presence/absence of setting of case-by-case approval.

The determination model DB22cstores various determination models used for high-level context recognition. The determination models each may be a determination rule set in advance or a determination model generated using a machine learning algorithm.

Furthermore, the various DBs22each include a storage medium, a recording device for recording data in the storage medium, a reading device for reading data from the storage medium, a deletion device for deleting data recorded in the storage medium, and the like.

The configuration of the service server2according to the present embodiment has been specifically described above. Note that the configuration of the service server2according to the present embodiment is not limited to the example illustrated inFIG. 3, may be provided, for example, in an external device to which functions or DBs are at least partially connected communicatively, or may have at least one of the functions of the context recognition unit101, the settlement unit102, and the authentication unit103of the wearable device1described above with reference toFIG. 2. Thus, context recognition, payment, or authentication can be performed on the server side as well.

<2-3. Configuration of Bank Server3>

FIG. 4is a block diagram illustrating an example of the configuration of the bank server3according to the present embodiment. As illustrated inFIG. 4, the bank server3includes a control unit30, a communication unit31, a customer information DB32a,and an account amount DB32b.

The control unit30functions as an arithmetic processing device and control device and controls the overall operation in the bank server3, according to various programs. The control unit30is achieved by, for example, an electronic circuit, such as a central processing unit (CPU) or a microprocessor. In addition, the control unit30may include read only memory (ROM) for storing programs, operation parameters, and the like to be used, and random access memory (RAM) for temporarily storing parameters and the like that changing appropriately.

Furthermore, the control unit30according to the present embodiment also functions as a user authentication unit301and an account deposit/withdrawal management unit302.

The user authentication unit301performs user authentication. For example, the user authentication unit301compares an input account number and personal identification number with an account number and a personal identification number of a customer registered in the customer information DB32aand, in a case where the account numbers and personal identification numbers match each other, determines that the authentication is successfully performed.

The account deposit/withdrawal management unit302performs deposit to an account and withdrawal from the account.

The communication unit31is connected to a network in a wired or wireless manner to transmit/receive data to/from the service server2, the communication terminal4, and the wearable device1via the network. The communication unit31is communicably connected to the network by, for example, via a wired/wireless local area network (LAN), wireless fidelity (Wi-Fi, registered trademark), or the like.

The bank server3includes the customer information DB32aand the account amount DB32b.The customer information DB32astores customer information (account number, personal identification number, biometric information, customer name, address, etc.). The account amount DB32bstores money amount information of each account.

Furthermore, the various DBs32each include a storage medium, a recording device for recording data in the storage medium, a reading device for reading data from the storage medium, a deletion device for deleting data recorded in the storage medium, and the like.

The configuration of the bank server3according to the present embodiment has been specifically described above. Note that the configuration of the bank server3according to the present embodiment is not limited to the example illustrated inFIG. 4.

Next, the information processing system according to the present embodiment will be specifically described using a plurality of embodiments.

3-1. First Embodiment

Firstly, a first embodiment of remittance management in a community, such as a family, will be specifically described using a plurality of examples. Here, it is assumed that, for example, a wearable device having a function of payment by electronic money is provided for a family, and a parent and a child each wear the wearable device1on his/her arm to lead a daily life.

3-1-1. FIRST EXAMPLE

FIG. 5is a sequence diagram illustrating a remittance process according to a user context, according to a first example of the first embodiment. In the present example, it is described that a parent sets a remittance condition for remitting money to the wearable device1of a child via a communication terminal4(absence of case-by-case approval), and in a case where a children's action (context) matches the remittance condition, a predetermined amount of money is remitted.

Specifically, as illustrated inFIG. 5, firstly, in the communication terminal4, a context as a remittance condition is set by the parent who is the user thereof (step S103). The context to be set indicates, for example, whether or not to make a remittance in what situation, and, for example, a user's action or situation of the user is set as a condition. For example, a condition indicating “place”, for example, the child who is a beneficiary is in the vicinity of point A (e.g., within a radius of 100 m) or the child is in a predetermined shopping street, may be set as the condition. Since the parent grasps the range of activities of the child and knows what the child desires to buy, and owing to this configuration, the parent can give pocket money to the child who is at an specific familiar place, such as a stationary shop, a store, or near the home. In addition, it is also possible to set a store to which the parent has requested the children to buy something. For example, the parent can set the range of a place from a map screen displayed on the communication terminal4, input the address of the place, or search for the place by name.

Next, a remittance amount and the presence/absence of the case-by-case approval are set (step S106). Here, an example of a screen for setting a remittance amount is illustrated inFIG. 6.

As illustrated on the left side ofFIG. 6, the communication terminal4of the parent includes a display unit41which displays a context410, for example, “give pocket money at00store”, a remittance amount field411, currency icons412, and an enter button413. For Inputting a remittance amount, text-based input may be employed or intuitive deposit by using the currency icons412as illustrated inFIG. 6may be employed. Inputting of the context and the remittance amount in this way enables remittance to the wearable device1of the child, as illustrated on the right side ofFIG. 6, in a case where the remittance condition is satisfied by the child who is the beneficiary. The display unit15of the wearable device1displays the balance of electronic money (or the amount of money remitted from the parent may be displayed first, then displaying the balance to which the remittance amount is added).

In addition, “the presence/absence of case-by-case approval” represents the setting of whether or not to confirm parent's approval for remittance of money (i.e., approval for withdrawal of money from a joint account) every time remittance is made each time the remittance condition is actually satisfied by the child. In a case where “the presence of case-by-case approval” is set, inquiry notification about remittance approval is sent from a service server2to a communication terminal4when the child satisfies the remittance condition, and money is transmitted when approval is granted by the parent. On the other hand, in a case where “the absence of case-by-case approval” is set, it is considered the parent has granted approval upon setting the remittance condition, and when the child satisfies the remittance condition, money is remitted without making an inquiry about remittance approval.

Note that the remittance amount may not be set in advance, and the amount of money may be set in the communication terminal4when the inquiry notification about remittance approval is received. At this time, in addition to the satisfaction of the context by the child, the inquiry notification about approval for remittance of money may include a merchandise product for which the child is going to make payment or the price of the merchandise product, and the parent can determine and grant approval for the remittance amount after confirming the content of payment. It is also possible to set the total remittance amount or the number of remittances of a predetermined amount of money.

Next, the communication terminal4transmits, as the remittance conditions, an context which is input, a remittance amount, and the presence/absence of case-by-case approval to the service server2(step S109), and a remittance condition management unit202of the service server2registers the remittance conditions in a remittance condition DB22bin association with an ID or the like of the parent or a group (step S112). In addition, the remittance condition management unit202may extract an individual ID of the wearable device1of a beneficiary (child) from group information stored in a user information DB22aso that the individual ID is registered in the remittance condition DB22bin association with the ID or the like of the parent or group.

Next, the wearable device1mounted to the child senses the action and the state of the child who is the user by using the various sensors13(step S115) and recognizes the context of the user on the basis of the sensing data (step S118).

Next, the wearable device1transmits the recognized context to the service server2(step S121). Such sensing the action of the user, recognition of the context, and transmission to the service server2may be continuously performed when the wearable device1is mounted on the user. Alternatively, the wearable device1may transmit a context as a remittance request to the service server2when a child tries to make payment by using the wearable device1(e.g., when tapping the wearable device1on a reader5of a store). Alternatively, when the child makes a voice input “give me pocket money” from the voice input unit14of the wearable device1, the context and the content of the voice (audio data or text data converted by voice recognition) may be transmitted as a remittance request to the service server2.

Then, the remittance condition determination unit203of the service server2determines whether the context transmitted from the wearable device1matches the context registered as the remittance condition or not (step S124). For example, in a case where “a store within a radius of 100 m from the point A” is set as the remittance condition, where the context of the child recognized is “the child is in a store within a radius of 20 m from the point A”, the remittance condition determination unit203determines that the remittance condition is satisfied.

Next, in a case where the context of the child satisfies the remittance condition and the absence of case-by-case approval is set, the service server2instructs a bank server3to remit a set predetermined remittance amount to the wearable device1of the child (step S127). The bank server3manages the joint account of the parent in which the remittance condition is set, and in the present embodiment, a predetermined amount of money is remitted (recharged) from the joint account to the wearable device1of the child. The parent who is the setter and the joint account of the parent (specifically, an account number and a holder) have been associated with each other previously, and, for example, the association is registered to be included in the group information stored in the user information DB22a.The service server2transmits, to the bank server3, a remittance instruction for giving an instruction to remit a predetermined amount of money from a predetermined joint account to a predetermined beneficiary. In addition, in a case where the presence of case-by-case approval is set, an inquiry about remittance approval is made from the service server2to the communication terminal4of the parent. In a case where the parent's approval is obtained, the service server2gives the remittance instruction to the bank server3.

Next, in response to the remittance instruction from the service server2, the bank server3withdraws a predetermined amount of money from the joint account of the parent (step S130) and remits money (electronic money recharging process) to the wearable device1via a network (step S133).

Next, the wearable device1updates the balance of electronic money held in the device in response to the remittance from the bank server3(step S136), makes payment via near field wireless communication with the reader5, such as a POS terminal, and updates the balance again (step S139). Here,FIG. 7shows an example of an electronic money balance display screen in the wearable device1. As illustrated inFIG. 7, in the wearable device1according to the present embodiment, the display unit15may display the balance of electronic money in the form of numeral value or an image of coins corresponding to the amount of money. In addition, the wearable device1which pays electronic money displays an animation in which the paid coins disappear, causes the wearable device1itself to vibrate (by using a vibration unit not illustrated), or outputs a payment sound, causing the user to intuitively feel that the payment has been made.

Next, the wearable device1transmits the content of payment to the service server2(step S142). The content of payment includes at least information about the amount of money paid and also includes information relating to a merchandise product purchased if possible.

Then, the service server2transmits the content of payment to the parent communication terminal4(step S145), and the content of payment is displayed on the communication terminal4(step S148). This configuration allows the parent to see how much money the child actually use and what the child bought.

As described above, in the present example, in a case where an action and state of the child match the preset remittance condition, it is possible to remotely recharge (remit money) the wearable device1of the child.

3-1-2. SECOND EXAMPLE

Next, a second example will be described with reference toFIG. 8. In the second example, it is described that, in a case where there are a plurality of children (e.g., child X, child Y), it is possible to set a remittance condition for each of the children (i.e., for each beneficiary), and further there may be a plurality of approvers (e.g., parent A, parent B). In the second embodiment, a context to be set as the remittance condition uses “action” as another example of the “place” described in the first example.

FIG. 8is a sequence diagram illustrating a remittance process according to a user context, according to a second example of the first embodiment. As illustrated inFIG. 8, firstly, for example, in a communication terminal4a,a remittance condition (context, remittance amount, and presence/absence of case-by-case approval) for each of the child X and the child Y is set by the parent A (step S156), and the remittance condition Is transmitted to a service server2(step S159). The context to be set may include a context relating to “action”, for example, “drink fee will be given after 2-km running” for the child X″ and “bus fare will be given upon getting on a bus” for the child Y. The parent A can select a children and sets the remittance condition for each children. Furthermore, in the present embodiment, “the presence of case-by-case approval” is set, and the approver may be any of the parents (parent A, parent B).

Next, a remittance condition management unit202of the service server2registers the received remittance condition in a remittance condition DB22b(step S162).

Next, a wearable device1X worn by the child X and a wearable device1Y worn by the child Y each include various sensors13to sense the action and the state of each child who is the user (step S165), and the context is recognized on the basis of the sensing data (step S168).

Next, the wearable device1X or the wearable device1Y transmits the recognized context to the service server2(step S171), and a remittance condition determination unit203of the service server2determines whether the context of the child matches the context registered as the remittance condition or not (step S174).

Next, in a case where the context of the child satisfies the remittance condition and “the presence of case-by-case approval” is set, the service server2makes an inquiry about remittance approval to the communication terminal4aof the parent A and a communication terminal4bof the parent B (steps S181aand S181b).

Next, the communication terminal4a and the communication terminal4beach display an inquiry screen for making an inquiry about remittance, obtaining the parents' approval for remittance (step S184). Here, an example of a screen requiring case-by-case approval is illustrated inFIG. 9. As illustrated inFIG. 9, a communication terminal4includes a display unit41which displays a text display415, a display416, and an enter button417. The text display415displays the satisfaction of the remittance condition and inquires approval, for example, “Your child is on a bus. Would you approve remittance of bus fare?”, and the display416displays a remittance amount. The remittance amount may be an amount of money set in advance by a parent, may be input and set by the parent upon approval, or may be an amount of money which is a bus fare automatically calculated by the service server2on the basis of the context (a point where the child has gotten on the bus and a user's action of getting off the bus which stopped) recognized by the wearable device1.

Next, when the remittance is approved by the parent A or parent B (steps S187aand S187b), the service server2gives a remittance instruction to a bank server3(step S190).

Next, in response to the remittance instruction from the service server2, the bank server3withdraws a predetermined amount of money from a joint account of the parents (step S193) and remits the money (electronic money recharging process) to a wearable device1(1X or1Y) as a target via a network (step S196).

Then, the wearable device1(1X or1Y) updates the balance of electronic money held in the device in response to the remittance from the bank server3(step S199), makes payment via near field wireless communication with the reader5, such as a POS terminal, and updates the balance again (step S202).

Next, the wearable device1transmits the content of payment to the service server2(step S205), and the service server2transmits the received content of payment to the communication terminal4aand communication terminal4b(steps S208aand208b).

Then, the communication terminal4aand the communication terminal4bdisplay the received content of payment (step S211).

As described above, in the present example, it is possible to set the remittance condition for each of a plurality of beneficiaries, and in a case where any of a plurality of approvers grants approval, remittance can be made.

Furthermore, “action” can be set as the context.

3-1-3. THIRD EXAMPLE

In the examples described above, the remittance from a parent to a child has been mainly described, but the present embodiment is not limited to this description, and it is also possible to manage remittance from a joint account between a couple. This will be described below with reference toFIG. 10.

FIG. 10is a sequence diagram illustrating a remittance process according to a user context, according to a third example of the first embodiment. In the present example, it is described that, as an example, a remittance condition are set by a communication terminal4aof a parent A and, in a case where the action or condition of a parent B satisfies the remittance condition, a predetermined amount of money is remitted from a joint account to a wearable device1worn by the parent B.

As illustrated inFIG. 10, firstly, in the communication terminal4a,the remittance condition (context, remittance amount, and presence/absence of case-by-case approval) for the parent B is set by the parent A (step S256), and the remittance condition is transmitted to a service server2(Step S259). The context to be set may indicate both of “place” and “action”, for example, a mother requests a father to go shopping at a store A (e.g., “drug store”) after work, or walking near the store A. Furthermore, in the present example, the parent B as a beneficiary is also a person who has approval authority in a group, and when “the presence/absence of case-by-case approval” is set, the parent B may be set as an approver on a case-by-case basis.

Next, a remittance condition management unit202of the service server2registers the received remittance condition in a remittance condition DB22b(step S262).

Next, a wearable device1bworn by the parent B include various sensors13to sense the action and the state of the parent B who is the user (step S265), and the context is recognized on the basis of the sensing data (step S268).

Next, the wearable device1btransmits the recognized context to the service server2(step S271), and a remittance condition determination unit203of the service server2determines whether the context of the parent B matches the context registered as the remittance condition or not (step S274).

Next, in a case where the context of the parent B satisfies the remittance condition and “the presence of case-by-case approval: parent B” is set, the service server2notifies the communication terminal4b of the parent B, of satisfaction of the remittance condition (step S277) and makes an inquiry about remittance approval (step S280). Here, an example of a screen requiring case-by-case approval is illustrated inFIG. 11. As illustrated inFIG. 11, the communication terminal4bincludes a display unit41which displays a text display419, a display420, and an enter button421. The text display419displays the satisfaction of the remittance condition and inquires approval, for example, “You are near a drugstore. Would you approve remittance of money?”, and the display420displays a remittance amount. Thus, this configuration reminds the parent B about the shopping.

Next, when the remittance is approved by the parent B, a remittance instruction including the remittance approval and the remittance amount is transmitted from the communication terminal4bto a bank server3(step S283). Here, as an example, the remittance instruction is transmitted from the communication terminal4bto the bank server3, but the present example is not limited to this description, and, as in the second example, the service server2may be notified of the approval so that the remittance instruction is transmitted from the service server2to the bank server3.

Next, in response to the remittance instruction, the bank server3withdraws a predetermined amount of money from the joint account of the parent A and parent B (step S286) and remits the money (electronic money recharging process) to the wearable device1bas a target via a network (Step S289).

Then, the wearable device1bupdates the balance of electronic money held in the device in response to the remittance from the bank server3(step S292), makes payment via near field wireless communication with the reader5, such as a POS terminal, and updates the balance again (step S295).

Next, the wearable device1transmits the content of payment to the service server2(step S298), and the service server2transmits the received content of payment to the communication terminal4a (step S301).

Then, the communication terminal4adisplays the received content of payment (step S304). This configuration allows the parent A to understand that the parent B has taken an action satisfying the remittance condition, the remittance has been performed, and the requested shopping has been performed.

As mentioned above, in the first embodiment, the remittance management in a community, such as a family, has been described, but several supplementary notes to the present embodiment will be given below.

(Other Examples of Context)

Examples of the context which is to be set as the remittance condition include the following.

Place: enter a store within a radius of 100 m from a certain point (latitude, longitude) (shopping fee), exceed a radius of 2 km from a certain point (latitude, longitude) (taxi fee)

Place+Action: the amount of activity exceeds a threshold Q at a point P (latitude, longitude) (drink fee)

Environment (situation): temperature rises above a specified value (drink fee), it is begin to rain (umbrella fee)

Biology: heart rate exceeds a predetermined value (drink fee), blood sugar level falls below a predetermined value (sugar intake fee)

In the embodiments described above, it has been described that remittance of a predetermined amount of money is made to the wearable device1of a child in a case where the action or the state of a child satisfies a remittance condition. However, the present embodiment is not limited to this description, and payment (use of electronic money) can be controlled to be effective in a case where a settlement condition is satisfied by the action or state of a child. For example, a wearable device1of a child is recharged with a predetermined amount of money in advance according to the operation of a communication terminal4of a parent, but the wearable device1may be configured to permit use (i.e., payment) of electronic money, in a case where the child satisfies a predetermined context (e.g., in a case where the child is going to make payment in a predetermined store, in a case where the child has gotten on a bus, in a case where the child has run 2 km, or the like).

(Operation Performed in Case of Condition is not Satisfied)

In addition, in a case where a child tries to make payment by using a wearable device1under the condition that a remittance condition or a settlement condition is not satisfied (e.g., in a case where tapping on the reader5, etc.), a service server2may automatically notify a communication terminal4of a parent, of this situation (e.g., “payment of some amount of money is being made at a store”, etc.). In this case, when the parent confirms and approves this condition, a service server2can permit remittance or payment.

In addition, in a case where a child tries to make payment by using a wearable device1under the condition that the remittance condition or the settlement condition is not satisfied, voice, video, or text chat may be automatically activated between a device of a parent (a communication terminal4or a wearable device1worn by the parent) and the wearable device1. This configuration allows the child to directly offer permission of remittance or payment. In addition, the parent can easily grasp a current situation of the child as well.

(Operation Performed in Case of Condition is Satisfied)

Furthermore, a wearable device1may display an indicator, for example, “oo yen has been remitted” or “payment is possible” on a display unit15, only in a case where the remittance condition or settlement condition is satisfied. In addition, a wearable device1may be configured to emit clinking sound of coins when the device is shaken, only in a case where the remittance condition or settlement condition is satisfied. This configuration allows the child to intuitively understand when the child is allowed to do the shopping with the wearable device1.

3-2. Second Embodiment

Next, a second embodiment will be described with reference toFIGS. 12 to 15. In the first embodiment described above, the remittance management in a community has been described, but the present disclosure is not limited to this description and facilitates remittance to a new person or facility not associated with a user. In the present embodiment, it is possible to specify a gesture (an example of a context), a place (e.g., near an applicant for remittance, a predetermined facility, etc.) (an example of the context), and a remittance amount to register a remittance condition. An outline of the present embodiment described above will be described with reference toFIG. 12.FIG. 12is a diagram illustrating an overview of a second embodiment.

As illustrated inFIG. 12, in the present embodiment, a user D previously registers, in a service server2, a remittance condition, for example, an application for remittance of a predetermined amount of money (remittance amount) is made to a person applauding (gesture) near the user D (place). At this time, for example, when a user C applauds near the user D while the user D gives a performance on a road, a service server2makes an inquiry to the user C about remittance approval (e.g., notifies a communication terminal4cof the user C). Give notice of remittance approval). Then, in a case of obtaining the approval of the user C, the service server2instructs a bank server3to remit the predetermined amount of money from an account of the user C to a wearable device1dof the user D.

Thus, it is possible to provide a system for remitting electronic money as a tip from a person (spectator) applauding near the user D who is a performer to the wearable device1dof the user D as a performer.

Next, an operation process according to the present embodiment will be described with reference toFIG. 13.

FIG. 13is a sequence diagram illustrating operation process according to the second embodiment. As illustrated inFIG. 13, firstly, in a communication terminal4d,the user D sets a remittance condition (gesture, place, and remittance amount) (step S406), and the remittance condition is transmitted to the service server2(step5409) and registered in the service server2(step S412). In the remittance condition, for example, “applause” is set as the “gesture”, and, for example, “near the user D” is set as the “place”.

Next, the wearable device1dmounted to the user D emits a beacon to the surroundings while the user D gives a performance (step S415).

Next, a wearable device1cworn by the user C who is watching the performance near the user D receives the beacon emitted from the wearable device1dof the user D (step S418).

Next, the wearable device1cincludes various sensors13to sense the action (including a gesture) and the state of the user C (step S421), and the context (such as applauding) is recognized on the basis of the sensing data (step S424).

Next, the wearable device1ctransmits the recognized context and a beacon reception result to the service server2(step S427).

Next, a remittance condition determination unit203of the service server2determines whether the context of the user C matches the context registered as the remittance condition or not (step S430). For example, since the remittance condition determination unit203understands that the user C is near the user D on the basis of the beacon reception result and further knows that the user C is applauding on the basis of the context, the situation of the user C is determined to match the remittance condition registered by the user D.

Next, in a case where the context of the user C satisfies the remittance condition, the service server2notifies the communication terminal4cof the parent C, of satisfaction of the remittance condition (step S433) and makes an inquiry about remittance approval (step S436). Here, an example of a screen requiring remittance approval is illustrated inFIG. 14. As illustrated inFIG. 14, the communication terminal4cincludes a display unit41which displays a text display423, a display424, and an enter button425, the text display423makes an inquiry about remittance approval, for example, “would you remit money to a performer D?”, and the display424displays a remittance amount. Thereby, the user C can remit electronic money as a tip to the user D. Furthermore, If the user C does not want to remit money, the user C can close and exit the screen without pressing the enter button425.

Next, when the remittance is approved by the user C, a remittance instruction including the remittance approval and the remittance amount is transmitted from the communication terminal4cto the bank server3(step S439). Here, as an example, the remittance instruction is transmitted from the communication terminal4cto the bank server3, but the present example is not limited to this description, and the service server2may be notified of the approval so that the remittance instruction is transmitted from the service server2to the bank server3.

Next, in response to the remittance instruction, the bank server3withdraws a predetermined amount of money from the account of the user C (step S442) and remits the money (electronic money recharging process) to the wearable device1dof the user D as a beneficiary via a network (step S445).

Then, the wearable device1dupdates the balance of electronic money held in the device in response to the remittance from the bank server3(step S448). The wearable device1dmay emit clinking sound of coins or vibrate when the money is remitted. Thereby, the user D can intuitively understand the remittance of money from a nearby person.

In the example described above, the remittance of electronic money from the user C who is the spectator to the user D who is the performer has been described, but the application of the present embodiment is not limited to this description. For example, when a user who is in a spectator seat in a baseball stadium takes action of calling a nearby beer seller, a predetermined amount of electronic money may be remitted as a beer fee to a wearable device1of the seller. Thus, the beer seller is only required to pass the beer, and the interchange of money is eliminated, leading to smoother work.

In the embodiment described above, the management of remittance to a new person has been described, but the present embodiment is not limited to this description, and it is also possible to manage remittance to a facility. For example, a user C can visit a shrine (facility) and remit electronic money to a shrine as a small offering (specifically, remittance to a wearable device1eof a Shinto priest (user E) who is a manager of the shrine).

Such remittance management will be described with reference toFIG. 15.FIG. 15is a sequence diagram illustrating another operation process according to the present embodiment.

As illustrated inFIG. 15, firstly, in a communication terminal4e,the user E sets a remittance condition (gesture, place, and remittance amount) (step S456), and the remittance condition is transmitted to the service server2(step S459) and registered in the service server2(step S462). In the remittance condition, for example, “action of bowing or clapping hands (during prayer)” is set as the “gesture”, and, for example, “around a predetermined facility (e.g., within a radius of 50 m)” is set as the “place”.

Next, in the predetermined facility, a beacon transmitter installed in the facility emits a beacon to the periphery (e.g., within a radius of 50 m) (step S465).

Next, a wearable device1cworn by the user C who visits the facility receives the beacon emitted from the facility (step S468).

Next, the wearable device1cincludes various sensors13to sense the action (including a gesture) and the state of the user C (step S471), and the context (action during prayer (such as bowing or clapping)) is recognized on the basis of the sensing data (step S474).

Next, the wearable device1ctransmits the recognized context and a beacon reception result to the service server2(step S477).

Next, a remittance condition determination unit203of the service server2determines whether the context of the user C matches the context registered as the remittance condition or not (step S480). For example, since the remittance condition determination unit203understands that the user C is near a predetermined facility on the basis of the beacon reception result and further knows that the user C is taking action of prayer on the basis of the context, the situation of the user C is determined to match the remittance condition registered by the user E.

Next, in a case where the context of the user C satisfies the remittance condition, the service server2notifies the communication terminal4c of the parent C, of satisfaction of the remittance condition (step S483) and makes an inquiry about remittance approval (step S486).

Next, when the remittance is approved by the user C, a remittance instruction including the remittance approval and the remittance amount is transmitted from the communication terminal4cto a bank server3(step S489). Here, as an example, the remittance instruction is transmitted from the communication terminal4cto the bank server3, but the present example is not limited to this description, and the service server2may be notified of the approval so that the remittance instruction is transmitted from the service server2to the bank server3.

Next, in response to the remittance instruction, the bank server3withdraws a predetermined amount of money from an account of the user C (step S492) and remits the money (electronic money recharging process) to the wearable device1eof the user E as a beneficiary via a network (step S495).

Then, the wearable device1eupdates the balance of electronic money held in the device in response to the remittance from the bank server3(step S498). The wearable device1emay emit clinking sound of coins or vibrate when the money is remitted. Thus, the user E can intuitively understand that a person has visited the facility or that money is remitted.

In the context of a user recognized in the first embodiment and the second embodiment described above, the action or state of a user for a relatively short time, such as a current position or an action (running, walking, standing, getting on a train, or the like) recognized by the motion sensor is mainly recognized, but the present disclosure is not limited to this description, and a high-level context recognition unit204recognizes a more specific content of action (so-called high-level context), for example, “on the way to home from a cram school” or “helping with washing dishes in kitchen”.

As described above, for example, mere “walk”, “run”, “bicycle”, or “train/bus” on a habitual route is recognized as the context, while “on the way to and from school”, “on the way to and from a cram school”, or “on the way to and from culture lesson” is recognized as the high-level context. In addition, referring to the user's schedule and calendar information, “depart for overseas travel for a week or more”, “returned home from a one-week business trip”, “departed to an athletic meet”, “arrived at a club camp”, or the like is recognized as the high-level context. Furthermore, in a case where a room ID can be detected via Wi-Fi or a beacon and indoor location can be detected, for example, “I am in a living room”, “I am in a powder room”, “I am in a bathroom”, “I am in my room”, or “I am in a bedroom” is recognized as the high-level context.

Remittance management in a case where such a high-level context is set as a remittance condition will be described below in detail with reference toFIG. 16.FIG. 16is a sequence diagram illustrating an operation process of remittance management in a case where a high-level context is used as a remittance condition.

Specifically, as illustrated inFIG. 16, firstly, in a communication terminal4, a high-level context (also referred to as a high context) as a remittance condition is set by a parent who is the user thereof (step S503). For example, the remittance condition may include “help with” cleaning windows” or “on the way to and from a cram school”.

Next, in the communication terminal4, a remittance amount and the presence/absence of case-by-case approval are set by the parent who is the user thereof (step S506).

Then, the communication terminal4transmits the remittance condition including the set high-level context, remittance amount, and the presence/absence of case-by-case approval to a service server2(step S509), and the remittance condition is registered in the service server2(step S512).

Next, in the communication terminal4, the parent inputs a schedule of a child (step S513). Specifically, the schedule represents the date and time of a child's cram school, and such a schedule is used to recognize the high-level context “on the way to and from a cram school”. However, since recognition of “on the way to and from a cram school” or the like is not necessarily determined on the basis of the schedule and may be determined on the basis of a usual action history of the child, and such schedule registration is not essential.

Next, the input schedule is transmitted from the communication terminal4to the service server2and registered (step S514).

Next, a wearable device1mounted to the child senses the action and the state of the child who is the user by using various sensors13(step S515) and recognizes the context of the user on the basis of the sensing data (step S518).

Next, the wearable device1transmits the recognized context to the service server2(step S521). At this time, the wearable device1may also transmit the sensing data. In addition, in a case where the wearable device1detects an indoor location, the wearable device1may also transmit an acquired room ID as the sensing data.

Next, a high-level context recognition unit204of the service server2performs high-level context recognition, on the basis of the received context, sensing data, schedule information registered in advance, and the like, by using a determination level stored in a determination model DB22c(step S522). For example, in a case where a help mode is turned on by the parent, a “help determination model” is extracted from the determination model DB22c,and it is determined whether the action of the child corresponds to a predetermined help or not (high-level context is recognized).

Then, a remittance condition determination unit203of the service server2determines whether the recognized high-level context matches the high-level context registered as the remittance condition or not (step S524).

Next, in a case where the high-level context of the child satisfies the remittance condition and the absence of case-by-case approval is set, the service server2instructs a bank server3to remit a set predetermined amount of money to the wearable device1of the child (step S527).

Next, in response to the remittance instruction from the service server2, the bank server3withdraws a predetermined amount of money from a joint account of the parent (step S530) and remits the money (electronic money recharging process) to the wearable device1via a network (step S533).

Then, the wearable device1updates the balance of electronic money held in the device in response to the remittance from the bank server3(step S536).

As described above, in the present example, in a case where the high-level context is set as the remittance condition and the action and state of the child match the remittance condition, it is possible to remotely recharge (remit money) the wearable device1of the child.

In each of the embodiments described above, although direct remittance of electronic money from an account to a wearable device1is assumed, the present disclosure is not limited to this.

For example, money may be remitted from a joint account of a parent to an account of a child so that the wearable device1of the child is recharged with a predetermined amount of money from the corresponding child's account of the child.

As described above, in the information processing system according to an embodiment of the present disclosure, it is possible to control remittance of an amount of money set according to a user context.

As described above, preferable embodiments of the present disclosure has been described in detail with reference to the accompanying drawings, but the technical scope of the present technology is not limited to these examples. A person skilled in the art may obviously find various alternations and modifications within the technical ideas as set forth in the scope of the appended claims, and it should be understood that they will naturally come under the technical scope of the present invention.

For example, a computer program can be provided which causes hardware, such as the CPU, ROM, and RAM built in the above-described wearable device1, service server2, or communication terminal4to achieve the functions of the wearable device1, service server2, or communication terminal4. A computer readable storage medium storing the computer program is also provided.

In addition, the effects described herein are by way of example only, and are not limitative. In other words, with or in place of the above effects, the technology according to the present disclosure may achieve other effects that are clear to those skilled in the art from the description of this specification.

It is noted that the present technology also may include the following configurations.

An information processing device including:

a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and

a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

The information processing device according to (1), in which the control unit instructs a bank server managing a predetermined account to remit the predetermined amount of money from the predetermined account to a predetermined wearable device.

The information processing device according to (2), in which the predetermined wearable device is a device worn by the user.

The information processing device according to (2), in which the predetermined wearable device is a device worn by a setter who has set the remittance condition.

The information processing device according to any of (1) to (4), in which the context information is a context indicating at least one of location, action, situation, environment, voice, speech, biological information, or gesture.

The information processing device according to (5), in which the context information includes a high-level context recognized as an action content more specific than the context.

The information processing device according to any of (1) to (6), in which

the control unit,

when the user context is determined to match the remittance condition, performs control for remittance of money to the destination, in a case where an approval of a remittance condition setter has already been obtained, and otherwise inquires an approval of the remittance condition setter and performs control for remittance of money to the predetermined destination after the approval is obtained in a case where an approval of a remittance condition setter has not been obtained.

The information processing device according to any of (1) to (7), in which

the control unit,

when receiving a content of payment from the device worn by the user after controlling the device to remit the predetermined amount of money, performs control to transmit the content of payment to the remittance condition setter.

An information processing method, by a processor, including:

determining whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and

performing, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

A program for causing a computer to function as:

a determination unit configured to determine whether a user context matches a remittance condition previously registered or not, on the basis of context information regarding a user wearing a device having a payment function; and

a control unit configured to perform, when the user context is determined to match the remittance condition, control for remittance of a predetermined amount of money to a predetermined destination.

REFERENCE SIGNS LIST