JP6012663B2 - Electronic value management system and program - Google Patents

Description

  The present invention relates to an electronic value management system and a program.

A system for managing electronic value such as electronic money is known (see, for example, Patent Document 1).
(Prior art documents)
(Patent Literature)
(Patent Document 1) Japanese Patent Application Laid-Open No. 2011-192293

  In the above system, use of electronic value may be restricted depending on the situation of a store that uses electronic value.

  In the first aspect of the present invention, terminal identification information for identifying a user's information processing terminal, account identification information for identifying an account for managing an electronic value recorded on a tangible object that can be carried by the user, and account identification information An electronic value management system is provided that includes a value information storage unit that stores information relating to the balance of electronic value in an identified account in association with each other. In the above electronic value management system, the tangible object may be different from the information processing terminal.

  In the above electronic value management system, the value information storage unit associates terminal identification information, account identification information, information on the balance of electronic value, and information on a payment method at the time of purchasing or replenishing electronic value. May be stored. In the electronic value management system, the value information storage unit includes terminal identification information, account identification information, information on the balance of electronic value, information on the balance of points given to the user from the provider of the product or service, May be stored in association with each other.

  The electronic value management system described above corresponds to terminal identification information or account identification information, information related to the settlement amount of the user transaction, and terminal identification information or account identification information from a payment processing device that executes payment processing for the user transaction. You may further provide the payment information receiving part which receives the request | requirement for updating the balance of the attached electronic value. The electronic value management system includes a value information update unit that updates the electronic value balance by reducing the electronic value corresponding to the payment amount from the electronic value balance associated with the terminal identification information or the account identification information. Furthermore, you may prepare.

  The electronic value management system described above is a request for determining whether terminal settlement information or account identification information, transaction settlement amount information, and transaction settlement are acceptable from a settlement processing apparatus that executes settlement processing for a user transaction. May further include a request receiving unit that receives. The electronic value management system further includes a balance extraction unit that refers to the value information storage unit and extracts an electronic value balance associated with the terminal identification information or the account identification information received by the request reception unit. Good. The electronic value management system described above compares the electronic value balance extracted by the balance extraction unit with the settlement amount of the user's transaction, and the electronic value balance extracted by the balance extraction unit A determination unit may be further provided that determines that the user's transaction can be settled when the payment amount is greater than or equal to the settlement amount. The electronic value management system may further include a transaction history storage unit that stores a history of transactions using the user's electronic value.

  In the electronic value management system, the request receiving unit includes at least one account identification information and at least one account identification information for at least one of the one or more account identification information associated with the terminal identification information of the first user. The change request for canceling the association with the terminal identification information and requesting the association between the at least one account identification information and the terminal identification information of the second user may be further received. In the electronic value management system, the value information update unit cancels the association between at least one account identification information and the first user's terminal identification information when the request reception unit receives the change request, At least one account identification information may be associated with the terminal identification information of the second user.

  In the second aspect of the present invention, a program for causing a computer to function as the above-described electronic value management system is provided. Note that a computer-readable medium that stores a program for an electronic value management system and that causes the computer to function as the electronic value management system may be provided.

  It should be noted that the above summary of the invention does not enumerate all the necessary features of the present invention. In addition, a sub-combination of these feature groups can also be an invention.

An example of payment system 100 is shown roughly. An example of a system configuration of user terminal 110 is shown roughly. An example of a system configuration of cash register 132 is shown roughly. An example of a system configuration of management server 140 is shown roughly. An example of data table 500 is shown roughly. An example of data table 600 is shown roughly. An example of information processing in management server 140 is shown roughly. An example of information processing in management server 140 is shown roughly.

  Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. In addition, not all the combinations of features described in the embodiments are essential for the solving means of the invention. In the drawings, the same or similar parts are denoted by the same reference numerals, and redundant description may be omitted.

  FIG. 1 schematically shows an example of a payment system 100. In the present embodiment, as an example, the payment system 100 presents the user terminal 110 or the card 120 and uses the electronic value service provided by the payment system 100 at a store where the user 102 purchases goods or services. Will be described. Examples of the electronic value service provided by the payment system 100 include (i) purchase or supplement processing of electronic value, (ii) payment processing using electronic value, and (iii) transfer processing of electronic value. .

  According to the present embodiment, (i) in the purchase or replenishment process of electronic value, the identification information recorded on the card 120 is associated with the identification information for identifying the user terminal 110. According to the present embodiment, using the store terminal 130 installed in an actual store, the identification information recorded on the card 120 and the identification information for identifying the user terminal 110 are associated with each other. Thereby, for example, after the purchase or replenishment processing of the electronic value is completed, the card 120 can be collected at the store and reused.

  According to the present embodiment, the identification information recorded on the card 120 and the identification information for identifying the user terminal 110 are associated with each other. Thereby, for example, (ii) in a payment process using electronic value, the same account is used when the card 120 is presented and the electronic value is used, and when the user terminal 110 is presented and the electronic value is used. Can be used to manage electronic value.

  For example, even when it is difficult to carry the user terminal 110 such as the sea, river, pool, etc., or even when it is prohibited to carry a mobile terminal at an event venue or the like, the card 120 is inserted. By carrying it, you can use electronic value. When the card 120 has an IC chip for storing electronic value, the store terminal 130 is provided with a barcode reader, but when the card terminal 120 is not provided with an RFID reader, the card 120 is presented and the electronic value is used. I can't. However, according to the present embodiment, the electronic value can be used by displaying the display screen 114 including the barcode 116 on the display unit 112 of the user terminal 110.

  In particular, when the identification information of the user terminal 110 is identification information assigned to the user terminal 110 or the user 102 by a program for managing electronic value, for example, the electronic value used in electronic commerce and the actual store Thus, the electronic value used when the user terminal 110 or the card 120 is presented to purchase goods or services can be managed using the same account. The program for managing the electronic value may be a program that operates on the management server 140 or a program that operates on the user terminal 110.

  In the present embodiment, the payment system 100 includes a store terminal 130 and a management server 140. The store terminal 130 includes a cash register 132 and a reading device 134. The payment system 100, the store terminal 130, and the cash register 132 may each be an example of an electronic value management system. The card 120 may be an example of a tangible thing that the user 102 can carry. The reading device 134 may be an example of a terminal information acquisition unit and an account information acquisition unit.

  In the present embodiment, the user terminal 110, the store terminal 130, and the management server 140 can send and receive information to and from each other via the communication line 10. The communication line 10 may be a wireless communication transmission line, a wired communication transmission line, or a combination thereof. Examples of the communication line 10 include a mobile communication network such as a mobile phone line network, a wireless packet communication network, the Internet, a dedicated line, and combinations thereof.

  The user terminal 110 stores terminal identification information for identifying the user terminal 110 (may be required as a terminal ID). The user terminal 110 may encrypt and store the terminal ID. The terminal ID is, for example, identification information assigned to the user terminal 110 or the user 102 by a specific program installed in the user terminal 110. The above program may be a program for causing the user terminal 110 to execute a procedure for managing electronic value. The terminal ID may be identification information assigned to the hardware of the user terminal 110. Examples of the identification information assigned to the hardware include a MAC address and a unique ID number for specifying a telephone number stored in a SIM card (Subscriber Identity Module Card).

  In the present embodiment, the user terminal 110 includes a display unit 112. In one embodiment, the user terminal 110 causes the display unit 112 to display the terminal ID of the user terminal 110 in response to an instruction from the user 102. In another embodiment, the user terminal 110 displays the terminal ID of the user terminal 110 on the display unit 112 in response to a request from the reading device 134.

  In the present embodiment, the user terminal 110 causes the display unit 112 to display a display screen 114 including a barcode 116 in which the terminal ID of the user terminal 110 is encoded. Thereby, the store terminal 130 can acquire the terminal ID of the user terminal 110 by reading the barcode 116 with the reading device 134 and decoding with the cash register 132.

  Bar code 116 may be an example of encoded information. The method for encoding information is not particularly limited as long as the information encoded by the method can be displayed on the display unit 112. Examples of the encoded information include a one-dimensional code such as a barcode, a two-dimensional code such as a color barcode, a QR code (registered trademark), and a three-dimensional code such as a color C code.

  In the present embodiment, the case where the user terminal 110 codes the terminal ID of the user terminal 110 and displays the coded information on the display unit 112 will be described. However, the terminal ID display method of the user terminal 110 is not limited to this embodiment. In other embodiments, the user terminal 110 may display the terminal ID of the user terminal 110 on the display unit 112 without encoding it.

  The user terminal 110 may be an information processing apparatus capable of transmitting and receiving information via the communication line 10 and is not particularly limited. As the user terminal 110, a personal computer, a mobile terminal, or the like in which Web browser software is introduced can be exemplified. The user terminal 110 is preferably a mobile terminal.

  Examples of the portable terminal include a mobile phone or a smartphone, a notebook computer or a laptop computer, a PDA, a tablet terminal, and a wearable computer. Examples of wearable computers include glasses, bracelets, and ring-type wearable computers.

  The card 120 is carried by the user 102. The card 120 records account identification information (sometimes referred to as an account ID) for identifying an account for managing electronic value. The account ID may be card identification information (sometimes referred to as a card ID) that is recorded on the card 120 and identifies the card 120.

  In one embodiment, the card ID is recorded on the card 120 by a method such as printing, stamping, or pasting. The card ID may be a symbol or a coded symbol. In the present embodiment, the card ID is printed on the surface of the card 120 as a barcode 126, for example. In another embodiment, the card ID is recorded as digital data in an IC chip, a memory, or the like disposed on the card 120.

  The card ID may be identification information assigned to the card 120 or the user 102 by the service provider that provides the service. In one embodiment, the card 120 may be a prepaid card for purchasing electronic value. In this case, the card ID may be identification information assigned to the card 120 by a service provider that provides an electronic value service. In other embodiments, the card 120 may be a membership card indicating that the user 102 is a user of a service provided by a service provider. In this case, the card ID may be identification information assigned to the user 102 by the service provider.

  In the present embodiment, the case where the tangible object in which the account ID is recorded is the card 120 has been described. However, the tangible object in which the account ID is recorded is not limited to this embodiment. In other embodiments, the tangible object may be a film-like, seal-like, or ring-like object, and may be an accessory such as glasses, earrings, earrings, or nail polish.

  The cash register 132 is distributed to a store where the user 102 trades goods or services, and settles the transaction. In one embodiment, when the card 120 is a prepaid card for purchasing electronic value, and the user 102 purchases electronic value using the card 120, the cash register 132 performs the transaction according to the following procedure, for example. To settle.

  First, the cash register 132 acquires the terminal ID of the user terminal 110 and the card ID of the card 120 from the reading device 134. Next, the cash register 132 associates the terminal ID of the user terminal 110 with the card ID of the card 120 and transmits it to the management server 140. Thereby, in the management server 140, the terminal ID of the user terminal 110, the card ID of the card 120, and the information regarding the balance of the electronic value can be associated with each other. The cash register 132 may further transmit the information related to the payment method at the time of purchase of the card 120 to the management server 140 in association with the above information. For example, the user 102 purchases the electronic value by purchasing the card 120 by cash settlement.

  In another embodiment, when the user 102 purchases goods or services using electronic value, the cash register 132 settles the transaction according to the following procedure, for example. First, the cash register 132 acquires information regarding the price of goods or services purchased by the user 102 (sometimes referred to as transaction settlement amount) from the reading device 134. Next, the cash register 132 acquires the terminal ID of the user terminal 110 or the card ID of the card 120 from the reading device 134.

  Next, the cash register 132 associates the terminal ID of the user terminal 110 or the card ID of the card 120 with the settlement amount of the transaction, and transmits it to the management server 140. As a result, the management server 140 can update the electronic value balance by subtracting the electronic value corresponding to the transaction payment amount from the electronic value balance associated with the terminal ID or the card ID. The cash register 132 may further transmit information to the management server 140 by associating the above information with information related to the transaction settlement method.

  The cash register 132 may be an information processing apparatus that can send and receive information via the communication line 10 and is not particularly limited. As the user terminal 110, a personal computer, a mobile terminal, or the like in which Web browser software is introduced can be exemplified. The user terminal 110 is preferably a mobile terminal.

  Examples of the portable terminal include a mobile phone or a smartphone, a notebook computer or a laptop computer, a PDA, a tablet terminal, and a wearable computer. Examples of wearable computers include glasses, bracelets, and ring-type wearable computers.

  The reading device 134 scans the card 120 and reads the card ID recorded on the card 120. The reading device 134 acquires a terminal ID from the user terminal 110.

  In one embodiment, the reading device 134 scans the display screen 114 displayed on the display unit 112 of the user terminal 110 and reads the terminal ID of the user terminal 110. In another embodiment, the reading device 134 acquires the terminal ID by capturing the display screen 114 displayed on the display unit 112 of the user terminal 110 and analyzing the captured image.

  In another embodiment, the reading device 134 acquires digital data recorded on an IC chip of the user terminal 110 by short-range wireless communication. Examples of short-range wireless communication methods include RFID, Zigbee (registered trademark), Bluetooth (registered trademark), WiFi (registered trademark), and WiMAX (registered trademark).

  Examples of the reading device 134 include information reading devices such as a magnetic card reader, an RFID reader, a barcode (registered trademark) reader, and a QR code (registered trademark) reader. The reading device 134 may be an imaging device such as a camera.

  The management server 140 manages electronic value. The management server 140 may manage points given by a service provider that provides a point service (sometimes referred to as a mileage service). The management server 140 may determine the point grant amount or the grant rate according to the payment method at the time of purchasing or replenishing the electronic value. The management server 140 may store information regarding a payment method at the time of purchasing or replenishing electronic value.

  Each of the cash register 132 and the management server 140 may be realized by hardware, may be realized by software, or may be realized by a combination of hardware and software. For example, the computer functions as the cash register 132 or the management server 140 by executing the program.

  Each of the cash register 132 and the management server 140 includes a data processing device having a processor such as a CPU, a ROM, a RAM, a communication interface, an input device such as a keyboard, a touch panel, a microphone, and a GPS information receiving device, a display device, and a speaker. And an output device such as a memory and an HDD. The data processing device or the storage device may store the software or program.

  The above software or program may be stored in a computer-readable medium such as a CD-ROM, DVD-ROM, memory, or hard disk, or may be stored in a storage device connected to a network. The software or program may be installed in the cash register 132 or the computer of the management server 140 from a computer-readable medium or a storage device connected to a network.

  The program that causes the computer to function as each part of the cash register 132 or the management server 140 may include a module that defines the operation of each part of the cash register 132 or the management server 140. These programs or modules operate on a processor, a communication interface, and the like to function as each unit of the user terminal 110 or execute an information processing method in each unit of the cash register 132 or the management server 140.

  The information processing described in these programs functions as a specific means in which the software and the hardware resources of the cash register 132 or the management server 140 cooperate by being read by the computer. Then, the cash register 132 or the management server 140 according to the purpose of use can be constructed by realizing calculation or processing of information according to the purpose of use of the computer in the present embodiment by these specific means.

  Each unit of the cash register 132 or the management server 140 may be realized by starting software or a program that defines the operation of each unit of the cash register 132 or the management server 140 in an information processing apparatus having a general configuration. An information processing device used as the cash register 132 or the management server 140 or a part thereof includes a data processing device having a processor such as a CPU, a ROM, a RAM, a communication interface, an input device such as a keyboard, a touch panel, and a microphone, and a liquid crystal You may provide display apparatuses, such as a display, output devices, such as a speaker, and memory | storage devices, such as memory and HDD. The data processing device or the storage device may store the software or program.

  In the present embodiment, the case where the store terminal 130 associates the identification information recorded on the card 120 with the identification information for identifying the user terminal 110 has been described. However, the method of associating the identification information recorded on the card 120 with the identification information for identifying the user terminal 110 is not limited to this embodiment. In another embodiment, the user terminal 110 may associate the identification information recorded on the card 120 with the identification information that identifies the user terminal 110.

  For example, the user terminal 110 includes a storage device such as a memory, and stores identification information of the user terminal 110. Further, when the user terminal 110 includes an imaging device such as a camera, the user terminal 110 captures the card 120 by the imaging device and analyzes the image of the card 120 to acquire the identification information of the card 120. The user terminal 110 may include a short-range wireless communication device such as an RFID reader, and may acquire identification information of the card 120 stored in a storage device such as an IC chip disposed on the card 120 from the card 120. The user terminal 110 associates the identification information of the card 120 acquired from the imaging device, the short-range wireless communication device, and the like with the identification information of the user terminal 110 stored in the storage device of the user terminal 110, and manages the management server 140. May be sent to

  In the present embodiment, the case where electronic value is purchased or supplemented using a prepaid card has been described. However, the electronic value purchase method or replenishment method is not limited to this embodiment. The electronic value purchase method or replenishment method may be a prepaid method or a postpaid method. Specific settlement methods in the prepaid method and the postpaid method may be cash settlement, bank settlement, credit settlement, etc., and are settlement means provided by a communication carrier (sometimes referred to as carrier settlement). There may be.

  In this embodiment, the case where account ID is card ID recorded on the card | curd 120 which is a tangible thing was demonstrated. However, the account ID is not limited to this embodiment. The account ID may be digital data generated by the management server 140.

  For example, the user terminal 110 accesses the management server 140 via the communication line 10 and requests electronic value purchase processing or replenishment processing. In response to a request from the user terminal 110, the management server 140 generates data in which an account ID is associated with an electronic value corresponding to a purchase request amount or a replenishment request amount. The management server 140 stores the generated data in a storage device.

  In one embodiment, the management server 140 acquires the terminal ID of the user terminal 110 from the user terminal 110 and associates the terminal ID and the account ID. The terminal ID of the user terminal 110 may be included in the request from the user terminal 110 described above. Electronic value settlement may be performed online by credit settlement, bank settlement, carrier settlement, or the like.

  In another embodiment, the management server 140 transmits the generated account ID and information regarding the payment amount of electronic value to the user terminal 110. The user terminal 110 displays the account ID and payment amount received from the management server 140 and the terminal ID of the user terminal 110 on the display unit 112. The user terminal 110 may display a barcode (registered trademark), QR code (registered trademark) or the like on which information such as an account ID, a payment amount, and a terminal ID of the user terminal 110 is encoded on the display unit 112.

  Next, the reading device 134 reads the information displayed on the display unit 112, and the electronic register is settled in the cash register 132. Information such as the account ID, the payment amount, and the terminal ID of the user terminal 110 may be transmitted from the user terminal 110 to the reading device 134 by short-range wireless communication. Electronic value settlement may be implemented by cash settlement, credit settlement, bank settlement, or the like.

  The cash register 132 may issue the card 120 in which the account ID read by the reading device 134 is recorded. The cash register 132 may issue a card 120 in which a card ID different from the account ID is recorded. When the reading device 134 reads information related to the card type from the user terminal 110, the cash register 132 may issue a card 120 corresponding to the card type. For example, the cash register 132 issues a card 120 having an appearance corresponding to the type of card.

  In one embodiment, the cash register 132 prepares a plain card and prints characters, patterns, colors, and the like according to the type of the card read by the reading device 134 on the surface of the plain card. A card 120 having an appearance corresponding to the card type is issued. In another embodiment, the cash register 132 prepares a plurality of types of cards, and selects a card according to the type of the card read by the reading device 134 from the plurality of types of cards. A card 120 having an appearance corresponding to the card type is issued.

  When the settlement of the electronic value is completed, the cash register 132 associates the terminal ID and account ID of the user terminal 110 read by the reading device 134 and transmits them to the management server 140. When a card ID different from the account ID is recorded on the card 120, the account ID and the card ID may be associated with each other and transmitted to the management server 140. The management server 140 associates the terminal ID of the user terminal 110 received from the cash register 132 with the account ID stored in the storage device of the management server 140 using the account ID as a key.

  In addition, when the management server 140 generates data in which the account ID is associated with the electronic value corresponding to the desired purchase amount or the desired supplement amount in response to a request from the user terminal 110, the terminal ID of the user terminal 110 is generated. Are further associated, the cash register 132 may transmit information indicating that the settlement of the account ID is completed when the settlement of the electronic value is completed.

  FIG. 2 schematically shows an example of the system configuration of the user terminal 110. In the present embodiment, the user terminal 110 includes a display unit 112, a screen generation unit 210, a short-range wireless communication unit 220, an input unit 230, a request processing unit 240, a server communication unit 250, and a storage unit 260. Is provided. The storage unit 260 may include a terminal information storage unit 262. Each unit of the user terminal 110 can transmit and receive information to and from each other.

  The screen generation unit 210 generates the display screen 114. The screen generation unit 210 may generate the display screen 114 by encoding the terminal ID of the user terminal 110 stored in the terminal information storage unit 262. The short-range wireless communication unit 220 transmits / receives information to / from the reading device 134 via short-range wireless communication. The input unit 230 inputs an instruction from the user 102. Examples of the input unit 230 include a keyboard, a pointing device, a touch panel, a microphone, and a camera.

  The request processing unit 240 processes a request to the user terminal 110 or the payment system 100 input by the user 102 to the input unit 230. The request to the payment system 100 is a request for transferring at least a part of the electronic value managed in the account associated with the terminal ID of the user terminal 110 or the card ID of the card 120 to a third party. It's okay. Thereby, for example, the electronic value can be presented to the third party in the same manner as when presenting the actual prepaid card to the third party.

  The server communication unit 250 transmits and receives information to and from the management server 140 via the communication line 10. The server communication unit 250 may be a communication interface. The storage unit 260 stores information. The terminal information storage unit 262 stores the terminal ID of the user terminal 110.

  FIG. 3 schematically shows an example of the system configuration of the cash register 132. In the present embodiment, the cash register 132 includes a communication unit 310, an input unit 320, an association unit 330, a request processing unit 340, a payment amount determining unit 350, and a payment processing unit 360. The input unit 320 includes an image analysis unit 322. Each unit of the cash register 132 can transmit and receive information to and from each other. The input unit 320 may be an example of a terminal information acquisition unit and an account information acquisition unit. The association unit 330 may be an example of an identification information transmission unit. The request processing unit 340 may be an example of a request transmission unit.

  The communication unit 310 sends and receives information to and from the management server 140 via the communication line 10. The communication unit 310 may be a communication interface.

  The input unit 320 inputs information read by the reading device 134. The input unit 320 may acquire information by analyzing information read by the reading device 134. In one embodiment, when a barcode or QR code (registered trademark) is input from the reading device 134, the input unit 320 decodes the barcode or QR code (registered trademark) to obtain a barcode or QR code (registered trademark). Acquire information encoded in the trademark. In another embodiment, when an image is input from the reading device 134, the input unit 320 analyzes the image and acquires information included in the image.

  The input unit 320 may acquire the terminal ID of the user terminal 110 from the reading device 134. The input unit 320 may acquire the card ID of the card 120 from the reading device 134.

  The image analysis unit 322 receives an image obtained by capturing the display screen 114 of the display unit 112 of the user terminal 110 from the reading device 134. The image analysis unit 322 analyzes the above image and acquires the terminal ID of the user terminal 110 displayed on the display screen 114. The image analysis unit 322 may analyze the image by optical character recognition.

  The association unit 330 receives the terminal ID of the user terminal 110 and the card ID of the card 120 from the input unit 320. The association unit 330 associates the terminal ID of the user terminal 110 with the card ID of the card 120 and transmits the association to the management server 140 via the communication unit 310. The association unit 330 may request the management server 140 to store the terminal ID of the user terminal 110 and the card ID of the card 120 in association with each other.

  The request processing unit 340 generates a request to the management server 140 when it becomes necessary to access the management server 140 and acquire information during execution of the settlement process. Further, the generated request is transmitted to the management server 140 via the communication unit 310.

  For example, when the user 102 purchases goods or services using the user terminal 110 or the card 120, the user 102 presents the user terminal 110 or the card 120 to the cash register 132 and is provided by the payment system 100. Use a payment service. The request processing unit 340 receives the terminal ID of the user terminal 110 or the card ID of the card 120 from the input unit 320. Further, the request processing unit 340 receives information related to the transaction payment amount from the payment amount determination unit 350. Next, the request processing unit 340 generates a request for the management server 140 to acquire information related to whether the transaction can be settled.

  In one embodiment, the information regarding whether or not the transaction can be settled is information regarding the balance of electronic value in the account associated with the terminal ID of the user terminal 110 or the card ID of the card 120. In another embodiment, the information regarding whether or not the transaction can be settled is information indicating whether or not the balance of the electronic value is equal to or more than the transaction settlement amount.

  In one embodiment, the request processing unit 340 transmits the terminal ID of the user terminal 110 or the card ID of the card 120 and the generated request to the management server 140 so as to transmit information related to whether the transaction can be settled. To request. In another embodiment, the request processing unit 340 transmits the terminal ID of the user terminal 110 or the card ID of the card 120, information on the transaction settlement amount, and the generated request to the management server 140, and the management server 140 Request 140 to determine whether the transaction can be settled.

  The request processing unit 340 receives a response from the management server 140 to the request. When the request processing unit 340 receives information indicating that the transaction can be settled from the management server 140, the request processing unit 340 notifies the settlement processing unit 360 to that effect. In addition, a request for updating the balance of the electronic value is generated and transmitted to the management server 140. When the request processing unit 340 receives information indicating that the transaction cannot be settled from the management server 140, the request processing unit 340 executes, for example, processing for notifying the user 102 to that effect.

  The settlement amount determination unit 350 determines the settlement amount for the transaction of the user 102. For example, the payment amount determination unit 350 acquires information on the price of one or more products or services purchased by the user 102 from the input unit 320. The settlement amount determination unit 350 aggregates the acquired information and determines the settlement amount of the transaction. When the settlement processing unit 360 receives information indicating that the transaction can be settled from the request processing unit 340, the settlement processing unit 360 executes a transaction settlement process.

  FIG. 4 schematically shows an example of the system configuration of the management server 140. In the present embodiment, the management server 140 includes a storage unit 410, a communication unit 420, and a value information management unit 430. The storage unit 410 includes a transaction history storage unit 412 and a value information storage unit 414. The value information management unit 430 includes a balance extraction unit 432, a determination unit 434, and an update unit 436. Each unit of the management server 140 can send and receive information to and from each other. The communication unit 420 may be an example of an identification information reception unit, a payment information acquisition unit, and a request reception unit. The update unit 436 may be an example of a value information update unit.

  The storage unit 410 stores information. The transaction history storage unit 412 stores a history of transactions using the electronic value of the user 102.

  The value information storage unit 414 stores the terminal ID of the user terminal 110, the card ID of the card 120, and information related to the balance of electronic value in the account identified by the card ID of the card 120. The value information storage unit 414 may store information related to the balance of points given to the user from the product or service provider in addition to the above information.

  For example, the communication unit 420 receives the terminal ID of the user terminal 110 and the card ID associated with the terminal ID from the association unit 330 of the cash register 132. The communication unit 420 transmits the received information to the update unit 436.

  The communication unit 420 is associated with, for example, the terminal ID of the user terminal 110 or the card ID of the card 120, information on the settlement amount of the transaction, and the terminal ID or the card ID from the request processing unit 340 of the cash register 132. And a request for updating the balance of the electronic value. The communication unit 420 transmits the received information to the update unit 436.

  The communication unit 420, for example, from the request processing unit 340 of the cash register 132, a request for determining the terminal ID of the user terminal 110 or the card ID of the card 120, information on the transaction settlement amount, and whether or not transaction settlement is possible. And receive. The communication unit 420 transmits the received information to at least one of the balance extraction unit 432 and the determination unit 434.

  For example, for at least one of the one or more card IDs associated with the terminal ID of the user terminal 110, the communication unit 420 cancels the association between the card ID and the terminal ID of the user terminal 110 from the user terminal 110. The change request for requesting the card ID to be associated with the terminal ID of the user terminal of another user is received. The communication unit 420 transmits the received information to the update unit 436.

  The value information management unit 430 manages information stored in the value information storage unit 414. In response to a request from the request processing unit 340 of the cash register 132, the balance extraction unit 432 obtains at least one of the balance of electronic value and the balance of points associated with a specific terminal ID or a specific account ID or card ID. Extract. The balance extraction unit 432 may transmit the extracted information to the request processing unit 340 of the cash register 132 or to the determination unit 434.

  For example, when the balance extraction unit 432 receives from the communication unit 420 the terminal ID of the user terminal 110 or the card ID of the card 120 and a request for determining whether the transaction can be settled, the value extraction unit 432 refers to the value information storage unit 414. Then, the balance of the electronic value associated with the terminal ID of the user terminal 110 or the card ID of the card 120 is extracted. The balance extraction unit 432 transmits the extraction result to the determination unit 434.

  The determination unit 434 determines whether the transaction can be settled. For example, the determination unit 434 receives information regarding the balance of the extracted electronic value from the balance extraction unit 432. In addition, the communication unit 420 receives information related to the transaction settlement amount. The determination unit 434 compares the electronic value balance with the transaction settlement amount, and determines that the transaction settlement is possible when the electronic value balance is equal to or greater than the transaction settlement amount.

  The update unit 436 updates information stored in the storage unit 410. In one embodiment, when the communication unit 420 receives the terminal ID of the user terminal 110 and the card ID associated with the terminal ID from the association unit 330, the update unit 436 receives from the communication unit 420, The terminal ID and the card ID are received. The update unit 436 stores the received terminal ID and card ID in the value information storage unit 414 in association with each other.

  When the card 120 is an electronic value prepaid card, the updating unit 436 does not need to associate the terminal ID with the card ID every time the electronic value is replenished. In one embodiment, even when the communication unit 420 receives a terminal ID and a card ID from the association unit 330, the balance of electronic value managed in the account associated with the terminal ID is greater than zero. If larger, the updating unit 436 adds the electronic value supplemented by the card 120 to the electronic value balance and updates the electronic value balance without associating the card ID with the terminal ID. Good.

  In another embodiment, the communication unit 420 is associated from the request processing unit 340 with the terminal ID of the user terminal 110 or the card ID of the card 120, information regarding the transaction settlement amount, and the terminal ID or the card ID. When receiving the request for updating the balance of the electronic value, the update unit 436 receives from the communication unit 420 the terminal ID or the card ID and information related to the transaction settlement amount.

  The update unit 436 updates the electronic value balance by reducing the electronic value corresponding to the payment amount from the electronic value balance associated with the received terminal ID or card ID. The update unit 436 may store the transaction time and the transaction settlement amount in the transaction history storage unit 412 in association with each other. The update unit 436 may further store information related to transaction details in the transaction history storage unit 412 in association with the above information.

  In another embodiment, when the communication unit 420 receives a change request from the user terminal 110, the update unit 436 receives the terminal ID of the user terminal 110 and the terminal ID of another user's user terminal from the communication unit 420. And receive. The update unit 436 resolves the association between the card ID and the terminal ID of the user terminal 110 for at least one of the one or more card IDs associated with the terminal ID of the user terminal 110, Is associated with the terminal ID of the user terminal of the user. The update unit 436 may receive a card ID for changing the correspondence relationship with the terminal ID from the communication unit 420.

  The update unit 436 may manage the points given by the point service provider. The update unit 436 may determine the point grant amount or the grant rate according to the payment method at the time of purchasing or replenishing the electronic value. For example, when the payment method is a credit payment, the update unit 436 determines the point grant amount or the grant rate so that the point grant amount or the grant rate is smaller than other payment methods. The update unit 436 may determine the point grant amount based on the purchase amount or supplement amount of the electronic value and the settlement method.

  The update unit 436 may determine the point grant amount or the grant rate according to the settlement method of the product or service purchased at the store. For example, when the payment method is a credit payment, the update unit 436 determines the point grant amount or the grant rate so that the point grant amount or the grant rate is smaller than other payment methods. The update unit 436 may determine the point grant amount based on the purchase price of the product or service and the settlement method. The update unit 436 may determine the point grant amount based on the purchase price of the product or service and the settlement method.

  Thereby, the correspondence between the terminal ID and the card ID can be changed, and the electronic value can be transferred from the user 102 to another user. As a result, the transaction history of the user 102 can be recorded more accurately.

  FIG. 5 schematically shows an example of the data table 500. The data table 500 may be an example of value information stored in the value information storage unit 410. In the present embodiment, the data table 500 stores a terminal ID 502, a value type 504, a value balance 506, a card ID 508, a point balance 510, and a settlement method 520 in association with each other. The point balance 510 includes a point balance 512 given by the company A and a point balance 514 given by the company B.

  In the present embodiment, when a plurality of card IDs 508 are associated with one terminal ID 502, the total value of the value balances of the plurality of cards is entered in the value balance 506. In the present embodiment, the card ID 508 may be used as an account ID for electronic value. In another embodiment, in another embodiment, the data table 500 may further store an account ID in association with each other. In this case, the account ID and the card ID may be the same in at least some of the records.

  In the data table 500, NONE means that no data exists. For example, in the record in which the terminal ID 502 is indicated by T0010, NONE is entered in the card ID 508 column. In this case, for example, the electronic value is supplemented by a method other than the prepaid card. In the record with the card ID 508 of C0050, NONE is entered in the field of the terminal ID 502. In this case, for example, it is indicated that the card indicated by the card ID 508 is an unpurchased prepaid card.

  In the data table 500, the value type 504 indicates the type of electronic value. The value type 504 may be, for example, identification information for identifying an electronic value service, or identification information for identifying an operator that provides the electronic value service.

  In the data table 500, a payment method 520 indicates a payment method in the electronic value purchase process or replenishment process. According to the data table 500, for example, it can be seen that a prepaid card whose card ID 508 is C0003 has been purchased by carrier settlement. Further, it can be seen that the electronic value is purchased or supplemented by credit settlement in the record whose terminal ID 502 is indicated by T0010.

  FIG. 6 schematically shows an example of the data table 600. The data table 600 may be an example of value information stored in the value information storage unit 410. In the present embodiment, the data table 600 is data in that when a plurality of card IDs 508 are associated with one terminal ID 502, the value balance 606 is filled with the value balance of each card. Different from the table 500. About another point, you may have the structure similar to the data table 500. FIG.

  FIG. 7 schematically shows an example of electronic value transfer processing in the management server 140. With reference to FIG. 7, an electronic value transfer process will be described by taking as an example a case where an electronic value purchased by a user A using a prepaid card is transferred to a user C.

  According to the present embodiment, in step 710 (step may be abbreviated as S), the user A designates the transfer partner and the transfer amount, and gives an instruction for executing the transfer process to the user terminal 110. To enter. User A's user terminal 110 transmits information on the transfer partner and transfer amount to the management server 140 and requests the start of transfer processing.

  In S930, the management server 140 transmits an email to the user terminal 110 of the user C and notifies the user A that there is an offer to transfer the electronic value to the user C. In step S <b> 732, the user C inputs an instruction for answering the mail from the management server 140 to the user terminal 110.

  When the user C accepts the transfer offer, in S740, the management server 140 executes the transfer process. Specifically, the update unit 436 refers to the data table 600 stored in the value information storage unit 414 and rewrites the terminal ID 502 corresponding to the corresponding card ID 508. At this time, the program is installed in the user terminal 110 of the user C as necessary. On the other hand, when the user C refuses the offer of assignment, the updating unit 436 stops the assignment process and notifies the user A that the user C has refused the offer of assignment.

  FIG. 8 schematically shows an example of electronic value transfer processing in the management server 140. The transfer process of electronic value will be described using FIG. 8 as an example in which user A and user B jointly purchase electronic value and transfer the electronic value to user C.

  According to the present embodiment, in S710, the user A inputs an instruction for executing the transfer process by designating the electronic value joint purchaser, the transfer partner, and the transfer amount. The user terminal 110 of the user A transmits information regarding the joint purchaser of electronic value, the transfer partner, and the transfer amount to the management server 140, and requests the start of the transfer process.

  In S820, the management server 140 transmits an email to the user terminal 110 of the user B who is a joint purchaser of electronic value, and notifies the user A that there is a proposal to jointly purchase electronic value to the user B. In S 832, the user B inputs an instruction to reply to the mail from the management server 140 to the user terminal 110.

  When user B accepts the proposal, the transfer process is executed in the same manner as described with reference to FIG. When the transfer process is completed, in S850, the management server 140 executes a settlement process. Specifically, the electronic value corresponding to the amount paid by the user B is moved from the account that manages the electronic value of the user B to the account that manages the electronic value of the user A. On the other hand, when the user B rejects the proposal, the management server 140 stops the transfer process, for example, and notifies the user A that the user C rejects the proposal.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiment. For example, the matters described in the specific embodiment can be applied to other embodiments within a technically consistent range. Moreover, in each embodiment, the order and timing which implement each step can be changed suitably in the range which does not produce technical contradiction. Furthermore, A or B may be read as at least one of A and B within a technically consistent range. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

  The order of execution of each process such as operations, procedures, steps, and stages in the apparatus, system, program, and method shown in the claims, the description, and the drawings is particularly “before” or “prior to”. It should be noted that the output can be realized in any order unless the output of the previous process is used in the subsequent process. Regarding the operation flow in the claims, the description, and the drawings, even if it is described using “first”, “next”, etc. for convenience, it means that it is essential to carry out in this order. It is not a thing.

  In the present specification, a terminal information acquisition unit for acquiring terminal identification information for identifying a user's information processing terminal, and account identification information for identifying an account for managing electronic value, which is a tangible object that can be carried by the user, are recorded. An account information acquisition unit that acquires the account identification information from the tangible object, and an identification information transmission unit that transmits the terminal identification information and the account identification information in association with the management server that manages the electronic value. An electronic value management system is disclosed. In the electronic value management system, the tangible object may be different from the information processing terminal. Also disclosed is a program for causing a computer to function as the electronic value management system.

  10 communication lines, 100 payment systems, 102 users, 110 user terminals, 112 display units, 114 display screens, 116 bar codes, 120 cards, 126 bar codes, 130 store terminals, 132 cash registers, 134 devices, 140 management servers, 210 Screen generation unit, 220 Short-range wireless communication unit, 230 input unit, 240 request processing unit, 250 server communication unit, 260 storage unit, 262 terminal information storage unit, 310 communication unit, 320 input unit, 322 image analysis unit, 330 Attaching unit, 340 request processing unit, 350 settlement amount determination unit, 360 settlement processing unit, 410 storage unit, 412 transaction history storage unit, 414 value information storage unit, 420 communication unit, 430 value information management unit, 432 balance extraction unit, 434 determination unit, 436 update unit, 5 00 data table, 502 terminal ID, 504 value type, 506 value balance, 508 card ID, 510 point balance, 512 balance, 514 balance, 520 settlement method, 600 data table, 606 value balance

Claims (10)

The terminal identification information for identifying the information processing terminal of the user, the account identification information for identifying the account for managing the electronic value recorded in the tangible material that the user can carry, and the electronic value in the account identified by the account identification information A value information storage unit that stores information related to the balance in association with each other;
The association between the at least one account identification information and the terminal identification information of the first user is canceled for at least one of the one or more account identification information associated with the terminal identification information of the first user. A request receiving unit for receiving a change request for associating the at least one account identification information with the terminal identification information of the second user;
When the request receiving unit receives the change request, the association between the at least one account identification information and the terminal identification information of the first user is canceled, the at least one account identification information, A value information update unit that associates the terminal identification information of the two users,
With
The tangible object is
Unlike the information processing terminal,
Is a card,
Electronic value management system. The value information storage unit stores the terminal identification information, the account identification information, information on the balance of the electronic value, and information on a payment method at the time of purchase or replenishment of the electronic value in association with each other.
The electronic value management system according to claim 1. The value information storage unit associates the terminal identification information, the account identification information, information about the balance of the electronic value, and information about the balance of the points given to the user from a product or service provider. Store,
The electronic value management system according to claim 1 or 2. Corresponding to the terminal identification information or the account identification information, the information related to the payment amount of the user transaction, and the terminal identification information or the account identification information from the payment processing device that executes the payment processing of the user transaction. A payment information receiving unit for receiving a request for updating the balance of the electronic value;
A value information update unit that updates the electronic value balance by decreasing the electronic value corresponding to the payment amount from the electronic value balance associated with the terminal identification information or the account identification information;
Further comprising
The electronic value management system according to any one of claims 1 to 3. The terminal identification information or the account identification information, information related to the payment amount of the transaction, and a request for determining whether or not the transaction can be settled are received from the payment processing device that executes the payment processing of the user's transaction. A request receiver to
A balance extraction unit that extracts the balance of the electronic value associated with the terminal identification information or the account identification information received by the request reception unit with reference to the value information storage unit;
The balance of the electronic value extracted by the balance extraction unit is compared with the settlement amount of the user transaction, and the balance of the electronic value extracted by the balance extraction unit is equal to or greater than the settlement amount of the user transaction. A determination unit that determines that the user's transaction can be settled, and
Further comprising
The electronic value management system according to claim 4. The payment information receiving unit further receives information related to a payment method of the transaction from a payment processing device that executes a payment process of the transaction of the user;
The value information update unit
According to the settlement method of the transaction, determine the amount of points awarded,
Updating information on the balance of points stored in the value information storage unit based on the determined amount of points granted;
The electronic value management system according to claim 4 . A transaction history storage unit for storing a history of transactions using the electronic value of the user;
The electronic value management system according to any one of claims 1 to 6.   A store terminal that is arranged in the store and transmits / receives information to / from the value information storage unit via a communication line;
  The store terminal
  A terminal information acquisition unit that acquires information about the at least one account identification information and the card type from the information processing terminal of the second user;
  (I) has an appearance corresponding to the type of the card acquired by the terminal information acquisition unit, and (ii) corresponds to the at least one account identification information acquired by the terminal information acquisition unit, or the account identification information A card issuing unit for issuing a card having the card identification information attached thereto;
  Comprising
  The electronic value management system according to any one of claims 1 to 7.   The request receiving unit further acquires terminal identification information of a joint purchaser of the card related to the change request,
  The electronic value management system includes:
  A confirmation notification transmitter for transmitting to the information processing terminal of the joint purchaser a notification for confirming whether or not to agree to the joint purchase of the card;
  An agreement information receiving unit that receives information indicating whether or not to agree to the joint purchase of the card from the information processing terminal of the joint purchaser;
  Further comprising
  When the value information update unit receives information indicating that the consent information receiving unit agrees to joint purchase of the card from the information processing terminal of the joint purchaser,
  Canceling the association between the at least one account identification information and the terminal identification information of the first user, associating the at least one account identification information with the terminal identification information of the second user,
  Updating information about the balance of electronic value associated with each of the terminal identification information of the first user and the joint purchaser;
  The electronic value management system according to any one of claims 1 to 8. A program for causing a computer to function as the electronic value management system according to any one of claims 1 to 9 .