JP7129687B2 - House-type electronic money management device, house-type electronic money management method, and house-type electronic money management system - Google Patents

Description

The present invention relates to a house-type electronic money management apparatus, a house-type electronic money management method, and a house-type electronic money management system.

Electronic money is widespread. For example, Patent Document 1 describes a customer information database in which customer information is recorded, a customer side card in which customer identification information is recorded and carried by the customer, and a card used when the customer purchases a predetermined product or service. a store side terminal that reads a customer side card to identify the customer, transmits information on the product or service purchased by the customer to the customer information database, and conversely receives information from the customer information database. A system is disclosed.

JP 2016-91492 A

There is prepaid electronic money that charges cash to a card in advance. Prepaid type electronic money includes IC chip type electronic money in which an IC chip is mounted, and house type electronic money in which magnetism, bar codes, etc. are read without incorporating an IC chip. IC chip type electronic money uses a non-contact type IC card in which the charged amount, the used amount, etc. are recorded, and payment is made by reading the IC chip with a dedicated device. In addition, with IC chip type electronic money, the issuer of IC chip type electronic money intervenes between the company or store that introduces electronic money and the user (consumer), and the amount charged by the user is issued. It is a mechanism to keep the original.

House-type electronic money, on the other hand, is issued under the name of stores such as specialty stores, beauty salons, barbers, dry cleaners, cafes, supermarkets, drug stores, family restaurants, clothing stores, fitness clubs, hotels, restaurant chains, and amusement facilities. be done. Such house-type electronic money is server-managed electronic money, such as the above-mentioned IC chip-type electronic money, brand prepaid cards issued by credit card companies, department stores, etc., which can be used universally at various stores. separated from the card.

In house-type electronic money, the amount charged by the user is directly deposited by the company or store that introduced the house-type electronic money as an advance payment. In addition, with house-type electronic money, bonus benefits can be obtained when cash is charged, and many points can be obtained by using it at the issuing store (use points), compared to cash payment, There are many benefits for users. In addition, in house-type electronic money, the charged amount is deposited at the store, and the introduction of house-type electronic money can increase the frequency of visits. Therefore, stores that have introduced house-type electronic money can retain customers and are expected to increase sales.

Here, since conventional house-type electronic money is issued for each store mainly for the purpose of retaining customers, a plurality of house-type electronic money is required for each store. On the other hand, there are branded prepaid cards that can be used universally at various stores. It is difficult to increase the frequency of customer visits.

In view of the above problems, it is an object of the present invention to provide a technology related to new house-type electronic money that can be used at multiple stores and that can increase the frequency of visits by users at stores that have introduced house-type electronic money. Make it an issue.

In order to solve the above problems, in the present invention, one house-type electronic money can be used at multiple stores, but the charged amount (charged amount) and bonus benefits obtained by charging can be used only at the store where the charge was made. The usage points obtained by using house-type electronic money can be shared among group stores.

Specifically, the present invention is a house-type electronic money management apparatus for managing house-type electronic money, comprising: card identification information for house-type electronic money; store identification information for a store where house-type electronic money is introduced; Recharge information managed for each store and related to charging cash, Bonus benefit information related to bonus benefits granted by charging cash managed for each store, and usage granted by using house-type electronic money a storage unit for storing usage point information relating to usage points which are points and can be shared by a predetermined group store consisting of a plurality of stores, and group store identification information for identifying the group store; card identification information; , store identification information, and an authentication unit that authenticates the house-type electronic money, and if the house-type electronic money is authenticated, a store for charging the house-type electronic money with cash is designated and the cash charge is accepted. and give bonus benefits according to the charged amount, and charge information, bonus privilege information, and store identification of the specified store so that the charged cash and bonus benefits can be used only at the specified store a charge processing unit for processing in association with information; and when house-type electronic money is authenticated, accepts input of a settlement amount, outputs charge information, bonus privilege information, and use point information, and charges charged cash. , bonus benefits, or use points, whichever is used for payment is accepted and settled, use points are given according to the content of use, and use point information and group identification are provided so that use points can be shared among group stores. A house-type electronic money management apparatus including a settlement processing unit that processes information in association with the information.

In the house-type electronic money management apparatus according to the present invention, the charge information and the bonus benefit information stored in the storage section and the store information are stored so that the charged cash and the bonus benefit can be used only at the designated store. It is processed (managed) in association with the identification information. In the house-type electronic money management device according to the present invention, the charged amount is deposited at the store. In addition, since users of house-type electronic money can obtain bonus benefits according to the amount of money charged, they can receive shopping and services on better terms than when using cash. For this reason, stores that have introduced house-type electronic money can increase the frequency of users visiting the store. As a result, the store can retain customers, and an increase in sales can be expected. In addition, since house-type electronic money is easier to use than cash, a further increase in sales can be expected at stores. In addition, by introducing in-house electronic money, it is possible to greatly reduce the amount of currency exchange work at stores.

Further, in the house-type electronic money management apparatus according to the present invention, the use point information stored in the storage unit and the group identification information are processed in association with each other so that the use points can be shared among group stores. A user of house-type electronic money can use the usage points at other stores that are group stores, thereby improving convenience for the user. In addition, it is possible to increase the frequency of visits by users at group stores, and to revitalize group stores. Group stores can be arbitrarily determined. Since the group store can be arbitrarily determined, house-type electronic money can be introduced even if the store is not the same affiliated store. Therefore, for example, by grouping stores that agree with a plan, it is possible to retain customers of all group stores. Group stores can be composed of, for example, groups and organizations of different industries in the same area (for example, shopping malls), groups and organizations of the same industry in different areas, and groups and organizations having capital relationships. However, group stores are not limited to these. Group stores can be arbitrarily determined regardless of regions, industries, and capital ties.

Also, authentication of house-type electronic money can be performed based on card identification information and store identification information. Therefore, the house-type electronic money according to the present invention can also be used as a gift. In this case, the recipient (user) can use the charged cash and bonus benefit only at the store designated by the sender. The points can be used at group stores.

House-type electronic money according to the present invention includes physical cards and mobile cards. House-type electronic money as a physical card can be configured by writing card identification information and the like on a resin (for example, plastic) card using magnetism, a bar code, a two-dimensional code, or the like. House-type electronic money as a mobile card can be configured by installing an application in a user terminal such as a smart phone to make the user terminal function as house-type electronic money. House-type electronic money balances (charge information, bonus benefit information, usage point information) and various other information (card identification information, store identification information, group identification information) are stored in house-type electronic money management devices (for example, It is distinguished from IC chip-mounted electronic money, which is managed by a server) and mounted with an IC (INTEGRATED CIRCUIT) chip on which a balance is written.

House-type electronic money can be charged with cash via a store terminal installed in the store or, for example, a user terminal (for example, a smartphone) of the user. When charging cash at a store terminal, the store charged with cash is the store that uses the charged cash. On the other hand, when charging cash at the user terminal, the user designates a store to charge cash. The degree (weighting) of the bonus privilege given by charging cash can be arbitrarily determined by the store or group stores according to the amount of money charged.

At the time of payment, the input of the payment amount and the output of charge information, bonus privilege information, and use point information can be performed via the store terminal. Confirmation of charge information, bonus benefit information, and usage point information, in other words, confirmation of the balance may be performed at the user terminal. The degree (weighting) of usage points given by using house-type electronic money can be arbitrarily determined by the store or group stores according to the usage details (for example, settlement amount, charge amount).

Here, in the management apparatus for house-type electronic money according to the present invention, the storage unit further stores product/service information relating to products/services handled at the store and price information relating to the prices of the products/services. The electronic money management device may further include an accounting processing unit that accepts input of product/service information and price information and performs accounting processing.

In the present invention, the store terminal is provided with a house-type electronic money terminal function and a register function, and product/service information and price information can be input through the store terminal. Since the house-type electronic money management device according to the present invention can perform settlement processing and accounting processing, house-type electronic money management and accounting management can be performed together, and the workload of the administrator can be reduced. can. In addition, by providing the store terminal with a house-type electronic money terminal function and a cash register function, it is possible to reduce the economic burden compared to the case where separate terminals are introduced.

Further, in the house-type electronic money management device according to the present invention, the storage unit further stores the notification information of the store in association with the group identification information, and the house-type electronic money management device, when settlement processing is performed, The notification information of the store associated with the group identification information of the store where the payment processing was performed may be checked, and if there is the notification information of the store, it may be output.

By outputting the notification information of the group store, it is possible to increase the frequency of visiting the group store and to realize the activation of the group store.

Here, the present invention can also be specified as a management method for house-type electronic money. For example, the present invention is a house-type electronic money management method for managing house-type electronic money. , charge information managed for each store and related to charging cash, bonus privilege information related to bonus benefits that are managed for each store and granted by charging cash, and house-type electronic money that is granted by using A card having a storage unit for storing usage point information relating to usage points that can be shared by group stores consisting of a plurality of predetermined stores and group store identification information for identifying the group stores; Based on the identification information and the shop identification information, an authentication step for authenticating the house-type electronic money, and if the house-type electronic money is authenticated, a shop is designated to charge the house-type electronic money with cash. Recharge is accepted, bonus benefits are given according to the charged amount, and the charge information and bonus benefit information and the specified store are used so that the charged cash and bonus benefits can be used only at the specified store a charge processing step for processing in association with the shop identification information, and if the house-type electronic money is authenticated, the input of the settlement amount is accepted, the charge information, the bonus benefit information, and the usage point information are output, and the charge is performed. Use point information and use point information so that use points can be shared among group stores. , and a settlement processing step of processing in association with group identification information.

The present invention can also be specified as a house-type electronic money management system. For example, the present invention includes house-type electronic money, a store terminal installed in a store that introduces house-type electronic money, and house-type electronic money that is connected to the store terminal via a network and manages house-type electronic money. A house-type electronic money management system comprising: a management device, wherein the house-type electronic money management device includes card identification information for house-type electronic money, store identification information for a store that introduces house-type electronic money, Recharge information managed for each store and related to charging cash, Bonus benefit information related to bonus benefits granted by charging cash managed for each store, and usage granted by using house-type electronic money a storage unit for storing usage point information relating to usage points which are points and can be shared by a predetermined group store consisting of a plurality of stores, and group store identification information for identifying the group store; card identification information; , store identification information, and an authentication unit that authenticates the house-type electronic money, and if the house-type electronic money is authenticated, a store for charging the house-type electronic money with cash is designated and the cash charge is accepted. and give bonus benefits according to the charged amount, and charge information, bonus privilege information, and store identification of the specified store so that the charged cash and bonus benefits can be used only at the specified store a charge processing unit for processing in association with information; and when house-type electronic money is authenticated, accepts input of a settlement amount, outputs charge information, bonus privilege information, and use point information, and charges charged cash. , bonus benefits, or use points, whichever is used for payment is accepted and settled, use points are given according to the content of use, and use point information and group identification are provided so that use points can be shared among group stores. A house-type electronic money management system having a settlement processing unit that processes information in association with the information.

In addition, the store terminal further receives input of product/service information and price information, and the house-type electronic money management device performs accounting processing based on the product/service information and price information received via the store terminal. It may further have an accounting processing unit.

Further, the house-type electronic money management system further includes a user terminal of the user, and the storage unit of the house-type electronic money management device further stores store announcement information in association with group identification information, When the payment processing is performed, the electronic money management device confirms the notification information of the store associated with the group identification information of the store where the payment processing was performed. The notification information of the store may be output through at least one of the terminals.

In addition to the above, the present invention may also be specified as a program executed by a house-type electronic money management apparatus (computer). Also, the present invention may be specified as a recording medium on which such a program is recorded.

According to the present invention, it is possible to provide a new technology related to house-type electronic money that can be used at a plurality of shops and that can increase the frequency of visits by users at shops that have introduced house-type electronic money.

FIG. 1 shows an overview of a house-type electronic money management system according to the first embodiment. FIG. 2 shows a functional block diagram of the mobile terminal according to the first embodiment. FIG. 3 shows a functional block diagram of the store terminal according to the first embodiment. FIG. 4 shows a functional block diagram of a management server according to the first embodiment. FIG. 5 shows an example of a card information table stored in the storage unit of the management server according to the first embodiment. FIG. 6 shows an example of a card balance management table stored in the storage unit of the management server according to the first embodiment. FIG. 7 shows an example of a store management table stored in the storage unit of the management server according to the first embodiment. FIG. 8 shows an example of a group store management table stored in the storage unit of the management server according to the first embodiment. FIG. 9 shows an example of a group store management table (participation/withdrawal) stored in the storage unit of the management server according to the first embodiment. FIG. 10 shows an example of a usage point balance management table stored in the storage unit of the management server according to the first embodiment. FIG. 11 shows a flowchart of charge processing (store terminal) according to the first embodiment. FIG. 12 shows an example of a login screen displayed on the store terminal according to the first embodiment. FIG. 13 shows an example of a menu screen displayed on the store terminal according to the first embodiment. FIG. 14 shows an example of a barcode reading screen displayed on the store terminal according to the first embodiment. FIG. 15 shows an example of a balance inquiry screen displayed on the store terminal according to the first embodiment. FIG. 16 shows an example of a charge screen (input) displayed on the store terminal according to the first embodiment. FIG. 17 shows an example of a charge screen (result) displayed on the shop terminal according to the first embodiment. FIG. 18 shows a flowchart of charge processing (portable terminal) according to the first embodiment. FIG. 19 shows an example of a login screen displayed on the store terminal according to the first embodiment. FIG. 20 shows an example of a menu screen displayed on the store terminal according to the first embodiment. FIG. 21 shows an example of a mobile card issuance screen displayed on the mobile terminal according to the first embodiment. FIG. 22 shows an example of a balance inquiry screen displayed on the mobile terminal according to the first embodiment. FIG. 23 shows an example of a charge screen displayed on the mobile terminal according to the first embodiment. FIG. 24 shows a flowchart of payment processing (store terminal) according to the first embodiment. FIG. 25 shows an example of a payment screen (input) displayed on the store terminal according to the first embodiment. FIG. 26 shows an example of a payment screen (result) displayed at the end of the store according to the first embodiment. FIG. 27 shows a flowchart of accounting processing and settlement processing (store terminal) according to the second embodiment. FIG. 28 shows an example of a menu screen displayed on the store terminal according to the second embodiment. FIG. 29 shows an example of a checkout input screen displayed on the store terminal according to the second embodiment.

Next, embodiments of the present invention will be described based on the drawings. In the embodiment, house-type electronic money, a user's mobile terminal, a store terminal installed in a store, and a house-type electronic money management server (hereinafter referred to as A house-type electronic money management system (hereinafter also simply referred to as a management system) provided with a management server) will be described. The following description is an example, and the present invention is not limited to the following contents.

<First embodiment>
<Overview of house-type electronic money management system>
FIG. 1 shows an overview of a house-type electronic money management system according to the first embodiment. A house-type electronic money management system 100 according to the first embodiment includes a house-type electronic money 1 , a portable terminal 2 , a store terminal 3 , and a management server 4 . The mobile terminal 2, the store terminal 3, and the management server 4 are connected via a network. The network is exemplified by the Internet using a telephone line network, but any network may be used as long as it can electrically connect the mobile terminal 2, the store terminal 3, and the management server 4 and enable communication. The mode is not particularly limited. Although FIG. 1 shows one house-type electronic money 1 as a physical card, one mobile terminal 2, and three store terminals 3, the number of these is not limited.

<house type electronic money>
House-type electronic money 1 according to the first embodiment includes a physical card and a mobile card. House-type electronic money 1 as a physical card is one of prepaid payment means, and is constructed by magnetically writing a card ID (an example of identification information of the present invention) on a plastic card. House-type electronic money 1 as a mobile card is configured by installing an application that causes the portable terminal 2 to function as house-type electronic money in a mobile terminal 2 made up of a smartphone. Taking house-type electronic money 1 as a physical card as an example, the house-type electronic money 1 has a bar code associated with a card ID attached to the back surface thereof. A two-dimensional code may be used instead of the bar code. The house type electronic money 1 can be read by the card reader 5 of the store terminal 3 . The house-type electronic money 1 may be read by a bar code reader or a camera of a store terminal. The card ID may be written either magnetically or in a bar code, or may be written in a bar code. House-type electronic money balance (charge balance (an example of charge information of the present invention), bonus privilege balance (an example of bonus privilege information of the present invention), usage point balance (an example of usage point information of the present invention)), and others (card ID, store ID (an example of the store identification information of the present invention), group ID (an example of the group store identification information of the present invention)) are managed by the management server 4 of the house-type electronic money 1, It is distinguished from IC chip-equipped electronic money in which an IC (INTEGRATED CIRCUIT) chip in which the balance and the like are written is installed.

<mobile terminal>
The portable terminal 2 is installed with an application that allows the portable terminal 2 to function as house-type electronic money, as well as an application for realizing various functions such as checking the balance of the house-type electronic money 1, charging, and checking the usage history. It is The mobile terminal 2 is exemplified by a smart phone (for example, an Android mobile phone (Android: registered trademark) or an iPhone (registered trademark)). FIG. 2 shows a functional block diagram of the mobile terminal 2 according to the first embodiment. The mobile terminal 2 includes a processing unit 21 , an operation unit 22 , a display unit 23 , a camera 24 , a communication unit 25 , a positional information acquisition unit (GPS) 26 , an orientation sensor 27 and a storage unit 28 .

The processing unit 21 of the mobile terminal controls the mobile terminal 2 based on information from the management server 4 and user's operation instructions. The processing unit 21 of the mobile terminal includes a CPU 211 of the mobile terminal and a memory 212 of the mobile terminal. The CPU 211 of the mobile terminal controls each hardware of the mobile terminal 2, and according to the control program recorded in the memory 212 of the mobile terminal, makes the mobile terminal 2 function as a mobile card in addition to functioning as a mobile phone. In addition, it functions as a portable terminal having various functions such as confirmation of the balance of house-type electronic money 1, charging, confirmation of usage history, and the like. It should be noted that functional units corresponding to the respective functions of the mobile terminal 2 may be provided. In other words, each functional unit can be configured as a computer program executed on the CPU 211 of the mobile terminal, each functional unit can be configured as a dedicated processor, or can be configured as a single processor. You may The memory 212 of the portable terminal is a memory (storage medium) for storing various data and control programs, and is configured by a rewritable flash memory or the like. Each functional unit is exemplified by a house-type electronic money processing unit that realizes functions such as confirmation of the balance of the mobile card and house-type electronic money 1, charge, confirmation of usage history, and the like.

The operation unit 22 of the mobile terminal receives instructions from the user. The operation unit 22 of the mobile terminal is composed of, for example, a touch panel, push buttons, and the like. The operation unit 22 of the mobile terminal of this embodiment is configured by a touch panel. Signals corresponding to various operations are input to the processing unit 21 of the mobile terminal.

The display unit 23 of the mobile terminal displays an image based on the signal from the processing unit 21 of the mobile terminal. The display unit 23 of the mobile terminal is composed of, for example, a liquid crystal display, an organic EL display, or the like. The display unit 23 of the mobile terminal of this embodiment is configured by a touch panel.

The camera 24 of the mobile terminal takes pictures of the real space and reads barcodes. The camera 24 of the mobile terminal consists of a module for capturing digital images, having an optical system and an image receiving element. The acquired digital image is displayed on the display unit 23 of the mobile terminal. By reading the bar code attached to the house-type electronic money 1, access to the management server 4 becomes possible, and the balance, usage history, etc. of the house-type electronic money can be checked via the display unit 23 of the portable terminal. becomes possible.

The communication unit 25 of the mobile terminal is connected to the network and performs communication with the management server 4 and the like.

The position information acquisition unit 26 detects the position of the mobile terminal based on GPS signals from one or more GPS (Global Positioning System) satellites. Location information about the detected location is input to the processing unit 21 of the mobile terminal. As a result, the processing unit 21 of the mobile terminal can grasp the position of the mobile terminal 2 . Note that the location information acquisition unit 26 may detect the location of the mobile terminal 2 based on, for example, signals from one or more wireless communication base stations. An existing technique can be appropriately used to acquire the position information.

The orientation sensor 27 of the mobile terminal detects the direction (horizontal direction) and angle (vertical direction) of the mobile terminal 2 . A signal corresponding to the detected direction/angle is input to the control unit 21 of the mobile terminal. As a result, the processing unit 21 of the mobile terminal can grasp the direction and angle of the mobile terminal 2 .

The storage unit 28 of the mobile terminal stores various information. The storage unit 28 of the mobile terminal can be configured by, for example, a semiconductor element memory.

<Store terminal>
The store terminal 3 is installed with a store terminal application for realizing each function of authenticating the house-type electronic money 1, checking the balance, charging, settlement, and issuing a receipt and a receipt. The store terminal 3 is exemplified by a smart phone (for example, an Android mobile phone (Android: registered trademark) or an iPhone (registered trademark)), a tablet terminal, a personal computer, or the like. At store A, a card reader 5 and a receipt printer 6 are connected to a store terminal 3 made up of a smartphone. At store B, a card reader 5 is connected to a store terminal 3 consisting of a notebook computer. At store C, a card reader 5 is connected to a store terminal consisting of a tablet terminal.

FIG. 3 shows a functional block diagram of the store terminal 3 according to the first embodiment. The store terminal 3 includes a processing unit 31 , an operation unit 32 , a display unit 33 , a camera 34 , a communication unit 35 and a storage unit 36 . An external card reader 5 and an external receipt printer 6 are also connected to the store terminal 3 .

The processing unit 31 of the store terminal controls the store terminal 3 based on information from the management server 4 and user's operation instructions. The processing unit 31 of the shop terminal includes a CPU 311 of the shop terminal and a memory 312 of the shop terminal. The CPU 311 of the shop terminal controls each hardware of the shop terminal 3, and performs authentication, balance confirmation, charge, settlement, deposit receipt, etc. of the house-type electronic money 1 according to the control program recorded in the memory 312 of the shop terminal. It functions as a store terminal having each function for issuing a receipt. It should be noted that functional units corresponding to the respective functions of the store terminal 3 may be provided. In other words, each functional unit can be configured as a computer program executed on the CPU 311 of the shop terminal, each functional unit can be configured as a dedicated processor, or can be configured as a single processor. You may The memory 312 of the store terminal is a memory (storage medium) for storing various data and control programs, and is configured by a rewritable flash memory or the like. Each function unit is exemplified by a house-type electronic money processing unit that realizes each function for authenticating the house-type electronic money 1, checking the balance, charging, settlement, and issuing a receipt and a receipt.

The operation unit 32 of the shop terminal receives instructions from the user. The operation unit 32 of the store terminal is configured by, for example, a touch panel, push buttons, keyboard, mouse, and the like. Signals corresponding to various operations are input to the processing unit 31 of the store terminal.

The display unit 33 of the store terminal displays an image based on the signal from the processing unit 31 of the store terminal. The display unit 33 of the store terminal is composed of, for example, a liquid crystal display, an organic EL display, or the like.

The camera 24 of the shop terminal takes pictures of the real space and reads barcodes. The store terminal's camera 34 is composed of a module for acquiring a digital image, having an optical system and an image receiving element. The acquired digital image is displayed on the display unit 23 of the mobile terminal. The camera 34 of the store terminal may be a built-in camera or an external camera. For example, by reading a bar code attached to house-type electronic money 1, access to management server 4 becomes possible.

The communication unit 35 of the store terminal is connected to the network and performs communication with the management server 4 and the like.

The storage unit 36 of the shop terminal stores various information. The storage unit 36 of the store terminal can be configured by, for example, a semiconductor element memory.

A card reader 5 is externally attached to the store terminal 3 and reads a card ID magnetically written on the house-type electronic money 1 as a physical card. Also, the card reader 5 reads a bar code printed on the house type electronic money 1 as a physical card. Also, the card reader 5 reads the two-dimensional code displayed on the mobile terminal 2 when the mobile terminal 2 functions as a mobile card.

The receipt printer 6 is externally attached to the store terminal 3, and prints the balance of in-house electronic money (charge balance), bonus benefit balance, use point balance, receipt, receipt, and the like.

<Management server>
The management server 4 manages the house-type electronic money 1 . FIG. 4 shows a functional block diagram of the management server 4 according to the first embodiment. The management server 4 includes a processing unit 41 , an operation unit 42 , a display unit 43 , a communication unit 44 and a storage unit 45 , and the processing unit 41 has a CPU 411 and a memory 412 .

The operation unit 42 of the management server includes, for example, a keyboard, pointing device, touch panel, operation buttons, and the like. The display unit 43 of the management server includes, for example, a liquid crystal display device, a plasma display panel, a CRT (Cathode Ray Tube), an electroluminescence panel, and the like. The communication unit 44 of the management server is exemplified by, for example, a communication module (for example, a network card) that realizes connection to the network.

The processing unit 41 of the management server includes a CPU (Central Processing Unit) 411 and a memory 412 . The CPU 411 of the management server controls each piece of hardware of the management server 4, and according to the control program stored in the management server 4, the functional units such as the authentication unit, the charge processing unit, and the payment processing unit function. The functional unit can be configured as a computer program executed on the CPU 411 of the management server. Also, these functional units may be configured as dedicated processors.

The authentication unit authenticates house-type electronic money based on the store ID and the card ID. When house-type electronic money is authenticated, the charge processing unit designates a store that uses house-type electronic money, accepts cash charge, gives a bonus benefit according to the charged amount, and collects the charged cash. And the charged cash, the bonus privilege, and the specified store ID are associated with each other so that the bonus privilege can be used only at the specified store. When the house-type electronic money is authenticated, the settlement processing unit accepts input of the settlement amount, outputs the charged cash, the bonus privilege, and the usage points, and outputs the charged cash, the bonus privilege, and the usage point. Points are accepted and settled according to the content of use, and points are given according to the content of use. It is processed in association with the group ID to be identified. Details will be described later.

The storage unit 45 of the management server is processed by the authentication unit, charge processing unit, and settlement processing unit, and stores card IDs, group IDs, store IDs, charge balances, bonus privilege balances, use point balances, and the like. The management server 4 can be composed of a semiconductor element memory such as a hard disk drive (HDD: HARD DISK DRIVE) or a solid state drive (SDD: SOLID STATE DRIVE).

Here, the database stored in the storage unit 45 of the management server will be described. A database consists of multiple tables. Note that the database may be composed of one table by aggregating data. FIG. 5 shows an example of a card information table stored in the storage unit 45 of the management server according to the first embodiment. Also, FIG. 6 shows an example of a card balance management table stored in the storage unit 45 of the management server according to the first embodiment. FIG. 7 shows an example of a store management table stored in the storage unit of the management server according to the first embodiment. FIG. 8 shows an example of a group store management table stored in the storage unit 45 of the management server according to the first embodiment. FIG. 9 shows an example of a group store management table (participation/withdrawal) stored in the storage unit 45 of the management server according to the first embodiment. FIG. 10 shows an example of a usage point balance management table stored in the storage unit 45 of the management server according to the first embodiment. The card information table is a table for managing basic information of house-type electronic money. Items of "date of addition" and "date of deletion" are provided, and information corresponding to each item is stored. The card balance management table is a table for managing the balance of house-type electronic money, and includes "number", "card ID", "capital ID", "charge balance", "bonus privilege balance", and "use point balance". , 'date of last use', and 'date of addition' are provided, and information corresponding to each item is stored. The store management table is a table for managing store information and the redemption rate of bonus benefits of house-type electronic money. Management authority", "maximum charge amount", "store name", "owner name", "location", "telephone number", "business hours", "store HP", "comment", "bonus type", "bonus Boundary", "Bonus return rate", "Point type at time of deposit", "Point boundary at time of deposit", "Point return rate at time of deposit", "Point type at time of payment", "Point boundary at time of payment", "Point redemption at time of payment" "Rate", "Access Key", "Updated Date", and "Added Date" are provided, and information corresponding to each item is stored. The group store management table is a table for managing group stores, and includes "group ID (tie-up ID)", "group name", "expiration date type", "expiration date (month)", and "payment point type". , "Deposit point boundary", "Deposit point redemption rate", "Payment point type", "Payment point boundary", "Payment point redemption rate", and "Additional date". information corresponding to is stored. The group store management table (participation/withdrawal) is a table for managing dates of participation and withdrawal from group stores. , “end date”, and “addition date” are provided, and information corresponding to each item is stored. The balance management table of usage points is a table for managing the balance of usage points, and includes "number", "card number", "group ID (tie-up ID)", "point balance", "update date", "addition An item "day" is provided, and information corresponding to each item is stored.

The “card ID” is also called a card number and is an example of card identification information, and is unique identification information assigned to house-type electronic money. A "barcode" is a one-dimensional code assigned to each card that is a randomly generated 12-digit unique number concatenated with a check digit. "PIN number" is a randomly generated six-digit number. A user ID is unique identification information assigned to each user. The "store ID" is also called an issuing store ID, is an example of the store identification information of the present invention, and is unique identification information assigned to each store. “Date of addition” is information related to the date on which house-type electronic money was issued. "Deletion date" is information about the date when house-type electronic money was deleted. "Number" is a number assigned to identify the table. "Capital ID" is unique identification information assigned to identify stores of the same capital. The "charge balance" is an example of the charge information of the present invention, and is balance information related to the amount of charged cash, which is managed for each store where the charge was made. The "bonus privilege balance" is also referred to as a bonus balance and is an example of the bonus privilege information of the present invention, and is balance information relating to bonus privileges granted by charging cash, which is managed for each store where the card is charged. A bonus benefit is given according to the charged amount (for example, 5% of the charged amount). The "use point balance", also referred to as point balance, is an example of use point information of the present invention, and is managed for each group store so that it can be shared by group stores, and is given by using house-type electronic money. This is balance information about points. Usage points are given according to the settlement amount (for example, 1 point per 100 yen). The "date of last use" is information regarding the date when house-type electronic money was last used.

"Password" is the management password of the store. "IP address" is used when restricting access to member management by IP. "Member management authority" is the authority to access a member management screen (not shown) for managing member information. The "maximum charge amount" is the maximum amount of cash that can be charged, and is set to 50,000 yen by default, for example. “Store name” is information related to the name of the store. "Owner name" is information about the owner of the store. "Location" is information about the location of the store for users. "Telephone number" is information related to the telephone number of the store. "Business hours" is information about the business hours of the store. "Store HP" is information about the home page of the store. "Comment" is a comment from the store. "Bonus type" is information about the type for distinguishing the return rate (rate) of the bonus benefit, and is set in plural. "Bonus boundary" is a condition for applying a specific bonus type, and when the deposit amount is equal to or greater than the boundary value, the specific bonus type is applied. The “bonus return rate” is the return rate (rate) of bonus benefits. A plurality of bonus benefits are set according to the deposit amount. The "point type at the time of payment" is information on the type for distinguishing the return rate (rate) of the points used at the time of payment among the points used, and a plurality of items are set. The "deposit point boundary" is a condition for applying a specific deposit point type, and when the deposit amount is equal to or greater than the threshold value, the specific deposit point type is applied. The “payment point return rate” is the return rate (rate) of the used points given at the time of payment. A plurality of usage points given at the time of deposit are set according to the amount of deposit. The "payment point type" is information related to the type of use points for distinguishing the return rate (rate) of the use points to be given at the time of payment, and a plurality of "payment point types" are set. The "payment point boundary" is a condition for applying a specific payment point type, and when the payment amount is equal to or greater than the boundary value, the specific payment point type is applied. The “payment point return rate” is the return rate (rate) of the used points given at the time of payment. A plurality of usage points are set according to the payment amount. The “access key” is a key for linking with store information when accessing the management server 4 from the store terminal 3 . “Updated date” is information related to the updated date of data (records) in the database. "Added date" is information about the added date of the record. A "group ID" is also called a tie-up ID, and is group identification information according to the present invention, and is unique identification information assigned to a plurality of stores (group stores) that can share usage points. A "group name" is unique identification information assigned to identify a group. “Validity period type” is information for identifying the set expiration date. "Expiration date" is information about the expiration date of the usage points. The "start date" is the tie-up start date, in other words, the start date of the group store. The "end date" is the end date of the tie-up, in other words, the end date of the group store.

Although not shown, the database contains the user's "name", "e-mail address", "date of birth", "sex", "password", house-type electronic Information such as "date and time of use", "charge amount", "bonus benefit", "settlement amount", and "use points" can be stored as the history of money use.

<Action>
Next, operations of the management system 100 according to the first embodiment will be described with reference to the drawings. In the management system 100, charge processing and settlement processing are performed. Charge processing can be performed by either the store terminal 3 or the mobile terminal 2 . Also, charging processing and payment processing are realized by synchronizing the store terminal 3, the portable terminal 2, and the management server 4, which are connected via a network. House type electronic money 1 is issued as a membership card for each store, for example. Also, the house-type electronic money 1 can be issued as a coupon for each store. The house-type electronic money 1 can also be issued as a gift.

<Data management>
House-type electronic money management information (card ID, user ID, store ID, group ID, capital ID, user name, user email address, etc.) stored in the database stored in the storage unit 45 of the management server ) can be input, deleted, and edited via the store terminal 3 . Specifically, the store terminal 3 is installed with an application (hereinafter also referred to as management software) for inputting, deleting, and editing management information for house-type electronic money. When the management software is activated, a menu screen is displayed on the display unit 33 of the store terminal (not shown). The management software menu includes data aggregation, data migration, capital group/store addition/various advertisement settings, point group creation, limited period settings, card number issuance, and so on. In data aggregation, for example, after specifying the capital group (capital ID) or group store (group store ID), data aggregation (total amount of charge deposit, total amount of bonus granted , total point grant, total charge payment, total bonus payment, total coupon payment, total point payment, number of points granted, number of point payments, number of transactions). In data migration, for example, aggregated data can be output as CSV. Capital group/store addition/various advertisement setting allows creation of capital group, addition of store, setting of advertisement, setting of background image, setting of web image, and the like. In relation to point group creation, it is possible to create point groups and participate in point groups. In the limited-time setting, it is possible to issue a coupon, set a return rate for bonus benefits, and set a return rate for points. In card number issuance, card numbers can be issued. The above is just an example, and the information that can be input, deleted, and edited by the management software is not limited to the above.

<Charge processing (store terminal)>
First, the case of charging with the store terminal 3 will be described. FIG. 11 shows a flowchart of charge processing (store terminal) according to the first embodiment. At step 01, the store terminal 3 is activated. Here, FIG. 12 shows an example of the login screen displayed on the store terminal. FIG. 13 shows an example of a menu screen displayed on the store terminal. The login screen of the store terminal displays a login ID, a password entry field, and a login button. When the login ID and password are entered and the login button is selected, the menu screen is displayed. The menu screen displays balance inquiry, charge, card use, VOID, and daily report output as menus. Balance Inquiry transitions to a balance inquiry screen for inquiring the balance. Charge transitions to a charge screen for charging cash. When using a card, the screen changes to the card use screen (payment screen) for payment. VOID transitions to a VOID screen for canceling the payment. The daily report output transitions to a daily report output screen for outputting the daily report. By selecting one of the menus, a transition is made to each screen.

After card use is selected, the store terminal 3 reads the house-type electronic money 1 in step 02 . Specifically, after the card use screen is displayed, the card ID assigned to the house-type electronic money 1 as a physical card is read by the card reader 5 of the store terminal 3 . The bar code displayed on the screen of the house-type electronic money 1 as a mobile card may be read by the card reader 5 of the store terminal 3 . A two-dimensional code may be read in place of the barcode. Here, FIG. 14 shows an example of a barcode reading screen displayed on the store terminal. On the bar code reading screen, the message "Please hold the bar code up" and the corresponding illustration are displayed. The read card ID is sent to the management server 4 together with the shop ID. The management server 4 accesses the storage unit 45 of the management server and checks the card ID and store ID. If the card ID and the store ID match, go to step 03 . On the other hand, when the card ID and the shop ID do not match, the management server 4 sends an error message to the shop terminal 3, and the error message is displayed on the display section 33 of the shop terminal. After reading the house-type electronic money 1, the input of a password may be accepted as an authentication step. Also, in the authentication step, biometric authentication may be used instead of inputting a password.

In step 03, the balance of house-type electronic money is displayed on the display unit 33 of the store terminal. Specifically, when the card ID and the shop ID match, the management server 4 sends to the shop terminal 3 the charge balance, bonus privilege balance, and use point balance associated with the card ID and the shop ID. The store terminal 3 causes the display unit 33 of the store terminal to display a balance inquiry screen based on the charge balance, bonus privilege balance, and use point balance sent from the management server 4 . FIG. 15 shows an example of a balance inquiry screen. The balance inquiry screen displays the message "Thank you for using", the charge balance, and the used point balance (point balance). Note that, in the present embodiment, the bonus privilege balance is added to the charge balance and displayed. The bonus privilege balance may be displayed separately from the charge balance. When the balance of house-type electronic money is displayed, the process proceeds to step 04 .

In step 04 a charge is selected. Specifically, "charge" is selected from the menu displayed on the menu screen (see FIG. 13). In addition, for example, a menu may be displayed at the bottom of the balance inquiry screen so that the user can transition from the balance inquiry screen to each screen such as "Charge". If charge is selected, go to step 05 .

At step 05, the charge amount is input. Specifically, the store terminal 3 causes the display unit 33 of the store terminal to display, for example, a charge screen for accepting input of the charge amount as shown in FIG. 16 . On the charge screen (input) of FIG. 16, there are messages of "STEP 1 Please enter the amount to be charged" and "STEP 2 Please enter the points to be charged", display columns for the charge amount and charge points, and " Numerical numeric keypad”, “Back”, “Rerun”, and “Enter” buttons are displayed. The charging screen (result) of FIG. 17 includes messages such as "Thank you for using the service" and "Charging is completed." , charge balance, and point balance are displayed. Additional points are an example of usage points, and can be given separately from bonus benefits according to the charge amount. In addition, the customer copy print is displayed, and the balance can be printed via the receipt printer 6 when the customer copy print is selected. On the charge screen (input) of FIG. 16, when the charge amount is input via the operation unit 32 of the store terminal and "Enter" is selected, the process proceeds to step 06. FIG. The charge amount can be arbitrarily input in units of 1,000 yen. Items such as "1,000 yen", "2,000 yen", "3,000 yen", "5,000 yen", and "10,000 yen" may be displayed on the screen so that the charge amount can be selected. Also, the charging amount may be set so that an arbitrary amount can be input instead of the unit of 1,000 yen.

At step 06, charging is completed. Specifically, when the charge amount is input at the store terminal 3 and “Enter” is selected, the charge amount is sent to the management server 4 . Based on the charge amount sent from the store terminal 3, the management server 4 calculates the charge balance by adding the charge amount to the charge balance before charging. In addition, the management server 4 calculates a bonus benefit based on the charge amount, and adds the calculated bonus benefit to the charge balance to calculate the charge balance. The calculated charge balance (including bonus benefits) is recorded in the management database in association with the shop ID so that it can be used only at the shop where the charge was made. As the usage history, the charge amount, bonus benefit, usage date and time, etc. are also recorded in the storage unit 45 of the management server. When charging is completed, the process proceeds to step 07.

In step 07, the balance of house-type electronic money after charging is displayed on the display unit 33 of the shop terminal. Specifically, the management server 4 sends to the shop terminal 3 the charge balance, the bonus privilege balance, and the use point balance after charging, which are associated with the card ID and the shop ID. The store terminal 3 causes the display unit 33 of the store terminal to display a balance inquiry screen based on the charge balance, bonus privilege balance, and use point balance sent from the management server 4 (see FIG. 17). When the balance of house-type electronic money after charging is displayed, the process proceeds to step 08 .

In step 08, the shop terminal 3 issues a receipt (customer copy). Specifically, the store terminal 3 outputs a deposit receipt in which the date and time of charge completion, store name, charge amount, and balance (charge balance, bonus benefit balance, and usage point balance) are recorded to an externally attached receipt printer. do. A printer may be used instead of the receipt printer 6 . With the above, the charging process (store terminal) is completed.

<Charging process (mobile terminal)>
Next, the case of charging with the mobile terminal 2 will be described. FIG. 18 shows a flowchart of charge processing (portable terminal) according to the first embodiment. In step 11, a portable terminal application (application) is activated for realizing each function of checking the balance of house-type electronic money 1, charging, checking the usage history, and the like. Here, FIG. 19 shows an example of the login screen displayed on the store terminal. The login screen of the store terminal displays an e-mail address as a login ID, an input field for a password, and a login button. In step 12, the portable terminal 2 authenticates the user. Specifically, an e-mail address as a card ID and a password are input via the operation unit of the mobile terminal 2 . The entered card ID and password are sent to the management server 4 . The management server 4 accesses the database and checks the card ID and password. If the card ID and password match, go to step 13. On the other hand, if the card ID and password do not match, the management server 4 sends an error message to the mobile terminal 2, and the error message is displayed on the display unit 23 of the mobile terminal. Note that the camera 24 of the portable terminal may be used to read the bar code of the house-type electronic money 1 and the input of the card ID may be omitted. Further, user authentication may be performed by providing the mobile terminal 2 with a biometric authentication function. When the user authentication is completed, the process proceeds to step 13.

In step 13, the house type electronic money 1 to be charged is specified. Specifically, when an e-mail address and a password are entered as a login ID and a login button is selected, a menu screen is displayed. FIG. 20 shows an example of a menu screen displayed on the store terminal. On the menu screen, the following menus are displayed: "Issue mobile card from store name", "Issue mobile card from existing card", "Card integration", "List of issued cards", "Help", and "Logout". be. By selecting one of the menus, a transition is made to each screen. When charging, the house-type electronic money 1 to be charged is specified from the "issued card list". When the house-type electronic money 1 to be charged is specified, the process proceeds to step 14 .

Here, the menus displayed on the menu screen will be described. On the screens of "mobile card issuance from store name" and "mobile card issuance from existing card" screens, house type electronic money 1 can be issued as a mobile card by inputting necessary items. When the "store name to mobile card issuance screen" is selected, the mobile terminal 2 displays a store search screen on the display unit 23 of the mobile terminal, and accepts designation of the store issuing house-type electronic money 1. - 特許庁An input field for a search keyword and a search button are displayed on the store search screen. When a search keyword is entered and a search button is selected, a list of stores is displayed. When the store to issue house-type electronic money 1 is specified from the displayed stores, a mobile card issue screen is displayed. FIG. 21 shows an example of a mobile card issue screen displayed on the mobile terminal. On the mobile card issuance screen, a "mobile card issuance" button, an image of the store (if there is an image), the address of the store, and a button for jumping to the store's home page are displayed. When the "Issue Mobile Card" button is selected, house-type electronic money 1 is issued as a mobile card. Specifically, when "mobile card issue" is selected, a "mobile card issue" signal is sent to the management server 4. FIG. The management server 4 accesses the database, issues a card ID, records it in the database, and sends the issued card ID to the mobile terminal 2 .

In addition, the menu screen "Issue a mobile card from your existing card" is mainly used when a mobile card is issued when the user already has house-type electronic money 1 as a physical card. On the screen of "Issue a mobile card from your existing card", by entering the card ID and PIN number and selecting the registration button, house-type electronic money 1 as a mobile card is issued. On the "card integration" screen, for example, when a lost mobile card is found, two cards can be integrated by entering the information of the two cards. On the "issued card list" screen, by selecting an issued card, it becomes possible to inquire about the balance of the house-type electronic money 1 as the selected mobile card. On the "Help" screen, you can check information such as operation methods and Q&A. On the "logout" screen, the login state can be canceled.

In step 14, the balance of house-type electronic money is displayed on the display unit 23 of the portable terminal. Specifically, the management server 4 sends to the portable terminal 2 the charge balance, the bonus benefit balance, and the use point balance associated with the card ID and the store ID. The mobile terminal 2 causes the display unit 23 of the mobile terminal to display a balance inquiry screen based on the charge balance, bonus privilege balance, and usage point balance sent from the management server 4 . FIG. 22 shows an example of a balance inquiry screen displayed on the mobile terminal 2. As shown in FIG. The balance inquiry screen displayed on the mobile terminal 2 includes "barcode", "charge balance", "bonus privilege balance", "coupon", "use point balance", "store name", "store information", etc. is displayed. At the bottom of the balance inquiry screen, "charge", "usage history", and "registration information" are displayed so that selection of functions can be accepted. "Charge" is the charging of house-type electronic money with a credit card or the like, "usage history" is the usage history of house-type electronic money, and "registration information" is user registration information. When the balance of house-type electronic money is displayed, the process proceeds to step 15 .

In step 15 a charge is selected. Specifically, "charge" is selected from among "charge", "usage history", and "registration information" displayed at the bottom of the balance inquiry screen. For example, at the bottom of the balance inquiry screen, "return" for returning to the previous page or "select function" for transitioning to a screen for accepting selection of functions may be displayed. When "function selection" is selected, a transition to a function selection screen displaying "charging", "usage history", and "registration information" may be made, and function selection may be accepted on the function selection screen. If Charge is selected, go to step 16 .

At step 16, the charge amount is entered. Specifically, the mobile terminal 2 causes the display unit 23 of the mobile terminal to display a charge screen for accepting input of the charge amount, as shown in FIG. 23, for example. The charging screen displayed on the mobile terminal 2 displays a charging amount input column, a payment method selection column, and "OK". When the method (credit card, electronic money, etc.) is selected and "OK" is selected, the process proceeds to step 17. The charge amount can be set arbitrarily in units of 1,000 yen, as with the store terminal 3 . Items such as "1,000 yen", "2,000 yen", "3,000 yen", "5,000 yen", and "10,000 yen" may be displayed on the screen so that the charge amount can be selected. Also, the charging amount may be set so that an arbitrary amount can be input instead of the unit of 1,000 yen. In addition, credit card and electronic money are provided in the payment method selection column, and although illustration is omitted after selection, it is possible to accept the input of the card number and the personal identification number.

In step 17 charging is completed. Specifically, when the charge amount is input, the payment method is selected, and "OK" is selected, the charge amount is sent to the management server 4 on the mobile terminal 2 . Note that settlement processing by credit card and electronic money is performed separately, and the charge amount is sent to the management server 4 when the settlement processing is completed successfully. If the settlement process is not completed, an error message is displayed on the mobile terminal 2 . Based on the charge amount sent from the portable terminal 2, the management server 4 calculates the charge balance by adding the charge amount to the charge balance before charging. In addition, the management server 4 calculates the bonus privilege based on the charged amount, and adds the calculated bonus privilege to the bonus privilege before charging to calculate the bonus privilege balance. The calculated charge balance and bonus privilege balance are recorded in the database in association with the store ID so that they can be used only at the store where the charge was made. As the usage history, the charge amount, bonus benefit, date and time of usage, etc. are also recorded in the management database. When charging is complete, go to step 18.

In step 18, the balance of house-type electronic money after charging is displayed on the display unit 23 of the portable terminal. Specifically, the management server 4 sends to the portable terminal 2 the charge balance, the bonus benefit balance, and the use point balance after charging, which are associated with the card ID and the store ID. The mobile terminal 2 causes the display unit 23 of the mobile terminal to display a balance inquiry screen based on the charge balance, bonus privilege balance, and usage point balance sent from the management server 4 . The balance of house-type electronic money after charging is displayed. With the above, the charging process (portable terminal) is completed.

<Payment processing>
Next, settlement processing will be described. FIG. 24 shows a flowchart of payment processing (store terminal) according to the first embodiment. At step 21, the store terminal 3 is activated. When the shop terminal 3 is activated, a login screen as shown in FIG. 12 is displayed. When the login ID and password are entered and the login button is selected, a menu screen as shown in FIG. 13 is displayed, and card use is selected.

At step 22 , the store terminal 3 reads the house-type electronic money 1 . Specifically, as in step 02, after the card use screen is displayed, the card ID written in the house-type electronic money 1 is read by the card reader 5 of the shop terminal 3 as a physical card, and the management server 4, the card ID and the store ID are collated. The bar code displayed on the screen of the house-type electronic money 1 as a mobile card may be read by the card reader 5 of the store terminal 3 . A two-dimensional code may be read in place of the barcode. If the card ID and store ID match, go to step 23 . On the other hand, when the card ID and the shop ID do not match, the management server 4 sends an error message to the shop terminal 3, and the error message is displayed on the display section 33 of the shop terminal. After reading the house-type electronic money 1, the input of a password may be accepted as an authentication step. Also, in the authentication step, biometric authentication may be used instead of inputting a password.

In step 23, the balance of house-type electronic money is displayed on the display unit 33 of the store terminal. Specifically, as in step 03, if the card ID and the store ID match, the management server 4 sends the charge balance, bonus privilege balance, and use point balance associated with the card ID and the store ID to the store. It is sent to the terminal 3, and the balance inquiry screen is displayed on the display unit 33 of the store terminal (see FIG. 15). When the balance of house-type electronic money is displayed, the process proceeds to step 24 .

At step 24, card use is selected. Specifically, "use card" is selected from the menu displayed on the menu screen (see FIG. 13). For example, a menu may be displayed at the bottom of the balance inquiry screen so that the user can transition from the balance inquiry screen to each screen such as "card use". If card use is selected, the process proceeds to step 25 .

At step 25, the settlement amount is entered. Specifically, the store terminal 3 causes the display unit 33 of the store terminal to display, for example, a payment screen for accepting input of the payment amount as shown in FIG. 25 . On the payment screen (input) in FIG. 25, the messages "STEP 1 Enter the amount to be used" and "STEP 2 Please enter the points to be used", use (use) charge, and use (use) points A display field and buttons for "numerical numeric keypad", "Back", "Rerun", and "Enter" are displayed. The charging screen (result) in FIG. "Additional Points", "Charge Balance", and "Point Balance" are displayed. In addition, when customer copy printing is displayed and customer copy printing is selected, a receipt can be printed via the receipt printer 6 . On the charging screen (input) of FIG. 25, when the payment type is selected and the amount is input via the operation unit 32 of the store terminal, in other words, the charged cash to be used or the usage point to be used is input. and "Enter" is selected, the process proceeds to step 26 .

At step 26, the settlement is completed. Specifically, when the charge amount is input at the shop terminal 3 and “Enter” is selected, the settlement amount is sent to the management server 4 . The management server 4 calculates the charge balance by subtracting the charge amount from the charge balance before settlement based on the settlement amount sent from the shop terminal 3. - 特許庁When the usage points are used, the management server 4 calculates the usage points by subtracting the usage points from the usage points before settlement. In addition, the management server 4 calculates usage points based on the settlement amount. The calculated usage points are recorded in the management database in association with the group ID so that they can be used at group stores. As the usage history, the charge amount, bonus benefit, usage date and time, etc. are also recorded in the storage unit 45 of the management server. When charging is complete, go to step 27 .

In step 27, the store terminal 3 issues a receipt (customer copy). Specifically, the store terminal 3 outputs a receipt on which the details of use are recorded by an externally attached receipt printer. A printer may be used instead of the receipt printer 6 . With the above, the charging process (store terminal) is completed.

<effect>
In the house-type electronic money management system 100 according to the first embodiment, the charged balance stored in the storage unit 45 of the management server, And the bonus privilege balance and the store ID are processed (managed) in association with each other. In the house-type electronic money management system 100 according to the first embodiment, the charged amount is deposited at the store. In addition, since users of house-type electronic money can obtain bonus benefits according to the amount of money charged, they can receive shopping and services on better terms than when using cash. For this reason, stores that have introduced house-type electronic money can increase the frequency of users visiting the store. As a result, the store can retain customers, and an increase in sales can be expected. In addition, since house-type electronic money is easier to use than cash, a further increase in sales can be expected at stores. In addition, by introducing in-house electronic money, it is possible to greatly reduce the amount of currency exchange work at stores.

In addition, in the house-type electronic money management system according to the first embodiment, the usage points stored in the storage unit 45 of the management server and the group ID are processed in association with each other so that the usage points can be shared among group stores. . A user of house-type electronic money can use the usage points at other stores that are group stores, thereby improving convenience for the user. In addition, it is possible to increase the frequency of visits by users at group stores, and to revitalize group stores. Group stores can be arbitrarily determined. Since the group store can be arbitrarily determined, house-type electronic money can be introduced even if the store is not the same affiliated store. Therefore, for example, by grouping stores that agree with a plan, it is possible to retain customers of all group stores. Group stores can be composed of, for example, groups and organizations of different industries in the same area (for example, shopping malls), groups and organizations of the same industry in different areas, and groups and organizations having capital relationships. However, group stores are not limited to these. Group stores can be arbitrarily determined regardless of regions, industries, and capital ties.

Also, the authentication of house-type electronic money can be performed based on the card ID and the store ID. Therefore, the house-type electronic money 1 according to the first embodiment can also be used as a gift. In this case, the recipient (user) can use the charged cash and bonus benefit only at the store designated by the sender. The points can be used at group stores.

House-type electronic money according to the first embodiment includes a physical card and a mobile card. The user can use them properly according to the purpose and usage situation. House-type electronic money as a physical card consists of a plastic card, and house-type electronic money as a mobile card is installed on a user terminal such as a smartphone with an application that allows the user terminal to function as house-type electronic money. It can be configured by

House-type electronic money can be charged with cash using the mobile terminal 2 of the user as well as the store terminal 3 installed in the store. When charging cash at the store terminal 3, the store charged with cash becomes the store that uses the charged cash. On the other hand, when charging cash with the portable terminal 2, the user designates a store to charge cash. The return rate of the bonus benefits given by charging cash can be arbitrarily determined by the store or group stores according to the amount of money charged.

At the time of payment, the input of the payment amount, the charge balance, the bonus privilege balance, and the use point balance can be output by either the store terminal 3 or the mobile terminal 2 . Therefore, the user can check the balance at his or her own timing. The degree (weighting) of usage points given by using house-type electronic money can be arbitrarily determined by the store or group store according to the settlement amount. Also, the return rate of the used points can be arbitrarily determined according to the charged amount. Stores can also issue coupons. That is, the store can appropriately set the return rate of the bonus benefit, the return rate of the used points, whether or not to issue the coupon, and the amount of the coupon, depending on the situation. As a result, it is possible to increase the frequency of visits by users to the store.

In the house-type electronic money management system 100 according to the first embodiment, management information of house-type electronic money, in other words, store information and user information, is centrally managed in the storage unit 45 of the management server. there is Also, user information can be arbitrarily grouped by store ID or capital ID. Therefore, it is possible to transmit advertisements of each store, capital group, group stores, etc. to all users or users who are arbitrarily grouped. As a result, sales promotion activities can be activated.

<Second embodiment>
The house-type electronic money management system 100 according to the second embodiment is different from the house-type electronic money management system 100 according to the first embodiment in that it further includes an accounting processing function. Differences from the house-type electronic money management system 100 according to the first embodiment will be mainly described below.

In the house-type electronic money management system 100 according to the second embodiment, the storage unit 45 of the management server further stores product/service information related to products/services handled at the store and price information related to the prices of the products/services. do. In addition, in the house-type electronic money management system 100 according to the second embodiment, the house-type electronic money management server 4 further includes an accounting processing unit that accepts input of product/service information and price information and performs accounting processing. . The settlement processing unit of the management server 4 may be provided with the functions of the accounting processing unit. Further, in the house-type electronic money management system 100 according to the second embodiment, the application installed in the shop terminal 3 for processing house-type electronic money also has a function of accounting processing. Therefore, by inputting the products and prices handled at the store through the operation unit 32 of the store terminal, it is possible to perform accounting processing and settlement with house-type electronic money.

FIG. 27 shows a flowchart of accounting processing and settlement processing (store terminal) according to the second embodiment. Note that the same step numbers are given to the same processing as the payment processing (store terminal) according to the first embodiment, and the explanation is omitted. At step 21, the store terminal 3 is activated. When the shop terminal 3 is activated, a login screen as shown in FIG. 12 is displayed. When the login ID and password are entered and the login button is selected, the menu screen is displayed. FIG. 28 shows an example of a menu screen displayed on the store terminal according to the second embodiment. In the second embodiment, the menu screen displayed on the display unit 33 of the store terminal displays "account + card use". After the menu screen is displayed, the process proceeds to step 211 .

In step 211, when "accounting + card use" is selected, the screen changes to the "accounting + card use" screen. Next, at step 212, the product and the amount are entered. Specifically, the store terminal 3 causes the display unit 33 of the store terminal to display, for example, an accounting input screen for accepting input of products (or services) and amounts as shown in FIG. Accept input. FIG. 29 shows an example of a checkout input screen displayed on the store terminal according to the second embodiment. In FIG. 29, the accounting processing result is also displayed. For inputting the product and the price, a bar code reader may be connected to the store terminal 3, the bar code attached to the product may be read by the bar code reader, and the product and the price may be automatically entered.

At step 213, the accounting process and the results of the accounting process are displayed. Specifically, when the product and the amount are input at the store terminal 3 and "Enter" is selected, the product and the amount are sent to the management server 4 . The management server 4 performs accounting processing (calculation of subtotal, total amount, consumption tax, etc.) based on the product and amount sent from the store terminal 3 . The result of the accounting process is transmitted to the store terminal 3 and displayed on the display section 33 of the store terminal (see FIG. 29). When the result of the checkout process is displayed on the display unit 33 of the store terminal, the process proceeds to step 22 .

At step 22 , the store terminal 3 reads the house-type electronic money 1 . At step 23, the balance of house-type electronic money is displayed, and at step 24, card use is selected. Next, in step 25, the settlement amount is entered. The result of accounting processing is used for the settlement amount. At step 26, the settlement is completed, and at step 27, a receipt is issued.

According to the management system 100 for house-type electronic money according to the second embodiment, the store terminal 3 is provided with a terminal function for house-type electronic money and a cash register function, and inputs of products/services and prices can be performed at the store terminal. 3. Since the house-type electronic money management server 4 according to the second embodiment can perform settlement processing and accounting processing, house-type electronic money management and accounting management can be performed together, reducing the workload of the administrator. can do. In addition, by providing the store terminal 3 with a house-type electronic money terminal function and a cash register function, it is possible to reduce the economic burden as compared with the case where separate terminals are introduced.

<Other embodiments>
In the house-type electronic money management system 100 according to the first embodiment or the second embodiment, the storage unit 45 of the management server further stores store notification information in association with the group ID, and the management server 4 When the settlement process is performed, the notification information of the store associated with the group ID of the store where the settlement process is performed is checked, and if there is the notification information of the store, it may be output. The output may be made to the display section 33 of the shop terminal or the display section 23 of the portable terminal. By outputting the notification information of the group store, it is possible to increase the frequency of visiting the group store and to realize the activation of the group store.

Although the embodiments of the present invention have been described above, the management apparatus for house-type electronic money, the method for managing house-type electronic money, and the management system for house-type electronic money according to the present invention are not limited to these, and These can be combined.

In addition, the order of each process (step) in the operation of the house-type electronic money management system 100 can be appropriately changed without departing from the gist of the present invention. Also, part of the processing (steps) may be omitted without departing from the gist of the present invention. For example, the timing of card reading/authentication can be changed as appropriate.

1 House-type electronic money (physical card), 2 Mobile terminal, 3 Store terminal, 4 Management server, 5 Card reader, 6 Receipt printer

Claims (5)

A house-type electronic money management device for managing house-type electronic money,
Card identification information for house-type electronic money, store identification information for stores that introduce house-type electronic money, charge information managed for each store and related to cash charging, and cash charge information managed for each store Bonus benefit information related to bonus benefits to be granted, and usage point information related to usage points that are granted by using house-type electronic money and that can be shared among predetermined group stores consisting of a plurality of stores. and a storage unit that stores group store identification information that identifies the group store;
an authentication unit that authenticates house-type electronic money based on the card identification information and the store identification information;
When house-type electronic money is authenticated, a shop is designated to charge cash into house-type electronic money, the cash charge is accepted, bonus benefits are given according to the charged amount, and the charged cash and a charge processing unit that associates and processes charge information and bonus benefit information with store identification information of the specified store so that the bonus benefit can be used only at the specified store;
When house type electronic money is authenticated, input of settlement amount is accepted, charge information, bonus benefit information, and use point information are output, and among the charged cash, bonus benefit, and use points, Accept and settle by which method, use points are given according to the content of use , and groups and organizations in different industries in the same region, groups and organizations in the same industry in different regions, and groups and organizations with capital ties A management apparatus for house-type electronic money, comprising a payment processing unit that processes usage point information and group identification information in association with each other so that usage points can be shared by group stores including at least one of them . The storage unit further stores product/service information related to products/services handled in the store and price information related to the price of the products/services,
2. The house-type electronic money management apparatus according to claim 1, further comprising an accounting processing unit that accepts input of product/service information and price information and performs accounting processing. A house-type electronic money management method for managing house-type electronic money, comprising:
The computer stores card identification information for house-type electronic money, store identification information for stores where house-type electronic money is introduced, charge information related to cash charging managed for each store, and cash charge information managed for each store. Bonus privilege information on bonus privileges granted by using house-type electronic money, and use points related to usage points that are granted by using house-type electronic money and can be shared among predetermined group stores consisting of multiple stores having a storage unit for storing usage point information and group store identification information for identifying group stores,
an authentication step of authenticating house-type electronic money based on the card identification information and the store identification information;
When house-type electronic money is authenticated, a shop is designated to charge cash into house-type electronic money, the cash charge is accepted, bonus benefits are given according to the charged amount, and the charged cash and a charge processing step for processing the charge information and the bonus benefit information in association with the store identification information of the specified store so that the bonus benefit can be used only at the specified store;
When house type electronic money is authenticated, input of settlement amount is accepted, charge information, bonus benefit information, and use point information are output, and among the charged cash, bonus benefit, and use points, Accept and settle by which method, use points are given according to the content of use , and groups and organizations in different industries in the same region, groups and organizations in the same industry in different regions, and groups and organizations with capital ties A house-type electronic money management method for executing processing including a payment processing step in which usage point information and group identification information are associated with each other so that usage points can be shared by group stores that include at least one of them . . house type electronic money,
A store terminal installed in a store that introduces house-type electronic money,
A house-type electronic money management system comprising a house-type electronic money management device connected to a store terminal via a network and managing house-type electronic money,
House type electronic money management device
Card identification information for house-type electronic money, store identification information for stores that introduce house-type electronic money, charge information managed for each store and related to cash charging, and cash charge information managed for each store Bonus benefit information related to bonus benefits to be granted, and usage point information related to usage points that are granted by using house-type electronic money and that can be shared among predetermined group stores consisting of a plurality of stores. and group store identification information that identifies the group store; an authentication unit that authenticates house-type electronic money based on the card identification information and the store identification information;
When house-type electronic money is authenticated, a shop is designated to charge cash into house-type electronic money, the cash charge is accepted, bonus benefits are given according to the charged amount, and the charged cash and a charge processing unit that associates and processes charge information and bonus benefit information with store identification information of the specified store so that the bonus benefit can be used only at the specified store;
When house type electronic money is authenticated, input of settlement amount is accepted, charge information, bonus benefit information, and use point information are output, and among the charged cash, bonus benefit, and use points, Accept and settle by which method, use points are given according to the content of use , and groups and organizations in different industries in the same region, groups and organizations in the same industry in different regions, and groups and organizations with capital ties a payment processing unit that associates and processes usage point information and group identification information so that usage points can be shared by group stores that include at least one of them ;
House type electronic money management system. The store terminal further accepts input of product/service information and price information,
5. The house-type electronic money management system according to claim 4, wherein the house-type electronic money management device further has an accounting processing unit that performs accounting processing based on product/service information and price information received via the store terminal. .

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