JP7580223B2 - PROGRAM, ELECTRONIC VALUE MANAGEMENT DEVICE, AND ELECTRONIC VALUE MANAGEMENT METHOD - Google Patents

Description

The present invention relates to a program, an electronic value management device, and an electronic value management method.

Payments using electronic value are made in transactions for goods, services, etc. For example, electronic money, which is one type of electronic value, is stored as information on a portable terminal and is used to pay for various transactions, including the use of public transportation. Payment functions using multiple types of electronic money may be built into a single terminal. Patent Document 1 discloses an electronic money system that sets a priority order for combining multiple electronic money apps to perform a single payment process, and accesses the electronic money apps sequentially in the order of priority so that the total of the payment amounts equals the payment amount, making it possible to perform a single payment process.

Patent No. 5311612

In the electronic money system described in Patent Document 1, when making a payment using multiple electronic money apps, the payer of the transaction can check and change the priority order between the electronic money apps before making the payment.

For example, the priority order that a payer assigns to electronic value can be determined based on the compensation, such as points, that the electronic value business operator grants for the use of the electronic value. Compensation can also be set by varying the points depending on the content of the payment, for example, the payment amount. When determining the priority order of electronic value before payment, it is not possible to set the priority order according to the content of the payment. This reduces the possibility that the electronic value to be used will be determined based on the compensation that is more favorable for the payer.

In addition, the content of the consideration may vary for each transaction and for each electronic value provider. If the payer were required to select an appropriate electronic value provider based on the consideration for each transaction, this would reduce convenience for the payer.

The present invention aims to provide a program, an electronic value management device, and an electronic value management method that ensure convenience for payers who use electronic value while allowing them to obtain favorable compensation for the use of electronic value.

A program according to one aspect of the present invention causes a computer to execute a transaction information acquisition process for acquiring transaction information of a target transaction, which is at least one transaction by the payer of the transaction, from a transaction storage unit in which transaction information indicating a transaction using electronic value is stored; a characteristic information generation process for generating transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction; a characteristic information transmission process for transmitting the transaction characteristic information to a plurality of candidate terminals that are the destinations of the provided information based on the transaction information of the target transaction; a consideration information acquisition process for acquiring consideration information indicating the consideration for the provided information and generated based on the transaction characteristic information from the plurality of candidate terminals; a destination information acquisition process for acquiring destination information indicating a destination selected from the plurality of candidates based on the consideration information; a provided information transmission process for generating provided information based on the transaction information of the target transaction and transmitting it to the destination terminal based on the destination information; and a balance update process for acquiring deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value associated with the destination, which is different from the electronic value, to the payer's electronic value, and updating the balance information of the payer's electronic value.

An electronic value management device according to another aspect of the present invention includes a transaction storage unit storing transaction information indicating a transaction using electronic value, a transaction information acquisition unit acquiring transaction information of a target transaction, which is at least one transaction by a payer of the transaction, a characteristic information generation unit generating transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction, a characteristic information transmission unit transmitting the transaction characteristic information to a plurality of candidate terminals that are destinations of the provided information based on the transaction information of the target transaction, a consideration information acquisition unit acquiring consideration information indicating the consideration for the provided information and generated based on the transaction characteristic information from the plurality of candidate terminals, a destination information acquisition unit acquiring destination information indicating a destination selected from the plurality of candidates based on the consideration information, a provided information transmission unit transmitting the provided information based on the transaction information of the target transaction to the destination terminal based on the destination information, and a balance update unit acquiring deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value associated with the destination, which is different from the electronic value, to the payer's electronic value, and updating the balance information of the payer's electronic value.

An electronic value management method according to another aspect of the present invention causes a computer to execute the following operations: acquire transaction information of a target transaction, which is at least one transaction by a payer of the transaction, from a transaction storage unit in which transaction information indicating a transaction using electronic value is stored; generate transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction; transmit the transaction characteristic information to a plurality of candidate terminals that are destinations of the provided information based on the transaction information of the target transaction; acquire, from the plurality of candidate terminals, compensation information indicating compensation for the provided information and generated based on the transaction characteristic information; acquire destination information indicating a destination selected from the plurality of candidates based on the compensation information; transmit the transaction information of the target transaction to the destination terminal based on the destination information; acquire deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value different from the electronic value and associated with the destination to the payer's electronic value, and update the balance information of the payer's electronic value.

A program according to another aspect of the present invention causes a computer to execute a characteristic information acquisition process that acquires from a terminal transaction characteristic information indicating characteristics of a target transaction based on transaction information of a target transaction, which is at least one transaction by a payer of the transaction, among transaction information indicating transactions using electronic value; a consideration information generation process that generates consideration information indicating consideration for provided information based on the transaction characteristic information; and a consideration information transmission process that transmits the consideration information to the terminal.

A program according to another aspect of the present invention is a program that causes a computer to execute a consideration information acquisition process that acquires, from a terminal, consideration information indicating the consideration for the provided information based on transaction characteristic information indicating characteristics of a target transaction based on transaction information of a target transaction that is at least one transaction by the payer of the transaction among transaction information indicating transactions using electronic value; a destination information acquisition process that acquires destination information indicating a destination selected based on the consideration information from among multiple candidates that are destinations of the transaction information of the target transaction; and a destination information transmission process that transmits the destination information to the terminal.

An electronic value management system according to another aspect of the present invention includes an electronic value management device, a plurality of recipient terminals, and a payer terminal. The electronic value management device includes a transaction memory unit in which transaction information indicating a transaction using electronic value is stored, a transaction information acquisition unit that acquires transaction information of a target transaction, which is at least one transaction by a payer of the transaction, a characteristic information generation unit that generates transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction, a characteristic information transmission unit that transmits the transaction characteristic information to a plurality of recipient terminals that are a plurality of candidates for the recipient of the provided information based on the transaction information of the target transaction, and a characteristic information transmission unit that transmits the provided information to a plurality of recipient terminals that are a plurality of candidates for the recipient of the provided information based on the transaction information of the target transaction. The electronic money transaction system includes a first payment information acquisition unit that acquires, from a plurality of destination terminals, payment information that indicates a payment for the information and is generated based on transaction characteristic information; a first destination information acquisition unit that acquires destination information that indicates a destination selected from a plurality of candidates based on the payment information; a first provided information transmission unit that transmits the provided information to the destination terminal based on the destination information; and a balance update unit that acquires deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value that is different from the electronic value and is associated with the destination to the payer's electronic value and updates the balance information of the payer's electronic value.

The plurality of recipient terminals are provided with a characteristic information acquisition unit that acquires transaction characteristic information from an electronic value management device based on transaction information of a target transaction, a consideration information generation unit that generates consideration information based on the transaction characteristic information, and a consideration information transmission unit that transmits consideration information to the electronic value management device, and the payer terminal provides an electronic value management system that is provided with a second consideration information acquisition unit that acquires consideration information from the electronic value management device, a second destination information acquisition unit that acquires destination information, and a second destination information transmission unit that transmits destination information to the electronic value management device.

The present invention provides a program, an electronic value management device, and an electronic value management method that ensure the convenience of the payer who uses electronic value while allowing the payer to obtain favorable terms for the use of electronic value.

1 is a schematic diagram of a payment system having an electronic value management device according to a first embodiment. 1 is a block diagram of an electronic value management device according to a first embodiment. 4 is an example of transaction information according to the first embodiment. 4 is an example of payer information according to the first embodiment. 4 is an example of recipient information according to the first embodiment. 1 is an example of transaction information of a target transaction according to the first embodiment. 4 is an example of transaction characteristic information according to the first embodiment. 4 is an example of consideration information according to the first embodiment. 4 is an example of consideration information according to the first embodiment. 4 is an example of provided information according to the first embodiment. FIG. 2 is a block diagram of a payer terminal according to the first embodiment. FIG. 2 is a block diagram of a destination server according to the first embodiment. FIG. 2 is a diagram illustrating processing in the electronic value management system according to the first embodiment. FIG. 11 is a block diagram of an electronic value management device according to a second embodiment. 13 is an example of consideration information according to the second embodiment. FIG. 13 is a block diagram of an electronic value management device according to a third embodiment. FIG. 13 is a block diagram of a payer terminal according to the fourth embodiment. 23 is an example of payer information according to the fourth embodiment. 23 is an example of consideration information according to the fourth embodiment.

A preferred embodiment of the present invention will be described with reference to the attached drawings. In each drawing, the same reference numerals are used to denote the same or similar configurations.

Figure 1 shows a schematic diagram of the configuration of an electronic value management system 10 according to this embodiment. The electronic value management system 10 comprises an electronic value management device 101, a payer terminal 102, recipient terminals 103a, 103b, 103c, and destination servers 104a, 104b, 104c. Note that unless there is a particular need to distinguish between them, the recipient terminals 103a, 103b, and 103c are referred to as recipient terminals 103, and the destination servers 104a, 104b, 104c are referred to as destination servers 104. The electronic value management device 101, the payer terminal 102, the recipient terminal 103, and the destination server 104 are connected to each other via a network N so that they can communicate with each other.

The electronic value management device 101 is an information processing device such as a server configured to manage transactions using electronic value between the payer terminal 102 and the recipient terminal 103 by executing a specified program. Note that in this embodiment, a case is shown in which electronic money is used as an example of electronic value, but electronic value is not limited to electronic money and may be anything that can be electronically represented as long as it can be used for transactions or payments. For example, electronic value may be cryptocurrency or points.

Here, electronic money managed by the electronic value management device 101 can be used to pay for transportation fees such as trains, buses, taxis, ride-sharing, or rental bicycles, or to pay for merchandise such as beverages.

The electronic money managed by the electronic value management device 101 is used, for example, when a payer having a payer terminal 102 uses a so-called mobility as a service (MaaS: Mobility as a Service).

The payer terminal 102 is an information processing device that can execute a specified program to carry out electronic money transactions with the payee terminal 103 via the electronic value management device 101. Furthermore, the payer terminal 102 can execute a specified program to deposit (charge) money into the balance of electronic money linked to the payer in the electronic value management device 101. Note that while only one payer terminal 102 is illustrated in FIG. 1, multiple payer terminals 102 may be used when there are multiple payers. Furthermore, a certain payer may possess multiple payer terminals 102 to manage his or her own electronic money.

The recipient terminal 103 is an information processing device that processes payments from the payer via the electronic value management device 101 and the payer terminal 102 by executing a specified program. For example, the recipient terminal 103 is provided at ticket gates or boarding/alighting entrances in the case of trains or buses, or at cash registers in the case of retail facilities.

The destination server 104 is an information processing device that generates compensation information indicating compensation for information regarding a transaction based on the transaction characteristic information by executing a specified program, and acquires information regarding the transaction from the electronic value management device 101 based on the compensation information. Compensation is provided, for example, as compensation for acquiring information regarding the transaction and being able to understand the purchasing trends, etc., of the payer.

In the electronic value management system 10, the payer performs transactions using one type of electronic money managed by the electronic value management device 101. The electronic value management device 101 obtains from the destination server 104 a payment for information related to the transaction stored in the electronic value management device 101. A deposit of electronic money equivalent to the transaction amount is made using electronic value related to the destination selected based on the payment. Thus, the payer can make his/her own payment using only the electronic money managed by the electronic value management device 101, and then make a deposit. The electronic value management system 10 is a system that enables the payer to select a payment that is favorable to the payer from among multiple payments by providing information related to his/her transaction.

Figure 2 shows a block diagram of the electronic value management device 101. The electronic value management device 101 has a communication unit 201, a transaction memory unit 202, a payer information memory unit 203, a recipient information memory unit 204, a transaction information acquisition unit 205, a characteristic information generation unit 206, a characteristic information transmission unit 207, a consideration information acquisition unit 208, a consideration information transmission unit 209, a provided information acquisition unit 210, a provided information transmission unit 211, and a balance update unit 212.

Each part of the electronic value management device 101 can be realized, for example, by using a storage area such as a memory in the electronic value management device 101, or by having a processor execute a program stored in the storage area. The same applies to the payer terminal 102 and the payee terminal 103 described below.

The communication unit 201 controls communication between the electronic value management device 101 and the outside world via the network N.

The transaction memory unit 202 stores transaction information indicating transactions using electronic value. An example of transaction information is shown in FIG. 3. The transaction information has the following fields: "Transaction ID," "Payer ID," "Recipient ID," "Transaction amount," "Transaction date and time," "Whether or not transportation was used," "Travel route," and "Transaction location."

"Transaction ID" is identification information for managing transactions using electronic money managed by the electronic value management device 101. "Payer ID" and "Recipient ID" are identification information for the payer and recipient in each transaction, respectively. "Transaction amount" is the amount of electronic money exchanged in the transaction. "Transaction date and time" is the time the transaction was made. "Whether transportation was used" is information indicating whether transportation was used in the transaction. "Travel route" is information on the travel route when transportation is used. "Transaction location" is information indicating the location where the transaction was made when a product was purchased rather than a means of transportation. Note that these items are merely examples and are not limited to the items shown in FIG. 3, as long as other appropriate items can be provided to manage transactions.

For example, in FIG. 3, a transaction with transaction ID "T0001" is recorded as a payment made by a payer with payer ID "PR001" to a recipient with recipient ID "PE001". The transaction amount is "350 yen", and the transaction date and time is recorded as "2020/7/7 10:40:51". Since transportation was used in this transaction, "Route A" is recorded as the transportation route. Note that this transportation is a series of transportation carried out in association with the transaction related to the transportation indicated by transaction ID "T0002".

In addition, the transaction with transaction ID "T0003" records a transaction for the purchase of merchandise at transaction location "Location X" by the same payer as transaction IDs "T0001" and "T0003."

The payer information storage unit 203 stores information about the payer who makes a payment using electronic money. The payer information includes information indicating the attributes of the payer. An example of the payer information is shown in FIG. 4.

The payer information has the fields "Payer ID", "Age", "Gender", "Occupation", and "Residence area". "Payer ID" is identification information for identifying the payer. "Age", "Gender", "Occupation", and "Residence area" are information indicating the attributes of the payer. Information indicating the attributes of the payer is obtained from the payer, for example, when registering the use of electronic money in advance, and stored in the payer information storage unit 203. Note that there may be fields that are not answered. Also, the fields of the payer information are not limited to the example in FIG. 4, and other appropriate fields can be set for the payer.

For example, in FIG. 4, the payer with payer ID "PR001" is recorded as having an age of "35," gender of "male," occupation of "engineer," and area of residence of "XX area." The payer information may be presented with options from which the payer may respond, or may be freely entered.

The recipient information storage unit 204 records information about the recipient of a transaction using electronic money. The recipient information includes information indicating the services and items provided by the recipient. The recipient information has the following items: "Recipient ID", "Recipient Name", and "Provided Services/Items". "Recipient ID" is identification information for identifying the recipient. "Recipient Name" is, for example, the name of a company providing transportation. "Provided Services/Items" is information indicating the services and items provided by the recipient in the transaction. For example, it is recorded that the recipient "Recipient A" identified by the recipient ID "PE001" will be provided with transportation by bus, and the recipient with the recipient ID "PE003" will be provided with beverages. Note that the items of the recipient information are not limited to the example in FIG. 4, and other appropriate items can be provided for the recipient.

Here, we will explain an example of a transaction using electronic value between the electronic value management device 101, the payer terminal 102, and the recipient terminal 103. Let us assume that the payer travels by two types of transportation, first by bus and then by train, and then purchases a product at a store. The payer pays for both transactions with electronic money managed by the electronic value management device 101. It is assumed that the payer has charged a certain amount as the balance of the electronic money managed by the electronic value management device 101.

The payer terminal 102 performs a transaction with the recipient terminal 103 using radio frequency identification (RFID) technology, for example, near-field communication (NFC) technology.

When a payer uses a bus for the first time, the payer holds the payer terminal 102 over the recipient terminal 103a located at the boarding entrance of the bus. Information necessary for the transaction is exchanged between the payer terminal 102 and the recipient terminal 103a. The payer terminal 102 asks the electronic value management device 101 whether it is OK to execute the payment. The electronic value management device 101 checks whether the payer terminal 102 is a device that has been reported as lost or has been involved in fraud. In other words, the electronic value management device 101 performs a simple validity check.

When the electronic value management device 101 gives permission for the payer terminal 102 to make a payment, the payer terminal 102 transmits information indicating the transfer of electronic value from the payer terminal 102 to the recipient terminal 103a to the electronic value management device 101. The electronic value management device 101 updates the balances of the payer and recipient based on the information indicating the transfer of electronic value. When the electronic value management device 101 has updated the balances, the settlement between the payer and the transactor is completed. Note that the information indicating the transfer of electronic value may be transmitted from the recipient terminal 103a to the electronic value management device 101.

At this time, information corresponding to each item of the transaction information is transmitted from the payer terminal 102 or the recipient terminal 103a to the electronic value management device 101, and the transaction information is recorded.

When the movement is guided by an application for providing MaaS services or an application that provides route guidance, the information on the movement route is commonly associated with multiple transactions as a series of movements. For example, the information on the movement route is stored in the payer terminal 102 and provided to the electronic value management device 101 from the payer terminal 102 or through the recipient terminal 103a. Alternatively, the electronic value management device 101 may work in conjunction with an application for providing MaaS services to associate route information with the target movement. Alternatively, the movement route may be determined based on the position information of the payer terminal 102 or the recipient terminal 103a.

Next, when the payer uses a train as the second mode of transportation, the payer passes through the ticket gate at the departure station where the recipient terminal 103b is installed, and the ticket gate at the arrival station where the recipient terminal 103c is installed. Whether the payer passes through the ticket gate at the departure station or the arrival station, the electronic value management device 101 only performs a simple check of validity, and the user can pass through the ticket gate even if the balance is below the minimum required balance.

In the case of trains, the electronic value management device 101 calculates the fare based on information indicating the departure station and arrival station sent from the payer terminal 102, and updates the payer's balance and the recipient's (railway operator's) sales balance based on the fare. The electronic value management device 101 similarly records information regarding the transaction between the payer terminal 102 and the recipient terminal 103b.

Finally, if the payer purchases an item at a store, for example, the payer terminal 102 communicates with a recipient terminal (not shown) installed in the store to make the payment. At this time, the payer terminal 102 or the recipient terminal transmits information corresponding to each item of transaction information to the electronic value management device 101. In this way, transaction history is accumulated in the transaction memory unit 202.

The transaction information acquisition unit 205 acquires transaction information of a target transaction, which is at least one transaction by the payer of the transaction, from the transaction memory unit 202, which stores transaction information indicating a transaction using electronic value.

The transaction information acquisition unit 205 generates transaction information for a certain payer based on a request from the payer terminal 102. Here, the acquisition of transaction information for a payer with a payer ID of "PR001" is used as an example.

When the transaction information acquisition unit 205 acquires a request including the payer ID "PR001" from the payer terminal 102, it refers to the transaction memory unit 202 and acquires transaction information by the payer with the payer ID "PR001" as target information. The acquisition range of transaction information is, for example, transactions on a certain day. Figure 6 shows the transaction information of the target transaction acquired by the transaction information acquisition unit 205 based on the transaction information in Figure 3. Note that the acquisition range of transaction information may be, for example, transactions selected by the payer from each transaction.

The transaction information acquisition unit 205 may refer to the transaction memory unit 202 at a predetermined timing to acquire transaction information about a certain payer. The timing may be, for example, a predetermined time each day.

The characteristic information generating unit 206 generates transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction. An example of transaction characteristic information is shown in FIG. 7.

The transaction characteristic information in Figure 7 has the following items: "Characteristic ID," "Transaction Date," "Transaction ID," and "Characteristics." "Characteristic ID" is information for identifying the generated transaction characteristic information. "Transaction Date" is the date on which the transaction characteristic information was generated. "Transaction ID" is information for identifying the transaction included in the transaction characteristic information.

"Characteristics" has the sub-items of "transaction date and time," "whether or not transportation was used," "travel route," "transaction location," "age," "gender," "occupation," "area of residence," and "services/items provided." The characteristic information generating unit 206 generates the content of each characteristic based on the transaction information of the target transaction. The characteristic information generating unit 206 abstracts the characteristic information of the target transaction, payer information, and recipient information to generate transaction characteristic information. The processing by the characteristic information generating unit 206 will be described later.

The characteristic information transmission unit 207 transmits the transaction characteristic information to multiple candidate destination servers 104, which are the destinations of the provided information based on the transaction information of the target transaction. It is assumed that information identifying each payer is linked in advance between the destination servers 104 and the electronic value management device 101.

The compensation information acquisition unit 208 acquires compensation information generated by the destination server 104 from the destination server 104, which will be described later.

The payment information sending unit 209 sends the acquired payment information to the payer terminal 102. Note that the destination of the payment information does not necessarily have to be the same terminal used for payment, as long as it is a terminal operated by the payer.

The compensation information will be described with reference to Figs. 8 and 9. Fig. 8 shows compensation information generated by the destination server 104a based on the compensation information in Fig. 7. The compensation information has the fields "Characteristic ID", "Destination ID", and "Compensation". "Characteristic ID" is information for identifying the transaction characteristic information. "Destination ID" is information for identifying the destination server 104 that generated the compensation. "Destination ID" is "RE001", "RE002", and "RE003" for the destination servers 104a, 104b, and 104c, respectively. "Compensation" is compensation generated by the destination server 104 for the transaction characteristic information. Fig. 8 shows that the destination server 104a will return "1% of the total transaction amount" as compensation for the transaction characteristic information in Fig. 7.

Each of the payment information generated by the destination server 104 is acquired by the payment information acquisition unit 208. The payment information transmission unit 209 compiles the acquired payment information and transmits the payment information shown in FIG. 9 to the payer terminal 102.

The recipient information acquisition unit 210 acquires recipient information indicating the recipient selected based on the consideration information from the payer terminal 102. The recipient information is acquired, for example, as a "recipient ID."

The provided information transmission unit 211 transmits provided information based on the transaction information of the target transaction to the provided server 104 selected as the provided information. An example of the provided information is shown in FIG. 10.

The provided information includes each item of payer information, each item of transaction information of the target transaction, and each item of recipient information. Each content of the provided information is not content abstracted in the transaction characteristic information, but information that indicates the content of the transaction in detail. Note that the provided information sending unit 211 may send abstracted information of the transaction information as provided information, if necessary.

The balance update unit 212 acquires deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value associated with the destination, which is different from the electronic money managed by the electronic value management device 101, to the payer's electronic money, and updates the balance information of the payer's electronic money.

For example, assume that the provision information in FIG. 10 has been provided to the destination server 104a. In this case, information for depositing the total transaction amount of 5,900 yen into the electronic money managed by the electronic value management device 101 using other electronic money associated with the destination server 104a is sent to the electronic value management device 101 as deposit information. The electronic value management device 101 updates the payer's balance based on the deposit information, and the deposit is completed. Note that deposits into the electronic money managed by the electronic value management device 101 may be made using electronic value other than electronic money, or may be made in a manner linked to cash, such as by account transfer or credit card deposit.

Figure 11 shows a block diagram of the payer terminal 102. The payer terminal 102 has a communication unit 1101, a memory unit 1102, a payment information acquisition unit 1103, a recipient information acquisition unit 1104, a recipient information transmission unit 1105, a payer information acquisition unit 1106, and a payer information transmission unit 1107.

The communication unit 1101 controls communication between the payer terminal 102 and the outside via the network N. The memory unit 1102 stores various information used for processing in the payer terminal 102.

The consideration information acquisition unit 1103 acquires consideration information from the electronic value management device 101. The destination information acquisition unit 1104 acquires destination information indicating the destination selected by the payer as the destination of the provided information, for example, to display the consideration information on a screen (not shown) of the payer terminal 102 based on the consideration information. The destination information transmission unit 1105 transmits the acquired destination information to the electronic value management device 101.

The payer information acquisition unit 1106 acquires payer information from the payer, for example, through a user interface displayed on the screen of the payer terminal 102. The payer information transmission unit 1107 transmits the payer information to the electronic value management device 101.

Figure 12 shows a block diagram of the destination server 104. The destination server 104 has a communication unit 1201, a memory unit 1202, a characteristic information acquisition unit 1203, a consideration information generation unit 1204, a consideration information transmission unit 1205, a provision information acquisition unit 1206, a deposit information generation unit 1207, and a deposit information transmission unit 1208.

The communication unit 1201 controls communication between the destination server 104 and the outside via the network N. The storage unit 1202 stores various information used for processing in the destination server 104.

The characteristic information acquisition unit 1203 acquires transaction characteristic information from the electronic value management device 101. The consideration information generation unit 1204 generates consideration information based on the acquired transaction characteristic information. The consideration information transmission unit 1205 transmits the consideration information to the electronic value management device 101.

When selected as a recipient, the provided information acquisition unit 1206 acquires the provided information from the electronic value management device 101. The deposit information generation unit 1207 generates deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction based on the provided information. The deposit information transmission unit 1208 transmits the deposit information to the electronic value management device 101.

The processing in the electronic value management system 10 will be described with reference to FIG. 13. Here, it is assumed that the transaction by the payer terminal 102 has already been stored in the transaction memory unit 202. Furthermore, processing related to the destination server 104c will be omitted.

In step S1301, a settlement request is sent from the payer terminal 102 to the electronic value management device 101.

In step S1302, the transaction information acquisition unit 205 acquires transaction information of the target transaction. In step S1303, the characteristic information generation unit 206 acquires payer information by referring to the payer information storage unit 203. In step S1304, the characteristic information generation unit 206 acquires payee information by referring to the payee information storage unit 204.

In step S1305, the characteristic information generating unit 206 generates transaction characteristic information based on the transaction information of the target transaction. Here, it is assumed that the transaction characteristic information in FIG. 7 is generated.

In steps S1306 and S1307, the characteristic information sending unit 207 sends transaction characteristic information to each of the destination servers 104a and 104b. In steps S1308 and S1309, each of the destination servers 104a and 104b generates consideration information. The consideration information in each destination server 104 is generated, for example, based on rules for setting the consideration stored in the memory unit 1202.

In steps S1310 and S1311, the destination server 104a and the destination server 104b each transmit the value information to the electronic value management device 101.

In step S1312, the destination information acquisition unit 210 compiles the acquired payment information and transmits it to the payer terminal 102. For example, in FIG. 9, the destination server 104a generates a payment identified by the destination ID "RE001", and the destination server 104b generates a payment identified by the destination ID "RE002".

In step S1313, the destination information acquisition unit 1104 displays the consideration information to the payer, for example, by displaying it on the screen of the payer terminal 102. In step S1314, the destination information acquisition unit 1104 acquires the destination information from the payer. If the payer selects the consideration identified by the destination ID "RE002" from the consideration information exemplified in FIG. 9, the destination information acquisition unit 1104 sets the selected identification information as the destination information. In step S1315, the destination information transmission unit 1105 transmits the destination information to the electronic value management device 101.

In step S1316, the provided information sending unit 211 generates provided information based on the transaction information of the target transaction. In step S1317, the provided information sending unit 211 sends the provided information to the destination server 104 based on the destination information acquired by the destination information acquisition unit 210. Here, a case is shown in which the destination server 104b is selected as the destination.

In step S1318, the deposit information generating unit 1207 generates deposit information for the transaction amount of the target transaction based on the provided information. At this time, if information identifying each payer is previously linked between the destination server 104 and the electronic value management device 101, the destination server 104b may associate the consideration with the payer.

In step S1319, the deposit information sending unit 1208 sends the deposit information to the electronic value management device 101. In step S1320, the balance update unit 212 updates the balance based on the deposit information, assuming that the transaction amount of the target transaction has been deposited into electronic money.

The second embodiment will be described. In the second embodiment, a description of matters common to the first embodiment will be omitted, and only the differences will be described. FIG. 14 shows a block diagram of an electronic value management device 101A according to the second embodiment. The second embodiment differs from the first embodiment in that the device connected to the electronic value management system 10 is electronic value management device 101A rather than electronic value management device 101.

The electronic value management device 101A further includes an order information generation unit 1401 in addition to the components of the electronic value management device 101. The order information generation unit 1401 generates order information in which the consideration information is ordered based on a predetermined rule set for the consideration. The predetermined rule is stored in the order information generation unit 1401 or the like and is stored in advance in the electronic value management device 101A. For example, one predetermined rule is a rule that gives a higher priority to consideration information with a larger refund amount in the consideration. In the electronic value management device 101A, the consideration information transmission unit 209 transmits the consideration information associated with the order information to the payer terminal 102. For example, the consideration information shown in FIG. 15 is transmitted to the payer terminal 102 as consideration information associated with order information in descending order of the refund amount for the consideration information in FIG. 7.

The payer terminal 102 displays information including the order and acquires the recipient information from the payer. This makes it easier for the payer to compare prices, thereby improving the convenience for the payer.

The consideration information sending unit 209 may also be configured to send consideration information that satisfies a predetermined ranking to the payer terminal 102. For example, in FIG. 15, consideration information with a ranking of "3" may not be sent. This allows the options available to the payer when making a selection to be limited in advance, making it easier for the payer to select a consideration and improving convenience for the payer.

The third embodiment will now be described. FIG. 16 shows a block diagram of an electronic value management device 101B according to the third embodiment. The third embodiment differs from the first embodiment in that the device connected to the electronic value management system 10 is an electronic value management device 101B rather than an electronic value management device 101.

In addition to the components of the electronic value management device 101, the electronic value management device 101B further comprises a rule acquisition unit 1601, a rule storage unit 1602, and a recipient information generation unit 1603. The rule acquisition unit 1601 acquires a predetermined rule from the payer terminal 102. The predetermined rule here is, for example, a condition for a recipient to be selected based on the consideration information. More specifically, it is a condition such that the candidate recipient that has offered the consideration with the highest refund amount in the consideration information is set as the recipient. The rules acquired by the rule acquisition unit 1601 are stored in the rule storage unit 1602.

The destination information generating unit 1603 generates the destination information itself based on the consideration information obtained when the consideration information transmitting unit 209 transmits the transaction characteristic information to the destination server 104 and the rules stored in the rule storing unit 1602. In other words, the destination is not selected by the payer, but can be selected by the electronic value management device 101B. This allows the payer to have the electronic value management device 101B select the destination according to conditions set by the payer, improving convenience for the payer.

The fourth embodiment will now be described. FIG. 17 shows a block diagram of the payer terminal 102A according to the second embodiment. The second embodiment differs from the first embodiment in that the terminal connected to the electronic value management system 10 is the payer terminal 102A rather than the payer terminal 102.

In addition to the components of the payer terminal 102, the payer terminal 102A further includes a permission information acquisition unit 1701 that acquires permission information indicating payer information that the payer has permitted to be provided to the recipient, and a permission information transmission unit 1702 that transmits the permission information to the electronic value management device 101.

The permission information acquisition unit 1701 acquires information for each item of payer information indicating whether or not the information for that item is to be provided to the recipient, and transmits the information to the electronic value management device 101. In the electronic value management device 101, as shown in FIG. 15, each item of payer information is associated with the presence or absence of permission and stored in the payer information storage unit 203.

In the fourth embodiment, the characteristic information generating unit 206 generates transaction characteristic information based on the payer information that is permitted to be sent to the destination. Furthermore, the provided information transmitting unit 211 transmits the provided information to the destination without including the permitted items in the provided information. For example, in FIG. 18, the payer with payer ID "PR001" has not permitted the occupation item to be provided, so the transaction characteristic information does not include the payer's occupation. At this time, the characteristic information generating unit 206 generates transaction characteristic information based on the other permitted items. In other words, in the example of FIG. 7, transaction characteristic information is generated such that the occupation row is not included.

The above-mentioned transaction characteristic information includes items whose provision is restricted, so the compensation information generated by the destination server 104 may vary. For example, in the case of the characteristic ID "C0001" in FIG. 7, compensation information such as that shown in FIG. 19 is obtained from the destination server 104 for transaction characteristic information of the characteristic ID "C0001a" that does not include an occupation item. In this case, since the provided information does not include information about the payer's occupation, the value of the information is estimated to be low, and as a result, a lower compensation is offered than in the case of FIG. 7.

In this way, in the fourth embodiment, it becomes possible to vary the compensation depending on the items of the payer information that are permitted to be provided. This allows the payer providing the information to balance their own information with the compensation for the provided information, improving the convenience for the payer.

Each embodiment has been described above. The electronic value management device 101 according to the first embodiment comprises a transaction storage unit 202 in which transaction information indicating a transaction using electronic value is stored, a transaction information acquisition unit 205 which acquires transaction information of a target transaction which is at least one transaction by the payer of the transaction, a characteristic information generation unit 206 which generates transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction, a characteristic information transmission unit 207 which transmits the transaction characteristic information to a plurality of candidate destination servers 104 which are destinations of the provided information based on the transaction information of the target transaction, and a consideration which indicates the consideration for the provided information and which is generated based on the transaction characteristic information. The system includes a consideration information acquisition unit 208 that acquires information from a plurality of candidate destination servers 104, a destination information acquisition unit 210 that acquires destination information indicating a destination selected from the plurality of candidates based on the consideration information, a provided information transmission unit 211 that transmits provided information based on the transaction information of the target transaction to the destination terminal based on the destination information, and a balance update unit 212 that acquires deposit information indicating a deposit of an amount corresponding to the transaction amount of the target transaction from another value different from the electronic value and associated with the destination to the payer's electronic value and updates the balance information of the payer's electronic value.

According to this, transaction characteristic information is generated based on a certain transaction stored in the transaction storage unit 202. The generated transaction characteristic information is transmitted to multiple candidate terminals to which the provided information based on the transaction information of the target transaction is to be provided. The consideration offered by each candidate in exchange for receiving the provided information is acquired by the consideration information acquisition unit 208. The consideration here is not the use of electronic value itself, but a consideration set for the transaction information of the target transaction, that is, the type of transaction for which the electronic value was used. Since the transaction information of the target transaction is information that can be used to analyze, for example, the consumption trends of the payer, the consideration can be set as something more valuable than the use of electronic value.

The destination is selected according to these values. Through processing in the balance update unit 212, the payer can receive the value for the provided information regarding his/her transaction and make a deposit toward a certain electronic value. Since it is possible to use a certain electronic value while receiving value from various destinations, it is possible for the payer to obtain value on favorable terms for the use of the electronic value while ensuring convenience for the payer who uses the electronic value.

The electronic value management device 101 further includes a consideration information sending unit 209 that sends consideration information from multiple candidate destination servers 104 to the payer terminal 102 of the payer, and the destination information acquiring unit 210 acquires destination information selected based on the consideration information from the payer terminal 102. This allows the payer to select a destination based on the consideration. This allows the payer to receive the best consideration for himself/herself.

The electronic value management device 101A according to the second embodiment further includes an order information generating unit 1401 that generates order information in which consideration information from multiple candidate destination servers 104 is ordered based on a predetermined rule established for the consideration, and the consideration information transmitting unit 209 transmits the consideration information associated with the order information to the payer terminal 102. This enables the payer terminal 102 to display information including the order and obtain destination information from the payer. This can increase convenience for the payer.

In the electronic value management device 101A, the consideration information transmission unit 209 may transmit consideration information that satisfies a predetermined ranking to the payer terminal based on the order information. This allows the options available to the payer when making a selection to be limited in advance, increasing convenience for the payer.

The electronic value management device 101B of the third embodiment further includes a destination information generation unit 1603 that acquires predetermined rules from a rule memory unit 1602 in which predetermined rules set for compensation are stored, and generates destination information based on the predetermined rules and compensation information from a plurality of candidate destination servers 104, and the provided information transmission unit transmits transaction information of the target transaction to the destination terminal based on the generated destination information.
This enables the payer to have the electronic value management device 101B, rather than the payer himself, select the recipient depending on certain conditions, thereby improving convenience for the payer.

The electronic value management device 101B further includes a rule acquisition unit 1601 that acquires predetermined rules from the payer terminal 102 of the payer and stores them in a rule storage unit 1602. This allows the payer to set the rules, improving convenience for the payer.

In the electronic value management devices 101, 101A, and 101B, the consideration information acquisition unit 208 acquires consideration information that includes refund information indicating the amount to be refunded to the payer from the amount deposited for the transaction amount. This makes it possible to standardize the criteria for comparing the consideration generated by each recipient, making it easier to select a payer and improving convenience.

In the electronic value management devices 101, 101A, and 101B, the characteristic information generation unit generates transaction characteristic information based on payer information acquired from the payer information storage unit 203 in which payer information indicating the attributes of the payer is stored, and the provided information transmission unit 211 transmits provided information based on the payer information and the transaction information of the target transaction to the destination server 104 based on the destination information. This makes it possible to increase the value of the provided information and to provide the payer with better compensation.

In the electronic value management device 101 according to the fourth embodiment, the payer information storage unit 203 stores permission information indicating payer information permitted by the payer to be provided to the recipient in association with the payer information, and the characteristic information generation unit 206 generates transaction characteristic information based on the permitted payer information. This allows the payer providing the information to balance his or her own information with the compensation for the provided information, improving the convenience for the payer.

In the electronic value management devices 101, 101A, and 101B, the characteristic information generation unit 206 acquires recipient information from the recipient information storage unit 204, which stores recipient information, which is information indicating the attributes of the recipient of the transaction, and generates transaction characteristic information based on the recipient information. The provided information transmission unit 211 transmits provided information based on the recipient information and the transaction information of the target transaction to the destination server 104 based on the destination information. This makes it possible to increase the value of the provided information and to provide the payer with better compensation.

In the electronic value management devices 101, 101A, and 101B, the transaction memory unit 202 stores information about the location of the transaction as part of the transaction information, and the characteristic information generation unit 206 generates transaction characteristic information based on the information about the location. This can increase the value of the provided information, enabling the payer to be provided with better value.

In the electronic value management devices 101, 101A, and 101B, for transactions in which the payer uses a means of transportation, the transaction memory unit stores information about the travel route of the travel using the means of transportation as part of the transaction information, and the characteristic information generation unit 206 generates transaction characteristic information based on the information about the travel route. This makes it possible to increase the value of the provided information and to provide the payer with better value.

The destination server 104 includes a characteristic information acquisition unit 1203 that acquires transaction characteristic information from the electronic value management device 101 based on the transaction information of the target transaction, a consideration information generation unit 1204 that generates consideration information based on the transaction characteristic information, and a consideration information transmission unit 1205 that transmits the consideration information to the electronic value management device 101. This enables the electronic value management device 101 to acquire the consideration information.

The payer terminal 102 includes a consideration information acquisition unit 1103 that acquires consideration information from the electronic value management device 101, a destination information acquisition unit 1104 that acquires destination information, and a destination information transmission unit 1105 that transmits the destination information to the electronic value management device 101. This enables the payer to transmit destination information based on the consideration information to the electronic value management device 101.

The above-described embodiments are intended to facilitate understanding of the present invention, and are not intended to limit the present invention. The elements and conditions of the embodiments are not limited to those exemplified, and may be modified as appropriate. In addition, configurations shown in different embodiments may be partially substituted or combined.

10...electronic value management system, 101, 101A, 101B...electronic value management device,
102, 102A... payer terminal, 103a, 103b, 103c... recipient terminal, 104a, 104b, 104c... recipient server, 202... transaction memory unit, 203... payer information memory unit, 204... recipient information memory unit, 205... transaction information acquisition unit, 206... characteristic information generation unit, 207... characteristic information transmission unit, 208... consideration information acquisition unit, 209... consideration information transmission unit, 210... recipient information acquisition unit, 211... provided information transmission unit, 212... balance update unit, 1401... order information generation unit, 1601... rule acquisition unit, 1602... rule memory unit, 1603... recipient information generation unit

Claims (20)

On the computer,
a transaction information acquisition process for acquiring, from a transaction memory unit in which transaction information indicating a transaction using electronic value is stored, transaction information of a target transaction, which is at least one transaction by a payer of the transaction;
a characteristic information generation process for generating transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction;
a characteristic information transmission process for transmitting the transaction characteristic information to a plurality of candidate terminals which are to be provided with information indicating the content of the transaction in more detail than the transaction characteristic information ;
a compensation information acquisition process for acquiring compensation information, which indicates a compensation for the provided information and is generated based on the transaction characteristic information, from the plurality of candidate terminals;
a destination information acquisition process for acquiring destination information indicating the destination selected from the plurality of candidates based on the consideration information;
a provision information transmission process for transmitting the provision information to the selected destination terminal based on the provision destination information;
a balance update process for updating balance information of the electronic value of the payer based on the consideration information from the selected provider ;
A program to execute. The program according to claim 1,
The computer includes:
a payment information transmission process for transmitting the payment information from the plurality of candidate terminals to a payer terminal of the payer;
The destination information acquisition process includes:
acquiring the recipient information selected based on the consideration information from the payer terminal;
program. The program according to claim 2,
The computer includes:
and generating order information by ordering the consideration information from the plurality of candidate terminals based on a predetermined rule set for the consideration,
The compensation information transmission process includes:
A program for transmitting the consideration information associated with the order information to the payer terminal. The program according to claim 3,
The compensation information transmission process includes:
A program for transmitting the consideration information that satisfies a predetermined ranking to the payer terminal based on the order information. The program according to claim 1,
The computer includes:
a destination information generating process for acquiring a predetermined rule set for the consideration from a rule storage unit in which the predetermined rule is stored, and generating the destination information based on the predetermined rule and the consideration information from the plurality of candidate terminals;
The provided information transmission process transmits the provided information to the destination terminal based on the generated provided information. The program according to claim 5,
The computer includes:
the program further executing a rule acquisition process for acquiring the predetermined rule from the payer terminal of the payer and storing the rule in the rule storage unit. The program according to any one of claims 1 to 5,
The consideration information acquisition process is a program for acquiring the consideration information including refund information indicating the amount to be refunded to the payer as the consideration . The program according to any one of claims 1 to 7,
the characteristic information generation process generates the transaction characteristic information based on payer information obtained from a payer information storage unit in which payer information indicating attributes of the payer is stored;
The provided information sending process is a program for sending the provided information based on the payer information and the transaction information of the target transaction to the destination terminal based on the destination information. The program according to claim 8,
The payer information storage unit stores permission information indicating the payer information permitted by the payer to be provided to the destination in association with the payer information,
The characteristic information generation process generates the transaction characteristic information based on the authorized payer information. The program according to any one of claims 1 to 9,
The characteristic information generation process includes acquiring recipient information from a recipient information storage unit in which recipient information indicating attributes of a recipient of the transaction is stored, and generating the transaction characteristic information based on the recipient information;
The provided information sending process is a program that sends the provided information based on the recipient information and the transaction information of the target transaction to the destination terminal based on the destination information. The program according to any one of claims 1 to 10,
The transaction storage unit stores information about the location of the transaction in the transaction information,
The characteristic information generation process generates the transaction characteristic information based on information about the location. The program according to any one of claims 1 to 11,
The transaction storage unit stores, for a transaction in which the payer uses a means of transportation, information regarding a travel route of the travel using the means of transportation, the information being included in the transaction information;
The characteristic information generation process generates the transaction characteristic information based on information regarding the travel route. a transaction memory unit in which transaction information indicating a transaction using electronic value is stored;
a transaction information acquisition unit that acquires the transaction information of a target transaction, the target transaction being at least one transaction by a payer of the transaction;
a characteristic information generating unit that generates transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction;
a characteristic information transmitting unit that transmits the transaction characteristic information to a plurality of candidate terminals that are to be provided with information indicating the content of the transaction in more detail than the transaction characteristic information ;
a compensation information acquisition unit that acquires compensation information indicating a compensation for the provided information and generated based on the transaction characteristic information from the plurality of candidate terminals;
a destination information acquisition unit that acquires destination information indicating the destination selected from the plurality of candidates based on the consideration information;
a provision information transmitting unit that transmits the provision information to the destination terminal selected based on the provision destination information;
and a balance updating unit that updates balance information of the electronic value of the payer based on the consideration information from the selected recipient . On the computer,
acquiring, from a transaction memory unit in which transaction information indicating a transaction using electronic value is stored, transaction information of a target transaction, which is at least one transaction by a payer of the transaction;
generating transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction;
Transmitting the transaction characteristic information to a plurality of candidate terminals that are to be provided with information indicating the content of the transaction in more detail than the transaction characteristic information ;
acquiring, from the plurality of candidate terminals, compensation information indicating a compensation for the provided information and generated based on the transaction characteristic information;
acquiring destination information indicating the destination selected from the plurality of candidates based on the consideration information;
transmitting the transaction information of the target transaction to the selected terminal of the recipient based on the recipient information;
and updating balance information of the electronic value of the payer based on the consideration information from the selected recipient . On the computer,
a characteristic information acquisition process for acquiring, from a terminal, transaction characteristic information indicating characteristics of a target transaction based on transaction information of a target transaction which is at least one transaction by a payer of the transaction, among transaction information indicating transactions using electronic value;
a compensation information generation process for generating compensation information indicating a compensation for provided information indicating the content of the transaction in more detail than the transaction characteristic information based on the transaction characteristic information;
A consideration information transmission process for transmitting the consideration information to the terminal. The program according to claim 15,
The computer includes:
a deposit information generation process for generating, when the computer acquires the provided information of the target transaction from the terminal based on the consideration information, deposit information indicating a deposit of an amount corresponding to a transaction amount of the target transaction from another value different from the electronic value and associated with the computer to the electronic value of the payer;
and a deposit information transmission process for transmitting the deposit information to the terminal. A program,
On the computer,
a value information acquisition process for acquiring, from a terminal, value information indicating a value for provided information indicating details of a transaction in more detail than the transaction characteristic information, based on transaction characteristic information indicating characteristics of a target transaction based on transaction information of a target transaction which is at least one transaction by a payer of the transaction among transaction information indicating a transaction using electronic value;
a destination information acquisition process for acquiring destination information indicating a destination selected based on the consideration information from among a plurality of candidates that are destinations of the provision information based on the transaction information of the target transaction;
a destination information transmission process for transmitting the destination information to the terminal. 18. The program according to claim 17,
The computer includes:
A payer information acquisition process for acquiring payer information which is information indicating attributes of the payer;
and a payer information transmission process for transmitting the payer information to the terminal.
The consideration information acquisition process is a program that acquires the consideration information based on the transaction characteristic information including the payer information from the terminal. 20. The program of claim 18,
The computer includes:
an authorization information acquisition process for acquiring authorization information indicating the payer information authorized by the payer to be provided to the destination;
and further executing a permission information transmission process for transmitting the permission information to the terminal.
The consideration information acquisition process is a program that acquires the consideration information based on the transaction characteristic information including the authorized payer information from the terminal. An electronic value management device;
A plurality of destination terminals;
A payer terminal,
The electronic value management device includes:
a transaction memory unit in which transaction information indicating a transaction using electronic value is stored;
a transaction information acquisition unit that acquires the transaction information of a target transaction, the target transaction being at least one transaction by a payer of the transaction;
a characteristic information generating unit that generates transaction characteristic information indicating characteristics of the target transaction based on the transaction information of the target transaction;
a characteristic information transmitting unit that transmits the transaction characteristic information to a plurality of destination terminals that are candidates for destinations of information indicating the content of the transaction in more detail than the transaction characteristic information;
a first compensation information acquisition unit that acquires compensation information from the plurality of destination terminals, the compensation information indicating a compensation for the provided information and generated based on the transaction characteristic information;
a first destination information acquisition unit that acquires destination information indicating the destination selected from the plurality of candidates based on the consideration information;
a first provision information transmitting unit configured to transmit the provision information to the selected provision destination terminal based on the provision destination information;
a balance updating unit that updates balance information of the electronic value of the payer based on the consideration information from the selected provider ,
The plurality of destination terminals include
a characteristic information acquisition unit that acquires the transaction characteristic information from the electronic value management device based on the transaction information of the target transaction;
a consideration information generating unit that generates the consideration information based on the transaction characteristic information;
a value information transmission unit that transmits the value information to the electronic value management device;
The payer terminal includes:
a second value information acquisition unit that acquires the value information from the electronic value management device;
A second destination information acquisition unit that acquires the destination information;
a second destination information transmission unit that transmits the destination information to the electronic value management device.

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