JP2004326199A - Digital wallet system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a digital wallet system setting the exchange rate of the price and the points for each member store. <P>SOLUTION: This digital wallet system stores the points obtained by converting a capital managed in a user capital account 101 depending on the instruction 103 of a user to a user the point account 102 preliminarily. When the user purchases merchandise or uses a service in a member store, the price is converted into points according to the exchange rate 105 set for each member store, and the quantity of those points is moved from the user point account 102 to a member store point account 104. Thus, it is possible to set the exchange rate for each member store, and to execute the enclosure of users. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a digital wallet system. That is, the present invention relates to a system for converting funds into points and performing settlement using the converted points.
[0002]
[Prior art]
Conventionally, settlement by a debit card has been performed (for example, see Non-Patent Document 1). In this debit card, payment at a store or the like is performed by presenting a bank cash card and using a bank account. Unlike a credit card, such a payment has the advantage that it is not possible to make a purchase exceeding the amount of the deposit, so that there is no excess of debt.
[0003]
In addition, a so-called point card system that converts a certain percentage of the amount of money purchased at a store or the like, for example, by converting one yen into one point and storing it as a point, and converting one point into one yen when shopping is used. (For example, see Non-Patent Document 2). With such a system, it is possible to, for example, enclose purchases of consumers.
[0004]
[Non-patent document 1]
Japan Debit Card Promotion Association, [online], October 2002, [Search April 14, 2003], Internet <http: // www. debitcard. gr. jp / ＞
[0005]
[Non-patent document 2]
Yodobashi Camera Co., Ltd., [online], [searched on April 14, 2003], Internet <http: // www. yodobashi. com / enjoy / customer2. jsp>
[0006]
[Problems to be solved by the invention]
With a debit card, you can't buy more than the deposit amount, but if you need to keep a certain amount, for example, a few days after your credit card or utility bill is debited, you can accurately store the deposit amount. Unless a debit card is used, there is a problem that the fixed amount cannot be held.
[0007]
Also, in the point card system, there is no relationship between points and bank deposits, so the above-mentioned problem does not occur.However, since the purpose is to enclose customers, there is a problem that it can only be used at specific stores. I do. In addition, there is a problem that the conversion rate when shopping with points is constant, and it is impossible to directly convert points into cash.
[0008]
Therefore, an object of the present invention is to provide a system that can secure a certain amount in a deposit account and that can use different conversion rates for each store without being limited to a specific store. .
[0009]
[Means for Solving the Problems]
In order to solve this problem, according to the present invention, a unit that manages user funds, a unit that converts user funds and holds them as points, a unit that holds member store points, and a user When a command for converting funds into points is input, the section for converting funds into points in accordance with the command is provided, and the consideration to be paid at the merchant is converted into points according to the conversion rate, and the points are joined by the user from the member. Provide a system to move to the store.
[0010]
This solves the problem because the user can designate points that can be used for shopping while securing a certain amount of the fund. In addition, since the system of the present invention is operated by an operating entity that does not belong to a company that operates a specific store, a wide range of stores can be made a member store, and thus the problem is solved. Further, since the conversion rate can be set for each member store, the problem is solved.
[0011]
The points of the member store may be converted into funds. Thereby, the member store can obtain the fund. Further, it becomes possible to obtain funds for operating the system of the present invention.
[0012]
Further, a history of point movement may be held. This makes it possible to prepare for a failure in the system. Further, an advantageous conversion rate can be used for a person who purchases frequently at the store.
[0013]
In addition, the mail magazine may be distributed based on the history of point movement. Thereby, the member store can provide information such as advertisement to the customer.
[0014]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings. It should be noted that the present invention is not limited to these embodiments at all, and can be implemented in various modes without departing from the gist thereof.
[0015]
(Embodiment 1 (mainly related to claim 1))
[0016]
As a first embodiment of the present invention, a unit that manages a user's fund, a unit that converts a user's fund and holds it as a point, a unit that holds a point of a member store, When a command to be converted is input, a unit is provided for converting funds into points in accordance with the command, and the value to be paid at the member store is converted into points according to the conversion rate, and the points are transferred from the user to the member store. The system will be described.
[0017]
(Embodiment 1: Overview)
[0018]
FIG. 1 illustrates the outline of the present invention. The user fund account 101 is an account for managing user funds. For example, a bank account. The funds managed in the user fund account 101 are converted into points and held in the user point account 102. At this time, the user's instruction 103 instructs how much of the funds managed in the user fund account 101 is to be converted into points.
[0019]
When the user performs shopping or the like at a member store, points corresponding to the purchase or the like are transferred from the user point account 102 to the member store point account 104. At this time, the member store acquires the conversion rate (105) and converts the consideration into points.
[0020]
(Embodiment 1: Configuration)
[0021]
FIG. 2 illustrates a functional block diagram of the digital wallet system according to the present embodiment. The digital wallet system according to the present invention includes a point server device 201, a user terminal 202, and a member store point processing device 203.
[0022]
(Embodiment 1: Information flow)
[0023]
FIG. 3 is a sequence diagram illustrating a flow of information among the point server device 201, the user terminal 202, and the member store point processing device 203.
[0024]
First, a point conversion command, which is a command for converting funds into points, is transmitted from the user terminal to the point server device (step S301).
[0025]
Thereafter, when the user makes a purchase or the like at the member store and makes a payment, purchase point information for moving points for payment is transmitted from the member store point processing device to the point server device (step S302). When the point transfer is completed, point transfer completion information is transmitted from the point server device to the member store point processing device (step S303).
[0026]
(Embodiment 1: Point server device)
[0027]
The point server device 201 includes a user fund management unit 204, a user point management unit 205, a member store point management unit 206, a point conversion command acquisition unit 207, a point conversion command execution unit 208, and a purchase point acquisition unit. 209, a point movement unit 210, and a point movement completion information output unit 211.
[0028]
The “user fund management unit” 204 is a unit for managing funds for purchasing points. For example, the amount of the fund is stored in the form of a table for each user. Such storage can be realized using a computer by using a relational database system.
[0029]
The “user point management unit” 205 converts funds into points and holds them as points. Here, the “fund” is a fund managed by the user fund management unit 204. The user point management unit 205 may also be realized by storing the amount of the points in the form of a table for each user.
[0030]
The “member store point management unit” 206 holds the member store points. The member store point management unit 206 may also be realized by storing the amount of points in a table format for each member store. In FIG. 2, the user fund management unit 204, the user point management unit 205, and the member store point management unit 206 are independent as separate units. May be realized.
[0031]
The “point conversion command obtaining unit” 207 obtains a point conversion command which is a command for holding the points obtained by converting the funds managed by the user fund management unit 204 in the user point management unit 205. For example, a point conversion command transmitted through a wireless line or a wired line is acquired. This point conversion command includes the user ID, the amount of funds to be converted, or the amount of points obtained by conversion.
[0032]
The “point conversion command execution unit” 208 executes the point conversion command acquired by the point conversion command acquisition unit 207. For example, if the user ID is 284729 and the amount of funds to be converted is 5000 yen, the amount of funds of the user ID specified by 284729 is reduced by 5000 yen and a point corresponding to 5000 yen is added to the point conversion command. I do. If one yen is converted into one point, 5000 points will be added.
[0033]
The “purchase point acquisition unit” 209 acquires purchase point information that is information for moving points from the user point management unit 205 to the member store point management unit 206. For example, purchase point information transmitted through a wireless line or a wired line is acquired. The purchase point information includes the user ID, the member store ID, and the amount of points to be moved. If necessary, a password for authenticating a user, a password for authenticating a member store, a purchased product name, and / or a service name may be included.
[0034]
The “point mover” 210 moves points from the user point manager 205 to the member store point manager 206 based on the purchase point information acquired by the purchase point acquirer 209. For example, if the purchase point information indicates that 4000 points of the points with the user ID of 284729 are to be the points of the member store ID of 582102, the points held by the user point management unit are only 4000 points. Then, the points held by the member store point management unit 206 are increased by 4000.
[0035]
The “point movement completion information output unit” 211 outputs point movement completion information, which is information indicating that the point movement by the point movement unit 210 has been completed.
[0036]
(Embodiment 1: user terminal)
[0037]
The user terminal 202 has a terminal point conversion command acquisition unit 212 and a point conversion command output unit 213.
[0038]
The “terminal point conversion command acquisition unit” 212 acquires a point conversion command from the user.
[0039]
FIG. 4 shows how a conversion point conversion command is obtained from a user. The user terminal 400 is, for example, a mobile phone. When the amount of funds to be converted into points is input in a column 402 displayed on a screen 401 and a button 403 is pressed, a point conversion command is acquired and the next Are output by the point conversion command output unit 213 described in FIG.
[0040]
The “point conversion command output unit” 213 outputs the point conversion command acquired by the terminal point conversion command acquisition unit 212.
[0041]
(Embodiment 1: Example of point conversion)
[0042]
FIG. 5 shows how the point server 201 executes the point conversion command after the point conversion command is output.
[0043]
(1) shows the state before executing the point conversion command. The table 501 of the user fund management unit 204 indicates that the fund of the user ID of 284729 is 100,000 yen, and the table 502 of the user point management unit indicates that the point of the user ID of 284729 is 3, 000 points.
[0044]
(2) shows the state after the point conversion command for converting 5000 yen into points acquired by the screen illustrated in FIG. The amount of funds managed by the user fund management unit becomes 95,000 yen and decreases by 5,000 yen. Instead, the amount of points held by the user point management unit increases by 5,000 points. , 8,000 points.
[0045]
(Embodiment 1: Process flow of user terminal)
[0046]
FIG. 6 exemplifies a flowchart for explaining the flow of processing of the user terminal. In step S601, the terminal point conversion command acquisition unit 212 acquires a point conversion command. In step S602, the point conversion command output unit 213 outputs a point conversion command. After step S602, information indicating that the point conversion command has been issued or that the point conversion command has not been performed for some reason may be obtained. Further, the user ID and information for authentication may be acquired before or after execution of S601.
[0047]
(Embodiment 1: Process Flow of Point Server Device)
[0048]
FIG. 7 exemplifies a flowchart for explaining the processing performed by the point server device in response to the processing illustrated in FIG. 6 being performed by the user terminal.
[0049]
In step S701, the point conversion command acquisition unit 207 acquires a point conversion command.
[0050]
In step S702, it is determined whether the balance of funds is sufficient. That is, it is determined whether or not the fund balance is larger than the fund to be converted into points by the point conversion command. This determination is made, for example, by the point conversion command execution unit 208. If the funds are not sufficient, the process proceeds to step S703, and an error is notified to a user terminal or the like. On the other hand, if the funds are sufficient, the process proceeds to step S704.
[0051]
In step S704, the fund indicated by the point conversion command is reduced.
[0052]
In step S705, points corresponding to the reduced funds are increased.
[0053]
After step S705 is executed, information indicating that the conversion into points has been completed may be output to a user terminal or the like.
[0054]
(Embodiment 1: Member store point processing device)
[0055]
The member store point processing device 203 includes a rate information acquisition unit 214, a consideration acquisition unit 215, a point conversion unit 216, a purchase point output unit 217, and a point transfer completion information acquisition unit 218.
[0056]
The “rate information acquisition unit” 214 acquires rate information that is information for converting the amount of consideration for goods or services into points. As an example of the rate information, there is information indicating that one yen is converted into 1.5 points. When the rate information acquisition unit 214 acquires the rate information, for example, it acquires the rate information held inside the member store point processing device 203 and the case where the rate information is held outside the member store point processing device 203. There is a case where the rate information is obtained.
[0057]
The “acquisition unit” 215 acquires the value of the goods purchased by the user or the services used by the user. When the consideration acquisition unit 215 acquires the compensation amount, the user ID may also be acquired.
[0058]
FIG. 8 shows an example of a screen for the member store point processing device to acquire the amount of consideration and the user ID. On screen 801, 284729 is input as the user ID, and 5,000 yen is input as the payment amount. In this case, the consideration acquisition unit 215 acquires information indicating at least 5,000 yen.
[0059]
The “point conversion unit” 216 converts the value of the price acquired by the price acquisition unit 215 into points based on the rate information acquired by the rate information acquisition unit 214. For example, if the amount of consideration is 5,000 yen and the rate information is "1.5 points per yen", 5,000 yen is converted to 7,500 points.
[0060]
The “purchase point output unit” 217 outputs the points converted by the point conversion unit as purchase point information for moving from the user point management unit 205 of the point server device 201 to the member store point management unit 206.
[0061]
The “point transfer completion information acquisition unit” 218 acquires the point movement completion information output based on the purchase point information output by the purchase point output unit 217.
[0062]
(Embodiment 1: Example of transfer of points from user point management unit to member store point management unit)
[0063]
FIG. 9 illustrates the transfer of points from the user point management unit to the member store point management unit. (1) shows the state before the movement of the point, and (2) shows the state after the movement of the point.
[0064]
Before moving the points, it is assumed that the user having the user ID of 284729 holds 8,000 points, and the member store having the member store ID of 581022 holds 1,153,444 points.
[0065]
Assuming that the purchase point information indicates 4,000 points, the points held by the user point management unit are 4,000 points, and the points held by the member store point management unit are 1,157. , 444 points.
[0066]
(Embodiment 1: Processing flow of member store point processing device)
[0067]
FIG. 10 exemplifies a flowchart for explaining the processing flow of the member store point processing device.
[0068]
In step S1001, the consideration acquisition unit 215 acquires the amount of the consideration.
[0069]
In step S1002, the rate information acquisition unit 214 acquires rate information.
[0070]
In step S1003, the point conversion unit 216 converts the value of the consideration into points.
[0071]
In step S1004, the purchase point output unit 217 outputs the points converted from the consideration amount as purchase point information.
[0072]
Thereafter, the point movement completion information acquisition unit 218 may acquire the point movement completion information, and may issue, for example, a receipt or a receipt.
[0073]
(Embodiment 1: Process Flow of Point Server Device)
[0074]
FIG. 11 exemplifies a flowchart illustrating a process performed by the point server device in response to the process illustrated in FIG. 10 being performed by the member store point processing device.
[0075]
In step S1101, the purchase point acquisition unit 209 acquires purchase point information.
[0076]
In step S1102, the point moving unit 210 subtracts points from the user point management unit.
[0077]
In step S1103, the point transfer unit 210 increases the points of the member store point management unit.
[0078]
Thereafter, the point movement completion information output unit 211 may output the point movement completion information. Prior to the execution of step S1102, the user point management unit 205 is checked whether or not sufficient points are held, and if not, an error is notified. May be. Holding sufficient points means, for example, that points of an amount equal to or greater than points to be moved in the acquired purchase point information are held.
[0079]
(Embodiment 1: Main effects)
[0080]
In addition, since the rate information can be different for each member store, the member stores can individually set the rate information and provide services to customers.
[0081]
(Embodiment 2 (mainly related to claim 2))
[0082]
Second Embodiment As a second embodiment of the present invention, a digital wallet system capable of holding points held in a member store point management unit as funds will be described.
[0083]
(Embodiment 2: Configuration)
[0084]
FIG. 12 illustrates a functional block diagram of the digital wallet system according to the present embodiment. In the digital wallet system according to the present embodiment, the point server device according to the first embodiment further includes a member store cash management unit 1201, a member store point cashing command acquisition unit 1202, and a member store point cashing command execution unit 1203. In addition, the member store point processing device of the first embodiment further includes a member store point redemption command output unit 1204.
[0085]
(Embodiment 2: Point server device)
[0086]
The “member store fund management unit” 1201 holds the fund of the member store. As described in the user fund management unit 204, the user point management unit 205, and the member store point management unit 206, the amount of points may be stored in a table.
[0087]
The “member store point cashing command acquisition unit” 1202 obtains a member store point cashing command which is a command for converting the points held in the member store point management unit 206 into funds and moving to the member store fund management unit. I do. The member store point redemption command is mainly output from the member store point redemption device, and the member store point redemption command acquisition unit 1202 acquires the output. The member store point redemption command may include information on how much of the member store ID, authentication information, and points held in the member store point management unit 206 are to be redeemed.
[0088]
The “member store point cashing command execution unit” 1203 executes the member store point cashing command acquired by the member store point cashing command acquisition unit 1202. For example, a process that is the reverse of the process of the point conversion command execution unit 208, that is, a process that uses points as funds, is performed. Note that the conversion ratio when converting points into funds may be different from the conversion ratio when converting funds into points in the point conversion command execution unit 208. For example, while the point conversion command execution unit 208 converts one yen into one point, the member store point conversion command execution unit 1203 may convert one point into 0.99 yen. By providing such a difference, it becomes possible to collect the operating cost of the point server device.
[0089]
(Embodiment 2: Processing of point server device)
[0090]
FIG. 13 exemplifies a flowchart for explaining the processing flow of the point server device in the present embodiment.
[0091]
In step S1301, a member store point redemption command acquisition unit 1202 acquires a member store point redemption command.
[0092]
In step S1302, the member store point cashing instruction execution unit 1203 subtracts the points held in the member store point management unit 206.
[0093]
In step S1303, the affiliated store point redemption command execution unit 1203 adds funds corresponding to the reduced points to the affiliated store fund management unit.
[0094]
(Embodiment 2: Member store point processing device)
[0095]
The “member store point redemption command output unit” 1204 outputs a member store point redemption command. The output timing is, for example, when a predetermined time has arrived, or when the operator of the member store point processing device 203 has performed a predetermined operation such as pressing a specific button.
[0096]
(Embodiment 2: Main effects)
[0097]
According to the present embodiment, it is possible to convert the points held by the member store point management unit into funds. This makes it possible to obtain cash with high liquidity. In addition, by providing a difference between the rate at which funds are converted into points and the rate at which points are converted into funds, it becomes possible to obtain operating funds for a digital wallet system such as a point server device.
[0098]
(Embodiment 3 (mainly related to claim 3))
[0099]
As a third embodiment of the present invention, a digital wallet system including a point server device that retains a point movement history will be described.
[0100]
(Embodiment 3: Configuration)
[0101]
FIG. 14 illustrates functional block portions of the point server device of the digital wallet system according to the present embodiment. In the configuration of the point server device of the present embodiment, the point server device of the first embodiment has a point movement history unit 1401.
[0102]
The “point movement history section” 1401 manages a history of point movement by the point movement section 210. The management of the movement history of the points can be performed using, for example, a table of a relational database.
[0103]
FIG. 15 shows an example of managing the history of point movement using a table. In FIG. 15A, the history of which user has used what points at which merchant and how many points is managed by a table having attributes of date and time of point movement, user ID, member store ID, and points. I do. FIG. 15 (b) further manages which merchandise points have been moved in exchange for purchases. In order to manage the name of a product as shown in FIG. 15B, for example, the name of the product is included in the purchase point information, or information indicating the name of the product is obtained along with the purchase point information. It is necessary to be able to.
[0104]
(Embodiment 3: Main effects)
[0105]
According to the present embodiment, since the history of point movement is managed, for example, even if a failure occurs in the point server device, it is possible to recover using the history of point movement.
[0106]
(Embodiment 4 (mainly related to claim 4))
[0107]
As a fourth embodiment of the present invention, a digital wallet system to which a mail magazine can be distributed will be described.
[0108]
(Embodiment 4: Configuration)
[0109]
FIG. 16 illustrates functional block portions of the point server device of the digital wallet system according to the present embodiment. The configuration of the point server device according to the present embodiment is such that the point server device according to the third embodiment includes an e-mail magazine document acquisition unit 1601 and an e-mail magazine distribution unit 1602.
[0110]
An “e-mail magazine document acquisition unit” 1601 acquires an e-mail magazine document including information on a member store.
[0111]
FIG. 17 shows an example of a screen for acquiring a mail magazine document. The mail magazine document acquisition unit 1601 acquires a mail magazine from the screen 1701, for example. In FIG. 17, the member store information is indicated by, for example, a member store ID 582102. The screen 1701 is displayed on, for example, an input / output device connected to the point server device 201, or displayed on a member store point processing device, a personal computer, or the like, so that a mail magazine document can be input. You may.
[0112]
The “e-mail magazine distribution unit” 1602 distributes the e-mail magazine whose document has been acquired by the e-mail magazine document acquisition unit based on the point movement history managed by the point movement history unit 1401.
[0113]
The distribution of the mail magazine by the mail magazine distribution unit 1602 may be performed, for example, as a reply to the point conversion command when the user terminal 202 outputs the command. Also, at this time, the history managed by the point movement history section 1401 detects whether the user of the user terminal 202 has made a shopping at a member store whose information is included in the mail magazine. The mail magazine may be distributed only when the user has done shopping.
[0114]
As illustrated in FIG. 18, a table 1801 that associates a user ID with a mail address may be held inside the point server device 201 or at a location accessible from the point server device 201. In this case, when the e-mail magazine is acquired by the e-mail magazine document acquisition unit 1601, the user ID of a user who has shopped at a member store whose information is included in the e-mail magazine is acquired. A mail address may be acquired from the user ID, and a mail magazine may be distributed to the mail address.
[0115]
When searching for histories managed by the point movement history unit 1401, instead of searching for all histories, for example, users who have made shopping within the past two weeks are searched. Is also good. The search condition “within two weeks” may be held by the mail magazine distribution unit 1602 or may be included in the mail magazine acquired by the mail magazine document acquisition unit 1601.
[0116]
(Embodiment 4: Main effects)
[0117]
According to the present embodiment, the mail magazine can be distributed to the user, so that the member store can be advertised. Further, the advertisement can encourage the user to use the digital wallet system.
[0118]
(Embodiment 5 (mainly related to claim 5))
[0119]
In a fifth embodiment of the present invention, a digital wallet system in which a rate is determined based on a purchase history will be described.
[0120]
(Embodiment 5: Configuration)
[0121]
FIG. 19 illustrates a functional block diagram of the digital wallet system according to the present embodiment. The digital wallet system according to the present embodiment is configured such that the member store point processing device of the digital wallet system according to the third embodiment further includes a point movement history search unit 1901 and a rate information generation unit 1920.
[0122]
The “point movement history search unit” 1901 searches for a point movement history managed by the point movement history unit 1401. Search conditions include a user ID and a member store ID. The user ID is an ID for identifying a user who intends to settle the price, and the member store ID is an ID for identifying a member store in which the member store point processing device 203 is installed. By searching based on such conditions, for example, whether or not the user has done shopping at the member store, how many times, if any, how much shopping has been done, How many points are there?
[0123]
The “rate information generation unit” 1902 generates rate information based on the result of the search for the history managed by the point movement history unit 1401 by the point movement history search unit 1901. For example, when the user does shopping for the first time, rate information advantageous to the user is generated. Alternatively, if the user is shopping frequently, an advantageous rate is generated according to the frequency. Also, rate information is generated based on the total amount of shopping. How the rate information is generated is determined by the member store. For example, a member store creates a program for generating rate information and installs the program in the rate information generating unit.
[0124]
The rate information generated by the rate information generation unit 1902 is acquired by the rate information acquisition unit 214.
[0125]
(Embodiment 5: Process flow)
[0126]
FIG. 20 exemplifies a flowchart for explaining the processing flow of the member store point processing device.
[0127]
In step S2001, the point movement history search unit 1902 generates an expression for searching for a point movement history. In step S2002, a search is performed using the generated expression, and the result is obtained.
[0128]
In step S2003, the rate information generator 1902 generates rate information based on the search result.
[0129]
After step S2003, the processing of the flowchart illustrated in FIG. 10 is performed.
[0130]
(Embodiment 5: Main effects)
[0131]
According to the present embodiment, rate information can be determined according to the shopping history of the user, services can be provided to the user, and the user can be enclosed. How the rate information is determined can be determined by the member store independently.
[0132]
【The invention's effect】
As described above, according to the present invention, a user can designate points that can be used for shopping while securing a fixed amount of the fund. In addition, since a rate for converting the value and the points can be determined for each member store, it is possible to enclose users and the like.
[Brief description of the drawings]
FIG. 1 is a diagram showing an outline of the present invention.
FIG. 2 is a functional block diagram of a first embodiment.
FIG. 3 is a sequence diagram of the first embodiment.
FIG. 4 is an example of a state in which a conversion point conversion command is obtained from a user.
FIG. 5 is an example of an operation of a point conversion command execution unit.
FIG. 6 is a flowchart of a user terminal.
FIG. 7 is a flowchart of a point server device.
FIG. 8 is an example of a screen for acquiring the amount of consideration;
FIG. 9 is a diagram illustrating an example of an operation of a point moving unit.
FIG. 10 is a flowchart of a member store point processing device.
FIG. 11 is a flowchart of a point server device.
FIG. 12 is a functional block diagram of a second embodiment.
FIG. 13 is a functional block diagram of a point server device.
FIG. 14 is a functional block diagram of a third embodiment.
FIG. 15 is a diagram illustrating an example of a table for managing a history of movement of points;
FIG. 16 is a functional block diagram of a third embodiment.
FIG. 17 is a diagram illustrating an example of a screen for acquiring an original of a mail magazine.
FIG. 18 is an example of a table for associating a user ID with a mail address;
FIG. 19 is a functional block diagram of a fifth embodiment.
FIG. 20 is a flowchart of a member store point processing device.
[Explanation of symbols]
101 User fund account
102 User point account
103 Merchant Point Account
104 User instructions
105 Conversion rate

Claims (5)

A point server device,
User terminals,
Merchant point processing device,
A digital wallet system comprising
The point server device
A user fund management unit for managing funds for purchasing points,
A user point management unit that converts the funds into points and holds the points as points;
A merchant point management department that holds merchant points,
A point conversion command acquisition unit that acquires a point conversion command that is a command for holding a point obtained by converting the fund managed by the user fund management unit in the user point management unit;
A point conversion command execution unit that executes the point conversion command acquired by the point conversion command acquisition unit,
A purchase point acquisition unit that acquires purchase point information that is information for moving points from the user point management unit to the member store point management unit;
A point moving unit that moves points from the user point management unit to the affiliated store point management unit based on the purchase point information acquired by the purchase point acquisition unit;
A point movement completion information output unit that outputs point movement completion information that is information indicating that the movement of the point by the point moving unit has been completed,
Has,
User terminal
A terminal point conversion command obtaining unit for obtaining a point conversion command from a user,
A point conversion command output unit that outputs the point conversion command acquired by the terminal point conversion command acquisition unit,
Has,
Merchant point processing equipment
A rate information acquisition unit that acquires rate information that is information for converting the amount of consideration for goods or services into points,
A consideration acquisition unit that acquires the amount of consideration for a product purchased by the user or a service used by the user;
A point conversion unit that converts the amount of consideration acquired by the consideration acquisition unit into points based on the rate information acquired by the rate information acquisition unit,
A purchase point output unit that outputs the points converted by the point conversion unit as purchase point information for moving from the user point management unit of the point server device to the member store point management unit;
A point movement completion information acquisition unit that acquires point movement completion information output based on the purchase point information output by the purchase point output unit,
Digital wallet system including. The point server device,
A merchant fund management department that holds merchant funds,
A merchant point redemption command acquisition unit that obtains a merchant point redemption command, which is a command to convert the points held in the merchant point management unit into funds and move to the merchant fund management unit;
An affiliated store point redemption instruction execution unit that executes the affiliated store point exchange instruction acquired by the affiliated store point exchange instruction acquisition unit;
Has,
The member store point processing device,
The digital wallet system according to claim 1, further comprising a member store point redemption command output unit that outputs a member store point redemption command. The digital wallet system according to claim 1, wherein the point server device includes a point movement history unit that manages a history of point movement by the point movement unit. The point server device,
An e-mail magazine manuscript obtaining unit for obtaining an e-mail magazine manuscript including information on the member store;
A mail magazine distribution unit that distributes a mail magazine whose document has been acquired by the mail magazine document acquisition unit, based on a point movement history managed by the point movement history unit;
The digital wallet system according to claim 3, comprising: The member store point processing device,
A point movement history search unit that searches for a movement history of points managed by the point movement history unit of the point server device;
A rate information generation unit that generates rate information based on a search result of a history managed by the point movement history unit by the point movement history search unit;
The digital wallet system according to claim 3, comprising:

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