JP2021163053A - Program, electronic value managing device, and electronic value management method - Google Patents

Abstract

To provide a program, an electronic value managing device, and an electronic value management method for promoting utilization of an electronic value.SOLUTION: A program allows a computer to execute acquisition processing for acquiring fee setting information that includes information regarding a fee for utilization of an electronic value and is used for calculating a fee, generation processing for generating value information for showing an electronic value and relating the value information to fee setting information and storing it in a storage part, and feel calculation processing for calculating a fee corresponding to utilization of an electronic value on the basis of fee setting information related to value information for showing an electronic value.SELECTED DRAWING: Figure 2

Description

The present invention relates to programs, electronic value management devices and electronic value management methods.

Settlement may be made by electronic value such as virtual currency and tokens. Patent Document 1 discloses a value information system as a technique for promoting the distribution of electronic value. The value information system described in Patent Document 1 is a part of the first type of electronic value paid when the first user is paid by the first type of value information (electronic value). It has a granting unit that imparts a first type of electronic value corresponding to the above to a second user according to the first type of electronic value.

Japanese Patent No. 6545919

Electronic value is issued by the issuer of electronic value. The issuer issues electronic value for some purpose. The purpose of the issuer can be different for each issuer. If the setting that suits the purpose of the person who intends to issue the electronic value cannot be made, it becomes difficult for the electronic value to be issued. As a result, the use of various types of electronic values is less likely to be encouraged.

Therefore, an object of the present invention is to provide a program for promoting the use of electronic value, an electronic value management device, and an electronic value management method.

The program according to one aspect of the present invention includes information on a fee for using an electronic value in a computer, acquires a fee setting information used for calculating the fee, and generates value information indicating the electronic value. Then, the generation process of associating the value information with the fee setting information and storing it in the storage unit and the fee according to the use of the electronic value are calculated based on the fee setting information associated with the value information indicating the electronic value. The fee calculation process and execution are performed.

According to this aspect, when the electronic value is generated, it is possible to generate the electronic value including the fee setting. Since the fee generated according to the use of the electronic value can be calculated based on the fee setting information, the issuer issues the electronic value without using a method of calculating the fee separately for the calculation of the fee. It becomes possible to do. As a result, the burden on the issuer at the time of issuance can be reduced, and the issuance of electronic value is promoted. Therefore, the use of electronic value can be promoted.

The electronic value management device according to another aspect of the present invention includes an acquisition unit for acquiring fee setting information used for collecting fees, including information on fees for using electronic value, and value information indicating electronic value. Is generated and the value information is associated with the fee setting information and stored in the storage unit, and the fee according to the use of the electronic value is based on the fee setting information associated with the value information indicating the electronic value. It is equipped with a fee calculation unit for calculating.

An electronic value management method according to another aspect of the present invention indicates that a computer obtains fee setting information used for collecting a fee, including information on a fee for using the electronic value, and indicates the electronic value. The value information is generated, the value information is associated with the fee setting information and stored in the storage unit, and the fee according to the use of the electronic value is based on the fee setting information associated with the value information indicating the electronic value. To calculate and include.

The program according to one aspect of the present invention provides a computer with an interface information acquisition process for acquiring interface information for generating a user interface used when using electronic value, and value information indicating electronic value. The generation process of generating and storing the value information in the storage unit in association with the interface information is executed.

According to this aspect, the issuer can set the interface information. An interface that can add individuality to each issuer can be used. Therefore, it encourages the issuer to issue electronic value. This can encourage the use of electronic value.

The electronic value management device according to another aspect of the present invention includes an interface information acquisition unit that acquires interface information for generating a user interface used when using electronic value, and a value indicating electronic value. It includes a generation unit that generates information and stores value information in a storage unit in association with interface information.

An electronic value management method according to another aspect of the present invention includes obtaining interface information for a computer to generate a user interface used when using electronic value, and value information indicating electronic value. Is included, and the value information is associated with the interface information and stored in the storage unit.

According to the present invention, it is possible to provide a program for promoting the use of electronic value, an electronic value management device, and an electronic value management method.

It is the schematic of the electronic value management system which concerns on 1st Embodiment. It is a block diagram of the electronic value management apparatus which concerns on 1st Embodiment. This is an example of value generation information according to the first embodiment. This is an example of value management information according to the first embodiment. It is a flowchart which shows the process in the electronic value management apparatus which concerns on 1st Embodiment. It is a figure explaining the exchange process in the electronic value management system which concerns on 1st Embodiment. It is a figure explaining the process up to the fee billing in the electronic value management system which concerns on 1st Embodiment. It is a block diagram of the electronic value management apparatus which concerns on 2nd Embodiment. It is a flowchart which shows the process in the electronic value management apparatus which concerns on 2nd Embodiment.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those having the same reference numerals have the same or similar configurations.

The first embodiment will be described. FIG. 1 shows a schematic diagram of the electronic value management system 1 according to the first embodiment. The electronic value management system 1 includes an electronic value management device 101, an issuer terminal 102, a user terminal 1031 and 1032, a member store terminal 104, and an external terminal 105.

The electronic value management device 101 is communicably connected to the issuer terminal 102, the user terminals 1031 and 1032, the member store terminal 104, and the external terminal 105 through the network N. The electronic value management device 101 is an information processing device that manages electronic value by executing a predetermined program to perform processing described later. The electronic value is a value that needs to be transferred by electronic processing by an information processing device. The electronic value is, for example, electronic money, points, tokens, virtual currency, etc. that can be used at the time of payment.

The issuer terminal 102 is a terminal operated by an issuer that issues electronic value. The issuer operates the issuer terminal 102, transmits information necessary for issuing the electronic value to the electronic value management device 101, and issues the electronic value. The issuer terminal 102 is, for example, a smartphone or a tablet terminal. Alternatively, it may be a desktop type or notebook type personal computer. That is, any terminal that can communicate with the electronic value management device 101 and can input / output various information may be used. There may be a plurality of issuer terminals that can be connected to the electronic value management device 101 for each issuer.

The user terminal 1031 is a terminal operated by a user who conducts a transaction using electronic value. The user uses the user terminal 1031 to exchange electronic values, make payments using electronic values, and the like. The user terminal 1031 is a portable terminal such as a smartphone. Alternatively, the user terminal 1031 may be various terminals similar to the issuer terminal 102. The same applies to the user terminal 1032. Although only two user terminals are shown in FIG. 1, the number of user terminals may be three or more.

The member store terminal 104 is a terminal operated at a member store that enables payment by electronic value. The member store terminal 104 acquires information from the user terminal 1031 in order to make a payment by electronic value. Alternatively, the member store terminal 104 makes a payment using the electronic value by inputting the information displayed on the user terminal 1031 from the person who operates the member store terminal 104. Although only one member store terminal is shown in FIG. 1, there may be two or more member store terminals.

The external terminal 105 is a device that manages an electronic value different from the electronic value managed by the electronic value management device 101.

Each part of the electronic value management device 101 will be described with reference to FIG. The electronic value management device 101 includes a storage unit 201, an acquisition unit 202, a generation unit 203, a fee calculation unit 204, a value conversion information acquisition unit 205, an exchange unit 206, a balance management unit 207, and a fee billing unit 208. 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 executing a program stored in the storage area by a processor. can.

The storage unit 201 stores various information used for processing by the electronic value management device 101. The storage unit 201 stores value generation information regarding the electronic value generated by the electronic value management device 101. Further, the storage unit 201 stores value management information for managing transactions using electronic values.

The acquisition unit 202 acquires the fee setting information from the issuer terminal 102. The fee setting information includes information on the fee for the use of electronic value and is used to calculate the fee.

The generation unit 203 generates value information indicating the electronic value, and stores the value information in the storage unit 201 in association with the fee setting information. The value information is information indicating the electronic value, and includes, for example, the name of the electronic value, the unit name, the number of generated electronic values, and the like.

The fee calculation unit 204 calculates a fee according to the use of the electronic value based on the fee setting information associated with the value information.

The value conversion information acquisition unit 205 selects the electronic value and the type of other value that can be converted, and acquires the value conversion information for determining the conversion rate with the other value.

The exchange unit 206 exchanges the electronic value with another value based on the value conversion information acquired by the value conversion information acquisition unit 205.

The balance management unit 207 manages the value management information used for managing the electronic value. The value management information is stored in the storage unit 201.

The fee billing unit 208 performs a process for charging the fee calculated by the fee calculation unit.

The value generation information will be described with reference to FIG. FIG. 3 shows an example of value generation information regarding the electronic value generated by the electronic value management device 101. The value generation information shown in FIG. 3 is the value generation information after being processed by the electronic value management device 101.

The value generation information includes "issuer ID", "value name", "unit name", "sub-unit name", "number of generations", "transaction unit", "commission bearer", "commission type", and "commission". It has items of "calculation method", "ratio or fixed value", "commission generation timing", "value type to be exchanged", and "conversion rate".

The "issuer ID" is information of an ID that identifies an issuer of electronic value. The "value name" is information on the name of the electronic value issued. The "unit name" is information on the name of the value unit of electronic value. The "sub-unit name" is information on the name of the value unit when the unit set by the "unit name" is divided. The "number of generations" is the number of generations of electronic value. A "transaction unit" is information on a minimum transaction unit that determines a unit that can be used in a transaction using electronic value. "Value name", "unit name", "sub-unit name", "number of generations" and "transaction unit" are collectively referred to as value information.

The "fee bearer" is information indicating the bearer who bears the fee incurred when using the electronic value. The "fee type" is information indicating the target for which a fee is generated in a transaction using an electronic value. The “commission calculation method” and the “ratio or fixed value” are information indicating the commission calculation method. The “fee generation timing” is information indicating the timing at which a fee for the use of electronic value is generated. "Commission bearer", "commission type", "commission calculation method" and "commission generation timing" are fee setting information.

In the item of "commission bearer" in FIG. 3, information indicating at least one of "member store", "issuer" and "user" is recorded. In the item of "commission type", information indicating "in-transaction charge" or "non-transaction charge" is recorded. In-transaction billing is a fee billing method that includes a fee in the settlement amount traded at the time of transaction. Non-transaction billing is a billing method that imposes a fee separately from the transaction.

In the item of "commission calculation method", information indicating "percentage method" or "fixed value method" is recorded. The percentage method is a method of calculating the commission by multiplying the transaction amount by a predetermined percentage. The fixed value method is a method of calculating a predetermined amount as a commission, for example, according to the number of transactions, regardless of the transaction amount. In the item of "ratio or fixed value", the ratio used for the calculation by the percentage method or the fixed value used for the calculation by the fixed value method is recorded. Fees for fixed values are charged based on a given currency unit.

In the item of "commission generation timing", information indicating "at the time of exchange" or "at the time of use" is recorded. The time of exchange is the time when an electronic value is exchanged for another value that can be exchanged for the electronic value. The time of use is when the user conducts a transaction using electronic value at a member store or the like.

In FIG. 3, the member store is set as the fee bearer for the electronic value whose value name is "A coin". The fee type is in-transaction billing. The fee calculation method is a percentage method with a ratio of 1%. For example, suppose that a user makes a payment with a transaction amount of 10X5α using A coin at a member store. The relationship between the unit name X and the sub-unit name α is 1X = 10α. The fee calculated at this time is 1.005α. In the fee billing process, 1.005α is converted into, for example, yen and charged.

In the settlement by electronic value whose value name is "B token", 1 yen is charged to the issuer for each settlement using the B token regardless of the transaction amount.

For the electronic value whose value name is "C coin", the user and the member store are set as the fee bearers. In the settlement using C coins, a fixed value of 5 yen is calculated as a commission for each transaction as a non-transaction charge to the user. For member stores, fees are calculated by in-transaction billing in the same way as A coins.

The fee calculation method and the ratio or fixed value corresponding to the fee calculation method are not limited to the example of FIG. 3, and can be arbitrarily adjusted by the setting of the issuer.

The "value type to be exchanged" is another value type in which the electronic value can be exchanged. The "conversion rate" is information for setting a rate at which an electronic value is exchanged for another value. The "value type to be exchanged" and the "conversion rate" are the value conversion information.

In FIG. 3, the electronic value whose value name is "A coin" has the value type to be exchanged as yen. The "conversion rate" is 1X = 100 yen. The electronic value whose value name is "B token" has the value type to be exchanged in dollars. The "conversion rate" is 1Y = $ 10. For electronic values whose value name is "C coin", the value type to be exchanged is yen. The "conversion rate" is 1Z = (exchange price interlocking coefficient) x 100 yen using the exchange price interlocking coefficient calculated in conjunction with the yen price on an external exchange.

The value management information will be described with reference to FIG. FIG. 4 shows an example of value management information regarding the electronic value managed by the electronic value management device 101.

Value management information has items of "value name", "holder", and "holding amount". In the "value name" item, the name of the electronic value to be managed is recorded. In the "holder" item, information for identifying the holder of the electronic value is recorded. The "holding amount" item shows the holding amount of each holder.

In FIG. 4, the electronic value whose value name is "A coin" is held by the holder including the holders "ID001", "ID004", "ID007", and "ID501". The same applies to B tokens and C coins. ID001, ID004, and ID007 correspond to users, and ID501 corresponds to member stores.

The electronic value generation process by the electronic value management device 101 will be described with reference to the flowchart of FIG.

In step S501, the acquisition unit 202 acquires the value information from the issuer terminal 102. For example, an issuer whose issuer ID is "PB01" has a value name, a unit name, a sub-unit name, a number of generations, and a transaction unit of "A coin", "X", "α", "100,000X", respectively. As "1α", it is transmitted from the issuer terminal 102 to the electronic value management device 101.

In step S502, the acquisition unit 202 acquires the fee setting information from the issuer terminal 102. For example, the issuer of the issuer ID "PB01" sets the fee bearer, the fee type, and the fee calculation method as "member store", "in-transaction charge", and "percentage method", respectively, and electronically from the issuer terminal 102. It is transmitted to the value management device 101.

In step S503, the value conversion information acquisition unit 205 acquires the value conversion information from the issuer terminal 102. For example, the issuer of the issuer ID "PB01" transmits the value type to be exchanged and the conversion rate as "yen" and "1X = 1 yen" from the issuer terminal 102 to the electronic value management device 101, respectively.

In step S504, the generation unit 203 stores the value information, the fee setting information, and the value conversion information in the storage unit 201 in association with each other. The generation process from step S501 to step S504 prepares the use of electronic value.

With reference to FIG. 6, the registration of the user and the member store and the exchange of the electronic value by the user will be described as a preliminary step for using the electronic value in the transaction. In FIG. 5, it is assumed that the generation process is performed by the issuer.

In step S601, the user who wishes to use the electronic value transmits the user information to the electronic value management device 101 through the user terminal 1031. In step S602, user information is recorded in the storage unit 201 of the electronic value management device 101 and user registration is performed. User information includes, for example, information on contacts such as e-mail addresses and information on settlement. Settlement information is bank account or credit card information for which fees and exchanges of electronic value are charged. Information about settlement can also include a wallet of crypto assets.

In step S603, the member store wishing to use the electronic value transmits the member store information to the electronic value management device 101 through the member store terminal 104. In step S604, the member store information is recorded in the storage unit 201 of the electronic value management device 101, and the member store registration is performed. The member store information includes information on contact information and information on payment, as well as user information.

In step S605, the user transmits an electronic value purchase request to the electronic value management device 101 through the user terminal 1031. In step S606, the exchange unit 206 of the electronic value management device 101 performs a billing amount calculation process according to the purchase request. The purchase request includes the desired purchase quantity of electronic value. The desired purchase quantity is, for example, the purchase of the electronic value of the value name “A coin” in FIG. 3 by the quantity “5X5α”. The exchange unit 206 calculates the billing amount by referring to the conversion rate of the exchange target of the target electronic value from the value issuance information of the storage unit 201. In the case of the above example, since the conversion rate is 1X = 100 yen, the exchange unit 206 calculates the converted amount as 550 yen. When the "commission generation timing" of the electronic value is "at the time of exchange", the fee calculation unit 204 calculates the fee based on the fee calculation information, and then calculates the billing amount. Since the fee for A coin in this case is 1.005α, 1 yen is calculated as the fee by rounding down the fraction from the relationship of 10α = 1X. Therefore, the billing amount is 551 yen. In some cases, the calculated fee is a fee calculated using a currency unit such as yen, that is, it is not necessary to convert it. In this case, the exchange unit 206 can be used without converting the calculated fee.

In step S607, the fee billing unit 208 bills the amount calculated in the billing amount calculation process based on the user information recorded in the storage unit 201. For example, a request for withdrawal to a bank account registered by a user or a charge to a credit card. The billing process sends the request to an external device that manages the bank account or credit card and obtains the billing result from the external device. In step S608, the exchange unit 206 confirms that the request has been made correctly.

When the completion of billing is confirmed in step S608, the balance management unit 207 updates the value management information stored in the storage unit 201 in step S609.

In step S610, the balance management unit 207 transmits the balance information indicating the balance of the electronic value obtained as a result of the purchase to the user terminal 1031. In step S611, the balance of electronic value is displayed on the user terminal 1031. This allows the user to know that the electronic value has been purchased.

The payment by the user at the member store will be described with reference to FIG. 7. In the example described in FIG. 7, it is assumed that "at the time of use" is set as the method for calculating the fee for the electronic value.

In step S701, a payment screen for using the electronic value is displayed on the user terminal 1031 by the operation of the user. In step S702, the member store terminal 104 displays a payment screen for making a payment corresponding to the displayed electronic value.

In step S703, purchase information including the amount of electronic value delivered by the user is transmitted from the user terminal 1031 to the electronic value management device 101. In step S704, the member store terminal 104 transmits sales information including the amount of electronic value received by the member store from the user to the electronic value management device 101.

In step S705, the balance management unit 207 of the electronic value management device 101 updates the value management information as a sales process based on the information from the user terminal 1031 and the member store terminal 104.

In step S706, the balance management unit 207 transmits the updated balance information of the user to the user terminal 1031. In step S707, the balance management unit 207 transmits the updated balance information of the member store to the user terminal 1031.

The balance information transmitted to the user terminal 1031 can be displayed on the user terminal 1031 in step S708. The balance information transmitted to the member store terminal 104 may be displayed on the member store terminal 104 in step S709.

In step S710, the fee calculation unit 204 of the electronic value management device 101 calculates the fee based on the fee calculation information stored in the storage unit 201. Regarding the specific flow of calculation of the fee, as an example, a transaction in the electronic value of the value name "C coin" whose fee generation timing is "at the time of use" will be described.

In a transaction using C coins, it is assumed that the holder identified by ID001 has made a transaction of 10Z at the holder (member store) identified by ID502. At this time, the balance management unit 207 subtracts 10Z from 20Z, which is the amount held by the holder of ID001, and updates it as 10Z. The balance management unit updates the balance of the holder identified by ID 502 as 160Z, which is 150Z plus 10Z.

With reference to FIG. 3, a user and a member store are set as fee bearers for the C coin. In payment using C coins, a fixed value of 5 yen is charged to the user as a non-transaction charge. Therefore, the user fee is 5 yen. In addition, a percentage method is set as in-transaction billing for member stores, and the percentage is 2%. Therefore, a commission of 0.2Z (= 2β), which is 2% of the transaction amount of 10Z, is calculated by the commission calculation unit 204.

In step S711, the fee billing unit 208 performs a process of settling the fee to the user and the member store based on the fee calculated by the fee calculation unit 204. In the case of C coin, the fee billing unit 208 converts the fee into yen when the fee is calculated to be 0.2Z. The "conversion rate" of C coin is 1Z = (exchange price interlocking coefficient) x 100 yen using the exchange price interlocking coefficient calculated in conjunction with the yen price on an external exchange. Here, assuming that the exchange price interlocking coefficient is 1.2, the commission is 24 yen. The settlement of the fee is performed by charging the calculated fee based on the information regarding the settlement stored in the storage unit 201. The terminal that processes the bill is an external terminal that can communicate with the electronic value management device 101 through the network N.

Further, in the value generation information stored in the storage unit 201, the fee is similarly calculated and settled for the issuer in the case of a transaction using the electronic value set to charge the issuer.

The relationship between the external terminal 105 and the electronic value management device 101 will be described. The external terminal 105 is a terminal that manages other electronic values. The electronic value managed by the electronic value management device 101 can be exchanged for the electronic value managed by the external terminal 105 based on a predetermined conversion rate. Further, when the fee calculated by the fee calculation unit 204 is settled, the fee is converted into the electronic value managed by the external terminal 105, and then the electronic value managed by the external terminal 105 is used. May be good.

In the electronic value management system 1 according to the first embodiment, the electronic value may be exchanged between the user terminal 1031 and the user terminal 1032. At this time, the electronic value management device 101 can acquire information regarding the exchange of electronic values from the user terminal 1031 and the user terminal 1032, and calculate the fee.

An example of a service that can be realized by the electronic value management device 101 according to the first embodiment will be described. The issuer shall issue electronic value for regional promotion. Member stores are stores in the target area. In this case, the issuer makes the fee bearer the user and does not make the member store bear the fee. On the other hand, it is a condition that the member stores are provided with limited benefits to the users instead of paying the commission. The user will bear the fee, but has the advantage of receiving limited benefits.

The first embodiment has been described above. In the electronic value management device 101 according to the first embodiment, it is possible for the same issuing entity to issue different types of electronic values. In the first embodiment, the value management information is managed by the electronic value management device 101, but the value management information may be stored and managed in an external device. In that case, the electronic value management device 101 transmits the generated value information and the acquired fee setting information to the external device to generate the electronic value.

The electronic value management device 101 according to the first embodiment includes information on a fee for using the electronic value, acquires a fee setting information used for calculating the fee, and performs value information indicating the electronic value. The generation process of generating and storing the value information in the storage unit in association with the fee setting information and the fee according to the use of the electronic value are calculated based on the fee setting information associated with the value information indicating the electronic value. Execute the fee calculation process and.

The issuer can issue an electronic value for the calculation of the fee without using a method of calculating the fee separately. As a result, the burden on the issuer at the time of issuance can be reduced, and the issuance of electronic value is promoted. Therefore, the use of electronic value can be promoted. Further, since the electronic value can be issued while setting the bearer of the fee required for maintaining the electronic value management system 1, it is possible to enhance the sustainability of the electronic value management system 1.

In the electronic value management device 101 according to the first embodiment, the fee setting information includes the issuer of the electronic value indicating the bearer of the fee, the user who makes the payment using the electronic value, and the electronic value. Includes information indicating at least one of the merchants that can be used as a payment method. As a result, the issuer can select the payee of the fee, and the burden of issuing the electronic value is reduced. Therefore, it becomes possible to promote the use of electronic value.

In the electronic value management device 101 according to the first embodiment, the fee setting information includes information indicating the timing at which the fee is generated. As a result, the issuer can select when to generate the fee, which reduces the burden of setting the fee and improves the convenience of the issuer. Therefore, it becomes possible to promote the use of electronic value.

The electronic value management device 101 according to the first embodiment is a value for selecting a type of electronic value and another value that can be converted, and acquiring value conversion information for determining a conversion rate with the other value. The timing of executing the conversion information acquisition process and the exchange process for exchanging the electronic value with another value based on the value conversion information and calculating the fee is the timing at which the exchange process is performed.

This allows the issuer to set the standard for value conversion of the electronic value issued by the issuer. Further, after the electronic value is issued, the electronic value can be exchanged with another value based on the set standard by performing the exchange process with the commission calculation timing as the exchange time. By setting the conversion standard and making the setting applicable, the convenience of issuance by the issuer is improved. Therefore, it becomes possible to promote the use of electronic value.

The electronic value management device 801 according to the second embodiment will be described. The electronic value management device 801 is communicably connected to the issuer terminal 102, the user terminals 1031 and 1032, the member store terminal 104, and the external terminal 105 through the network N, similarly to the electronic value management device 101 of FIG. .. In the second embodiment, the description of the matters common to the first embodiment will be omitted, and only the differences will be described.

FIG. 8 shows a block diagram showing the configuration of the electronic value management device 801 according to the second embodiment. The electronic value management device 801 includes a storage unit 201, an interface information acquisition unit 802, a generation unit 203A, an exchange unit 206A, and a balance management unit 207.

The interface information acquisition unit 802 acquires the value information and the interface information for generating the user interface used when using the electronic value. The interface information includes, for example, a screen background, a menu screen, a guide display by a character, a sound setting at the time of screen operation, and the like.

The generation unit 203A generates value information indicating the electronic value, associates the value information with the interface information, and stores the value information in the storage unit. The generation unit 203A differs from the generation unit 203 of the electronic value management device 101 in that the value information does not have to be associated with the fee setting information.

The exchange unit 206A performs a process of exchanging the electronic value generated by the generation unit 203A with another value. The exchange unit 206A is different from the exchange unit 206 of the electronic value management device 101 in that it is not always necessary to perform processing related to fees.

The generation of electronic value by the electronic value management device 801 will be described with reference to FIG.

In step S901, the interface information acquisition unit 802 acquires value information from the issuer terminal 102.

In step S902, the interface information acquisition unit 802 acquires the basic interface information from the issuer terminal 102. When acquiring the interface information, the interface information acquisition unit 802 transmits the interface information options to the issuer terminal 102, and the issuer selects an item from the options received to acquire the interface information. You may.

In step S903, the generation unit 203A stores the value information in the storage unit in association with the interface information.

The use and exchange of electronic values can be performed in the same manner as in the first embodiment.

The interface information acquired by the interface information acquisition unit 802 may include information for generating a user terminal interface displayed on the user terminals 1031 and 1032 of the user who makes a payment using the electronic value.

The interface information acquired by the interface information acquisition unit 802 may include information for generating a member store terminal interface displayed on the member store terminal 104 of the member store that makes the electronic value available as a payment means.

For example, an example of a service that can be realized by the electronic value management device 801 according to the second embodiment will be described. The electronic value management device 801 generates an electronic value that can be used in a certain movie-related area, a member store, or the like. At that time, by setting the character of the movie as an interface, it is possible to promote the movie as it is used.

The second embodiment has been described above. In the electronic value management device 801 according to the second embodiment, the issuer can set the interface information. Issuers may use a platform that does not differ from issuer to issuer when it comes to exchanging and reimbursing electronic values. Here, by making it possible to set the interface together with the issuance of electronic value, the issuer can add individuality to each issuer without having to prepare a platform for exchanging electronic value and settlement by himself. An interface can be used.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting and interpreting the present invention. Each element provided in the embodiment and its conditions and the like are not limited to those exemplified, and can be changed as appropriate. In addition, the configurations shown in different embodiments can be partially replaced or combined.

1 ... Electronic value management system, 101, 801 ... Electronic value management device, 102 ... Issuer terminal, 1031, 1032 ... User terminal, 104 ... Merchant terminal, 105 ... External terminal, 201 ... Storage unit, 202 ... Acquisition department, 203, 203A ... Generation department, 204 ... Fee calculation department, 205 ... Value conversion information acquisition department, 206, 206A ... Exchange department, 207 ... Balance management department, 208 ... Fee billing department, 802 ... Interface information acquisition department

Claims (12)

It ’s a program, it ’s a computer,
An acquisition process that acquires fee setting information used to calculate the fee, including information on fees for the use of electronic value.
A generation process of generating value information indicating the electronic value and storing the value information in a storage unit in association with the fee setting information.
A program for executing a fee calculation process for calculating a fee according to the use of the electronic value based on the fee setting information associated with the value information indicating the electronic value. The program according to claim 1.
The fee setting information includes an issuer of the electronic value indicating the bearer of the fee, a user who makes a payment using the electronic value, and a member who makes the electronic value available as a payment means. A program that contains information indicating the store and at least one of them. The program according to claim 1 or 2.
The fee setting information includes
A program that includes calculation information indicating how to calculate the fee. The program according to any one of claims 1 to 3.
The fee setting information is
A program that includes information indicating when the fees are incurred. The program according to claim 4, wherein the computer is used.
The value conversion information acquisition process for selecting the type of the electronic value and the other value that can be converted, and acquiring the value conversion information for determining the conversion rate with the other value,
Based on the value conversion information, the exchange process for exchanging the electronic value for the other value is further executed.
The calculated timing is the timing at which the exchange process is performed, the program. An acquisition department that acquires fee setting information used to calculate the fee, including information on fees for the use of electronic value.
A generation unit that generates value information indicating the electronic value and stores the value information in a storage unit in association with the fee setting information.
An electronic value management device including a fee calculation unit that calculates a fee according to the use of the electronic value based on the fee setting information associated with the value information indicating the electronic value. The computer
Acquiring fee setting information used to calculate the fee, including information on fees for the use of electronic value,
To generate value information indicating the electronic value, associate the value information with the fee setting information, and store the value information in the storage unit.
An electronic value management method including calculating the fee according to the use of the electronic value based on the fee setting information associated with the value information indicating the electronic value. It ’s a program, it ’s a computer,
An interface information acquisition process that acquires interface information for generating a user interface used when using electronic values, and
A program that generates value information indicating the electronic value and executes a generation process of associating the value information with the interface information and storing the value information in a storage unit. The program according to claim 8.
The interface information is
A program that includes information for generating a user terminal interface that is displayed on a user's terminal that makes a payment using the electronic value. The program according to claim 8 or 9.
The interface information is
A program that includes information for generating a merchant terminal interface that is displayed on a merchant terminal that makes the electronic value available as a payment instrument. An interface information acquisition unit that acquires interface information for generating a user interface used when using electronic values, and an interface information acquisition unit.
An electronic value management device including a generation unit that generates value information indicating the electronic value and stores the value information in a storage unit in association with the interface information. The computer
Obtaining interface information to generate the user interface used when using electronic value,
An electronic value management method including generating value information indicating the electronic value, associating the value information with the interface information, and storing the value information in a storage unit.

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