JP2022089203A - Management device, management method, management system and program - Google Patents

Abstract

To provide a management device, a management method, and a management system capable of performing the management of a plurality of points and digital currencies in settlement an industrial advantageous manner and promoting the utilization of the plurality of points and digital currencies.SOLUTION: A management device for subjecting a point or a digital currency, which is available to a member belonging to an affiliation organization, to the settlement processing which includes the steps of: storing a member number of a member and the affiliation organization identification information on an affiliation organization; storing at least two kinds or digital currencies with a first point or the digital currency and a second point or the digital currency different from the first point or the digital currency in association with the member number; and managing the settlement information by subjecting the sum of all or part of the first point or the digital currencies and all or part of the second point or the digital currencies to the settlement processing based on the member number.SELECTED DRAWING: Figure 1

Description

The present invention relates to a management device, a management method, a management system, or a program applied thereto, which attaches points or digital currency to payment processing.

In recent years, for example, in an employee cafeteria, a POS system using an employee card in which a unique employee number assigned to each employee is magnetically recorded has been generally adopted. In such a system, the operator uses a register as a POS terminal to input the amount of the product selected and purchased by the employee, and the input amount is processed by the computer on the center side and deducted from the employee's salary. Such a system is applied not only to the employee cafeteria but also to other use / purchase systems by assigning a unique identification number (ID) to the members constituting one group. There is no need to record the number separately, and anyone who owns a cash card issued by the bank can make a payment from the funds set in the group (company) to which the individual belongs. Systems and the like are also being studied (Patent Document 1 etc.).

On the other hand, for example, in many companies, there are currency points called "in-house currency". This "in-house currency" is a system in which a company issues an in-house limited currency to its employees, and it is introduced as an incentive to increase employee motivation apart from regular salary. Generally, employees who are given in-house currency can use it to purchase products and in-house services prepared by the company. Recently, it has been considered to utilize such currency points as a new evaluation tool (Patent Document 2).

However, the currency points have problems such as lack of versatility and inconvenience such as being unable to make payments using an employee card. Recently, the types of points and virtual currencies have increased, which is a management problem in payments. Has also occurred, and measures that can solve such problems have been awaited.

Japanese Unexamined Patent Publication No. 8-297703 Japanese Unexamined Patent Publication No. 2016-999992

It is an object of the present invention to provide a management device, a management method and a management system capable of industrially advantageous management of a plurality of points and digital currencies in payment and promoting utilization of the plurality of points and digital currencies. And.

As a result of diligent studies to achieve the above object, the present inventors are a management device that attaches points or digital currencies that can be used by members belonging to the organization to which they belong, and the member numbers of the members. It has a first storage means for storing the organization identification information to which the organization belongs, and is associated with the member number to have a first point or digital currency and the first point or digital. It has a second storage means that stores at least two types of points or digital currency, which is a second point different from the currency or a digital currency, and is used in the payment processing based on the member number. A management device having a means for adding the sum of all or part of the first point or digital currency and all or part of the second point or digital currency is a plurality of points or digital in payment. It has been found that currency management can be industrially advantageous and the utilization of multiple points and digital currencies can be promoted, and such a management device can solve the above-mentioned conventional problems at once. I found.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] A management device that attaches points or digital currencies that can be used by members belonging to the affiliated organization to payment processing, and stores the member number of the member and the organization identification information to which the affiliated organization belongs. It has a first storage means, and in association with the member number, at least a first point or a digital currency and a second point or a digital currency different from the first point or the digital currency. It has a second storage means that stores two types of the points or digital currency, and in the payment process, with all or part of the first point or digital currency based on the member number. , A management device comprising a means for adding a total to the second point or all or part of the digital currency.
[2] The above-mentioned [1] in which all or part of the first point or digital currency and all or part of the second point or digital currency are stored as a third point or digital currency, respectively. ] Described management device.
[3] The third point or digital currency attached to the payment process is the whole or part of the first point or digital currency and all or part of the second point or digital currency. The management device according to the above [2], further comprising a third storage means for storing transaction information exchanged for a total in association with the member number.
[4] The management device according to any one of the above [1] to [3], wherein the affiliated organization is a private organization.
[5] The management device according to any one of the above [1] to [3], wherein the holding organization is a public institution.
[6] The management device according to any one of the above [1] to [3], wherein the organization to which the employee belongs is a company.
[7] The management device according to any one of the above [1] to [3], wherein the organization to which the member belongs is a school.
[8] The management device according to any one of the above [1] to [7], wherein the member number constitutes a part or all of the card number of the card indicating that the member is a member of the organization to which the member belongs. ..
[9] The description in any one of the above [1] to [8], wherein the payment method attached to the payment process is one or more types selected from a prepaid method, a postpaid method, and an immediate payment method. Management device.
[10] The said person who further has a means for storing the result information of the application process by associating the member number with the application process after receiving the deposit / withdrawal information related to the settlement process. The management device according to any one of [1] to [9].
[11] The first storage step for storing the member number of the member and the organization identification information to which the member belongs, the first point or digital currency associated with the member number, and the first. In the second storage step for storing at least two kinds of the points or the digital currency with the second point or the digital currency different from the point or the digital currency, and in the settlement process, the first, based on the member number. A management method including a payment processing step in which the sum of all or part of one point or digital currency and all or part of the second point or digital currency is added.
[12] The above-mentioned [11], in which all or part of the first point or digital currency and all or part of the second point or digital currency are stored as a third point or digital currency, respectively. How to manage.
[13] The third point or digital currency attached to the payment process is the whole or part of the first point or digital currency and all or part of the second point or digital currency. The management method according to the above [12], further comprising a third storage step of storing the transaction information exchanged for the total in association with the member number.
[14] The management method according to any one of the above [11] to [13], wherein the affiliated organization is a private organization.
[15] The management method according to any one of the above [11] to [13], wherein the holding organization is a public institution.
[16] The management method according to any one of the above [11] to [13], wherein the organization to which the employee belongs is a company.
[17] The management method according to any one of the above [11] to [13], wherein the organization to which the member belongs is a school.
[18] The management method according to any one of the above [11] to [17], wherein the member number constitutes a part or all of the card number of the card indicating that the member number is a member of the organization to which the member belongs. ..
[19] The description in any one of the above [11] to [18], wherein the payment method attached to the payment process is one or more types selected from a prepaid method, a postpaid method, and an immediate payment method. Management method.
[20] The said person who further has a step of receiving the deposit / withdrawal information related to the settlement process, subjecting it to the application process, and then linking it to the member number to store the result information of the application process. The management method according to any one of [11] to [19].
[21] A management system in which at least the management server of the organization to which the member belongs and the management device that attaches the points or digital currency that can be used by the member to the payment processing are communicably connected via a communication line. The management device has a first storage means for storing the member number of the member and the affiliated organization identification information for identifying the affiliated organization, and is linked to the member number. A second memory that stores at least two types of points or digital currencies, a first point or digital currency and a second point or digital currency different from the first point or digital currency. It has means, and in the payment process, the total of all or part of the first point or digital currency and all or part of the second point or digital currency based on the member number. A management system characterized by having a means to attach.
[22] The management device stores all or part of the first point or digital currency and all or part of the second point or digital currency as a third point or digital currency, respectively. The management system according to the above [21].
[23] The management device has the third point or digital currency attached to the payment process, the first point or all or part of the digital currency, and the second point or all of the digital currency. The management system according to the above [22], further comprising a third storage means for storing transaction information exchanged for a total with a part in association with the member number.
[24] The management system according to any one of the above [21] to [23], wherein the affiliated organization is a private organization.
[25] The management system according to any one of the above [21] to [23], wherein the holding organization is a public institution.
[26] The management system according to any one of the above [21] to [23], wherein the organization to which the member belongs is a company.
[27] The management system according to any one of the above [21] to [23], wherein the organization to which the member belongs is a school.
[28] The management system according to any one of the above [21] to [27], wherein the member number constitutes a part or all of the card number of the card indicating that the member is a member of the organization to which the member belongs. ..
[29] The description in any one of the above [21] to [28], wherein the payment method attached to the payment process is one or more types selected from a prepaid method, a postpaid method, and an immediate payment method. Management system.
[30] Further, the management device receives the deposit / withdrawal information related to the payment process, then performs the application process, and then associates it with the member number to store the result information of the application process. The management system according to any one of the above [21] to [29].
[31] After the management server transmits the application result information request to the management device, the management device sends the application result information to the management server in association with the member number. The management system according to the above [30], further comprising means for transmitting.
[32] The first storage for storing the member number of the member and the organization identification information to which the member belongs to the management device that attaches the points or digital currency that can be used by the member belonging to the member to the settlement process. Means, at least two types of the point or digital currency, the first point or the digital currency and the second point or the digital currency different from the first point or the digital currency, in association with the member number. In the second storage means to be stored and the payment process, all or part of the first point or digital currency and all or part of the second point or digital currency based on the member number. A program that functions as a means of adding totals.
[33] The management device, further, all or part of the first point or digital currency, and all or part of the second point or digital currency, as a third point or digital currency, respectively. The program according to the above [32], which functions as a means for storing.
[34] The management device, and the third point or digital currency attached to the payment process, are all or part of the first point or digital currency, and the second point or digital currency. The program according to the above [33], which functions as a third storage means for storing transaction information exchanged for the total of all or part of the above in association with the member number.

The management device, management method and management system of the present invention can manage a plurality of points and digital currencies in payment in an industrially advantageous manner, and can promote the utilization of the plurality of points and digital currencies.

It is a schematic block diagram which shows typically an example of a preferable embodiment of the management system of this invention. It is a schematic block diagram schematically showing an example of another preferable embodiment of the management system of this invention. It is a figure which shows typically an example of the information processing flow of the settlement process preferably carried out in the management system of this invention. It is a figure which shows another example of the information processing flow of the settlement processing preferably carried out in the management system of this invention schematically. It is a figure which shows an example of the information processing flow of payment information preferably carried out in the management system of this invention. It is a figure which shows another example of the information processing flow of payment information preferably carried out in the management system of this invention. It is a figure which shows an example of the information processing flow of the submitted document preparation preferably carried out in the management system of this invention. It is a schematic block block diagram explaining the method of storing a plurality of kinds of points as a common point, which is suitably used in the present invention. It is a schematic block composition diagram explaining the method of storing a plurality of kinds of points as a common legal tender, which are preferably used in the present invention. It is a figure which shows an example of the member information database which is preferably used in this invention. It is a figure which shows an example of the exchange rate information database which is preferably used in this invention. It is a figure which shows another example of the exchange rate information database which is preferably used in this invention. It is a figure which shows an example of the point information database preferably used in this invention. It is a figure which shows another example of the point information database which is preferably used in this invention. It is a figure explaining an example of the structure of the block chain which is preferably used in this invention. It is a figure explaining an example of the transaction structure of the blockchain which is preferably used in this invention. It is a figure explaining an example of the data structure of the transaction of the blockchain which is preferably used in this invention. It is a figure explaining an example of the script of a blockchain transaction preferably used in this invention.

The management device of the present invention is a management device that attaches points or digital currencies that can be used by members belonging to the affiliated organization to payment processing, and the member number of the member and the organization identification information to which the affiliated organization belongs are obtained. It has a first storage means for storing, and is associated with the member number to have a first point or digital currency and a second point or digital different from the first point or digital currency. It has a second storage means for storing at least two kinds of points or digital currencies with a currency, and all of the first points or digital currencies are stored in the payment process based on the member number. Alternatively, it is characterized by having a means for adding a total of the second point or all or part of the digital currency.

The first point or digital currency is different from the second point or digital currency, but the types of points and digital currency may be the same or different. In the present invention, it is preferable that the first point or digital currency and the second point or digital currency are points, respectively, because the total settlement process can be performed more efficiently.

The "point" is not limited and may be a known point as long as the object of the present invention is not impaired. Examples of the points include known benefits and the like given in the goods or services, and examples of the benefits include benefits used in exchange for prizes and the like and benefits used for payment to the goods or services. Be done. The points may or may not have an expiration date.

The "digital currency" is not particularly limited as long as it is a unit of value that can be used as a currency for payment for transactions including financial transactions. The digital currency is usually a currency that is electronically generated and stored in it, but it may be a legal tender or the like approved or issued by the government, or it may be a cryptocurrency. The digital currency includes electronic money and virtual currency.

The number of "affiliated organizations" is not particularly limited as long as it is an organization to which the members belong. The organization to which the employee belongs preferably includes a private organization, a public institution, or the like. Examples of the private organization include companies, financial institutions, private organizations, circles, clubs, relatives, clans, families and the like. Examples of the public institution include local public organizations, public financial institutions, national organizations, national organizations, non-profit organizations, international organizations and the like. In the present invention, it is preferable that the affiliated organization is a company because it further contributes to the utilization of the management device. The "affiliated organization identification information" may be composed of alphanumericals and / or symbols for identifying the affiliated organization, and may be a known affiliated organization ID, affiliated organization number, affiliated organization code, or the like. ..

The "member" may be any person who constitutes the organization to which the member belongs, and the status, qualification, etc. are not particularly limited. In the present invention, when the organization to which the employee belongs is a company, an employee or the like may be mentioned as a preferable example of the member, but a stakeholder such as a shareholder may be included, and the employment relationship or the like is not particularly limited. The "member number" is not particularly limited as long as it is a number that identifies the member, and may include not only numbers but also alphabetic characters and / or symbols, but in the present invention, the numbers are used. It is preferable that it is a member number, and it is more preferable that it constitutes a part or all of the card number of the card indicating that the member is a member of the organization to which the member belongs. According to such a preferable range, it becomes easier to utilize not only in payment processing but also in various paperwork and the like.

In the present invention, the management device uses all or part of the first point or digital currency and all or part of the second point or digital currency as a third point or digital currency, respectively. It is preferable to remember because it can make settlement with the sum of different points or digital currencies more efficient and easier. Further, in the present invention, the third point or digital currency attached to the payment processing is all or part of the first point or digital currency, and all or all of the second point or digital currency. The management device further has a third storage means for storing the transaction information exchanged with the total with a part in association with the member number, which is the settlement by the total of different points or digital currencies. It is preferable because the history can be grasped more efficiently and easily.

In the present invention, the payment method attached to the payment processing is preferably one or more types selected from a prepaid method, a postpaid method and an immediate payment method, and is preferably a prepaid method, a postpaid method and an immediate payment method. It is more preferable that two or more methods are selected from the methods.
Further, in the present invention, after the management device receives the deposit / withdrawal information related to the settlement process, it is subjected to the application process, and then linked to the member number to store the result information of the application process. It is preferable to have further means for doing so because the settlement management of the organization to which the person belongs can be made more efficient.

Hereinafter, the present invention will be described in more detail with reference to the drawings, but the present invention is not limited to these specific aspects.

FIG. 1 shows an example of a preferred embodiment of the management system of the present invention. In the management system of FIG. 1, the management server 10 of the organization to which the member belongs, the member terminal 11 of the member, and the management device 12 that attaches the points or digital currency that can be used by the member to the payment process communicate with each other. It is connected so that it can communicate via a line.

The management server 12 may be any known management server as long as it is the management server of the organization to which the management server belongs. In the present invention, it is preferable that the management server stores and manages member information such as the member number. Further, in the present invention, the fact that the management server has the means for granting the points or the digital currency to the member terminal 11 can be processed more advantageously in terms of management, and further, information management is also possible. It is preferable because it can be done effectively.

As the member terminal 11, for example, a terminal including a storage unit, a processing unit, an input unit, an output unit, a display unit, and a communication unit can be mentioned as a suitable example. That is, the member terminal 11 is not particularly limited as long as it has a basic configuration of a server or a computer, and may be a known terminal. In the present invention, the member terminal 11 may function as an SPV client that partially receives blockchain data from a management device 12 or the like and performs processing.

A suitable example of the management device 12 is a device including a storage unit, a processing unit, an input unit, an output unit, a display unit, and a communication unit. Although it may be configured, it is preferable that the storage unit of the management device 12 stores a database of member information, a database of point exchange rate information, and a database of point information. The database of the member information is not particularly limited, but as shown in FIG. 10, for example, a database in which the member number, affiliation identification information, job title, name, password, date of birth, address, etc. are stored is preferable. Take as an example. The database of the exchange rate information is not particularly limited, but as shown in FIG. 11, a database in which a currency or points, an exchange rate (for common point conversion), an update date, etc. are stored is a suitable example. Can be mentioned. Further, as a database of the exchange rate information, for example, as shown in FIG. 12, a database in which a currency or a point, an exchange rate (for common currency conversion), an update date, etc. are stored can be mentioned as a suitable example. The database of the point information is not particularly limited, but for example, as shown in FIG. 13, a database in which a point card number, a member number, a quantity, a point type, a partner (point issuing company, etc.), etc. are stored is preferable. An example is given. As shown in FIG. 14, it is also preferable to store the quantity of each point together in a common currency or a common point.

The "communication line" is not particularly limited and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an internet network because bidirectional communication can be performed. .. Further, the communication line may be a dedicated line provided with communication restrictions.
In the present invention, the blockchain may be used for the transaction related to the settlement process.

The management system of FIG. 2 is further connected to a payment terminal 15 of a payee such as a store to which a member receives a product or service so as to be able to communicate via the communication line. Is different. The basic configuration of the payment terminal 15 may be the same as the basic configuration of the member terminal.

FIG. 3 is a diagram schematically showing an information processing flow of payment processing preferably performed in the management system of FIG. 2.

The management server 10 of the affiliated organization transmits the member information including the member number, the member address, and the like, and the issuance request of the member card to the management device 12 (S101).

When the management device 12 receives the member information and the issuance request of the member card from the management server 10 of the affiliated organization, the management device 12 stores the member information in association with the affiliated organization identification information (S102).

The management device 12 stores the member information in association with the affiliated organization identification information, and then issues a member card in association with the member number based on the member information (S103).

After issuing the member card, the management device 12 transmits the member card issuance completion information to the management server 10 of the organization to which the member belongs (S104).

The member to whom the member card is issued can also perform user registration using the member terminal 11, and as shown in FIG. 3, user registration is performed from the management device 12 to the member terminal. The request may be transmitted (S105).

When the management device 12 receives the user registration information from the member terminal 11 or the like (S106), the management device 12 stores the user registration information in association with the member number (S107).

When the first point information registration is transmitted from the member terminal 11 to the management device 12 (S108), the management device 12 configures the first point management server (not shown) via a communication line. In order to exchange the first point related to the registration of the first point information of the member for the third point, a transfer request for transferring the owner of the first point from the member to the manager of the management device 12 is transmitted. (S109).

The first point management server transmits the transfer processing result to the management device 12 (S110). In the first point management server, the subtraction process of the first point of the member and the addition process of the first point of the administrator of the management device 12 are performed together.

When the management device 12 receives the transfer processing result from the first point management server, the management device 12 performs the addition processing of the third point (S111). In addition, in the management device 12, the cashing process of the first point is also performed.
The management device 12 performs the addition processing of the third point, and then transmits the processing result to the member terminal 11 (S112).
Further, the management device 12 associates the exchanged first point with the third point and stores it (S113).

When the second point information registration is transmitted from the member terminal 11 to the management device 12 (S114), the management device 12 configures the second point management server (not shown) via a communication line. In order to exchange the second point related to the registration of the second point information of the member for the third point, a transfer request for transferring the owner of the second point from the member to the manager of the management device 12 is transmitted. (S115).

The second point management server transmits the transfer processing result to the management device 12 (S116). In the second point management server, the subtraction process of the second point of the member and the addition process of the second point of the administrator of the management device 12 are performed together.

When the management device 12 receives the transfer processing result from the second point management server, the management device 12 performs the addition processing of the third point (S117). In addition, in the management device 12, the cashing process of the second point is also performed.
The management device 12 performs the addition processing of the third point, and then transmits the processing result to the member terminal 11 (S118).
Further, the management device 12 associates the exchanged second point with the third point and stores it (S119).

When the member inquires about the balance to the management device 12 using the member terminal 11 (S120), the management device 12 transmits the balance of the third point to the member terminal 11 (S121). Here, the management device 12 may transmit the first point associated with the third point and the amount thereof, and the second point and the amount thereof together.

The member transmits a payment request for the price by the third point from the member terminal 11 to the payment terminal 15 of the payee together with the payment information for the purpose of receiving the provision of goods or services of the store or the like (S122). ..

Upon receiving the payment request for the price from the member terminal 11, the payment terminal 15 transmits a transfer request for the third point of the price to the management device 12 (S123).

When the management device 12 receives the transfer request for the third point of the price, for example, the total of all the first points linked to the third point and a part of the second point is used as the payment amount. Allocation (S124), the price of the third point is deducted from the members, and the price of the third point is added to the payee, including the allocated first point and second point. , Stored as payment information (S125).

After that, the management device 12 transmits the transfer processing result to the payment destination settlement terminal (S126), and also transmits the processing result to the member terminal 11 (S127).

FIG. 4 is a diagram schematically showing another example of the information processing flow of payment processing preferably performed in the management system of the present invention, which is different from FIG.

The management server 10 of the affiliated organization transmits the member information including the member number, the member address, and the like, and the issuance request of the member card to the management device 12 (S201).

When the management device 12 receives the member information and the issuance request of the member card from the management server 10 of the affiliated organization, the management device 12 stores the member information in association with the affiliated organization identification information (S202).

The management device 12 stores the member information in association with the affiliated organization identification information, and then issues a member card in association with the member number based on the member information (S203).

After issuing the member card, the management device 12 transmits the member card issuance completion information to the management server 10 of the organization to which the member card is issued (S204).

The member to whom the member card is issued can also perform user registration using the member terminal 11, and as shown in FIG. 4, user registration is performed from the management device 12 to the member terminal. The request may be transmitted (S205).

When the management device 12 receives the user registration information from the member terminal 11 or the like (S206), the management device 12 stores the user registration information in association with the member number (S207).

When the first point information registration is transmitted from the member terminal 11 to the management device 12 (S208), the management device 12 configures the first point management server (not shown) via a communication line. The registration content inquiry related to the member's first point information registration is transmitted (S209).

The first point management server transmits the inquiry result to the management device 12 (S210).

When the management device 12 receives the inquiry result from the first point management server, the management device 12 associates the first point information with the third point and stores it (S211). It is preferable that the first point is stored in a convertible manner with the third point as a common point, and in the present invention, the amount of the converted third point is also stored.
The management device 12 transmits the processing result to the member terminal 11 (S212).

When the second point information registration is transmitted from the member terminal 11 to the management device 12 (S213), the management device 12 configures the second point management server (not shown) via a communication line. The registration content inquiry related to the registration of the second point information of the member is transmitted (S214).

The second point management server transmits the inquiry result to the management device 12 (S215).

When the management device 12 receives the inquiry result from the second point management server, the management device 12 associates the second point information with the third point and stores it (S216). The second point is stored in a convertible manner with the third point as a common point, and in the present invention, it is preferable that the amount of the converted third point is also stored.
The management device 12 transmits the processing result to the member terminal 11 (S217).

When the member inquires about the balance to the management device 12 using the member terminal 11 (S218), the management device 12 transmits the balance of the third point, which is a common point, to the member terminal 11 (S219). .. Here, the management device 12 may transmit the first point and the amount thereof and the second point and the amount thereof together.

The member transmits a payment request for the price by the third point from the member terminal 11 to the payment terminal 15 of the payee together with the payment information for the purpose of receiving the provision of goods or services of the store or the like (S220). ..

When the payment terminal 15 receives the payment request for the price from the member terminal 11, it transmits a transfer request for the third point of the price to the management device 12 (S221).

When the management device 12 receives the transfer request for the third point of the price, for example, the total of all the first points linked to the third point and a part of the second point is used as the payment amount. Allocate (S222).

The management device 12 transmits a transfer request to the first point management server to transfer the owner of the allocated first point from the member to the manager of the management device 12 (S223).

The first point management server transmits the transfer processing result to the management device 12 (S224). In the first point management server, the subtraction process of the first point of the member and the addition process of the first point of the administrator of the management device 12 are performed together.

When the management device 12 receives the transfer processing result from the first point management server, the management device 12 performs the addition processing of the third point (S225). In addition, in the management device 12, the cashing process of the first point is also performed.

The management device 12 transmits a transfer request to the second point management server to transfer the owner of the allocated second point from the member to the manager of the management device 12 (S226).

The second point management server transmits the transfer processing result to the management device 12 (S227). In the second point management server, the subtraction process of the second point of the member and the addition process of the second point of the administrator of the management device 12 are performed together.

When the management device 12 receives the transfer processing result from the second point management server, the management device 12 performs the addition processing of the third point (S228). In addition, in the management device 12, the cashing process of the second point is also performed.

The management device 12 subtracts the price of the third point from the members, adds the price of the third point to the payee, and includes the allocated first point and the second point. , Stored as payment information (S229).

After that, the management device 12 transmits the transfer processing result to the payment destination settlement terminal (S230), and also transmits the processing result to the member terminal 11 (S231).

FIG. 5 schematically shows an example of an information processing flow of payment information preferably carried out in the management system of the present invention.
When the management server 10 of the organization to which the organization belongs sends an arbitrary payment information request for the first point to the management device 12 together with the member number (S301), the payment process is performed as described above, so that the management device 12 , Arbitrary payment information of the first point used by the member can be easily extracted (S302), and arbitrary payment information can be transmitted to the management server 10 of the organization to which the member belongs (S303). In this way, it is possible to reduce the management burden on the settlement of the organization to which the organization belongs, to manage efficiently, and to promote the utilization of the settlement information more effectively.

FIG. 6 schematically shows another example of the information processing flow of payment information preferably carried out in the management system of the present invention.
When the management server 10 of the affiliated organization transmits an arbitrary payment information request for the first point to the management device 12 (S401), the payment process is performed as described above, so that the management device 12 is the first. Arbitrary payment information of points can be easily extracted together with a member number (S402), and a list of arbitrary payment information including the member number can be transmitted to the management server 10 of the organization to which the point belongs (S403). In this way, it is possible to reduce the management burden on the settlement of the organization to which the organization belongs, to manage efficiently, and to promote the utilization of the settlement information more effectively.

FIG. 7 schematically shows an example of an information processing flow for creating submitted documents, which is preferably carried out in the management system of the present invention.
When the management device 12 stores the submission document format of the specific affiliated organization in advance (S501) and receives the affiliated organization submission document request (request for settlement information of the first point together with the member number) from the member terminal 11 (S501). S502) Since the payment process is performed as described above, the payment information of the first point can be easily extracted from the member number (S503), and further, the payment information is reflected in the submitted document format. (S504), the submitted documents can be easily created and transmitted to the member terminal 11 (S505). In this way, it is possible to reduce the administrative burden and the like of the members belonging to the affiliated organization and reduce mistakes and the like.

FIG. 8 is a schematic block configuration diagram illustrating a method of storing a plurality of types of points as common points, which is preferably used in the present invention. There are different points A, B, and C, and the quantities are 1,500 points, 7,500 points, and 80 points, respectively (S601). Then, the respective points A, B, and C are converted into common points KV in a common unit, and are converted into points KV 1,500 points, points KV 750 points, and points KV 800 points (S602), and the total points are KV 3,050 points. (S603). By doing so, it is easier to memorize all or part of the first point or digital currency and all or part of the second point or digital currency as a third point, respectively. Can be done.

The schematic block configuration diagram of FIG. 9 differs from FIG. 8 in that the common unit is not a point but a Japanese yen. There are different points A, B, and C, and the quantities are 1,500 points, 7,500 points, and 80 points, respectively (S701). Then, the respective points A, B, and C are converted into a common unit of Japanese yen, which is a common currency, to be 1,500 yen, 750 yen, and 800 yen (S702), and the total is 3,050 yen (S703). ). By doing so, all or part of the first point or digital currency and all or part of the second point or digital currency are more easily stored as the third digital currency, respectively. be able to.

In the present invention, the blockchain can be preferably used. Hereinafter, a blockchain that is preferably used will be described. In the present invention, the block functions as a transaction database containing transaction information regarding settlement. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 15, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not only managed by the server, but is also verified and added to the user terminal 11 and the like.

A transaction is data that records the exchange of points, digital currencies, and the like. Transactions include input and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of the point to be traded, the digital currency, etc. (identification information for specifying the transaction (transaction hash value, sequence number, etc.)) And information for proving that the user owns the points, digital currency, etc. (scripts that satisfy the conditions for using the output, etc.) are included. The output information includes information such as the type and number of exchanged points and digital currencies, and scripts for using the exchanged currencies and points at the address specifying the exchange destination.

FIG. 16 shows an example of a blockchain transaction configuration preferably used in the present invention. Points, digital currencies, etc. are expressed as a transaction history, that is, a group of transactions through which points, digital currencies, etc. have passed. Each transaction (transactions such as points and digital currencies) is digitally signed with the original owner's encryption key, including the hash value of the previous transaction and the new owner's public key. Information about all transactions is shared throughout the P2P network. By expressing the transaction in this way, there is an advantage that the currency etc. cannot be transferred by anyone other than the person without the permission of the original owner, and the third party can objectively confirm the transfer of the currency. Has.

FIG. 17 shows an example of a blockchain transaction data structure preferably used in the present invention. The transaction data structure has "output (points to be withdrawn, digital currency, etc.)" and "input (points used for deposit, digital currency, etc.)". Remittance requires points to be passed to the other party, digital currency, etc. and a destination (address), and the output is a representation of these. In order to use points, digital currency, etc. addressed to you, or to send money to someone, you must refer to the output of past transactions, which corresponds to the input in this transaction. Multiple outputs and inputs can be specified in one transaction. In order to send an arbitrary amount of money, it is necessary to collect the output of transactions addressed to you in the past and specify it as the input of the transaction to be performed.

FIG. 18 shows an example of a blockchain transaction script preferably used in the present invention. In the point of FIG. 19, digital currency, etc., a transaction including an input source address and an output source address is described by a script. The transaction shown in the figure means that points, digital currency, etc. with a predetermined face value are sent to other users using points, digital currency, etc. that were sent to you by the user in the past. ing. A transaction is given a transaction identifier unique to the transaction, and the hash value of the transaction is usually used. Where multiple outputs can be specified in "Output Script", "Output 2" is a normal description for verifying the digital signature of the input, while "Output 1" is a description for adding a byte array. be. The script provides a code called "OP_RETURN", which, like a typical programming return, stops the script when it comes to it and does not allow references to its output. Then, if a byte array is added using "OP_PUSHDATA" following "OP_RETURN", "output 1" can be used as a byte array description field without adversely affecting the digital signature. Since there is an upper limit to the number of bytes in the byte array that can be added using "OP_PUSHDATA", it is a condition that the hash value is used for files and the upper limit is not exceeded for text messages.

By configuring as described above, the management device that attaches the points or digital currency that can be used by the members belonging to the affiliated organization to the settlement process is provided with the member number of the member and the organization identification information to which the affiliated organization belongs. At least two types of first storage means to be stored, a first point or digital currency associated with the member number, and a second point or digital currency different from the first point or digital currency. In the second storage means for storing the point or digital currency, and in the payment process, all or part of the first point or digital currency and the second point or digital currency based on the member number. It can function as a means of adding the sum of all or part of the above, preferably the management device, further the whole or part of the first point or digital currency, and the second point or digital. All or part of the currency can function as a means of storing as a third point or digital currency, respectively, more preferably the management device and further the third item attached to the payment process. The transaction information in which the point or digital currency is exchanged for the total of all or part of the first point or digital currency and all or part of the second point or digital currency is used as the member number. It can function as a third storage means for associating and storing.

The management device, management method and management system of the present invention are useful for payment of points or digital currencies.

10 Management server of the organization to which the organization belongs 11 Member terminal 12 Management device 15 Payment terminal of the payee of the store, etc. 18 Communication line

Claims (34)

A first management device that attaches points or digital currency that can be used by members belonging to the affiliated organization to payment processing, and stores the member number of the member and the organization identification information to which the affiliated organization belongs. It has a storage means, and in association with the member number, at least two kinds of a first point or a digital currency and a second point or a digital currency different from the first point or the digital currency. It has a second storage means for storing the point or digital currency, and in the payment process, all or part of the first point or digital currency and the first. A management device characterized by having a means for adding a total of 2 points or all or part of a digital currency. The management according to claim 1, wherein all or part of the first point or digital currency and all or part of the second point or digital currency are stored as a third point or digital currency, respectively. Device. The third point or digital currency attached to the payment process is exchanged for the total of all or part of the first point or digital currency and all or part of the second point or digital currency. The management device according to claim 2, further comprising a third storage means for storing the transaction information associated with the member number. The management device according to any one of claims 1 to 3, wherein the organization to which the member belongs is a private organization. The management device according to any one of claims 1 to 3, wherein the holding organization is a public institution. The management device according to any one of claims 1 to 3, wherein the organization to which the employee belongs is a company. The management device according to any one of claims 1 to 3, wherein the organization to which the member belongs is a school. The management device according to any one of claims 1 to 7, wherein the member number constitutes a part or all of the card number of the card indicating that the member is a member of the organization to which the member belongs. The management device according to any one of claims 1 to 8, wherein the payment method attached to the payment process is one type or two or more types selected from a prepaid method, a postpaid method, and an immediate payment method. Claims 1 to further include means for receiving the deposit / withdrawal information related to the settlement process, subjecting it to the application process, and then linking it to the member number to store the result information of the application process. The management device according to any one of 9. The first storage step for storing the member number of the member and the organization identification information to which the member belongs, the first point or digital currency associated with the member number, and the first point or the first point or A second point different from the digital currency or a second storage step for storing at least two kinds of the points or the digital currency with the digital currency, and the payment process, the first point based on the member number. Or a management method including a payment processing step in which the total of all or part of the digital currency and all or part of the second point or the digital currency is attached. The management method according to claim 11, wherein all or part of the first point or digital currency and all or part of the second point or digital currency are stored as a third point or digital currency, respectively. The third point or digital currency attached to the payment process is exchanged for the total of all or part of the first point or digital currency and all or part of the second point or digital currency. The management method according to claim 12, further comprising a third storage step of storing the transaction information associated with the member number. The management method according to any one of claims 11 to 13, wherein the affiliated organization is a private organization. The management method according to any one of claims 11 to 13, wherein the holding organization is a public institution. The management method according to any one of claims 11 to 13, wherein the organization to which the employee belongs is a company. The management method according to any one of claims 11 to 13, wherein the affiliated organization is a school. The management method according to any one of claims 11 to 17, wherein the member number constitutes a part or all of the card number of the card indicating that the member number is a member of the organization to which the member belongs. The management method according to any one of claims 11 to 18, wherein the payment method attached to the payment process is one or more methods selected from a prepaid method, a postpaid method, and an immediate payment method. Claim 11 to further include a step of receiving the deposit / withdrawal information related to the settlement process, subjecting it to the application process, and then linking it to the member number to store the result information of the application process. The management method according to any one of 19. A management system in which at least the management server of the organization to which the member belongs and the management device that attaches the points or digital currency that can be used by the member to the payment process are communicably connected via a communication line. The management device has a first storage means for storing the member number of the member and the affiliated organization identification information for identifying the affiliated organization, and is associated with the member number. It has a second storage means for storing at least two kinds of the points or the digital currency, that is, the first point or the digital currency and the second point or the digital currency different from the first point or the digital currency. A means of adding the total of all or part of the first point or digital currency and all or part of the second point or digital currency to the payment process based on the member number. A management system characterized by having. A claim in which the management device stores all or part of the first point or digital currency and all or part of the second point or digital currency as a third point or digital currency, respectively. Item 21. The management system. The management device attaches the third point or digital currency to the payment process, and the third point or digital currency is all or part of the first point or digital currency and all or part of the second point or digital currency. 22. The management system according to claim 22, further comprising a third storage means for storing the transaction information exchanged with the total with the member number in association with the member number. The management system according to any one of claims 21 to 23, wherein the affiliated organization is a private organization. The management system according to any one of claims 21 to 23, wherein the holding organization is a public institution. The management system according to any one of claims 21 to 23, wherein the organization to which the employee belongs is a company. The management system according to any one of claims 21 to 23, wherein the organization to which the organization belongs is a school. The management system according to any one of claims 21 to 27, wherein the member number constitutes a part or all of the card number of the card indicating that the member number is a member of the organization to which the member belongs. The management system according to any one of claims 21 to 28, wherein the payment method attached to the payment process is one or more methods selected from a prepaid method, a postpaid method, and an immediate payment method. The management device further has a means for receiving the deposit / withdrawal information related to the payment process, subjecting it to the application process, and then linking it to the member number to store the result information of the application process. The management system according to any one of claims 21 to 29. After the management server transmits the application result information request to the management device, the management device transmits the application result information to the management server in association with the member number. 30. The management system according to claim 30. A management device that attaches points or digital currency that can be used by members belonging to the affiliated organization to payment processing, the first storage means for storing the member number of the member and the organization identification information to which the affiliated organization belongs, said. A second that stores at least two types of points or digital currencies, a first point or digital currency and a second point or digital currency different from the first point or digital currency, in association with a member number. In the storage means of 2 and the payment process, the total of all or part of the first point or digital currency and all or part of the second point or digital currency is added to the payment process based on the member number. A program that functions as a means of attaching. A means for storing the management device in whole or in part of the first point or digital currency and in whole or in part of the second point or digital currency as a third point or digital currency, respectively. 32. The program according to claim 32. The management device, further, the third point or digital currency attached to the payment process is all or part of the first point or digital currency, and all or all of the second point or digital currency. The program according to claim 33, which functions as a third storage means for storing transaction information exchanged with a total of a part in association with the member number.

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