JP6699128B2 - Electronic money account management server, electronic money system, awarding method - Google Patents

Description

The present invention relates to an electronic money account management server, an electronic money system, and a privilege granting method .

Conventionally, a system using a medium such as a user terminal having an electronic payment function has increased a user's willingness to purchase by giving a privilege such as a coupon (for example, Patent Document 1). In the conventional system, the medium itself has a function of storing the balance of electronic money and accepting a charge. Therefore, charging electronic money is easy.
However, in the system in which the server manages the electronic money account and stores the balance of the electronic money, when the balance becomes small, the user needs to charge (deposit) via the communication network. Therefore, in such a system, even if a privilege is given in the same manner as in the past, compared to a system in which the medium itself stores the balance of electronic money, there is a possibility that the user cannot be urged to charge well. The frequency of using electronic money will be low.

JP, 2014-170358, A

  An object of the present invention is to provide an electronic money account management server, an electronic money system, and an electronic money program that can prompt a user to deposit money in a system in which a server manages an electronic money account.

  The present invention solves the problems by the following solving means. It should be noted that, for ease of understanding, reference numerals corresponding to the embodiments of the present invention will be given and described, but the present invention is not limited thereto. Further, the configurations described with reference numerals may be appropriately improved, or at least a part of them may be replaced with other components.

The first invention is a management server (50) which manages an electronic money account associated with a medium (10) and deposits electronic money into the electronic money account based on an operation of a depositing terminal (20) by a user. Therefore, the electronic money is used after the use history management means (56a) that manages the use history information (55b) of the electronic money and whether or not the first privilege grant condition regarding the use frequency is satisfied based on the use history information. The privilege granting condition judging means (56b) for judging whether or not the second privilege granting condition for the deposit deadline to the account is met, and the privilege granting condition judging means for judging the first privilege granting condition and the second privilege granting condition. An electronic money account management server, comprising: a privilege granting means (56b) for granting a privilege to a user when it is determined that the condition is satisfied.
A second aspect of the present invention is the electronic money account management server of the first aspect, wherein the deposit terminal (20) is owned by a user, and is provided with notification information of the deposit deadline of the second privilege granting condition. And a notification information transmitting means (56b) for transmitting to the deposit terminal of the user who satisfies the first privilege granting condition.
A third aspect of the present invention is the electronic money account management server of the second aspect, wherein the depositing terminal (20) receives the notification information and indicates the user's intention of depositing based on the operation of the user. The intention information to be transmitted is transmitted to the management server (50), the privilege giving means (56b) is configured such that the deposit from the deposit terminal is after the notification information is transmitted, and It is a management server for an electronic money account, which is characterized in that a privilege is given to a user after receiving the will information.
A fourth aspect of the present invention is the electronic money account management server according to any one of the first to third aspects, wherein the medium (10) includes user identification information (15a) for identifying a user. The history management means (56a) receives payment information including amount information and the user identification information when using electronic money, and updates the usage history information (55b) based on the payment information. It is an electronic money account management server.
A fifth aspect of the present invention is the electronic money account management server according to any one of the first to fourth aspects, wherein the privilege giving condition determination means (56b) is such that the frequency of use of electronic money is equal to or higher than a determination criterion. The management server for the electronic money account is characterized by determining that the first privilege grant condition is satisfied.
A sixth aspect of the present invention is the electronic money account management server according to any one of the first to fourth aspects, wherein the privilege grant condition determining means (56b) is such that when the frequency of use of electronic money is less than or equal to a determination criterion. The management server for the electronic money account is characterized by determining that the first privilege grant condition is satisfied.
The seventh invention is described in the medium (10) that the user has and can use the electronic money, the deposit terminal (20), and any one of the first to sixth aspects, and the medium (10). And a management server (50) for managing an electronic money account associated with the above and depositing electronic money into the electronic money account based on a user's operation of the deposit terminal.
An eighth invention is an electronic money program of a depositing terminal (20) that accepts an operation for depositing an electronic money account of a management server (50), wherein the electronic money account is owned by a user to store electronic money. It corresponds to a usable medium (10), the deposit terminal is owned by a user, and the management server satisfies a first privilege grant condition regarding usage frequency, and an electronic money account. The second privilege is granted to the user when the second privilege grant condition for the deposit deadline to the user is satisfied, and the computer serving as the deposit terminal satisfies the first privilege grant condition. A notification unit (26a) for notifying that the notification information of the payment deadline of the grant condition is received from the management server, and the management server of the management server based on the operation of the user in response to the notification by the notification unit. An electronic money program characterized by causing it to function as a payment instruction means (26c) for instructing payment to an electronic money account.
A ninth invention is, in the electronic money program of the eighth invention, the computer (50) transmits, to the management server (50), intention information indicating a user's intention to deposit after receiving the notification information. The electronic money program is characterized by causing it to function as the intention information transmitting means (26b).
A tenth invention is the electronic money program according to the eighth or ninth invention, wherein the deposit instruction means (26c) is based on an output of an acceleration sensor (22) accompanying an operation of shaking the deposit terminal (20). , An electronic money program characterized by functioning to issue a deposit instruction.

  According to the present invention, in a system in which a server manages an electronic money account, it is possible to provide an electronic money account management server, an electronic money system, and an electronic money program that can prompt a user to make a deposit.

It is a figure explaining the structure of the electronic money system 1 of embodiment. It is a block diagram of electronic money system 1 of an embodiment. It is a figure explaining the information which the account information storage part 55a of embodiment stores. It is a figure explaining the flow of the charge process of the embodiment, and the settlement process. It is a figure explaining the flow of the privilege provision processing of an embodiment. It is a figure explaining the transition of the screen of personal digital assistant 20 at the time of privilege grant processing of an embodiment.

(Embodiment)
Hereinafter, embodiments of the present invention will be described with reference to the drawings and the like.
FIG. 1 is a diagram illustrating a configuration of an electronic money system 1 according to an embodiment.
FIG. 2 is a block diagram of the electronic money system 1 of the embodiment.
FIG. 3 is a diagram illustrating information stored in the account information storage unit 55a of the embodiment.
The electronic money system 1 is managed and operated by an operator who is a provider of electronic money services. The electronic money system 1 can be used by a user for payment at a store or the like by using a card 10 associated with an electronic money account. The store is described as an example of a store such as a retail store, but the store is not limited to this, and may be an online store (EC site) using the Internet, for example.
The electronic money system 1 gives a privilege to a user when the user satisfies various conditions. In the present embodiment, an example in which the privilege is added to the charge amount (deposit amount) will be described. In the embodiment, this “payment” when the user deposits money in the electronic money account is also called “charge”.

[Configuration of electronic money system 1]
As shown in FIGS. 1 and 2, the electronic money system 1 includes a card 10 (medium), a mobile terminal 20 (payment terminal), a store terminal 30, a credit server 40, and a management server 50.
Although FIG. 1 and FIG. 2 simply show the configuration for one user (the mobile terminal 20, the card 10), the configuration for multiple users is actually provided. In addition, similarly, in practice, a configuration regarding a plurality of stores is provided.
Each device (mobile terminal 20, store terminal 30, management server 50, credit server 40) includes a communication device, and can communicate via a communication network 2 such as the Internet communication network as necessary.
The storage units 25, 35, 45, 55 (described later) of each device are storage devices such as a hard disk and a semiconductor memory device for storing programs, information and the like necessary for the operation of each device. In addition, control units 26, 36, 46, 56 (described later) of each device are control devices that collectively control each device and perform various processes in each device, and include a CPU (central processing unit). ) Etc. Each control unit 26, 36, 46, 56 cooperates with each hardware by appropriately reading out and executing the various programs stored in each storage unit 25, 35, 45, 55, and the electronic money system 1 It realizes various functions. Each of the control units 26, 36, 46, 56 controls, for example, communication with other devices.

The card 10 is possessed by each user and is used when using electronic money at a store or the like.
The card 10 includes a magnetic stripe 15 (storage unit). The magnetic stripe 15 stores a user ID 15a (user identification information) that is information for identifying the user.

The mobile terminal 20 is a multi-function mobile phone or the like carried by the user. The mobile terminal 20 may be, for example, a personal computer or the like.
The mobile terminal 20 includes a touch panel 21, an acceleration sensor 22, a storage unit 25, and a control unit 26.
The touch panel 21 (also referred to as a touch panel display) is a device that has both functions of an operation unit that receives a user's input operation and a display unit that displays information to the user.
The acceleration sensor 22 is a detection unit that detects the acceleration of the mobile terminal 20. The acceleration sensor 22 detects, for example, when the user performs an action such as shaking the mobile terminal 20.

The storage unit 25 stores an account management program 25a (electronic money program), a terminal ID 25b (terminal identification information), and a user ID 15a.
The account management program 25a is a program for a user to manage an electronic money account. By operating the account management program 25a, the user can check the account balance, charge the account with electronic money, and the like, for example. The account management program 25a can be downloaded from the management server 50 or a content server (not shown).
The terminal ID 25b is assigned to each mobile terminal 20, and is identification information for identifying each mobile terminal 20. As will be described later, the terminal ID 25b is used when the push notification is processed.
The user ID 15a is the same information as the user ID 15a of the magnetic stripe 15 of the card 10. For example, when the user starts the use of the account management program 25a and the user inputs the user ID 15a into the mobile terminal 20, the control unit 26 can acquire it and store it in the storage unit 25.

The control unit 26 includes an informing unit 26a (informing unit), a communication unit 26b (will information transmitting unit), and a charge instructing unit 26c (payment instructing unit).
The notification unit 26a performs processing related to push notification (described later) and the like.
The communication unit 26b performs processing related to communication with other devices.
The charge instruction unit 26c performs processing related to charging an electronic money account.
Detailed processing of the control unit 26 will be described later.

The store terminal 30 is a payment terminal installed in each store. The store is a member store of this electronic money service.
The store terminal 30 includes a card reader 31, a storage unit 35, and a control unit 36.
The card reader 31 is a reading device that reads the user ID 15a of the magnetic stripe 15.

The credit server 40 is a server managed by a credit card company. The credit server 40 is provided with an account of the user's credit card (hereinafter also referred to as “credit account”).
In the embodiment, the credit card company replaces the charged amount of electronic money (charged amount). The credit card company pays the charge to the operator by bank transfer. The user specifies his/her own credit account in advance in order to pay the credit amount obtained by the replacement to the credit card company. The operator also specifies a bank account in order to receive the charge from the credit card company.

The credit server 40 includes a storage unit 45 and a control unit 46.
The storage unit 45 includes a credit account storage unit 45a.
The credit account storage unit 45a stores information such as a user's credit card usage history.
Further, the credit account storage unit 45a stores the credit account number of the user and the designated bank account number of the operator of the management server 50 in association with each other.
The control unit 46 includes a charge execution requesting unit 46a.
The charge execution requesting unit 46a requests the management server 50 to execute a charge to the user's electronic money account.
Detailed processing of the control unit 46 will be described later.

The management server 50 is a server that manages electronic money accounts. The management server 50 is managed by the operator.
The management server 50 includes an operation unit 51, a storage unit 55, and a control unit 56.
The operation unit 51 is an input device that receives an input operation from an employee of the operator. The operation unit 51 includes, for example, a keyboard.
The storage unit 55 includes an account information storage unit 55a (use history storage unit).
As shown in FIG. 3, the account information storage unit 55a stores account information that is information about a user's electronic money account. FIG. 3 illustrates account information of user names A and B among a plurality of users.

The account information storage unit 55a stores the name of each user, the user ID 15a, the terminal ID 25b, the electronic money account number, and the credit account number in association with each other.
The credit account number is registered when the user specifies the credit account from which the charge is to be paid when the electronic money account is opened.

Further, the account information storage unit 55a stores the usage history information 55b of electronic money.
In the embodiment, “use of electronic money” refers to charging of an electronic money account and settlement with electronic money. Therefore, the usage history information 55b associates the date with the charge amount (payment information), the settlement amount, and the balance.

The control unit 56 includes an account management unit 56a (use history management unit) and a privilege management unit 56b (privilege grant condition determination unit, privilege grant unit, notification information transmission unit).
The account management unit 56a manages the usage history information 55b of the electronic money account.
The privilege management unit 56b performs processing, management, and the like regarding benefits.
Detailed processing of the control unit 56 will be described later.

(Privilege grant condition)
The privilege granting condition and privilege of the electronic money system 1 will be described.
The electronic money system 1 grants a privilege to a user who satisfies at least two conditions of a first condition (first privilege granting condition) and a second condition (second privilege granting condition). The operator's employee or the like inputs the above-mentioned conditions and privilege information using the operation unit 51 of the management server 50. The privilege management unit 56b of the management server 50 stores these pieces of information in the storage unit 55.
The first condition relates to the frequency of using electronic money. In the embodiment, an example in which the privilege granting condition is “being a user who has continuously used for 5 days or more in the past 5 days at the time of 2015/10/05 (at the time of extraction)” will be described. That is, the criterion for use frequency is "continuous use in the past 5 days: 5 days".
In this way, the operator can set a condition suitable for a user having a high usage frequency as described above by analyzing the usage trend of electronic money as the first condition.

The second condition relates to the charge date (payment deadline). In the embodiment, the second privilege condition is “being a user who has been charged by 2015/10/07 within 2 days”.
In this way, the operator can set the content that further restricts the first condition as the second condition. In the embodiment, by setting the “charge within 2 days” as the second condition for the “user who uses for 5 consecutive days”, the user can continue to use electronic money with high frequency. Can be encouraged to do.

The benefit is "add 10% to the charge amount".
The operator can hold a campaign to promote the use of electronic money by notifying the information regarding the first condition and the second condition.
The operator of this system can appropriately set the first condition, the second condition, and the privilege. For example, the privilege may be to cash back part of the charge.
Further, the first condition is not limited to “continuous use in the past 5 days: 5 days” as long as it indicates that the usage frequency is high. The first condition may be, for example, "use 8 times in the past 10 days".

[Processing of electronic money system 1]
(Charge processing, settlement processing)
FIG. 4 is a diagram illustrating the flow of the charging process and the settlement process of the embodiment.
As a premise, it is assumed that the user can use the card 10 for charging and settlement. That is, it is assumed that the account management program 25a has already been downloaded to the mobile terminal 20, the charge using the mobile terminal 20 can be used, and the user's credit account and electronic money account are already provided. ..

(Charge processing)
In step S (hereinafter referred to as “S”) 1, the control unit 26 of the mobile terminal 20 activates the account management program 25b based on the operation of the user.
As shown in FIG. 1, the charge instruction unit 26c displays the charge screen 60 based on the operation of the user. The charge screen 60 is a screen that receives a charge instruction.
In S2, when the charge button 60a of the charge screen 60 is touch-operated, the charge instruction unit 26c transmits the charge instruction information to the credit server 40. The charge instruction information includes charge amount information (amount information) and credit account identification information.
The credit account identification information may be any information that can identify the user's credit account. As the credit account identification information, for example, the credit account number of the user, the terminal ID 25b, or the like can be used. The credit server 40 also stores these pieces of information in association with the credit account.
The charge amount is an amount preset by the user and is stored in the storage unit 25. Although detailed description is omitted, the user can change the set charge amount as necessary by touching the amount change button 60b.

In S3, when the charge execution requesting unit 46a of the credit server 40 receives the charge instruction information, the charge execution requesting unit 46a transfers the charge to the designated bank account of the operator.
In this process, the charge execution requesting unit 46a identifies the credit account number of the user based on the credit account identification information included in the charge instruction information, and then reads the information of the credit account from the credit account storage unit 45a. After that, the charge execution requesting unit 46a transmits the charge execution information to the server (not shown) of the designated bank.
The charge execution information includes information on the charge execution date, the operator's bank account number, the user's credit account number, and the charge amount.

Although detailed explanation is omitted, based on this charge execution information, in the bank account specified by the operator, the charge execution date and the credit account number of the user can be confirmed. Deposited.
In FIGS. 1 and 4, these processes are simplified so that the credit server 40 requests the management server 50 to execute the charge.

In S4, the account management unit 56a of the management server 50 performs a charging process for the user's electronic money account.
In this processing, the account management unit 56a makes an inquiry to the bank server of the bank account owned by the operator and confirms the information accompanying the charge execution request in S3. Thereby, the account management unit 56a can confirm the charge execution date, the credit account number of the user, and the charge amount. Further, the account management unit 56a can confirm that the user has instructed to charge.

The account management unit 56a refers to the account information storage unit 55a and reads the electronic money account of the user based on the confirmed credit account number. Then, the account management unit 56a stores the charge execution date and the charge amount in the electronic money account information, and increases the balance of the electronic money account by the amount of the charge amount (see the usage history information 55b in FIG. 3). ..
It should be noted that FIG. 1 and FIG. 4 are illustrated by simplifying these processes as if the management server 50 received a direct charge execution request from the credit server 40.

  With the above, the charging process of the electronic money system 1 is completed. Also, every time there is a request for charge, the charge execution date and the charge amount are stored as the information of the electronic money account in the account information storage unit 55a, and the balance of the electronic money account is updated (the usage history information 55b of FIG. 3). reference).

(Payment processing)
When paying for the purchase at the store, the user causes the store terminal 30 to read the user ID 15a of the card 10.
In S10, the control unit 26 of the store terminal 30 reads the user ID 15a of the card 10 by controlling the card reader 31 based on the card reading operation of the user.
In S11, the control unit 26 transmits the payment information to the management server 50 in accordance with the operation of the store clerk or the like. The payment information includes a payment date, payment amount information (amount information), and a user ID 15a.

In step S12, upon receipt of the payment information, the account management unit 56a of the management server 50 performs payment processing using electronic money.
The account management unit 56a identifies the user's account based on the user ID 15a included in the payment information, and reads the information on the user's electronic money account from the account information storage unit 55a. Then, the account management unit 56a stores the payment date and the payment amount in the usage history information 55b of the electronic money account, and reduces the payment amount from the balance (see the usage history information 55b in FIG. 3).

  With the above, the settlement process of the electronic money system 1 is completed. Further, for each payment at the store, the payment date and time and the payment amount are stored in the electronic money account information, and the balance of the electronic money account is updated (see usage history information 55b in FIG. 3).

(Privilege grant process)
FIG. 5 is a diagram illustrating a flow of the privilege granting process according to the embodiment.
FIG. 6 is a diagram illustrating transition of screens of the mobile terminal 20 during the privilege granting process of the embodiment.
As shown in FIG. 5, in S20, the privilege management unit 56b determines whether or not the first condition is satisfied based on the usage history information 55b in the account information storage unit 55a.
In this determination process, when the current date becomes “2015/10/05”, the account information storage unit 55a is referenced to extract the users who meet the first condition.
In the example of FIG. 3, the user with “user ID 15a=001” is applicable, while the user with “user ID 15a=002” is not applicable. Therefore, the privilege management unit 56b extracts the user having the “user ID 15a=001”. As shown in FIG. 3, the privilege management unit 56b may store the determination result of the first condition in the usage history information 55b.
In S21, the privilege management unit 56b transmits a campaign notification (notification information) including information on the charging date to the mobile terminal 20 of the user. This transmission uses push notification. This push notification information includes information that causes the account management program 25a of the mobile terminal 20 to operate like S22 and S23 described later.
The privilege management unit 56b identifies the mobile terminal 20 of the user by reading the terminal ID 25b based on the user ID 15a extracted in S20 in order to give the push notification.
As a result, the information that the first condition is satisfied and the charge date is transmitted to the mobile terminals 20 of all the users who satisfy the first condition all at once.
Since the campaign notification is sent only to the users who satisfy the first condition, by sending the campaign notification, the user is also notified that the first condition is satisfied as a result. become.

In S22, as shown in FIG. 6A, when the notification unit 26a of the mobile terminal 20 receives the campaign notification by the push notification, the notification display 61 displays the notification display 61 on the touch panel 21. The notification display 61 has a message "account management program: charge addition campaign".
Thereby, the notification unit 26a can notify the user that the campaign notification has been received from the management server 50.
The form of notifying the reception of the campaign notice is not limited to this, and may be, for example, a form in which the activation icon of the account management program 25a is emphasized and displayed.

In S23, as shown in FIGS. 6A and 6B, the notification unit 26a displays the application screen 62 when the user touch-operates the notification display 61.
The application screen 62 includes a display 62a that reads "Campaign: Add 10% when charged by 2015/10/07".
Accordingly, the notification unit 26a can notify the user of the fact that the usage frequency is high (first condition) and the charge date (second condition).
To receive the benefits, users can apply for this campaign and charge by the deadline.

In S24, as shown in FIGS. 6B and 6C, when the user touches the application button 62b on the application screen 62, the communication unit 26b transmits application information to the management server 50, and , The charge instruction screen 63 is displayed.
The application information includes information indicating that the user applies (that is, intention information indicating the intention of deposit) and the user ID 15a. The application information may include the terminal ID 25b instead of the user ID 15a.
Through the above processing, the communication unit 26b can transmit the application information to the management server 50 after receiving the campaign notification.

  In S25, as shown in FIGS. 6C and 6D, the charge instruction section 26c displays the transmission waiting screen 64 when the user touches the charge button 63a of the charge instruction screen 63, and , Waiting for the transmission of the charge instruction information. The charge instruction information is the same as that in S2 (see FIG. 4).

In S26, when the user shakes the mobile terminal 20 (see arrow A) while the transmission waiting screen 64 is displayed, the charge instructing unit 26c displays the mobile terminal 20 based on the output of the acceleration of the acceleration sensor 22. It is determined that it was shaken.
In response to this, the charge instruction unit 26c transmits the charge instruction information similar to S2 to the credit server 40.
In this way, the electronic money system 1 adopts an interesting operation of shaking the mobile terminal 20 at the time of accepting a charge according to the notification (S22, S23) of the notification unit 26a, thereby charging the user. Can be urged.

In S27, upon receiving the application information, the privilege management unit 56b of the management server 50 identifies the electronic money account of the user based on the user ID 15a included in the application information, and stores the account information from the account information storage unit 55a. read out.
The terminal ID 25b may be used in place of the user ID 15a to specify the electronic money account of the user. In this case, the mobile terminal 20 may include the terminal ID 25b in the application information.
Then, the privilege management unit 56b stores the reception date of the application information in the usage history information 55b. As a result, the privilege management unit 56b stores information indicating that the user has applied in the usage history information 55b.

The charge execution request process of the credit server 40 (S28) and the charge process of the management server 50 (S29) after receiving the charge instruction information are the same as S3 and S4 (see FIG. 4).
As shown in FIG. 3, the charged information is stored in the usage history information 55b by the process of S29.

In S30, the privilege management unit 56b of the management server 50 performs the privilege grant process by referring to the usage history information 55b of each user when the privilege grant determination date arrives. Here, an example in which the determination date is the end of the month will be described.
In the privilege granting process, users are sequentially extracted as follows.
(1) The users who have sent the campaign notification (that is, the users who satisfy the first condition) are extracted.
(2) The users who have applied are extracted from the users who have sent the campaign notification.
(3) From the users who applied, the users who meet the second condition (that is, charge by the deadline) after the application are extracted.

The privilege management unit 56b of the management server 50 sets the extracted user as a privilege grant target person up to (3) above. Then, 10% is added to the charge amount immediately after the user applies. That is, on the determination day of the privilege grant date, the additional amount of the charge is charged to the user's account.
Through the above process, the privilege management unit 56b gives a privilege to the user when the user uses the electronic money for five consecutive days (first condition) and charges it by the due date (second condition). To do.

In the example of FIG. 3, by the above (1) to (3), the user with “user ID 15a=001” is set as the target person of the privilege granting, while the user with “user ID 15a=002” is , It is not set as the person who is granted the privilege. Therefore, the privilege management unit 56b charges the former account with the privilege at the time of "2015/10/31", while not charging the latter account. It should be noted that FIG. 3 illustrates a record in which the latter account is not charged for convenience of explanation.
In this way, the electronic money system 1 can urge users who frequently use electronic money to continue to use it frequently.

Further, the privilege can be given to the user who has received the application information from the mobile terminal 20 after the campaign notification is transmitted by the payment from the mobile terminal 20.
Thereby, the operator gives a privilege to the user when the deposit is made after the campaign notification is transmitted and the application information is received from the mobile terminal 20. Therefore, the operator side can confirm the effect of the deposit due to the transmission of the campaign notification.

As described above, the electronic money system 1 of this embodiment can promote the use of electronic money.
Further, the management server 50 updates the balance of the electronic money account corresponding to the user ID 15a for each payment information from the store. That is, in the electronic money system 1, payment is made in the form of so-called web money. Therefore, the card 10 only needs to be provided with an inexpensive magnetic stripe 15 or the like for storing the user ID 15a, and the store can prepare an inexpensive reader for reading the magnetic stripe 15 or the like. Good. For example, a magnetic reader used with a credit card can be used as it is. As a result, the card 10 does not require an expensive IC chip for storing the balance, and also does not require an IC chip reader/writer even in a store or the like. Thereby, the entire electronic money system 1 can be constructed at low cost.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various modifications and changes are possible such as, for example, modifications to be described later, and these are also applicable. It is within the technical scope of the present invention. Further, the effects described in the embodiments are merely enumerations of the most suitable effects generated by the present invention, and the effects according to the present invention are not limited to those described in the embodiments. It should be noted that the above-described embodiment and the modification described later can be appropriately combined and used, but detailed description thereof will be omitted.

(Variation)
(1) In the embodiment, the privilege management unit (privilege grant condition determination unit) of the management server has shown an example of extracting a user having a high usage frequency as a privilege target person, but the invention is not limited to this. For example, the privilege management unit may extract users who are rarely used as privilege users. In this case, as the first condition, the determination criterion may be, for example, “use for the past 5 days is 2 days” or the like, and users having the determination criterion or less may be extracted. Also in this case, by setting the charge up to the deadline as the second condition, it is possible to prompt the user with a low usage frequency to charge.

(2) In the embodiment, the example in which the second condition is the charge until the due date has been shown, but the second condition is not limited to this. The second condition may be, for example, use by a store or the like until the deadline. Even in this case, the user can be prompted to use the electronic money.

(3) In the embodiment, the management server charges the electronic money account by transferring the charge to the designated bank account of the operator based on the operation of the user's mobile terminal by the credit server. Not limited to.
For example, the mobile terminal may directly instruct the bank server to transfer money from the user's bank account to the operator's designated bank account based on the user's operation.
In addition, the mobile terminal may directly permit the management server to withdraw the user's bank account to the designated bank account of the operator based on the user's operation.
In these cases, the electronic money account of the management server can be charged without going through the credit server, so that the system configuration and processing can be simplified.

(4) In the embodiment, the example of giving the privilege at the end of the month has been shown, but the present invention is not limited to this. The award may be given, for example, immediately after the charging date. In this case, the privilege after charging is promptly given, so that the user's motivation for charging can be improved.

(5) In the embodiment, an example in which the mobile terminal of the user is notified of the campaign has been shown, but the present invention is not limited to this. The campaign notification means may be, for example, various advertisements.
Further, in the embodiment, when the management server notifies the campaign, an example in which the account management program of the mobile terminal is operated by the push notification has been described, but the present invention is not limited to this. The management server may notify the campaign by notification on the homepage, e-mail, or the like. In this case, if the management server provides a link for accessing a WEB page for accepting application for the campaign on the home page, email, etc., the user can easily carry out the application procedure.

DESCRIPTION OF SYMBOLS 1... Electronic money system 10... Card 15... Magnetic stripe 20... Portable terminal 21... Touch panel 22... Acceleration sensor 25, 35, 45, 55... Storage part 25a... Account management program 26, 36, 46, 56... Control part 26a... Notification unit 26b...Communication unit 26c...Charge instruction unit 30...Store terminal 31...Card reader 40...Credit server 46a...Charge execution request unit 50...Management server 55a...Account information storage unit 55b...Use history information 56a...Account management unit 56b …Benefit management department 61…Notification display 62…Application screen

Claims (10)

A management server for managing an electronic money account associated with a medium and depositing electronic money into the electronic money account based on a user's operation of a deposit terminal,
A usage history management means for managing usage history information of electronic money,
And benefits giving condition judging means Ru determine Teisu whether the first privilege granting satisfying regarding the use frequency based on the use history information,
The payment terminal of the user is determined to satisfy the first privilege granting conditions by the privilege granting condition determining means, transmit the notification information to be transmitted notification information regarding payment deadline for electronic money account is a second privilege granting conditions Means and
Equipped with
The privilege granting condition determining means further determines whether or not the second privilege granting condition is satisfied after transmitting the notification information, based on the usage history information of the user who is the destination of the notification information,
Providing the privilege granting means to grant a privilege to the user it is determined that the second privilege granting satisfies by the privilege granting condition judging means,
A management server for electronic money accounts, characterized by: In the electronic money account management server according to claim 1 ,
The deposit terminal, after receiving the notification information, transmits to the management server, the intention information indicating the intention of the user to deposit, based on the operation of the user.
The privilege granting means,
Granting a privilege to the user when the deposit from the deposit terminal is after the notification information is transmitted and further after the intention information is received from the deposit terminal,
A management server for electronic money accounts, characterized by: In the electronic money account management server according to claim 1 or 2 ,
The medium includes user identification information for identifying a user,
The usage history management means,
When using electronic money, receiving payment information including amount information and the user identification information, and updating the usage history information based on the payment information,
A management server for electronic money accounts, characterized by: In the electronic money account management server according to any one of claims 1 to 3 ,
The privilege grant condition determination means,
When the frequency of use of electronic money is equal to or higher than the determination criterion, it is determined that the first privilege grant condition is satisfied,
A management server for electronic money accounts, characterized by: In the electronic money account management server according to any one of claims 1 to 3 ,
The privilege grant condition determination means,
If the frequency of use of electronic money is less than or equal to a criterion, it is determined that the first privilege grant condition is satisfied,
A management server for electronic money accounts, characterized by: A medium that the user has and can use electronic money,
Deposit terminal,
Are placing serial claims 1 to claim 5, manages electronic money account with corresponding to the medium, to deposit the electronic money into electronic money account based on the operation of the payment terminal by the user management server When,
An electronic money system including. The electronic money system according to claim 6,
The deposit terminal is
It is owned by the user,
Notification means for notifying that the notification information of the payment deadline of the second privilege granting condition is received from the management server when the first privilege granting condition is satisfied,
In response to the notification by the notification means, a payment instruction means for instructing payment to the electronic money account of the management server based on a user operation ,
Be equipped with,
An electronic money system characterized by. The electronic money system according to claim 7 ,
The payment terminal, after receipt of the notification information, Rukoto with intention information transmitting means for transmitting the intention information indicating the intention of the payment of the user to the management server,
An electronic money system characterized by. In the electronic money system according to claim 7 or 8 ,
The payment instruction means of the payment terminal, based on the output of the acceleration sensor due to the operation of swinging the payment terminal, and to Turkey the payment instruction,
An electronic money system characterized by. A privilege granting method by a management server that manages an electronic money account associated with a medium and deposits electronic money into the electronic money account based on a user's operation of a depositing terminal,
The management server is
Managing electronic money usage history information,
A step of determining whether or not a first privilege grant condition relating to the usage frequency is satisfied based on the usage history information;
A step of transmitting notification information regarding a payment deadline to an electronic money account, which is a second privilege granting condition, to the depositing terminal of the user who is determined to satisfy the first privilege granting condition;
A step of further determining whether or not the second privilege granting condition is satisfied after transmitting the notification information based on the usage history information of the user who is the transmission destination of the notification information,
Granting a privilege to the user determined to satisfy the second privilege granting condition;
The method of granting benefits.

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