JP2004362044A - Point management and operation system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a management and operation system that promotes use area extension and effective use of points. <P>SOLUTION: A server allows a communication terminal, via a communication network, to move points from a storage file of a point holder to a storage file of a point user, and a management file to execute synchronization processing for increasing or decreasing the points in each storage file upon the movement, processing for converting the moved points to cash, and processing for transferring the cash from an account of the point holder to an account for the management file. At the point user's request, the server transfers points stored in the storage file of the point user in cash from the account for the management file to an account of the point user, and erases the points transferred in cash from the storage file of the point user and the management file. This promotes use area extension and effective use of points. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a system for managing and operating points given through purchase of goods, use of services, cooperation of questionnaires, volunteer activities, transfer of points, and the like.
[0002]
[Prior art]
2. Description of the Related Art In recent years, as a means of promoting the sale of goods or the provision of services, a service of giving predetermined points to customers according to the purchase amount or the use amount has been actively performed. By accumulating a certain number of these points, for example, all or a part of the purchase price of the product or the usage fee of the service can be used.
[0003]
However, small and medium-sized stores, etc., are not cost effective to perform this point-granting service on their own, and when issuing a common point card among multiple member stores, the point card is simply displayed on the point card. Since only the information of the accumulated points is recorded, there is an inconvenience that the burden amount for each member store becomes unclear.
[0004]
Conventionally, in order to solve the above-mentioned inconveniences, each store transmits point data given to a customer from a communication terminal to a server via a network, and converts the points into electronic money on the server. Thus, there has been provided a system in which a corresponding amount of the converted electronic money is reduced from the account file of each store, and a customer purchases a product or the like in each store using the converted electronic money (for example, there has been provided a system). And Patent Document 1.).
[0005]
According to this system, point management is performed by the server management company, so small- and medium-sized stores do not need to construct their own point service system, thereby improving cost efficiency. Since the electronic money is subtracted from the account file, the burden on each store was clear even if it was implemented between multiple member stores.
[0006]
[Patent Document 1]
JP-A-2002-92520 (claims 8 to 10, FIG. 9)
[0007]
[Problems to be solved by the invention]
However, in the above-mentioned conventional system, the points are used only as a means for settlement of a price or a fee for the purchase of a product or the use of a service, and the use range is limited.
[0008]
Furthermore, in the above-mentioned conventional system, the electronic money converted from the points can be used only at stores participating in the system, and, for example, if there is no product to be purchased at these stores, the point user is As a result, the use of points has to be abandoned, and the points may not be used effectively.
[0009]
In the above-described conventional system, authentication is performed in order to access the server. However, more strict authentication processing should be required as long as points are treated as being equivalent to money.
[0010]
In view of the above problems, an object of the present invention is to provide a point management and operation system in which the use range of points is expanded under strict authentication processing and points are effectively used.
[0011]
[Means for Solving the Problems]
In order to solve the above problems, the system according to the present invention transmits a signal indicating that the number of points specified by the point holder is given to the point user from a communication terminal via a communication network such as the Internet, The specified number of points is moved from the storage file storing the points owned by the point holder to the storage file of the point user, and the increase / decrease of points of each storage file due to this movement is synchronized with the management file, and A point management operation system including a server having a transfer means for converting the moved points into cash at a predetermined conversion rate, collecting the converted cash from the account of the point holder, and transferring the converted cash to the account for the management file. The server, in response to the request of the point user, a point Transfer means for transferring all or a part of the points stored in the user's storage file from the account of the management file to the point user's account with cash, and storing the points transferred to cash for the point user Erasing means for erasing the file and the management file.
[0012]
According to this configuration, when a point is given from the point holder to the point user, the point moves between the files stored in the both, the point file is synchronized with the increase / decrease in the management file, and the moved point is cashed. The account has been transferred to the management file. Therefore, the point user can transfer the given points from the account of the management file to cash at any time, and when transferring the cash to cash, it is necessary to match the number of points in the storage file of the point user and the number of points in the management file. To transfer points, delete the transferred points.
[0013]
Here, points are points that can be converted into cash provided by purchasing goods, using services, cooperating with questionnaires, volunteer activities, games such as electronic roulette, etc. Even if the mileage is not given by the name of a point, such as a mileage to be earned, the point in the present invention is included as long as it meets the above-mentioned purpose.
[0014]
Further, the transfer of points includes not only transfer between point holders and point users, but also transfer between points.
[0015]
For convenience, the point holder is a generic name of a person who distributes the point first, and if a point holder later receives points from another point holder or a point user, the point holder becomes a point user. . The distribution of points between point holders and point users, or the distribution of points between point users and point users, may take various forms, for example, between companies and customers, between companies and companies, between customers and customers. Can be
[0016]
If the values of the points of the plurality of point holders are different from each other, the server may be provided with a conversion means for converting the points into the same value in order to unify the values of the points.
[0017]
If the point user desires, the server may transfer all or a part of the points stored in the file of the point user, in addition to the cash, foreign currency, electronic money, electronic metal, securities, etc. Can be converted at a predetermined conversion rate, and the converted equivalent can be transferred to the point user. Also in this case, in order to match the number of points, the transferred points may be deleted from the storage file and the management file of the point user.
[0018]
By the way, when a point user uses the above-mentioned system to pay other point users for the purchase of goods or the payment of fees for the use of services, the point user must A signal indicating the settlement is transmitted from the communication terminal to the server via a communication network such as the Internet. The server, upon receiving this signal, converts the payment amount into points at a predetermined conversion rate, and moves the converted points from the point user storage file to the other point user storage file. In addition, the increase / decrease of points due to this movement is synchronized with the management file, the cash corresponding to the moved points is collected from the point user's account and transferred to the management file account, and the other points are collected. At the request of the user, the moved points are transferred to cash or an equivalent by the transfer means. Also in this case, the moved point may be deleted from the storage file and the management file of the other point user by the deletion unit.
[0019]
In the transfer of points for the settlement, when the point user has applied for the purchase of goods or for the use of services, the server converts the converted points into a deposit file provided in the server. To the other point users who receive the settlement amount, that the converted points have been deposited. The other point users who have received this notification deliver the goods or provide services to the point users who have applied. Thereafter, if the points deposited in the file stored by the other point users are moved as the settlement amount in accordance with the instructions of the point user who made the application, so-called escrow settlement becomes possible using the points. , Secure transactions are possible.
[0020]
In addition, in the above escrow settlement, if the conditions of the settlement are changed after the points are deposited in the deposit file, the server according to the contents of the change, the server of the points deposited in the deposit file. All or a part may be returned to the point user's storage file or moved to the other point user's storage file.
[0021]
Here, the change of the settlement conditions is, for example, when the point user cancels the application for purchase of the product, the application for the use of the service, when the point user changes the quantity of the product, or For example, there is a case where an application for purchase is made immediately after a product whose quantity is limited has been sold out, and points have already been deposited in the deposit file.
[0022]
In each of the settlements, if the number of points corresponding to the settlement amount is insufficient in the file stored by the point user, the server communicates with the point user via a communication network such as the Internet. What is necessary is just to transmit a signal to the effect that settlement is impossible due to a shortage of points to the terminal, and display the signal on a display device provided in the communication terminal of the point user.
[0023]
By the way, the communication terminal includes, for example, a personal computer connectable to the communication network, or a portable terminal, a mobile phone, or a medium on which an IC chip such as an IC card is mounted, a reader / writer for the medium, and a reader / writer for the medium. There is an IC chip system including a communication terminal connectable to a writer, which can be connected to the communication network.
[0024]
Here, the medium on which the IC chip is mounted is, for example, an IC card, an IC tag, or the like.
[0025]
In addition, in order to connect the communication terminal with the file stored in each of the point holder and the point user on the server, personal authentication using an ID and a password is performed, and a unique hardware ID or the like unique to each communication terminal is used. If an authentication server that performs automatic authentication based on a number is provided, the above-mentioned automatic authentication is weighted in addition to the above-mentioned individual authentication that is generally performed in the past, so that the points are treated as being equivalent to money, and more strict authentication processing is performed. Becomes possible. In the above-mentioned IC chip system, mutual authentication is usually performed off-line between the medium and the reader / writer. Therefore, the authentication process is further weighted, and the point data is recorded in a storage file on a server. Since the medium is not recorded on the medium itself, even if the medium is lost, it is not immediately misused by a third party who has acquired the medium.
[0026]
Therefore, the above-mentioned IC chip system is most preferable as a communication terminal in terms of security.
[0027]
When the point holder and the point user in which the storage file is created request browsing of the details of the points stored in the own storage file, the communication terminal may specify the details of the points stored in the own storage file. A signal for a browsing request is transmitted via the communication network, an authentication process is performed by the authentication server, and the server is caused to display details of the browsing request on a display device provided in the communication terminal. What should I do?
[0028]
The point management and operation system presupposes the distribution of points in a country where a common currency is used. Therefore, if this point management and operation system is provided in a plurality of countries, the value of points in each country may differ.
[0029]
Therefore, in order to provide the point management and operation system in a plurality of countries and distribute the points distributed in the home country from the communication terminal via the communication network through the foreign point management and operation system, What is necessary is just to provide the conversion means which converts into the point distributed in the foreign country.
[0030]
When the server is operated, a predetermined conversion fee may be subtracted from the converted points, the converted cash, or the equivalent when performing the various conversions.
[0031]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is a diagram schematically showing a distribution mode of points according to the present invention. In the figure, solid arrows indicate distribution of points, and broken arrows indicate distribution of products and the like related to the points.
[0032]
When purchasing a product from the point holder 2, the point user 1 acquires points corresponding to the price of the product. Similarly, when receiving a service from the point holder 3, the point user 1 acquires a point corresponding to a fee for the service. Further, the point user 1 obtains points by cooperating with the point holder 4 in a questionnaire. Various modes of obtaining points may be considered, such as those obtained through volunteer activities and those obtained through games such as electronic roulette, and the above-described obtaining modes are merely examples.
[0033]
Here, the points are, for example, the points given when providing the above-mentioned service, the name of the points such as mileage given by the airline which is the point holder 3 based on the distance used by the customer who is the point user 1 It is not limited to the one using.
[0034]
The point user 1 transfers the points acquired from the point holders 2 and 3 to another point user 5 or as a price for a product purchased from the point user 6 and as a fee for services provided by the point user 7. You may settle by points.
[0035]
The point user 1 uses the point management and operation system according to the present invention to transfer the points held by the user to cash or foreign currency, electronic money, electronic metal, securities, etc. It is also possible to transfer to. That is, in the point management and operation system according to the present invention, the point user 1 can receive the points, use the received points as they are for settlement, etc., and transfer them to the equivalent 8 described above. And the points can be widely used as so-called pseudo money.
[0036]
The name of the above point holder is a generic name of the person who distributes points first for convenience, and if the person who became a point holder receives points from another point holder or point user, it becomes a point user . The distribution of points between point holders and point users, or the distribution of points between point users and point users, may take various forms, for example, between companies and customers, between companies and companies, between customers and customers. Can be
[0037]
Note that the point management and operation system according to the present invention may be made to coexist with a privilege using an existing point card. Therefore, even a company that has already implemented the point issuing system and a customer who has already acquired points can use the point management and operation system according to the present invention.
[0038]
FIG. 2 shows a configuration example of the point management and operation system according to the present invention. Reference numeral 9 exemplifies communication terminals, and may be a communication terminal other than the communication terminal 9 without departing from the spirit of the present invention described in the claims.
[0039]
Each of the communication terminals 9 can be connected to a communication network 10 such as the Internet. 91 is a personal computer, 92 is a mobile terminal, and 93 is a mobile phone. An IC chip system 94 includes a medium 94a on which an IC chip such as an IC card is mounted, a reader / writer 94b for the medium 94a, and a communication terminal 94c connectable to the reader / writer 94b. Here, the medium 94a on which an IC chip is mounted is, for example, an IC card, an IC tag, or the like. In the embodiment of the present invention, an IC card is used.
[0040]
The communication terminal 9 is connected to the authentication server 11 via the communication network 10. The authentication server 11 performs personal authentication using a point holder, a point user ID and a password in order to connect the communication terminal 9 and the server 12, and uses a unique number such as a hardware ID unique to each communication terminal 9. Perform automatic authentication.
[0041]
In the authentication server 11, the automatic authentication is weighted in addition to the personal authentication generally performed in the related art, so that more strict authentication processing can be performed when treating points as being equivalent to money.
[0042]
In the IC chip system 94, since the mutual authentication is normally performed between the medium 94a and the reader / writer 94b offline, the authentication process is further weighted, and the point data is recorded in the server 12. Since the data is not recorded on the medium 94a itself, even if the medium 94a is lost, it is not immediately misused by a third party who has acquired the medium 94a.
[0043]
Therefore, as the communication terminal 9, the IC chip system 94 is most preferable in terms of security.
[0044]
When the point holder and the point user request browsing of the details of their points, the communication terminal 9 transmits a signal of a browsing request of the details of their points stored in the server 12 via the communication network 10. Then, after the authentication server 11 performs the authentication process, the specification requested for browsing may be displayed on a display device provided in the communication terminal 9.
[0045]
FIG. 3 is a configuration example of the server 12. When a point holder or a point user uses the point management and operation system according to the present invention for the first time, first, a point storage file 122 is created by the database 121. The browsing of the point details described with reference to FIG. 2 actually refers to the details of the respective storage files 122 created in the server 12.
[0046]
The database 121 for creating and searching the storage file 122 is provided in the server 12 in the embodiment of the present invention. However, a database server may be provided separately and connected to the server 12. Further, the database management may be performed by a company different from the company that operates the server 12.
[0047]
The increase / decrease of the points between the point holder storage file 122 and the point user storage file 122, or the point increase / decrease of the storage file 122 between the point users are all synchronously processed by the management file 123. Therefore, even if the data of each storage file 122 is falsified or destroyed, the storage file 122 is backed up by the management file 123, so that the recovery of the storage file 122 is easy.
[0048]
The storage file 122 is linked to the point holder or the point user's cash account A1 in which the storage file 122 is created. The management file 123 is also linked to the cash account A2. Therefore, for example, when the point holder uses the point management and operation system according to the present invention, cash corresponding to the owned points must be deposited in the cash account A1.
[0049]
By the way, the value per point of existing point holders is not always the same. For example, if the value per point of a certain point holder is cashed, the value is 1 yen, whereas if the value per point of another point holder is cashed, the value is 0.5 yen. In this case, for example, if there are 10 points of 1 point = 0.5 yen with 1 point = 1 yen as a reference rate, a conversion means (not shown) for converting to 5 points may be provided in the server. .
[0050]
When the server 12 is operated, a deduction means (not shown) for deducting a predetermined conversion fee from converted points, converted cash, and the like when performing various conversions described below is provided to the server 12. It may be provided.
[0051]
FIG. 4 is a diagram showing a flow of a transfer process to cash on the server 12 according to the present invention.
[0052]
The point holder transmits a signal indicating that the number of points designated by the point holder is given to the point user from the communication terminal 9 shown in FIG. 2 via the communication network 10. When the server 12 receives this signal, it performs a point movement process S1 of moving the specified number of points from the storage file 122a storing the points owned by the point holder to the storage file 122b of the point user.
[0053]
To increase or decrease the points of each of the storage files 122a and 122b due to the movement, the management file 123 performs the synchronization processing S2 and also performs the conversion processing S3 for converting the moved points into cash at a predetermined conversion rate.
[0054]
A cash collection process S4 for collecting the converted cash from the account A1a of the point holder is performed, and the cash is transferred to the account A2 of the management file 123. The process of transferring the account A1a to the account A2 in the cash collection process S4 is actually performed in conjunction with a financial institution such as a bank or a post office where the accounts A1a and A2 are provided.
[0055]
The point user sends a signal to the server 12 from the communication terminal 9 via the communication network 10 to transfer all or a part of the points stored in the storage file 122b of the user to cash.
[0056]
The server 12 performs an erasing process S5 for erasing the points that the point user desires to transfer from the storage file 122b, and performs a transfer process S6 for transferring the account A2 to the point user's account A1b. This transfer process S6 is also actually performed in conjunction with a financial institution such as a bank or a post office where the accounts A1b and A2 are provided.
[0057]
As described above, in the point management and operation system according to the present invention, the moved points are cashed in the management file 123, and the cash is transferred to the account A2 in the management file 123. The accumulated points can be transferred from the account A2 of the management file 123 to the own account A1b with cash at any time. Therefore, unlike the related art, the use of points is not limited to the use of payment, such as payment of the purchase price of a product, and the effect of extending the use range of points can be expected.
[0058]
FIG. 4 shows a case where the points are transferred to cash. However, if the point user desires, all or a part of the points stored in the point user storage file 122b may be replaced with the above-mentioned cash. In addition, it is also possible to convert to equivalents such as foreign currency, electronic money, electronic metal, and securities at a predetermined conversion rate, and transfer the converted equivalents to point users.
[0059]
FIG. 5 shows a processing flow of settlement on the server 12, such as payment of points and payment of fees.
[0060]
When a point user (point payer) makes an application S1 for purchasing a product and using a service, the point user (point receiver) who sells the product and provides the service receives the price along with the sale of the product and the provision of the service. Or charge S2.
[0061]
The point payer sends a signal to the server 12 via the communication network 9 from the communication terminal 9 to the server 12 to pay the above-mentioned fee or price from the storage file 122c.
[0062]
Upon receiving the signal, the server 12 performs a point conversion process S3 of converting the fee or price, that is, the amount of the settlement into a point. Movement processing S4 is performed to move the converted points from the point payer storage file 122c to the point recipient storage file 122d. Synchronization processing S5 of increase / decrease of the points of the storage file 122c and the storage file 122d due to this movement is performed by the management file 123. The cash collection process S6 is performed from the account A1c of the point payer, and the cash corresponding to the moved point, that is, the account corresponding to the settlement is transferred to the account A2 of the management file 123. The process of transferring the account A1c to the account A2 in the cash collection process S6 is actually performed in conjunction with a financial institution such as a bank or a post office where the accounts A1c and A2 are provided.
[0063]
If the point receiver who has received the points wishes to transfer the received points to cash or the like, the points may be processed according to the processing flow shown in FIG.
[0064]
FIG. 6 shows a processing flow in a case where a so-called escrow payment is performed by points on the server 12.
[0065]
When a point user (point payer) makes an application S1 for purchasing a product and using a service, the point user (point receiver) who sells the product and provides the service charges S2 for the price or fee. .
[0066]
The point payer sends a signal to the server 12 via the communication network 10 from the communication terminal 9 to the server 12 to pay the above-mentioned fee or price in points from the storage file 122e.
[0067]
When the server 12 receives the signal, the server 12 performs a conversion process S3 for converting the fee or price, that is, the payment amount into points. A transfer process S4 for transferring the converted points from the point payer storage file 122e to the deposit file 124 is performed.
[0068]
When the converted points are deposited in the deposit file 124, a notification process S5 of transmitting a signal notifying that the converted points have been deposited to the communication terminal 9 of the point receiver is performed. The point receiver receiving this notification delivers the goods or provides services S6 to the point payer who made the application. A notification process 7 is performed from the point payer's communication terminal 9 to the server 12 to notify the server 12 of moving the deposited point to the point recipient's storage file 122f as a payment amount. The deposited points move from the deposited file 124 to the storage file 122f. Synchronization processing, cash collection processing, and transfer processing after movement of points in the movement processing S8 are the same as the processing shown in FIG.
[0069]
In the above-mentioned escrow settlement, if the conditions of the settlement are changed after the points are deposited in the deposit file 124, the server 12 is deposited in the deposit file 124 according to the contents of the change. All or part of the points may be returned to the point payer storage file 122e or moved to the point payee storage file 122f.
[0070]
Here, the change of the settlement conditions is, for example, when the point payer cancels the application for purchasing the product, the application for using the service, or when the point payer changes the quantity of the product, Alternatively, there may be a case where an application for purchase is made immediately after a product whose quantity is limited has been sold out, and points have already been deposited in the deposit file 124.
[0071]
By the way, in the settlement processing described with reference to FIGS. 5 and 6, if the number of points corresponding to the settlement amount is insufficient in the point payer storage file 122c or 122e, the server 12 establishes the communication network 10 May be transmitted to the point payer's communication terminal 9 via the terminal.
[0072]
FIG. 7 is a configuration block diagram of a system for interconnecting point management and operation systems provided between a plurality of countries.
[0073]
The point management and operation system according to the present invention is premised on the distribution of points in a country where a common currency is used. Therefore, if this point management and operation system is provided in a plurality of countries, the value of points in each country may differ.
[0074]
Therefore, point management operation systems 13a, 13b, 13c and 13d are provided in a plurality of countries (four countries in FIG. 7), and the communication terminals 9a, 9b, 9c and 9d of the respective countries are connected via the communication network 10 such as the Internet. In order to distribute the points distributed in the home country to any of the foreign point management and operation systems 13a, 13b, 13c and 13d, a conversion means 14 for converting the points into the foreign points to be connected may be provided. .
[0075]
If points are distributed to foreign countries from the point management and operation systems 13a, 13b, 13c, and 13d in each country, the number of points may not be consistent in the domestic system. Accordingly, for example, a foreign database 15 is provided to provide a center for operating the conversion means 14 and to match with the databases 121a, 121b, 121c and 121d in the point management systems 13a, 13b, 13c and 13d in each country. May be provided.
[0076]
【The invention's effect】
As is clear from the above description, according to the present invention, the points given to the point user are not limited to the use of payment, such as the payment of the purchase price of the product, as in the related art. Therefore, the effect of extending the use range of points can be expected. For example, for a point holder such as a store, an increase in sales promotion effect by giving points is expected.
[0077]
In addition, for point users such as customers, by expanding the range of use of points, it is possible to effectively use points by cashing out points that have been left unused because they have low utility value in the past. .
[0078]
Furthermore, since the points are used as pseudo money as described above, strict authentication processing is required. In the present invention, in addition to normal personal authentication, automatic authentication based on the unique number of the communication terminal is weighted, and furthermore, IC In the chip system, mutual authentication is performed off-line between the medium and the reader / writer, so that high reliability of the system can be expected. Even if the point storage file of each point user is falsified or destroyed, the management file is still synchronized, so measures for recovery are also considered.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing a distribution mode of points.
FIG. 2 is a configuration diagram of a point management operation system.
FIG. 3 is a configuration diagram of a server;
FIG. 4 is a diagram showing a transfer processing flow from points to cash.
FIG. 5 is a diagram showing a processing flow of settlement such as payment of a price and a fee by points;
FIG. 6 is a diagram showing a processing flow of escrow payment;
FIG. 7 is a configuration block diagram of a point management and operation system provided between a plurality of countries.
[Explanation of symbols]
1 point user
2 point holder
9 Communication terminal
10 Communication network
11 Authentication server
12 servers

Claims (12)

When a signal is transmitted from a communication terminal via a communication network such as the Internet network to give the point user the number of points specified by the point holder, the point holder owns the points stored in the storage file storing the points. Move the specified number of points to the point user's storage file, synchronize the increase / decrease of points of each storage file with this movement in the management file, and convert the moved points to cash at a predetermined conversion rate A point management and operation system comprising a server having a transfer means for collecting the converted cash from the account of the point holder and transferring the converted cash to the account for the management file. Depending on the number of points stored in the point user storage file, Or a transfer means for transferring a part of the management file from the account of the management file to the point user's account with cash, and an erasing means for deleting the point transferred to cash from the storage file and the management file of the point user. A point management and operation system characterized by the following. 2. The server according to claim 1, wherein the server includes a conversion unit that converts the points to the same value in order to unify the values of the points when the values of the points of the plurality of point holders are different from each other. Point management operation system. The server converts all or a part of the points stored in the point user's storage file into equivalents such as foreign currency, electronic money, electronic metal, and securities in addition to the cash in response to the request of the point user. It is provided with a transfer means for converting at a predetermined conversion rate and transferring to the point user with the converted equivalent, and an erasing means for erasing the transferred points from the point user storage file and the management file. The point management and operation system according to claim 1 or 2, wherein: In order for the point user to make a payment to another point user for the purchase of a product or payment of a fee for the use of services, a signal of the payment is sent from the communication terminal to the Internet network or the like. When transmitted to the server via the communication network, the payment amount is converted into points at a predetermined conversion rate, and the converted points are stored in the point user storage file and the other point user storage files. , And the increase / decrease of points associated with the movement is synchronized with the management file, the cash corresponding to the moved points is collected from the point user's account and transferred to the management file account, and In accordance with a request from another point user, the moved point is displayed by the transfer means according to claim 1 or 3. Alternatively, the moved points are deleted from the storage file and the management file of the other point user by an erasing means according to claim 1 or 3, by transferring to an equivalent. 3. The point management and operation system according to any one of the items up to 3. In the transfer of points for settlement according to claim 4, when the point user makes an application for purchasing a product or an application for using a service, the server sends the converted points according to claim 4 to the server. Is transferred to the deposit file provided in the above, the other point users who receive the settlement amount are notified that the converted points have been deposited, and the other point users receiving this notification, After delivering the goods or providing services to the point user who applied for the above, transfer the points deposited in the above other point user's storage file as the settlement amount according to the instructions of the point user who applied for this application The point management operation system according to claim 4, wherein: In the transfer of points for settlement according to claim 5, when the conditions of the settlement are changed after the points are deposited in the deposit file, the server deposits the deposit in the deposit file according to the contents of the change. 6. The point management and operation system according to claim 5, wherein all or a part of the points obtained is returned to the storage file of the point user or moved to the storage file of the other point user. In the above settlement, when the number of points corresponding to the settlement amount is insufficient in the file stored by the point user, the server is connected to the communication terminal of the point user via a communication network such as the Internet. The point management and operation system according to any one of claims 4 to 5, wherein a signal indicating that settlement is not possible due to an insufficient number of points is transmitted. 2. A communication terminal according to claim 1, wherein said communication network is connected to a personal computer, a portable terminal, a mobile phone, or an IC card or other medium, and a reader / writer for said medium. 8. An IC chip system comprising a communication terminal connectable to a reader / writer, the IC chip system being any one connectable to the communication network. Point management operation system. Personal authentication using an ID and a password for connecting the communication terminal according to claim 1 to a file stored in each of a point holder and a point user on the server, and a hardware ID unique to each communication terminal. 9. The point management and operation system according to claim 1, further comprising an authentication server for performing automatic authentication with the unique number of the point. When the point holder and the point user in which the storage file is created transmits a signal for requesting a view of the details of the points stored in the own storage file from the communication terminal via the communication network, the authentication server The server according to any one of claims 1 to 7, after performing the authentication process, causes the display device provided in the communication terminal to display the specification requested for browsing. The point management and operation system according to any one of claims 1 to 9. The point management and operation system is provided in a plurality of countries, and in order to distribute points distributed in the home country from the communication terminal via the communication network to the foreign point management and operation system, the foreign country of the connection destination is provided. The point management and operation system according to any one of claims 1 to 10, further comprising conversion means for converting into points. 12. The server according to claim 1, further comprising a deduction unit configured to deduct a predetermined conversion fee from the converted points, the converted cash, or the equivalent when performing the various conversions. The point management operation system according to any of the above.

Images