JP2008021013A - Point conversion system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a point conversion system which uses the existing automatic transaction device of an electronic money agency to directly convert the point of each point agency into the electronic money of the electronic money agency. <P>SOLUTION: In this point conversion system, a customer terminal is provided with a terminal transmission part for transmitting input conversion destination agency identification information, conversion request data, conversion point information, first customer identification information and second customer identification information to a point agency server, and the point agency server is provided with: a point processing part for applying subtraction processing to cumulative point information based on the conversion point information and the first customer identification information; an electronic money arithmetic part for performing the arithmetic operation of electronic money information based on a conversion rate and conversion point information; and a point server transmission part for transmitting the second customer identification information and the electronic money information to the electronic money agency server based on the conversion destination agency identification information, and the electronic money agency server is provided with an electronic money information storage part for storing the received electronic money information by making it to correspond to the second customer identification information. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a point conversion system for converting points of a point institution that performs a point service into electronic money of an electronic money institution that issues electronic money.

  Credit card companies, banks, airlines, and other institutions are known to offer point services that give customers points based on the amount they spend when purchasing products, executing prescribed transaction processing, or boarding an aircraft. ing. Organizations that provide point services, that is, point organizations, give points to customers according to their operational rules, and offer various benefits such as discounts on payment amounts and exchange for products according to the number of points accumulated. To improve serviceability and promote sales.

  In addition, many point organizations are implementing point exchanges that make business tie-ups between a plurality of point organizations so that points can be converted into each other. For example, when a customer has a point card of a point institution A and a point card of a point institution B, the points accumulated in the point card of the point institution A are converted into points of the point institution B, and the point institution B You can enjoy the benefits offered by.

  In addition, among the above point institutions, there are also point institutions that issue electronic money, that is, electronic money institutions. Such an electronic money organization implements point conversion that makes it possible to convert accumulated points into electronic money.

  The conversion process from points to electronic money can be executed using an automatic transaction apparatus installed in a store of an electronic money institution. The customer inserts the electronic money institution's point card and electronic money card into the automatic transaction apparatus. The automatic transaction apparatus displays on the screen a selection button indicating the amount type of electronic money that can be converted according to the number of points accumulated in the customer's point card. When the customer selects one of the selection buttons, the automatic transaction apparatus performs processing with the host computer of the electronic money institution to reduce the number of points stored in the customer's point card and to convert the converted electronic money. Is added to the electronic money balance of the customer's electronic money card, and these cards are discharged. Thereafter, the customer can use the electronic money card to purchase a product, use a service, etc. at a store where the electronic money card can be used.

  However, the conversion from points to electronic money can be performed only within the point service of the electronic money organization. Therefore, if you want to use points from a point institution that does not issue electronic money by converting them to electronic money, the customer first applies to the point institution to exchange points for the electronic money institution, and the point exchange process is executed After that, it was necessary to apply for conversion from points to electronic money with an electronic money institution, which was very troublesome.

  In addition, each point institution has specified limits on the number of point exchanges, etc., and after exchanging points according to restrictions on customer point exchange applications, point exchanges are carried out. To do. The point institution has traditionally performed these processes in batches for a certain period or for a certain number of cases, so after the customer has applied for point exchange with the point institution, the point institution is transferred to the point of the electronic money institution. There is a problem that it takes time to complete the point exchange process.

  On the other hand, conversion from points to electronic money at an electronic money institution can be performed using an automatic transaction device as described above, and points are converted into electronic money immediately after applying for point conversion from a customer. Can be used. However, in the automatic transaction apparatus, in order to realize the conversion from the point of another point institution to the electronic money of the electronic money institution, a large amount of screen display and processing corresponding to the point institution can be executed. Development that requires much effort and cost. Therefore, conversion processing from points of other point institutions to electronic money has not been realized.

  Therefore, there has been a demand for a point conversion system capable of directly converting the points awarded by each point organization into the electronic money of the electronic money organization using an existing automatic transaction apparatus installed in the store of the electronic money organization. .

  The present invention adopts the following configuration in order to solve the above points.

<Configuration 1>
The point conversion system according to the present invention includes an electronic money institution server that issues electronic money, a point institution server that is communicable with the electronic money institution server and performs point services, and the point institution A customer terminal that can communicate with the server, and the customer terminal should convert conversion destination institution identification information corresponding to the electronic money institution, conversion request data indicating a point conversion request to the electronic money of the electronic money institution Terminal input unit for inputting conversion point information, first customer identification information as customer identification information in a point organization, and second customer identification information as customer identification information in an electronic money organization, and input conversion destination organization identification Information, conversion request data, conversion point information, first customer identification information and second customer identification information And a point institution server that stores a conversion rate between points and electronic money in correspondence with institution identification information of the electronic money institution, and customer accumulated point information. , A point information storage unit that stores the customer corresponding to the first customer identification information, and conversion destination organization identification information, conversion request data, conversion point information, first customer identification information, and second customer identification information from the customer terminal. A point server receiving unit, a point processing unit that performs a subtraction process on the accumulated point information stored in the point information storage unit based on the received conversion point information and the first customer identification information, and the received conversion Based on the institution identification information, the conversion rate is read from the rate storage unit, and the conversion rate is converted based on the conversion rate and the received conversion point information. An electronic money calculation unit for calculating electronic money information indicating the amount of electronic money to be calculated, and the calculated electronic money information and the received second customer identification information to the electronic money institution server based on the received conversion destination institution identification information And an electronic money institution server that receives the electronic money information and the second customer identification information from the point institution server, and the received second electronic money information. And a customer information storage unit that stores the customer identification information in association with the customer identification information.

  In the point conversion system according to the present invention, the electronic money institution server receives from the point institution server the electronic money information stored in the customer information storage unit corresponding to the second customer identification information received from the point institution server. The electronic money processing part which performs the addition process of the received electronic money information can be further provided.

  The terminal input unit can further allow the customer to input a terminal input number composed of a plurality of symbols. In this case, the terminal transmission unit transmits the further input terminal input number to the point institution server, and the point information storage unit further uses the first personal identification number as the personal identification number set in advance as the first customer identification information. The point server receiving unit further receives a terminal input number from the customer terminal, and the point institution server stores the point information storing unit based on the first customer identification information received by the point server receiving unit. A search determination unit is further provided for searching for the stored first personal identification number and determining whether the received terminal input number matches the first personal identification number. Subtract processing.

  The point institution server reads the money type selection screen from the server screen storage unit that stores the money type selection screen for allowing the customer to select the money type of the electronic money requested for conversion, and reads the electronic money type screen from the server screen storage unit. And a server screen editing unit that performs an editing process on the amount type selection screen based on the electronic money information calculated by the calculation unit, and the point server transmission unit further displays the edited amount type selection screen as a customer The customer terminal further includes a terminal receiving unit that receives the amount type selection screen from the point institution server, and a terminal display unit that displays the received amount type selection screen. When the amount type is selected, the terminal input unit further inputs the corresponding amount type information, and the terminal transmitting unit further inputs the input amount type information. The point server receiving unit can further receive the money type information from the customer terminal, and the point server transmitting unit can send the received money type information to the electronic money institution server as electronic money information. .

  In this case, the amount type selection screen has an amount type selection button for selecting the amount type, and the terminal input unit performs input based on a selection signal from the amount type selection button.

  The point conversion system according to the present invention may further include an electronic money institution automatic transaction apparatus connected to an electronic money institution server via a communication line. In this case, the automatic transaction apparatus includes conversion source institution identification information corresponding to the point institution, storage request data indicating a request for storing the point-converted electronic money in the customer's electronic money card, and the customer's second customer identification information. And an apparatus transmitting unit for transmitting the input conversion source institution identification information, storage request data, and second customer identification information to the electronic money institution server, and the electronic money institution server is an automatic transaction apparatus A point institution information storage unit for storing the point institution information to be displayed in correspondence with the institution identification information of the point institution, and an electronic money information storage unit based on the second customer identification information received from the automatic transaction apparatus Point institution information based on the first search reading unit that retrieves the corresponding electronic money information and the conversion source institution identification information received from the automatic transaction apparatus A second search / reading unit that searches the payment unit and reads out the corresponding point institution information; and an electronic money server transmission unit that transmits the read electronic money information and the point institution information to the automatic transaction apparatus. The apparatus further includes a device receiving unit that receives electronic money information and point institution information from the electronic money institution server, and a display unit that displays the received electronic money information and point institution information.

  The input unit can further allow the customer to input a device input number composed of a plurality of symbols. In this case, the device transmission unit transmits the further input device input number to the electronic money institution server, and the electronic money information storage unit further converts the second password as a preset password into the second customer identification. The electronic money server receiving unit further receives a device input number from the automatic transaction apparatus, and the electronic money institution server receives the electronic money based on the second customer identification information received from the automatic transaction apparatus. When the second password stored in the information storage section is searched, and further provided with a search determination section for determining whether or not the received device input number matches the second password, The first search / read unit performs a search / read operation.

  The point conversion system according to the present invention may further include a customer electronic money card issued by an electronic money organization. In this case, the electronic money card includes an electronic money information storage unit that stores electronic money information, and the automatic transaction apparatus includes a card reading unit that reads the electronic money information from the electronic money information storage unit, and the read electronic money information. A device calculation unit that calculates the updated electronic money information by adding the electronic money information received from the electronic money institution server, and a card book that writes the calculated updated electronic money information as electronic money information in the electronic money information storage unit And further comprising an insert portion.

  As the electronic money card, an IC (Integrated Circuit) card can be adopted. In this case, an IC chip included in the IC card is adopted as the electronic money information storage unit, an IC card reader that executes a reading process on the IC chip is adopted as the card reading unit, and the IC chip is used as the card writing unit. An IC card writer that executes a writing process is adopted.

  As the second customer identification information, the point card number of the customer's point card issued by the electronic money organization can be adopted. In this case, the automatic transaction apparatus further includes a card reading unit that reads the point card number from the point card, and the second customer identification information is input by the card reading unit.

  Moreover, the credit card number of the customer's credit card issued by the electronic money organization can be adopted as the second customer identification information. In this case, the automatic transaction apparatus further includes a card reading unit that reads the credit card number from the credit card, and the second customer identification information is input by the card reading unit.

  Furthermore, an electronic money card number of an electronic money card issued by an electronic money organization can be adopted as the second customer identification information. In this case, the automatic transaction apparatus further includes a card reading unit that reads the electronic money card number from the electronic money card, and the second customer identification information is input by the card reading unit.

  An IC card having an IC chip can be adopted as the electronic money card. In this case, an IC card reader that performs a reading process on the IC chip is employed as the card reading unit.

  In the point conversion system according to the present invention, a host computer of an electronic money organization can be adopted as the electronic money organization server.

  A point institution host computer may be employed as the point institution server.

<Configuration 2>
The point conversion system according to the present invention includes an automatic transaction apparatus of an electronic money institution for issuing electronic money, an electronic money institution server of an electronic money institution connected to the automatic transaction apparatus via a communication line, and the electronic money institution server A point server of a point institution that can perform point services, and an automatic transaction apparatus includes conversion source institution identification information corresponding to the point institution and points from the point institution to electronic money An input unit for inputting conversion request data indicating a conversion request and first customer identification information as customer identification information in the point organization, input source organization identification information, conversion request data, and first customer identification information An electronic money institution server, and the electronic money institution server identifies the conversion institution from the automatic transaction device. Information, conversion request data, and first customer identification information, an electronic money server reception unit, an electronic money server generation unit that generates a conversion request signal indicating a point conversion request, the generated conversion request signal and the received first An electronic money server transmitting unit that transmits customer identification information to the point institution server based on the received conversion source institution identification information, and the point institution server uses the customer's accumulated point information as the first customer identification information of the customer. A point information storage unit that stores the corresponding information, a point server reception unit that receives the conversion request signal and the first customer identification information from the electronic money institution server, and a point information storage unit based on the received first customer identification information And a point processing unit that performs point conversion processing on the accumulated point information stored in.

  The input unit can further allow the customer to input a device input number composed of a plurality of symbols. In this case, the device transmission unit further transmits the input device input number to the electronic money institution server, the electronic money server reception unit further receives the device input number from the automatic transaction device, and the electronic money server transmission unit Further, the device input number is transmitted to the point institution server, the point information storage unit further stores a preset password corresponding to the first customer identification information, and the point server reception unit further stores the electronic money institution server. The point institution server retrieves the code number stored in the point information storage unit based on the first customer identification information received by the point server reception unit, and receives the code number. And a search determination unit that determines whether or not the device input numbers match. If it is determined that the device input numbers match, the point processing unit performs point processing.

  In the point conversion system according to the present invention, the automatic transaction apparatus selects an amount type selection screen for storing an amount type selection screen for allowing a customer to select an amount type of electronic money requested for conversion, and an amount type selection from the screen storage unit. A screen editing unit that reads the screen and edits the amount type selection screen, and a display unit that displays the edited amount type selection screen can be further provided. In this case, when an amount type is selected on the displayed amount type selection screen, the input unit further inputs the corresponding amount type information, and the device transmission unit further inputs the input amount type information to the electronic money. The electronic money server receiving unit further receives money type information from the automatic transaction apparatus, and the electronic money server transmitting unit further transmits the received money type information to the point institution server, and the point server receiving unit Further receives amount type information from the electronic money institution server, and the point processing unit performs point conversion processing based on the received amount type information.

  In this case, the amount type selection screen has an amount type selection button for selecting the amount type, and the input unit performs input based on a selection signal from the amount type selection button.

  The point conversion system according to the present invention may further include a customer electronic money card issued by an electronic money organization. In this case, the electronic money card includes an electronic money information storage unit that stores electronic money information, and the automatic transaction apparatus includes a card reading unit that reads the electronic money information from the electronic money information storage unit, and the read electronic money information. A device calculation unit for calculating updated electronic money information by adding the money type information input by the input unit, and card writing for writing the calculated updated electronic money information as electronic money information in the electronic money information storage unit And a section.

  As the electronic money card, an IC (Integrated Circuit) card can be adopted. In this case, an IC chip included in the IC card is adopted as the electronic money information storage unit, an IC card reader that executes a reading process on the IC chip is adopted as the card reading unit, and the IC chip is used as the card writing unit. An IC card writer that executes a writing process is adopted.

  In the point conversion system according to the present invention, the electronic money institution server receives the conversion rate between points and electronic money in correspondence with the institution identification information of the point institution, and receives from the automatic transaction apparatus Based on the converted institution identification information, the point institution information storage unit is searched, and the second search / read unit for reading the corresponding conversion rate, the amount type information received from the automatic transaction apparatus, and the second search / read unit. A point calculation unit that calculates conversion point information to be converted based on the output conversion rate can be further provided. In this case, the electronic money server transmission unit transmits the calculated conversion point information to the point institution server, the point server reception unit further receives the conversion point information from the electronic money institution server, and the point processing unit receives the conversion point information. Based on the conversion point information, a point conversion process is performed.

  In the point conversion system according to the present invention, the electronic money server transmission unit further transmits the organization identification information of the electronic money organization to the point organization server, and the point server reception unit further receives the organization identification information from the electronic money organization server. The point processing unit stores a conversion rate between points and electronic money corresponding to the institution identification information of the electronic money organization, and a rate storage unit based on the received institution identification information. A rate reading unit that reads the conversion rate from the point, a point calculation unit that calculates conversion point information to be converted based on the read conversion rate and the money type information received from the electronic money institution server, and the accumulated point information And an execution unit for performing a subtraction process on the calculated conversion point information.

  In the point conversion system according to the present invention, the point card number of the customer's point card issued by the point organization can be adopted as the first customer identification information. In this case, the automatic transaction apparatus further includes a card reading unit that reads the point card number from the point card, and the first customer identification information is input by the card reading unit.

  Moreover, the credit card number of the customer's credit card issued by the point organization can also be adopted as the first customer identification information. In this case, the automatic transaction apparatus further includes a card reading unit that reads the credit card number from the credit card, and the first customer identification information is input by the card reading unit.

  Furthermore, the account number memorize | stored in the customer's cash card issued by the point organization can also be employ | adopted as 1st customer identification information. In this case, the automatic transaction apparatus further includes a card reading unit that reads the account number from the cash card, and the first customer identification information is input by the card reading unit.

  In the point conversion system according to the present invention, a host computer of an electronic money organization can be adopted as the electronic money organization server.

  A point institution host computer may be employed as the point institution server.

  According to the point conversion system of the present invention, using the existing automatic transaction apparatus of an electronic money institution, the points of the point institution are converted into electronic money of the electronic money institution on the screen display according to each point institution. Since it can be converted and stored in the customer's electronic money card, the development cost for the automatic transaction apparatus is suppressed, and the serviceability is improved. In addition, customers can apply for point conversion at locations and times where automatic transaction devices can be used, and points can be converted into electronic money for use immediately after application, which makes it cumbersome for point conversion. And the time required for the point conversion process is shortened.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a system configuration diagram of the point conversion system according to the first embodiment of the present invention.
As shown in FIG. 2, the point conversion system 10 according to the present invention includes an automatic transaction apparatus 11 installed in a store of an electronic money organization “A” that issues electronic money, and a center of the electronic money organization “A”. A host computer 13 and an electronic money institution server 14 which are arranged in the automatic transaction apparatus 11 via a dedicated line 12 as a communication line, and a plurality of which make a business alliance with the electronic money institution and implement a point service A plurality of point institution servers 16 that can be communicated with the electronic money institution server 14 via the Internet 15, a customer terminal 18 that can communicate with the point institution server 16 through the Internet 17, and an electronic device. It comprises a customer IC card 19 having a money function. By using this point conversion system 10, points issued by the point organization can be converted into electronic money of the electronic money organization and stored in the customer's IC card 19.

  FIG. 1 is a block diagram illustrating a partial configuration of the point conversion system according to the first embodiment of the present invention.

  In this embodiment, the case where the electronic money institution “A” is a credit card company and the point institution “B” is a financial institution as an example has a function as a cash card of the financial institution “B”. The point conversion system 10 including the IC card 19 as an integrated credit card issued by the credit card company “A” will be described.

In this embodiment, the customer terminal 18 is a customer personal computer, and includes a terminal display unit 47, a terminal input unit 48, a terminal communication unit 49, and a terminal control unit 50 for controlling these units.
As the customer terminal 18, for example, a customer's mobile phone that can communicate with the point institution server 16-B, a mobile terminal device, a personal digital assistant (PDA), or the like can be adopted.

  The terminal display unit 47 includes, for example, a display having a web browser function, and displays an input screen for allowing the customer to input various data and a selection screen for allowing the customer to select.

  The terminal input unit 48 includes, for example, a keyboard, and has a function of acquiring input data and selection data by allowing a customer to input the data. Via this terminal input unit 48, the customer can input conversion request data indicating a conversion request from points of the point institution to electronic money of the electronic money institution.

  The terminal communication unit 49 transmits / receives data to / from the point engine server 16 via the Internet 17.

  The terminal control unit 50 has a function of controlling the above-described units 47 to 49.

  As described above, the point institution server 16-B is arranged in the financial institution “B” as the point institution and has institution identification information “B”. As shown in FIG. Point information storage unit 52, point processing unit 53, point search determination unit 54, point search reading unit 55, rate storage unit 56, electronic money calculation unit 57, server screen storage unit 58, server screen editing unit 59, point server generation unit 60 and a point server control unit 61 for controlling these units.

  The point server communication unit 51 has a function as a point server transmission unit and a point server reception unit, transmits and receives data to and from the customer terminal 18 via the Internet 17, and electronic money via the Internet 15. Data is transmitted to and received from the engine server 14. The data received by the point server communication unit 51 is stored in a temporary storage unit (not shown).

  The point information storage unit 52 has a function of storing an account number as customer identification information in the point service implemented in the point institution “B”, accumulated point information indicating the accumulated number of points of the customer, and the like.

FIG. 3 is an explanatory diagram showing the configuration of the point information storage unit.
As shown in FIG. 3, the point information storage unit 52 is provided with accumulated point information items 62 corresponding to the account number and account password in the customer's account for each customer. Each accumulated point information item 62 stores accumulated point information indicating the number of accumulated points in the account.

  For example, in the point information storage unit 52 shown in FIG. 3, for the account with the account number “1111111”, the account PIN is “1234”, and the accumulated account point information stored corresponding to these is “ 18000 ".

  The point processing unit 53 has a function of performing arithmetic processing such as addition and subtraction on the accumulated point information stored in the accumulated point information item 62 of the point information storage unit 52. For example, when a predetermined transaction process is executed for a customer account, points are given to the account. Therefore, the point processing unit 53 determines the number of points given to the accumulated point information. Addition processing is performed. In addition, when points are used for exchanging with each benefit in the point service performed by the point institution “B”, for example, for converting points to electronic money, the point processing unit 53 determines the accumulated account point information. Subtract the number of used points.

  As the search determination unit, the point search determination unit 54 searches the account PIN stored in the point information storage unit 52 based on the account number received from the customer terminal 18 by the point server communication unit 51, and the customer terminal 18 has an authentication function for determining whether or not it matches the terminal input number received from 18.

  The point search reading unit 55 searches the point information storage unit 52 based on the account number received from the customer terminal 18 by the point server communication unit 51 as a search reading unit, and stores the accumulated point information correspondingly. Is read out.

  The rate storage unit 56 is a storage unit that stores information about each electronic money institution, and stores a point conversion rate as a conversion rate when converting points of the point institution “B” into electronic money of each electronic money institution. ing.

FIG. 4 is an explanatory diagram showing the configuration of the rate storage unit.
In the rate storage unit 56, as shown in FIG. 4, the point conversion rate is stored corresponding to the institution identification information of each electronic money institution.

  The rate storage unit 56 stores permitted amount type information indicating the amount type of electronic money that can be converted into points, corresponding to the institution identification information of the electronic money organization.

  For example, in the rate storage unit 56 shown in FIG. 4, the point conversion rate corresponding to the engine identification information “A” is “2000 points → 1000 yen”, and the permitted amount type information is “2000,4000, 6,000,8000,10000 ". That is, the amount of electronic money that can be selected by the customer in the point conversion process to electronic money of the electronic money institution “A” is one of 2000 yen, 4000 yen, 6000 yen, 8000 yen, and 10,000 yen. Either.

  In the present embodiment, the conversion rate and permitted amount type information will be described as an example of data relating to each electronic money institution stored in the rate storage unit, but the present invention is not limited to this. For example, when the number of times that point conversion to electronic money by an electronic money organization can be performed is limited by the point organization, limit number information indicating the limit number is further stored in the rate storage unit. In this case, in the point information storage unit described above, the number of point conversions performed for each customer is stored, and a determination unit for determining whether the number of executions is within the limit number is further provided. As described above, the rate storage unit can store data on various restrictions imposed on the point conversion.

  The electronic money calculation unit 57 reads the point conversion rate and the permitted amount type information from the rate storage unit 56 based on the institution identification information received from the customer terminal 18 by the point server communication unit 51, and the amount of electronic money to be converted It has a function of calculating converted electronic money information as electronic money information.

  The server screen storage unit 58 stores various web screens displayed on the customer terminal 18.

  The server screen editing unit 59 has a function of reading a screen from the server screen storage unit 58 and appropriately editing the screen based on various data such as converted electronic money information calculated by the electronic money calculation unit 57.

  The point server generation unit 60 has a function of generating various signals to be transmitted to the electronic money institution server 14.

  The point server control unit 61 has a function of controlling the above-described units 51 to 60.

As shown in FIG. 1, the electronic money institution server 14 includes an electronic money server communication unit 30, a customer information storage unit 31, an electronic money processing unit 32, a search determination unit 33, a first search reading unit 34, and a point institution information storage. A unit 35, a second search / read unit 36, an electronic money server generation unit 37, and an electronic money server control unit 38 for controlling these units.
In this embodiment, the electronic money institution server 14 is arranged in a credit card company “A” as an electronic money institution, and has institution identification information “A” for identifying the institution.

  The electronic money server communication unit 30 has a function as an electronic money server transmission unit and an electronic money server reception unit, transmits and receives data to and from the automatic transaction apparatus 11 via the dedicated line 12, and Then, data is transmitted / received to / from each point institution server 16. The data received by the electronic money server communication unit 30 is stored in a temporary storage unit (not shown).

  The customer information storage unit 31 stores a credit card number, a personal identification number, and the like as customer identification information in the point service implemented in the electronic money organization “A”.

FIG. 5 is an explanatory diagram showing the configuration of the customer information storage unit.
As shown in FIG. 5, the customer information storage unit 31 stores a personal identification number as a credit card of the IC card 19 corresponding to the credit card number of the IC card 19 as a credit card for each customer. .

  The customer information storage unit 31 is provided with a plurality of institution identification information items 39 and customer identification information items 40 corresponding to the institution identification information items 39, respectively. These items include, as will be described later, point exchanges with points in point services implemented at each point organization that tie up business alliances with respect to the credit card number, and points from each point organization to the electronic In order to enable execution of point conversion to electronic money by a money institution, registration information registered in advance as a point exchange destination or a point conversion source is stored.

  The institution identification information item 39 stores institution identification information of a point institution registered as a point conversion source for the customer. In the corresponding customer identification information item 40, customer identification information as first customer identification information for identifying a customer in the point service of the point organization is stored. The customer identification information stored in the customer identification information item 40 is, for example, a point card number of a point card issued by the point institution or a credit card credit card number, and the point institution is a financial institution. The customer identification information is an account number in the customer's account.

  Further, the customer information storage unit 31 is provided with converted electronic money information items 41 corresponding to the institution identification information items 39 and the customer identification information items 40. In the converted electronic money information item 41, the electronic money converted in advance from the point institution point to the electronic money of the electronic money organization “A”, that is, of the converted electronic money, is stored in the IC card 19. Conversion electronic money information is stored as electronic money information indicating no balance amount.

  For example, in the customer information storage unit 31 shown in FIG. 5, the password corresponding to the credit card number “1111-1111-1111-1111” is “1111”. The institution identification information item 39-1 stores the institution identification information “B” corresponding to the point institution “B” registered as the point conversion source, and the corresponding customer identification information item 40-1 contains the institution identification information “B”. Stores customer account number “1111111” at the financial institution as customer identification information. Furthermore, “8000” is stored in the conversion electronic money information item 41-1 corresponding to these, and the electronic money institution “A” from the points issued to the customer account by the point institution “B”. It shows that the balance amount of the converted electronic money converted into the electronic money is 8000 yen.

In this embodiment, a credit card number is adopted as the second customer identification information, but the present invention is not limited to this, for example, a point card number of a point card issued by the institution, a customer number that can identify a customer, etc. Various customer identification information can be adopted.
Similarly, an account number is adopted as the first customer identification information. However, various points can be identified such as a point card number of a point card issued by the point organization and a credit card number of a credit card. The customer identification information can be adopted.

  The electronic money processing unit 32 has a function of performing arithmetic processing such as addition or subtraction on the converted electronic money information stored in the converted electronic money information item 41 of the customer information storage unit 31. For example, when the point conversion from the points of the point institution registered as the point conversion source to the electronic money of the electronic money institution “A” is executed, the electronic money processing unit 32 performs the conversion on the corresponding converted electronic money information. Addition processing is performed. Further, as will be described later, when the storage process of the converted electronic money converted into points to the customer's IC card 19 is executed, the electronic money processing unit 32 performs a subtraction process on the corresponding converted electronic money information.

  The search determination unit 33 searches the personal identification number stored in the customer information storage unit 31 based on the credit card number received from the automatic transaction apparatus 11 by the electronic money server communication unit 30 and receives it from the automatic transaction apparatus 11. It has an authentication function for determining whether or not it matches the device input number.

  The first search / reading unit 34 searches the customer information storage unit 31 based on the credit card number received from the automatic transaction apparatus 11 by the electronic money server communication unit 30, and stores the institution identification information or Read customer identification information, converted electronic money information, etc.

  The point institution information storage unit 35 is a storage unit for storing information about each point institution that has a business alliance with the electronic money institution “A”. Data such as various words displayed on the automatic transaction apparatus 11 is stored in each point institution. Stored in correspondence with the institution identification information of the point institution.

FIG. 6 is an explanatory diagram illustrating a configuration of the point institution information storage unit according to the first embodiment.
As shown in FIG. 6, the point institution information storage unit 35 is provided with guidance text information items 42 corresponding to the institution identification information for each point institution.

  The guidance message information item 42 stores guidance message information as point institution information displayed on the automatic transaction apparatus 11. In this embodiment, the guidance message information item 42 stores guidance message information such as “the chargeable amounts are 2000 yen, 4000 yen, 6000 yen, 8000 yen, and 10,000 yen ...”. It is also possible to store the guidance message information as a file and store the name of the file storing the guidance message information in the guidance message information item 42.

  In the present embodiment, guidance text information is described as an example of data stored in the point institution information storage unit, but the present invention is not limited to this. For example, when the number of times electronic money converted from points of the point agency can be stored in an IC card by using an automatic transaction apparatus is limited by the point agency, the limit number information is stored. In addition, when an expiration date is set for the converted electronic money, conversion date information indicating the converted date is stored. As described above, the point institution information storage unit can store data on various restrictions on the point service provided for each point institution.

  The second search reading unit 36 searches the customer information storage unit 31 based on the credit card number received from the automatic transaction apparatus 11 by the electronic money server communication unit 30 and reads each stored data correspondingly. It has a function.

  The electronic money server generation unit 37 has a function of generating various signals to be transmitted to the automatic transaction apparatus 11 and each point institution server 16.

  The electronic money server control unit 38 has a function of controlling the above-described units 30 to 37.

FIG. 7 is a schematic configuration diagram showing an example of an automatic transaction apparatus according to the present invention.
The automatic transaction apparatus 11 is installed in a store of an electronic money organization “A”, and includes an IC card reader / writer 21, a temporary storage unit 22, a display input unit 23, a device screen storage unit 24, a device screen editing unit 25, and a device calculation processing unit. 26, an apparatus generation unit 27, an apparatus communication unit 28, and an apparatus control unit 29 for controlling these units.

  The IC card reader / writer 21 has a card insertion slot (not shown) for inserting the IC card 19, and the customer IC card 19 inserted into the card insertion slot is used as customer identification information in the electronic money organization “A”. Updates the function as an IC card reading unit that reads various data such as credit card number, electronic money information, account number as customer identification information in financial institution “B”, and electronic money information stored in the IC card 19 And a function as an IC card writing unit for rewriting.

  The temporary storage unit 22 is a storage unit that temporarily stores data read by the IC card reader / writer 21, data acquired by a display input unit 23 described later, and the like.

  The display input unit 23 includes, for example, a touch panel, and functions as a display unit for displaying various screens such as a selection screen for causing a customer to select and an input screen for causing a customer to input, selection data, input data, and the like. And a function as an input unit that is input by a customer and acquired. The data acquired by the display input unit 23 is sent to the temporary storage unit 22. Via this display input unit 23, the customer can input storage request data indicating a request for storing the converted electronic money in the IC card 19.

  The device screen storage unit 24 stores various screens to be displayed on the display input unit 23 as a screen storage unit.

  The device screen editing unit 25 reads out a screen from the device screen storage unit 24 as a screen editing unit, and appropriately edits the screen based on various data received from the electronic money organization server 14 by the device communication unit 28 described later. It has a function.

  The device arithmetic processing unit 26 has a function of performing arithmetic processing such as addition or subtraction on the electronic money information read by the IC card reader / writer 21. Further, as will be described later, the device arithmetic processing unit 26 has a function of performing arithmetic processing based on the converted electronic money information.

  The device generation unit 27 has a function of generating various signals to be transmitted to the electronic money institution server 14.

  The device communication unit 28 functions as a device transmission unit and a device reception unit, and transmits and receives data to and from the host computer 13 and the electronic money institution server 14 via the dedicated line 12.

  The device control unit 29 has a function of controlling the above-described units 21 to 28.

  In this embodiment, the IC card 19 is an electronic money card issued to a customer by the electronic money organization “A”, has a credit card function and an electronic money function, and operates with the electronic money organization “A”. This is an integrated card having a cash card function in a financial institution “B” as a point institution that forms a partnership, and includes a credit card information storage unit 44, an account information storage unit 45, and an electronic money information storage unit 46.

  The credit card information storage unit 44 stores each credit card information including a credit card number as a credit card of the IC card 19. The credit card number stored in the credit card information storage unit 44 corresponds to customer identification information in the electronic money organization “A”.

  The account information storage unit 45 includes each information as the cash card of the IC card 19, that is, each account information including the institution identification information “B” of the financial institution and the account number of the customer account provided in the financial institution. Is stored. The account number stored in the account information storage unit 45 corresponds to the customer identification information in the point institution “A”.

The electronic money information storage unit 46 stores electronic money information indicating the balance of electronic money stored in the IC card 19. The electronic money information stored in the electronic money information storage unit 46 is data that can be rewritten according to the usage status. For example, the electronic money information can be rewritten by the IC card reader / writer 21 of the automatic transaction apparatus 11 by inputting the storage request data described above. It is done.
The electronic money information stored in the electronic money information storage unit can be used for payment of a settlement amount at a store where the electronic money card can be used.

  Using the configuration of the point conversion system 10 described above, the customer converts the points given by the point institution “B” into the electronic money of the electronic money institution “A” and stores it in the IC card 19 owned. be able to.

  Subsequently, from the points given by the point organization “B” to the account of the customer having the integrated IC card 19 having the credit card number “1111-1111-1111-1111” and the account number “1111111” The operation of the point conversion system 10 when performing conversion to electronic money in the electronic money organization “A” will be described with reference to the flowchart shown in FIG. 8 and the screen transition diagram shown in FIG.

  FIG. 8 is a flowchart showing the point conversion operation of the point conversion system according to the first embodiment of the present invention, and FIG. 9 is an explanatory diagram of a screen displayed on the terminal display unit of the customer terminal.

  When the customer operates the terminal input unit 48 of the customer terminal 18 and inputs the access request data for the point institution server 16-B, the terminal control unit 50 controls the terminal communication unit 49 to point the access request data to the point engine server 16-B. It is transmitted to the engine server 16-B (S301).

  In the point institution server 16-B, when the point server communication unit 51 receives the access request data from the customer terminal 18, the point server control unit 61 reads the service selection screen for the point service from the server screen storage unit 58, The point server communication unit 51 transmits the service selection screen to the customer terminal 18.

  In the customer terminal 18, when the terminal communication unit 49 receives the service selection screen, the terminal control unit 50 controls the terminal display unit 47 to display the service selection screen (FIG. 9A) (S302).

  As shown in FIG. 9A, the service selection screen includes a “point exchange” selection button for selecting a point exchange process from a point agency “B” point to another point agency point, A “point conversion” selection button for selecting point conversion processing from the point of the institution “B” to the electronic money of the electronic money institution and a “point inquiry” selection button for inquiring cumulative point information are provided. It has been.

  In the service selection screen (FIG. 9A), when the customer operates the terminal input unit 48 and presses the “point conversion” selection button, conversion request data indicating a point conversion request is input. It is transmitted to the point engine server 16-B (S303).

  In the point institution server 16 -B, when the point server communication unit 51 receives the point conversion selection data from the customer terminal 18, the point server control unit 61 transmits an account information input screen to the customer terminal 18 by the point server communication unit 51. .

  In the customer terminal 18, when the terminal communication unit 49 receives the account information input screen, the terminal control unit 50 controls the terminal display unit 47 to display the account information input screen (FIG. 9B) (S304). ).

  In the account information input screen, as shown in FIG. 9B, an account number input area for inputting an account number in the customer's account, and an account PIN number input for inputting the account PIN in the account. Each area is displayed.

  In the account information input screen (FIG. 9B), when the customer operates the terminal input unit 48 and inputs the account number “1111111” and the terminal input number “1234” as the account PIN, the terminal control unit 50 The input account number and terminal input number are transmitted to the point institution server 16-B by the terminal communication unit 49.

  In the point institution server 16 -B, when the point server communication unit 51 receives the account number and the terminal input number from the customer terminal 18, the point server control unit 61 controls the point search determination unit 54 to control the point information storage unit 52. To determine whether the received terminal input number matches the account code corresponding to the received account number (S305).

  When it is determined that they match (S305), the point server control unit 61 subsequently transmits an electronic money organization selection screen for selecting an electronic money organization as a point conversion destination to the customer terminal 18 by the point server communication unit 51. .

  In the customer terminal 18, when the terminal communication unit 49 receives the electronic money organization selection screen, the terminal control unit 50 controls the terminal display unit 47 to display the electronic money organization selection screen (FIG. 9C). (S306).

  On the electronic money organization selection screen, as shown in FIG. 9C, a selection button for selecting an electronic money organization that issues electronic money for point conversion is displayed.

  When the customer operates the terminal input unit 48 on the electronic money organization selection screen (FIG. 9C) and selects the selection button for selecting the electronic money organization “A”, the organization corresponding to the electronic money organization is displayed. The identification information “A” is input as the conversion destination engine identification information from the terminal input unit 48 and transmitted to the point engine server 16-B by the terminal communication unit 49 (S307).

  In the point institution server 16 -B, when the point server communication unit 51 receives the conversion destination institution identification information from the customer terminal 18, the point server control unit 61 sends the credit card number input screen to the customer terminal 18 through the point server communication unit 51. Send.

  In the customer terminal 18, when the terminal communication unit 49 receives the credit card number input screen, the terminal control unit 50 controls the terminal display unit 47 to display the credit card number input screen (FIG. 9 (d)). (S308).

  On the credit card number input screen, as shown in FIG. 9D, a credit card number input area for inputting a credit card number in the customer's credit card is displayed.

  When the customer operates the terminal input unit 48 to input the credit card number “1111-1111-1111-1111” on the credit card number input screen (FIG. 9D), the terminal control unit 50 is input. The credit card number is transmitted to the point institution server 16-B by the terminal communication unit 49 (S309).

  In the point institution server 16-B, when the point server communication unit 51 receives the credit card number from the customer terminal 18, the point server control unit 61 controls the electronic money calculation unit 57 and receives it from the rate storage unit 56. The point conversion rate and the permitted money type information corresponding to the conversion destination institution identification information are read, and converted electronic money information indicating the amount of electronic money that can be converted is calculated based on these data (S310). The electronic money calculation unit 57 converts the converted electronic money information “2000” based on the accumulated point information “18000”, the point conversion rate “2000 points → 1000 yen”, and the permitted amount type information “2000, 4000, 6000, 8000, 10000”. , 4000, 6000, 8000 ".

  Subsequently, under the control of the point server control unit 61, the server screen editing unit 59 displays a conversion point information selection screen for causing the customer to select conversion point information indicating the number of points to be converted into electronic money from the server screen storage unit 58. The conversion point information selection screen is edited based on the accumulated point information, the point conversion rate, and the converted electronic money information. Then, the point server communication unit 51 transmits the conversion point information selection screen to the customer terminal 18.

  In the customer terminal 18, when the terminal communication unit 49 receives the conversion point information selection screen, the terminal control unit 50 controls the terminal display unit 47 to display the received conversion point information selection screen (FIG. 9 (e)). (S311).

  On the conversion point information selection screen, as shown in FIG. 9E, accumulated point information indicating the number of accumulated points in the customer's account and a point conversion rate are displayed. The conversion point information selection screen displays a conversion point information selection button on which conversion point information and corresponding conversion electronic money information are displayed.

In the conversion point information selection screen (FIG. 9 (e)), the customer operates the terminal input unit 48,
When the conversion point information selection button corresponding to “16000 points → 8000 yen” is selected, the terminal input unit 48 inputs the conversion point information “16000” and the converted electronic money information “8000” (S312). In response to the input, the terminal control unit 50 transmits the input conversion point information and conversion electronic money information to the point institution server 16-B by the terminal communication unit 49 (S312).

  In the point institution server 16-B, when the point server communication unit 51 receives the converted point information and the converted electronic money information from the customer terminal 18, the point server control unit 61 controls the point search / read unit 55 to obtain the account number. Based on this, the point information storage unit 52 is searched and the corresponding credit card number is read out. And the point server production | generation part 60 produces | generates the conversion request signal which shows a point conversion request | requirement, the point server communication part 51 received the credit card number received with the conversion electronic money information received from the customer terminal 18, and the produced | generated conversion The request signal, the institution identification information “B” of the point institution server 16-B, and the customer account number are transmitted to the electronic money institution server 14 based on the received conversion institution identification information (S313).

  In the electronic money institution server 14, the electronic money server communication unit 30 sends a conversion request signal, conversion electronic money information “8000”, credit card number “1111-1111-1111-1111”, institution identification information “ Upon receiving “B” and the account number “1111111”, the electronic money server control unit 38 controls the first search / read unit 34 to search the customer information storage unit 31 based on the credit card number and the institution identification information. . Then, the electronic money processing unit 32 adds the received converted electronic money information to the converted electronic money information stored in the corresponding converted electronic money information item 41 and stores it (S314).

  Thereafter, the electronic money server control unit 38 causes the electronic money server generation unit 37 to generate a stored signal indicating that the storage of the converted electronic money information is completed, and the electronic money server communication unit 30 causes the stored signal and the account to be stored. The number “1111111” is transmitted to the point institution server 16-B (S315).

  In the point institution server 16-B, when the point server communication unit 51 receives the stored signal and the account number from the electronic money institution server 14, the point server control unit 61 controls the point processing unit 53, and the point information storage unit The conversion point information is subtracted from the accumulated point information stored in 52 (S316). The point processing unit 53 performs subtraction processing of the conversion point information “16000” on the accumulated point information “18000” stored in the accumulated point information item 62 corresponding to the account number “1111111”, and the accumulated point information To “2000”.

  Then, under the control of the point server control unit 61, the server screen editing unit 59 reads a conversion result notification screen for notifying the customer of the point conversion result from the server screen storage unit 58, and converts the conversion point information and the converted electronic money information. Editing is performed based on the rewritten cumulative point information. The edited conversion result notification screen is transmitted to the customer terminal 18 by the point server communication unit 51.

  In the customer terminal 18, when the terminal communication unit 49 receives the conversion result notification screen, the terminal control unit 50 controls the terminal display unit 47 to display the conversion result notification screen (FIG. 9 (f)) (S317). ).

  On the conversion result notification screen, as shown in FIG. 9F, conversion point information, converted electronic money information, and accumulated point information after the point conversion process are displayed.

  As described above, after the points of the point institution “B” are converted into the electronic money of the electronic money institution “A”, the customer's credit card number and institution identification information in the customer information storage unit 31 of the electronic money institution server 14 The converted electronic money information item 41 corresponding to “B” is stored as converted electronic money information.

Next, a customer who has an integrated IC card 19 having a credit card number “1111-1111-1111-1111” and an account number “1111111” receives electronic money converted from points of a point institution “B”. The procedure of processing when storing in the IC card 19 using the automatic transaction apparatus 11 will be described with reference to the flowchart shown in FIG. 10 and the screen transition diagram shown in FIG.
It is assumed that the electronic money information storage unit 46 of the customer's IC card 19 has already stored “999999”, that is, 999999 yen of electronic money as electronic money information.

  FIG. 10 is a flowchart showing the electronic money storing operation of the point conversion system according to the first embodiment of the present invention, and FIG. 11 is an explanatory diagram of a screen displayed on the display input unit of the automatic transaction apparatus according to the first embodiment. is there.

  When the customer stands in front of the automatic transaction apparatus 11, it is detected by a detection sensor (not shown), and a detection signal is sent to the apparatus control unit 29. Upon receiving this detection signal, the device control unit 29 controls each unit.

  First, the apparatus control unit 29 reads a transaction process selection screen (FIG. 11A) for allowing a customer to select a transaction process from the apparatus screen storage unit 24 and displays it on the display input unit 23 (S101).

  In the transaction processing selection screen, as shown in FIG. 11A, a bank operation selection button for selecting transaction processing for an account in a financial institution, a credit operation selection button for selecting a credit card operation, and an IC card An IC card business selection button for selecting a business is provided.

  When the customer presses the IC card business selection button on the transaction processing selection screen, a selection signal indicating that the IC card business has been selected is sent from the display input unit 23 to the device control unit 29. In response to the selection signal, the device control unit 29 reads out the menu selection screen (FIG. 11B) for displaying each menu in the IC card business and allowing the customer to select it from the device screen storage unit 24, and displays it. It is displayed on the input unit 23 (S102).

  In the menu selection screen, as shown in FIG. 11B, the “charge” selection button for selecting storage of electronic money in the IC card 19 and the point service of the electronic money organization “A” are stored. "Point charge" selection button for selecting that the converted points are converted into electronic money and stored in the IC card 19, the IC card 19 of electronic money converted from the points issued by the point agency that ties up the business alliance Each menu selection button, such as an “affiliation point charge” selection button for selecting storage in the database, and a “cancel” button for canceling the process are provided.

  When the customer presses the “partner point charge” selection button on the menu selection screen, storage request data indicating a request for storing the converted electronic money into the IC card 19 of the customer is input from the display input unit 23 ( S103). The input storage request data is stored in the temporary storage unit 22.

  In response to the input of the storage request data, the device control unit 29 reads out a card insertion screen (FIG. 11C) for prompting the customer to insert the IC card 19 from the device screen storage unit 24, and the display input unit 23 (S104).

  When the customer inserts the customer's IC card 19 into the card insertion slot of the IC card reader / writer 21 on the card insertion screen, the IC card reader / writer 21 reads the credit card information from the credit card information storage unit 44 of the inserted IC card 19. The number “111111111111111111”, the institution identification information “B” of the financial institution from the account information storage unit 45, and the electronic money information “999999” from the electronic money information storage unit 46 are read. Each read data is stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 determines whether or not the IC card 19 is a card that can store the converted electronic money based on each data read from the IC card 19 by the IC card reader / writer 21. (S105). When it is determined that the determination is impossible, the display input unit 23 displays a screen (not shown) for notifying the customer of the determination result, and the IC card reader / writer 21 discharges the inserted IC card 19 (S106). ).

  When it is determined that the password can be stored (S105), the device control unit 29 displays a password number input screen (FIG. 11 (d)) for inputting the password as the credit card of the IC card 19 as the device screen storage unit. 24 is read out and displayed on the display input unit 23 (S107).

  As shown in FIG. 11D, the password input screen is provided with an input area for allowing the customer to input the password. When the customer inputs the device input number “1111” as the password on the password input screen, the device input number is stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 reads out the storage request data, the credit card number, the institution identification information of the point institution and the device input number from the temporary storage unit 22 and transmits them to the electronic money institution server 14 to the device communication unit 28. In addition, the in-communication screen read from the device screen storage unit 24 (FIG. 11E) is displayed on the display input unit 23 (S108).

  In the electronic money institution server 14, when the electronic money server communication unit 30 receives the storage request data, the credit card number, the institution identification information of the point institution and the device input number from the automatic transaction apparatus 11, the electronic money server control unit 38 The determination unit 33 is controlled to execute an authentication process. The search determining unit 33 searches the customer information storage unit 31 based on the received credit card number, and whether or not the password stored in correspondence with the credit card number matches the received device input number. Is determined (S109). In the customer information storage unit 31 (FIG. 4), the password stored in correspondence with the credit card number “1111-1111-1111-1111” is “1111”. It is determined that it matches the input number “1111”.

  When it is determined that they match (S109), the electronic money server control unit 38 causes the first search / read unit 34 to search the customer information storage unit 31, and converts the converted electronic money corresponding to the received credit card number and institution identification information. The stored conversion electronic money information is read from the information item 41. In the customer information storage unit 31 (FIG. 4), the first search reading unit 34 starts from the converted electronic money information item 41-1 corresponding to the credit card number “1111-1111-1111-1111” and the institution identification information “B”. The converted electronic money information “8000” is read out.

  Further, the electronic money server control unit 38 causes the second search / read unit 36 to search the point institution information storage unit 35 and stores the guidance wording information stored from the guidance wording information item 42 corresponding to the received institution identification information. Is read out. In the point institution information storage unit 35 (FIG. 6), the second search reading unit 36 obtains the guidance message information “chargeable amount is 2000 yen, 4000 from the guidance word information item 42 corresponding to the institution identification information“ B ”. Yen, 6000 yen, 8000 yen, 10,000 yen ... "is read.

  Then, under the control of the electronic money server control unit 38, the electronic money server communication unit 30 transmits the read converted electronic money information and guidance message information to the automatic transaction apparatus 11 (S110).

  In the automatic transaction apparatus 11, when the apparatus communication unit 28 receives the converted electronic money information and the guidance message information from the electronic money institution server 14, the apparatus control unit 29 controls the apparatus screen editing unit 25 to change the received information to each information. The screen editing process is performed (S111). The device screen editing unit 25 reads the guidance message display screen and the money amount confirmation screen from the device screen storage unit 24, and performs editing processing on these screens.

  As shown in FIG. 11 (f), the guidance message display screen is configured to include guidance message information received from the electronic money institution server 14. The guidance message display screen includes a “cancel” button and a “confirmation” button for confirming the displayed guidance message and selecting to proceed to the next step.

  In the amount confirmation screen, as shown in FIG. 11G, the electronic money information stored in the temporary storage unit 22 is the charged amount, and the converted electronic money information received from the electronic money institution server 14 is displayed. It is displayed as the charge amount.

  Each screen subjected to the editing process by the device screen editing unit 25 is stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 reads the guidance message display screen (FIG. 11 (f)) from the temporary storage unit 22 and displays it on the display input unit 23 (S112).

  When the customer presses the “confirm” button on the guidance message display screen, the apparatus control unit 29 reads the amount confirmation screen (FIG. 11G) from the temporary storage unit 22 and displays it on the display input unit 23 (S113). ).

  When the customer presses the confirmation button after confirming the display on the amount confirmation screen, the display input unit 23 inputs the amount type information corresponding to the converted electronic money information displayed on the IC card 19 (S114).

Subsequently, the device control unit 29 reads out a processing screen (FIG. 11 (h)) indicating that processing is in progress from the device screen storage unit 24, and causes the display input unit 23 to display the screen (S115).
In addition, the device control unit 29 controls the device arithmetic processing unit 26 to calculate updated electronic money information obtained by adding the money amount type information input to the electronic money information stored in the temporary storage unit 22. Then, the device control unit 29 controls the IC card reader / writer 21 to store the updated electronic money information as electronic money information in the electronic money information storage unit 46 of the IC card 19 (S115). That is, the updated electronic money information “1007999” obtained by adding the money type information “8000” to the electronic money information “999999” is stored in the electronic money information storage unit 46 of the IC card 19.

  Furthermore, the device control unit 29 controls the device generation unit 27 to generate a stored signal indicating that the converted electronic money has been stored, and the credit card stored in the temporary storage unit 22 together with the stored signal. The number “1111-1111-1111-1111”, the institution identification information “B”, and the money amount type information “8000” are transmitted to the electronic money institution server 14 by the device communication unit 28 (S116).

  In the electronic money institution server 14, when the electronic money server communication unit 30 receives the stored signal, credit card number, institution identification information, and amount type information from the automatic transaction apparatus 11, the electronic money server control unit 38 32 is controlled to execute a subtraction process on the converted electronic money information stored in the customer information storage unit 31 (S117). The electronic money processing unit 32 responds to the received credit card number and the institution identification information with respect to the converted electronic money information “8000” stored in the customer information storage unit 31 and receives the received money type information “8000”. The converted electronic money information is rewritten to “0”.

  Thereafter, the electronic money server control unit 38 causes the electronic money server generation unit 37 to generate a completion signal indicating that the processing has been completed, and the electronic money server communication unit 30 transmits the completion signal to the automatic transaction apparatus 11 ( S118).

  In the automatic transaction apparatus 11, when the apparatus communication unit 28 receives a completion signal from the electronic money institution server 14, the apparatus control unit 29 stores a card discharge screen (FIG. 11 (i)) indicating the discharge of the IC card 19 in the apparatus screen. The data is read from the unit 24 and displayed on the display input unit 23 (S119). In addition, the apparatus control unit 29 causes the receipt printing unit (not shown) to print a receipt describing the details of transaction processing, and then controls the IC card reader / writer 21 to discharge the customer's IC card 19 and the printed receipt. (S119).

  As described above, according to the point conversion system of the present embodiment, conversion from a point institution point to electronic money institution electronic money can be performed via the Internet, and an automatic installed in a store of the electronic money institution. Since the converted electronic money can be stored in the customer's IC card using a transaction device, the troublesome work is omitted, the serviceability is improved, and the customer's point usage rate is improved and sales are promoted. Such effects are expected. In addition, since existing automatic transaction devices with electronic money functions can be used, development work on each automatic transaction device is not necessary, and flexible support for the addition of new point institutions for business alliances As a result, the electronic money organization can further improve the service at low cost.

  In the present embodiment, as the IC card of the customer, the institutional identification information and customer identification information of the electronic money organization “A” and the point organization “B” are stored, and an integrated card having an electronic money function is adopted. It is also possible to employ an electronic money card having only an electronic money function in the electronic money organization “A”. In this case, the point conversion from the point of the point institution registered in advance as the point conversion source in the electronic money institution by inputting the institution identification information of the point institution or the customer identification information in the electronic money institution through the automatic transaction apparatus. The stored electronic money can be stored in the IC card. Moreover, even if there is no registration of the point conversion source, the point conversion processing can be performed by inputting customer identification information in the point institution through the automatic transaction apparatus.

  In the point conversion system of this embodiment, the electronic money institution server is connected to the host computer. However, the host computer can also have a function as an electronic money institution server. Similarly, a point institution host computer may be employed as the point institution server.

FIG. 12 is a system configuration diagram of the point conversion system according to the second embodiment of the present invention.
In the present embodiment, the same configurations and operations as those in the first embodiment are denoted by the same reference numerals, and description thereof will be omitted.

  As shown in FIG. 12, the point conversion system 70 according to the present embodiment is arranged in an automatic transaction apparatus 11 installed in a store of an electronic money institution “A” and a center of the electronic money institution “A”. The host computer 13 and the electronic money institution server 71 connected to the automatic transaction apparatus 11 via a dedicated line 12 as a communication line, and a plurality of point institutions that have a business alliance with the electronic money institution “A”, A plurality of point institution servers 72 that can communicate with the electronic money institution server 71 via the Internet 15 and a customer IC card 19 are configured.

FIG. 13 is a block diagram illustrating a partial configuration of the point conversion system according to the second embodiment of the present invention.
In this embodiment, the case where the point institution “B” is a financial institution is taken as an example, and it has a function as a cash card of the financial institution “B” and is an integrated type issued by the electronic money institution “A”. A point conversion system 70 including an IC card 19 as a credit card will be described.

  The automatic transaction apparatus 71 is installed in the store of the electronic money organization “A”, and as shown in FIG. 13, the IC card reader / writer 21, the temporary storage unit 22, the display input unit 23, the device screen storage unit 24, the device screen. An editing unit 25, a device arithmetic processing unit 26, a device generation unit 27, a device communication unit 28, and a device control unit 29 for controlling these units are provided.

  In this embodiment, the electronic money institution server 71 is arranged in the electronic money institution “A”, has institution identification information “A” for identifying the electronic money institution, and as shown in FIG. Server communication unit 30, customer information storage unit 31, search determination unit 33, first search reading unit 34, point institution information storage unit 73, second search reading unit 36, point calculation unit 74, electronic money server generation unit 37, and these An electronic money server control unit 75 for controlling each unit is provided.

  The point institution information storage unit 73 has a function as a rate storage unit that stores the conversion rate, and also has a function of storing data such as various words displayed on the automatic transaction apparatus 11.

FIG. 14 is an explanatory diagram illustrating a configuration of a point engine information storage unit according to the second embodiment.
As shown in FIG. 14, the point institution information storage unit 73 includes a point conversion rate item 76, a guidance text information item 42, and a permitted amount type information item 43 corresponding to the institution identification information for each point institution. , Each provided.

  In the point conversion rate item 76, each conversion rate at the time of converting the points issued by each point organization that has a business alliance with the electronic money organization “A” into the electronic money of the electronic money organization “A” is the point Stored as conversion rate. In this embodiment, the point conversion rate item 76 stores the number of points necessary for conversion into 1000 yen worth of electronic money as a point conversion rate.

  For example, in the point institution information storage unit 73 shown in FIG. 14, “2000” is stored as the point conversion rate in the point conversion rate item 76 corresponding to the institution identification information “B”. That is, the point conversion process from the points of the point organization “B” to the electronic money of the electronic money organization “A” is executed at a point conversion rate of 1000 yen per 2000 points.

  The point calculation unit 74 reads the accumulated point information indicating the accumulated point number of the customer at the point institution received from the point institution server 72 by the electronic money server communication unit 30, and reads from the point institution information storage unit 73 by the second search reading unit 36. Based on the issued point conversion rate and permitted amount type information, the following calculation processing is performed. That is, the point calculation unit 74 calculates, as the storable amount type information, the amount type of converted electronic money that can be stored in the IC card 19 in one point conversion process within the accumulated number of points of the customer. Further, the point calculation unit 74 calculates the number of points corresponding to each calculated storable amount type information as conversion point information.

  The electronic money server control unit 75 has a function of controlling each unit described above.

  As described above, the point institution server 72-B is disposed in the financial institution “B” as the point institution and has institution identification information “B”. As illustrated in FIG. A point information storage unit 52, a point processing unit 53, a point search reading unit 55, a point server generation unit 60, and a point server control unit 78 for controlling these units are provided.

  The point server communication unit 77 transmits / receives data to / from the electronic money institution server 14 via the Internet 15. The data received by the point server communication unit 77 is stored in a temporary storage unit (not shown).

Using the configuration of the point conversion system 70 described above, the customer converts the points given by the point institution “B” into the electronic money of the electronic money institution “A” and stores it in the IC card 19 owned. be able to.
In the present embodiment, the account in the financial institution “B” as the point institution of the customer having the integrated IC card 19 having the credit card number “1111-1111-1111-1111” and the account number “1111111” It is assumed that the conversion source is registered in advance in the electronic money institution server 71 of the electronic money institution “A”.

Subsequently, the points given by the customer at the point institution “B” are converted into electronic money of the electronic money institution “A” using the automatic transaction apparatus 11 and stored in the IC card 19 of the customer. The processing procedure in this case will be described with reference to the flowchart shown in FIG. 15 and the screen transition diagram shown in FIG.
It is assumed that the electronic money information storage unit 46 of the customer's IC card 19 has already stored “999999”, that is, 999999 yen of electronic money as electronic money information.

  FIG. 15 is a flowchart showing the operation of the point conversion system according to the second embodiment of the present invention. FIG. 16 is an explanatory diagram of a screen displayed on the display input unit of the automatic transaction apparatus according to the second embodiment.

  When a customer standing in front of the automatic transaction apparatus 11 is detected by a detection sensor (not shown) and a detection signal is sent to the apparatus control section 29, the apparatus control section 29 first displays a transaction process selection screen (FIG. 16 (a)). ) Is read from the apparatus screen storage unit 24 and displayed on the display input unit 23 (S101).

  When the customer presses the IC card business selection button on the transaction processing selection screen, the device control unit 29 reads the menu selection screen (FIG. 16B) from the device screen storage unit 24 and causes the display input unit 23 to display it. (S102).

  When the “Alliance Point Charge” selection button is pressed on the menu selection screen, the points issued by the point institution that forms the business alliance are converted to electronic money of the electronic money institution “A” and sent to the customer's IC card 19. In order to store the data, conversion request data indicating a point conversion request is input from the display input unit 23 (S201). The input conversion request data is stored in the temporary storage unit 22.

  In response to the input of the conversion request data, the device control unit 29 reads a card insertion screen (FIG. 16C) for prompting the customer to insert the IC card 19 from the device screen storage unit 24, and displays the display input unit 23. (S104).

  When the customer inserts the customer's IC card 19 into the card insertion slot of the IC card reader / writer 21 on the card insertion screen, the credit card number “1111-1111-1111-1111” and the institution identification information “ B ”, account number“ 1111111 ”, and electronic money information“ 999999 ”are read and stored in temporary storage unit 22.

  Subsequently, the device control unit 29 determines whether or not the IC card 19 is a card that can store converted electronic money (S105). If it is determined that the determination is impossible, the display input unit 23 displays a screen (not shown) for notifying the customer of the determination result, and the IC card reader / writer 21 ejects the IC card 19 (S106).

  When it is determined that the password can be stored (S105), the device control unit 29 reads out the password number input screen (FIG. 16D) for inputting the password of the IC card 19 from the device screen storage unit 24. Is displayed on the display input unit 23 (S107). When the customer inputs the input number “1111” as the password on the password input screen, the input number is stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 reads the conversion request data, the credit card number, the institution identification information of the point institution, the account number, and the input number from the temporary storage unit 22, and sends them to the device communication unit 28 as an electronic money institution server 71. And a communication screen (FIG. 16 (e)) read from the device screen storage unit 24 is displayed on the display input unit 23 (S202).

  In the electronic money institution server 71, when the electronic money server communication unit 30 receives the conversion request data, the credit card number, the institution identification information of the point institution, the account number, and the input number from the automatic transaction apparatus 11, the electronic money server control unit 75 The search determination unit 33 is controlled to execute the authentication process. The search determining unit 33 searches the customer information storage unit 31 based on the received credit card number, and whether or not the password stored in correspondence with the credit card number matches the received input number. Is determined (S109).

  When it is determined that they match (S109), the electronic money server control unit 75 causes the first search / read unit 34 to search the customer information storage unit 31, and the customer identification information corresponding to the received credit card number and institution identification information. The stored customer identification information is read from the item 40. In the customer information storage unit 31 (FIG. 4), the first search reading unit 34 reads from the customer identification information item 40-1 corresponding to the credit card number “1111-1111-1111-1111” and the organization identification information “B”. The account number “1111111” is read as customer identification information. At this time, the electronic money server control unit 75 determines whether or not the received account number matches the read account number. If they do not match, the processing is interrupted.

  Further, the electronic money server control unit 75 controls the electronic money server generation unit 37 to generate a transmission request signal for requesting transmission of accumulated point information.

  The electronic money server control unit 75 then generates the generated transmission request signal and the read account number based on the institution identification information “B” received from the automatic transaction apparatus 11 by the electronic money server communication unit 30. Is transmitted to the point institution server 72-B (S203).

  In the point institution server 72 -B, when the point server communication unit 77 receives the transmission request signal and the account number from the electronic money institution server 71, the point server control unit 78 searches the point search reading unit 55 for the point information storage unit 52. Then, the accumulated point information corresponding to the received account number is read (S204). The point search reading unit 55 reads the accumulated point information “18000” from the accumulated point information item 62 corresponding to the account number “1111111”.

  Then, the point server control unit 78 controls the point server generation unit 60 to generate a conversion request signal indicating a point conversion request to the electronic money, and together with the conversion request signal, the read accumulated point information and engine The identification information “B” is transmitted to the electronic money organization server 71 by the point server communication unit 77 (S205).

  In the electronic money institution server 71, when the electronic money server communication unit 30 receives the conversion request signal, accumulated point information, and institution identification information from the point institution server 72-B, the electronic money server control unit 75 receives the received conversion request signal and Based on the organization identification information, the second search / read unit 36 is made to search the point organization information storage unit 73, and the point conversion rate is calculated from the corresponding point conversion rate item 76, guidance text information item 42 and permitted amount type information item 43. The guidance wording information and the permitted amount type information are read out. The second search reading unit 36 converts the conversion rate “2000”, the guidance text information “the point conversion rate is 1000 yen per 2000 points. The chargeable amount is 2000 yen ...” and the permitted amount type information “2000,4000, “6000, 8000, 10000” are read out.

  Subsequently, the electronic money server control unit 75 controls the point calculation unit 74, based on the accumulated point information received from the point institution server 72-B and the point conversion rate read by the second search reading unit 36. Thus, the storable amount type information and the corresponding conversion point information are calculated (S206). Based on the accumulated point information “18000”, the point conversion rate “2000”, and the permitted amount type information “2000,4000,6000,8000,10000”, the point calculation unit 74 stores the storable amount type information “2000,4000,6000”. , 8000 ". Furthermore, conversion point information “4000, 8000, 12000, 16000” corresponding to each is calculated based on the point conversion rate.

  Thereafter, the electronic money server control unit 75 sends the guidance message information, the storable amount type information, the conversion point information, and the accumulated point information received from the point institution server 72-B to the automatic transaction apparatus 11 by the electronic money server communication unit 30. Transmit (S207).

  In the automatic transaction apparatus 11, when the apparatus communication unit 28 receives the guidance message information, the storable amount type information, the conversion point information, and the accumulated point information from the electronic money institution server 71, the apparatus control unit 29 causes the apparatus screen editing unit 25 to Control is performed to perform screen editing processing based on the received information (S208). The device screen editing unit 25 reads the guidance message display screen and the money amount selection screen from the device screen storage unit 24, and performs an editing process on these screens.

  The guidance message display screen is configured to include guidance message information received from the electronic money institution server 71 as shown in FIG. The guidance message display screen is provided with a “cancel” button and a “confirm” button.

In the amount type selection screen, as shown in FIG. 16G, the electronic money information stored in the temporary storage unit 22 is the charged amount, and the accumulated point information received from the electronic money institution server 71 is the point. Each is displayed as a balance.
In addition, the money type selection screen is provided with a plurality of money type selection buttons for selecting the money money type stored in the IC card 19. Each amount type selection button displays the storable amount type information received from the electronic money institution server 71 and the corresponding conversion point information, and the customer can view the IC card by looking at the display of each amount type selection button. The amount of electronic money that can be stored in 19 and the corresponding number of points can be confirmed and selected.

  Each screen subjected to the editing process by the device screen editing unit 25 is stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 reads the guidance message display screen (FIG. 16F) from the temporary storage unit 22 and displays it on the display input unit 23 (S112).

  When the “confirm” button is pressed on the guidance message display screen, the device control unit 29 reads the money amount type selection screen (FIG. 16G) from the temporary storage unit 22 and displays it on the display input unit 23 ( S209).

  When any amount type selection button is selected on the amount type selection screen, the display input unit 23 indicates the amount type indicating the amount type to be stored in the IC card 19 based on the selection signal from the amount type selection button. Information and corresponding conversion point information are input (S210). The input money type information and conversion point information are stored in the temporary storage unit 22. For example, when an amount type selection button displayed as “16000 points → 8000 yen” is selected, amount type information “8000” and conversion point information “16000” are input and stored in the temporary storage unit 22.

  Subsequently, the device control unit 29 reads an amount type confirmation screen (FIG. 16 (h)) for allowing the customer to confirm the input amount type information from the device screen storage unit 24 and displays it on the display input unit 23. .

When the “confirm” button is pressed on the amount type confirmation screen, the device control unit 29 reads out the processing screen (FIG. 16 (i)) indicating that processing is in progress from the device screen storage unit 24 and displays it. It is displayed on the input unit 23 (S115).
In addition, the device control unit 29 controls the device calculation processing unit 26 to calculate the updated electronic money information by adding the stored money amount type information to the electronic money information stored in the temporary storage unit 22. Let Then, the device control unit 29 controls the IC card reader / writer 21 to store the updated electronic money information as electronic money information in the electronic money information storage unit 46 of the IC card 19 (S115). That is, the updated electronic money information “1007999” obtained by adding the money type information “8000” to the electronic money information “999999” is stored in the electronic money information storage unit 46 of the IC card 19.

  Furthermore, the device control unit 29 controls the device generation unit 27 to generate a stored signal indicating that the converted electronic money has been stored, and the credit card stored in the temporary storage unit 22 together with the stored signal. The number “1111-1111-1111-1111”, the organization identification information “B”, and the conversion point information “16000” are transmitted to the electronic money organization server 71 by the device communication unit 28 (S211).

  In the electronic money institution server 71, when the electronic money server communication unit 30 receives the stored signal, credit card number, institution identification information, and conversion point information from the automatic transaction apparatus 11, the electronic money server control unit 75 performs the first search read. The unit 34 is controlled to search the customer information storage unit 31 based on the received credit card number and institution identification information, and to read out the corresponding customer identification information. In addition, the electronic money server control unit 75 controls the electronic money server generation unit 37 to generate a converted signal indicating that the points issued by the point organization have been converted into electronic money, and together with the converted signal Based on the institution identification information “B” received by the electronic money server communication unit 30, the customer identification information read by the first search reading unit 34 and the conversion point information received from the automatic transaction apparatus 11 are The data is transmitted to the point engine server 72-B (S212).

  In the point institution server 72-B, when the point server communication unit 77 receives the converted signal, the account number as the customer identification information, and the conversion point information from the electronic money institution server 71, the point server control unit 78 To subtract the accumulated point information stored in the point information storage unit 52 (S213). The point processing unit 53 performs a subtraction process of the conversion point information “16000” on the accumulated point information “18000” stored in the point information storage unit 52 corresponding to the received account number, and the accumulated point information To “2000”.

  Thereafter, the point server control unit 78 causes the point server generation unit 60 to generate a subtracted signal indicating that the subtraction process has been completed, and transmits the subtracted signal to the electronic money institution server 71 to the point server communication unit 77. (S214).

  In the electronic money institution server 71, when the electronic money server communication unit 30 receives the subtracted signal from the point institution server 72-B, the electronic money server control unit 75 informs the electronic money server generation unit 37 that the processing has been completed. A completion signal is generated, and the electronic money server communication unit 30 transmits the completion signal to the automatic transaction apparatus 11 (S118).

  In the automatic transaction apparatus 11, when the apparatus communication unit 28 receives the completion signal from the electronic money institution server 71, the apparatus control unit 29 reads the card discharge screen (FIG. 16 (j)) from the apparatus screen storage unit 24 and displays it. While displaying on the input unit 23, the customer's IC card 19 and receipt are discharged from the IC card reader / writer 21 (S119).

  As described above, according to the point conversion system of the present embodiment, the points granted by the point institution are directly applied to the electronic money of the electronic money institution using the automatic transaction apparatus installed in the store of the electronic money institution. Since it can be converted and stored in the IC card of the customer, the time required for processing can be shortened. In addition, the customer does not need to apply for point conversion to the point institution server in advance, and the points are converted into electronic money immediately after the application and can be used, thereby further improving the serviceability.

  In this embodiment, as the IC card of the customer, the institution identification information of each of the electronic money organization “A” and the point organization “B” is stored, and the integrated card having the electronic money function is adopted. It is also possible to employ an electronic money card having only the electronic money function in “A”. In this case, by inputting the institution identification information and the customer identification information through the automatic transaction apparatus, the points of the point institution registered in advance as the point conversion source are converted into the electronic money of the electronic money institution, It can be stored in an electronic money card. Further, even if there is no registration of the point conversion source, the above processing can be executed by inputting customer identification information at the point institution through the automatic transaction apparatus. In that case, it is also possible to perform an authentication process using a personal identification number or the like for the customer identification information in the point organization.

  In the point conversion system of this embodiment, the electronic money institution server is connected to the host computer. However, the host computer can also have a function as an electronic money institution server. Similarly, a point institution host computer may be employed as the point institution server.

  Further, in this embodiment, a configuration is adopted in which the conversion rate with the points of each point institution is stored in the point institution information storage unit provided in the electronic money institution server, but the electronic money information for storing the conversion rate is used. It is also possible to adopt a configuration in which a storage unit is provided in each point engine server. In this case, the point institution server can perform the above point conversion processing by performing arithmetic processing such as storable amount type information and conversion point information based on the conversion rate.

It is a block diagram which shows the structure of a part of point conversion system which concerns on Example 1 of this invention. It is a system configuration figure of a point conversion system concerning Example 1 of the present invention. It is explanatory drawing which shows the structure of a point information storage part. It is explanatory drawing which shows the structure of a rate storage part. It is explanatory drawing which shows the structure of a customer information storage part. It is explanatory drawing which shows the structure of the point organization information storage part in Example 1. FIG. It is a schematic block diagram which shows an example of the automatic transaction apparatus which concerns on this invention. It is a flowchart which shows the point conversion operation | movement of Example 1 of the point conversion system based on this invention. It is explanatory drawing of the screen displayed on the terminal display part of a customer terminal. It is a flowchart which shows the electronic money storing operation | movement of Example 1 of the point conversion system based on this invention. It is explanatory drawing of the screen displayed on the display input part of the automatic transaction apparatus in Example 1. FIG. It is a system configuration | structure figure of the point conversion system which concerns on Example 2 of this invention. It is a block diagram which shows the structure of a part of point conversion system which concerns on Example 2 of this invention. It is explanatory drawing which shows the structure of the point organization information storage part in Example 2. FIG. It is a flowchart which shows operation | movement of Example 2 of the point conversion system which concerns on this invention. It is explanatory drawing of the screen displayed on the display input part of the automatic transaction apparatus in Example 2. FIG.

Explanation of symbols

10, 70 point conversion system 11 automatic transaction device 14, 71 electronic money institution server 16, 72 point institution server 19 IC card

Claims (26)

An electronic money institution server that issues electronic money, a point institution server that is communicable with the electronic money institution server and that performs point services, and a customer terminal that can communicate with the point institution server A point conversion system including:
The customer terminal is
Conversion destination institution identification information corresponding to the electronic money institution, conversion request data indicating a point conversion request to the electronic money of the electronic money institution, conversion point information to be converted, and customer identification information in the point institution as customer identification information A terminal input unit for inputting one customer identification information and second customer identification information as customer identification information in an electronic money organization;
A terminal transmitter for transmitting the input destination institution identification information, the conversion request data, the conversion point information, the first customer identification information, and the second customer identification information to the point institution server;
With
The point institution server is
A rate storage unit for storing the conversion rate between the points and the electronic money in correspondence with the institution identification information of the electronic money organization;
A point information storage unit for storing the accumulated point information of the customer in correspondence with the first customer identification information of the customer;
A point server receiving unit that receives the conversion destination organization identification information, the conversion request data, the conversion point information, the first customer identification information, and the second customer identification information from the customer terminal;
A point processing unit that performs a subtraction process on the accumulated point information stored in the point information storage unit based on the received conversion point information and the first customer identification information;
Electronic money information indicating the amount of electronic money to be converted based on the conversion rate and the received conversion point information by reading the conversion rate from the rate storage unit based on the received conversion destination organization identification information An electronic money calculation unit for calculating
A point server transmission unit that transmits the calculated electronic money information and the received second customer identification information to the electronic money institution server based on the received conversion destination institution identification information;
With
The electronic money institution server is
An electronic money server receiving unit that receives the electronic money information and the second customer identification information from the point agency server;
A customer information storage unit for storing the received electronic money information in association with the received second customer identification information;
A point conversion system comprising: The electronic money institution server is
An electronic device that adds the electronic money information received from the point organization server to the electronic money information stored in the customer information storage unit corresponding to the second customer identification information received from the point organization server The point conversion system according to claim 1, further comprising a money processing unit. The terminal input unit further causes the customer to input a terminal input number consisting of a plurality of symbols,
The terminal transmission unit further transmits the input terminal input number to the point institution server,
The point information storage unit further stores a first password as a preset password corresponding to the first customer identification information,
The point server receiving unit further receives the terminal input number from the customer terminal,
The point institution server is
Based on the first customer identification information received by the point server receiving unit, the first password stored in the point information storage unit is searched, and the received terminal input number is received in the first password. A search determination unit for determining whether or not they match,
The point conversion system according to claim 1, wherein the point processing unit performs the subtraction process when it is determined that they match. The point institution server is
A server screen storage unit that stores an amount type selection screen for allowing the customer to select the amount type of electronic money to be converted;
A server screen editing unit that reads out the money type selection screen from the server screen storage unit and performs an editing process on the money type selection screen based on the electronic money information calculated by the electronic money calculation unit;
Further comprising
The point server transmission unit further transmits the edited amount type selection screen to the customer terminal,
The customer terminal is
A terminal receiving unit that receives the money amount type selection screen from the point institution server;
A terminal display unit for displaying the received amount type selection screen;
Further comprising
When an amount type is selected on the displayed amount type selection screen, the terminal input unit further inputs the corresponding amount type information,
The terminal transmission unit further transmits the input money amount type information to the point institution server,
The point server receiving unit further receives the amount type information from the customer terminal,
The point conversion system according to claim 1, wherein the point server transmission unit transmits the received money amount type information to the electronic money institution server as electronic money information.   The amount type selection screen includes an amount type selection button for selecting an amount type, and the terminal input unit performs the input based on a selection signal from the amount type selection button. Item 4. The point conversion system according to Item 4. The electronic money institution automatic transaction apparatus connected to the electronic money institution server via a communication line further includes:
The automatic transaction apparatus is
Input unit for inputting conversion source institution identification information corresponding to the point institution, storage request data indicating a request to store electronic money converted to point in the customer's electronic money card, and second customer identification information of the customer When,
A device transmission unit that transmits the input source organization identification information, the storage request data, and the second customer identification information to the electronic money organization server;
With
The electronic money institution server is
A point institution information storage unit for storing the point institution information to be displayed on the automatic transaction apparatus in association with the institution identification information of the point institution;
A first search reading unit that searches the electronic money information storage unit based on the second customer identification information received from the automatic transaction apparatus and reads the corresponding electronic money information;
A second search reading unit that searches the point institution information storage unit based on the conversion source institution identification information received from the automatic transaction apparatus and reads out the corresponding point institution information;
An electronic money server transmission unit for transmitting the read electronic money information and the point institution information to the automatic transaction apparatus;
Further comprising
The automatic transaction apparatus is
A device receiving unit for receiving the electronic money information and the point institution information from the electronic money institution server;
A display unit for displaying the received electronic money information and the point institution information;
The point conversion system according to claim 1, further comprising: The input unit further causes the customer to input a device input number consisting of a plurality of symbols,
The device transmission unit further transmits the input device input number to the electronic money institution server,
The electronic money information storage unit further stores a second password as a preset password corresponding to the second customer identification information,
The electronic money server receiving unit further receives the device input number from the automatic transaction device,
The electronic money institution server is
Based on the second customer identification information received from the automatic transaction apparatus, the second password stored in the electronic money information storage unit is searched, and the received apparatus input number is stored in the second password. A search determination unit for determining whether or not they match,
The point conversion system according to claim 6, wherein when it is determined that the two match, the first search / read unit performs the search / read operation. Further comprising the customer's electronic money card issued by the electronic money institution;
The electronic money card is
An electronic money information storage unit for storing electronic money information;
The automatic transaction apparatus is
A card reading unit that reads the electronic money information from the electronic money information storage unit;
A device computing unit that computes updated electronic money information by adding the electronic money information received from the electronic money institution server to the read electronic money information;
A card writing unit that writes the calculated updated electronic money information into the electronic money information storage unit as electronic money information;
The point conversion system according to claim 6, further comprising:   The electronic money card includes an IC (Integrated Circuit) card, the electronic money information storage unit includes an IC chip included in the IC card, and the card reading unit executes a reading process on the IC chip. 9. The point conversion system according to claim 8, comprising an IC card reader, and wherein the card writing unit is formed of an IC card writer that executes a writing process on the IC chip.   The second customer identification information includes a point card number of the customer's point card issued by the electronic money organization, and the automatic transaction apparatus further includes a card reading unit that reads the point card number from the point card. The point conversion system according to claim 6, wherein the second customer identification information is input by the card reading unit.   The second customer identification information includes a credit card number of the customer's credit card issued by the electronic money institution, and the automatic transaction apparatus further includes a card reading unit that reads the credit card number from the credit card. The point conversion system according to claim 6, wherein the second customer identification information is input by the card reading unit.   The second customer identification information includes an electronic money card number of an electronic money card issued by the electronic money institution, and the automatic transaction apparatus further includes a card reading unit that reads the electronic money card number from the electronic money card. The point conversion system according to claim 6, wherein the second customer identification information is input by the card reading unit.   13. The point conversion system according to claim 12, wherein the electronic money card includes an IC card having an IC chip, and the card reading unit includes an IC card reader that executes a reading process on the IC chip. . An electronic money institution automatic transaction device that issues electronic money, an electronic money institution server connected to the automatic transaction device via a communication line, and the electronic money institution server can communicate with each other. A point conversion system including a point server of a point agency that performs point services,
The automatic transaction apparatus is
Conversion source institution identification information corresponding to the point institution, conversion request data indicating a point conversion request from the point institution point to electronic money, and first customer identification information as customer identification information in the point institution are input. An input section;
A device transmission unit that transmits the input conversion source institution identification information, the conversion request data, and the first customer identification information to the electronic money institution server;
With
The electronic money institution server is
An electronic money server receiving unit that receives the conversion source institution identification information, the conversion request data, and the first customer identification information from the automatic transaction apparatus;
An electronic money server generation unit that generates a conversion request signal indicating a point conversion request;
An electronic money server transmitting unit that transmits the generated conversion request signal and the received first customer identification information to a point institution server based on the received conversion source institution identification information;
With
The point institution server is
A point information storage unit for storing the accumulated point information of the customer in correspondence with the first customer identification information of the customer;
A point server receiving unit for receiving the conversion request signal and the first customer identification information from the electronic money institution server;
A point processing unit that performs point conversion processing on the accumulated point information stored in the point information storage unit, based on the received first customer identification information;
A point conversion system comprising: The input unit further causes the customer to input a device input number consisting of a plurality of symbols,
The device transmission unit further transmits the input device input number to the electronic money institution server,
The electronic money server receiving unit further receives the device input number from the automatic transaction device,
The electronic money server transmission unit further transmits the device input number to the point institution server,
The point information storage unit further stores a preset password corresponding to the first customer identification information,
The point server receiving unit further receives the device input number from the electronic money institution server,
The point institution server is
Based on the first customer identification information received by the point server receiving unit, the password stored in the point information storage unit is searched, and whether the received device input number matches the password A search determination unit for determining whether or not
The point conversion system according to claim 14, wherein the point processing unit performs the point processing when it is determined that they match. The automatic transaction apparatus is
A screen storage unit that stores an amount type selection screen for allowing the customer to select the amount type of electronic money to be converted;
A screen editing unit that reads the amount type selection screen from the screen storage unit and performs an editing process on the amount type selection screen;
A display unit for displaying the edited amount type selection screen;
Further comprising
When an amount type is selected on the displayed amount type selection screen, the input unit further inputs the corresponding amount type information,
The device transmission unit further transmits the input money amount type information to the electronic money institution server,
The electronic money server receiving unit further receives the money amount type information from the automatic transaction apparatus,
The electronic money server transmission unit further transmits the received money amount type information to the point institution server,
The point server receiving unit further receives the amount type information from the electronic money institution server,
The point conversion system according to claim 14, wherein the point processing unit performs the point conversion processing based on the received money amount type information.   The money amount type selection screen includes a money amount type selection button for selecting a money amount type, and the input unit performs the input based on a selection signal from the money amount type selection button. 16. The point conversion system according to 16. Further comprising the customer's electronic money card issued by the electronic money institution;
The electronic money card is
An electronic money information storage unit for storing electronic money information;
The automatic transaction apparatus is
A card reading unit that reads the electronic money information from the electronic money information storage unit;
A device computing unit that computes updated electronic money information by adding the amount type information input by the input unit to the read electronic money information;
A card writing unit that writes the calculated updated electronic money information into the electronic money information storage unit as electronic money information;
The point conversion system according to claim 16, further comprising:   The electronic money card includes an IC (Integrated Circuit) card, the electronic money information storage unit includes an IC chip included in the IC card, and the card reading unit executes a reading process on the IC chip. 19. The point conversion system according to claim 18, comprising an IC card reader, and wherein the card writing unit comprises an IC card writer that executes a writing process on the IC chip. The electronic money institution server is
A point institution information storage unit for storing a conversion rate between points and the electronic money in association with institution identification information of the point institution;
A second search reading unit that searches the point institution information storage unit based on the conversion source institution identification information received from the automatic transaction apparatus and reads out a corresponding conversion rate;
A point calculation unit for calculating conversion point information to be converted based on the amount classification information received from the automatic transaction apparatus and the conversion rate read by the second search reading unit;
Further comprising
The electronic money server transmission unit transmits the calculated conversion point information to the point institution server,
The point server receiving unit further receives the conversion point information from the electronic money institution server,
The point conversion system according to claim 16, wherein the point processing unit performs the point conversion processing based on the received conversion point information. The electronic money server transmission unit further transmits the organization identification information of the electronic money organization to the point organization server,
The point server receiving unit further receives the institution identification information from the electronic money institution server,
The point processing unit
A rate storage unit that stores the conversion rate between the points and electronic money in association with the institution identification information of the electronic money organization;
A rate reading unit that reads out the conversion rate from the rate storage unit based on the received engine identification information;
A point calculation unit for calculating conversion point information to be converted based on the read conversion rate and the money amount type information received from the electronic money institution server;
An execution unit that performs a subtraction process of the calculated conversion point information with respect to the accumulated point information;
The point conversion system according to claim 16, further comprising:   The first customer identification information includes a point card number of the customer's point card issued by the point agency, and the automatic transaction apparatus further includes a card reading unit that reads the point card number from the point card, 15. The point conversion system according to claim 14, wherein the input of the first customer identification information is performed by the card reading unit.   The first customer identification information includes a credit card number of the customer's credit card issued by the point agency, and the automatic transaction apparatus further includes a card reading unit that reads the credit card number from the credit card, 15. The point conversion system according to claim 14, wherein the input of the first customer identification information is performed by the card reading unit.   The first customer identification information includes an account number stored in the customer's cash card issued by the point organization, and the automatic transaction apparatus further includes a card reading unit that reads the account number from the cash card. The point conversion system according to claim 14, wherein the first customer identification information is input by the card reading unit.   15. The point conversion system according to claim 1, wherein the electronic money institution server comprises a host computer of the electronic money institution. 15. The point conversion system according to claim 1, wherein the point institution server comprises a host computer of the point institution.

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