JP2010186405A - Apparatus, program, method and system for transferring point - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily transfer points of electronic money of a mobile terminal without accessing a web site. <P>SOLUTION: Transfer setting information is stored in a first storage area 16a of a mobile terminal 11, and a point transfer rate is stored in a storage part 24 of a reader-writer 21. The reader-writer 21 is set to a first electronic money communication part 22a, the mobile terminal 11 is brought close to the reader-writer 21, the first storage area 16a is accessed and the transfer setting information is received. The points of first electronic money are subtracted, and the points of second electronic money equivalent to the points of the first electronic money to be transferred are calculated on the basis of the point transfer rate. A second electronic money communication part 22b is used to access a second storage area 16b, and the calculated points are added to the second points. Only by bringing the mobile terminal 11 close to the reader-writer 21, points can be transferred. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a point transfer device, a point transfer program, a point transfer method, and a point transfer system for transferring points provided corresponding to electronic money.

  In recent years, mobile terminals including IC chips having an electronic money function and mobile terminals such as PDAs (Personal Digital Assistants) have become widespread. Such a portable terminal is equipped with a non-contact IC chip, and an installed electronic money application is operated to communicate with a reader / writer, and in accordance with the balance of electronic money stored in the IC chip, Settlement can be made.

  In electronic money services, as shown in Patent Document 1, for example, point services are actively performed. In the point service, points are awarded according to the usage amount of electronic money used when purchasing a product and a predetermined point acquisition rate. For example, if you purchase a product of 1000 yen using electronic money and make a payment, 100 points will be awarded if you earn 10% of points, and the given points will be stored in the IC chip in the same way as electronic money. The The points acquired by the user and stored in the IC chip can be used, for example, as part of the usage amount when purchasing a product.

JP 2003-108900 A

  However, such electronic money and points stored in the mobile terminal can be accessed only from a dedicated application in order to maintain high security. Even when a single portable terminal is provided with a plurality of electronic money applications, each electronic money operates independently as an independent application, and a plurality of electronic money applications cannot be launched simultaneously. For this reason, it is not possible to transfer points across a plurality of electronic money in the mobile terminal.

  Therefore, when partnerships between companies are realized, points may be transferred across a plurality of electronic money. The user accesses a point transfer Web site operated by a company that can exchange points, and requests the point transfer. In this case, when the point transfer processing is completed between servers that manage different electronic money, the point transfer result is transmitted to the mobile terminal, and the point transfer is reflected on the mobile terminal. As described above, conventionally, when transferring electronic money points of a portable terminal having an electronic money function, it is necessary to access a Web site for performing point transfer. However, when accessing a website and transferring points, the user is forced to perform extra operations and lacks convenience. Here, it is desirable that the transfer of such points can be easily performed for the user without losing security by maintaining the independence of the electronic money stored in the portable terminal.

  In order to solve the above-described problems, the present invention provides a point transfer device, a point transfer program, a point transfer method, and an electronic money system that can easily perform point transfer without accessing a website for performing point transfer. The purpose is to provide.

In order to solve the above-described problem, the point transfer device according to the present invention stores a first point that is given according to the balance of the first electronic money or the usage amount of the first electronic money. A first electronic money control unit that reads and writes information stored in one storage area, and a second point that is given according to the balance of the second electronic money or the usage amount of the second electronic money. It communicates with a portable terminal provided with a second electronic money control unit that reads and writes information stored in the second storage area to be stored, and according to the settlement of the usage amount by the first electronic money and the usage amount A first point transfer device that grants a first point and receives a point transfer request from the first electronic money control unit when making a payment by communicating with the first electronic money control unit. E-money And the first electronic money communication unit communicate with the second electronic money control unit, a calculation unit that calculates the number of points of the second point corresponding to the first point, when the first electronic money communication unit receives the point transfer request And a second electronic money communication unit that stores the second point calculated by the calculation unit in the second storage area.
This makes it possible to perform point transfer next to the settlement process when performing settlement on the mobile terminal. Therefore, access to the Web site for point transfer is unnecessary, and no major system change is required, so that security is not lowered.

The present invention also provides a first point acquisition rate indicating the number of points of the first point according to the usage amount of the first electronic money, and the second point according to the usage amount of the second electronic money. A storage unit that stores a point transfer rate calculated based on the second point acquisition rate indicating the number of points, and the calculation unit includes the first point based on the point transfer rate stored in the storage unit; The number of points of the second point corresponding to is calculated.
Thereby, the point transfer terminal can convert points within the terminal.

  In the present invention, the first electronic money communication unit reads and calculates the first point stored in the first storage area in response to the point transfer request transmitted from the first electronic money control unit. The unit calculates the number of points of the second point corresponding to the first point read from the first storage area by the first electronic money communication unit.

  In addition, according to the present invention, the calculation unit corresponds to the first point corresponding to the amount of use of the settlement performed by the first electronic money in response to the point transfer request transmitted from the first electronic money control unit. The number of points of the second point to be calculated is calculated.

  In addition, according to the present invention, the calculation unit is provided with the first point according to the usage amount of the settlement performed by the first electronic money in response to the point transfer request transmitted from the first electronic money control unit. As a result, if it is determined that the number of points of the first point stored in the first storage area is equal to or greater than a certain value, the number of points of the second point corresponding to the first point is calculated. To do.

  Further, according to the present invention, the calculation unit compares the month and date when the point transfer request transmitted from the first electronic money control unit is received with a predetermined specific month and day, and receives the point transfer request. If it is determined that the date matches a predetermined specific date, the number of points of the second point corresponding to the first point is calculated.

  In addition, according to the present invention, when an instruction to exchange points is obtained from the outside, the first electronic money communication unit communicates with the first electronic money control unit to transfer points from the first electronic money control unit. The request is received, and the calculation unit calculates the number of points of the second point corresponding to the first point based on the point transfer request received by the first electronic money communication unit, and the second electronic money The communication unit communicates with the second electronic money control unit, and stores the second point calculated by the calculation unit in the second storage area.

  In addition, the present invention reads and writes information stored in the first storage area in which the first point given according to the balance of the first electronic money and the usage amount of the first electronic money is stored. The first electronic money control unit to be performed, and the second electronic money balance stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money are stored A point transfer device that communicates with a portable terminal that includes a second electronic money control unit that reads and writes information, and that performs settlement of a usage amount using the first electronic money and grants a first point according to the usage amount Receiving a point transfer request from the first electronic money control unit when the first electronic money communication unit communicates with the first electronic money control unit to make a payment to the computer, and a calculation unit But the first When the child money communication unit receives the point transfer request, the step of calculating the number of points of the second point corresponding to the first point, and the second electronic money communication unit communicate with the second electronic money control unit And a step of storing the second point calculated by the calculation unit in the second storage area.

  In addition, the present invention reads and writes information stored in the first storage area in which the first point given according to the balance of the first electronic money and the usage amount of the first electronic money is stored. The first electronic money control unit to be performed, and the second electronic money balance stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money are stored A point transfer device that communicates with a portable terminal that includes a second electronic money control unit that reads and writes information, and that performs settlement of a usage amount using the first electronic money and grants a first point according to the usage amount In this point transfer method, the first electronic money communication unit receives a point transfer request from the first electronic money control unit when making a payment by communicating with the first electronic money control unit And the calculation part When the first electronic money communication unit receives the point transfer request, the step of calculating the number of points of the second point corresponding to the first point, and the second electronic money communication unit, the second electronic money communication unit Communicating with the control unit, and storing the second point calculated by the calculation unit in the second storage area.

  In addition, the present invention reads and writes information stored in the first storage area in which the first point given according to the balance of the first electronic money and the usage amount of the first electronic money is stored. The first electronic money control unit to be performed, and the second electronic money balance stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money are stored A mobile terminal provided with a second electronic money control unit that reads and writes information, communicates with the mobile terminal, settles a usage amount using the first electronic money, and grants a first point according to the usage amount A point transfer system including a point transfer device for performing the transfer, and the first electronic money control unit of the mobile terminal stored in the first storage area and indicating whether or not to make a point transfer request Based on The point transfer device transmits a point transfer request to the point transfer device, and when the point transfer device communicates with the first electronic money control unit to make a payment, the point transfer request is sent from the first electronic money control unit. A first electronic money communication unit that receives the first electronic money communication unit; a calculation unit that calculates a point number of a second point corresponding to the first point when the first electronic money communication unit receives the point transfer request; And a second electronic money communication unit that communicates with the electronic money control unit and stores the second point calculated by the calculation unit in the second storage area.

  According to the present invention, it is possible to easily transfer points by simply bringing a mobile terminal close to a reader / writer without accessing a website for transferring points. In addition, no major system change is required, and security is not reduced.

It is a block diagram which shows the system configuration | structure of one Embodiment of this invention. It is a block diagram used for operation | movement description at the time of the 1st electronic money use in one Embodiment of this invention. It is a block diagram used for operation | movement description at the time of the 2nd electronic money use in one Embodiment of this invention. It is a block diagram used for operation | movement description at the time of the point transfer in one Embodiment of this invention. It is a sequence diagram used for explanation of setting of a point shift rate in one embodiment of the present invention. It is a sequence diagram used for explanation at the time of point shift in one embodiment of the present invention. It is explanatory drawing of the point transfer setting screen in one Embodiment of this invention. It is explanatory drawing of the point transfer setting screen in one Embodiment of this invention. It is explanatory drawing of the 1st point transfer method in one Embodiment of this invention. It is explanatory drawing of the 2nd point transfer method in one Embodiment of this invention. It is explanatory drawing of the 3rd point transfer method in one Embodiment of this invention. It is explanatory drawing of the 4th point transfer method in one Embodiment of this invention. It is explanatory drawing of the 5th point transfer method in one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows a system configuration of an embodiment of the present invention. The electronic money system in this embodiment includes a mobile terminal 11, a reader / writer 21, a server 31 installed in a settlement center, a server 41a of a first electronic money management company, and a second electronic money management company. Server 41b.

  In FIG. 1, a portable terminal 11 is equipped with a non-contact IC chip and has an electronic money function. The electronic money function is realized by installing an application on the non-contact IC chip. In this example, a first electronic money control application (first electronic money control unit) 13a and a second electronic money control application (second electronic money control unit) 13b are installed in the mobile terminal 11. ing. Thereby, in the portable terminal 11, the first electronic money and the second electronic money can be used. The mobile terminal 11 stores first electronic money information and second electronic money information independently.

  That is, the mobile terminal 11 is provided with a first storage area 16a and a second storage area 16b. The first storage area 16a stores the balance information of the first electronic money, the point information of the first electronic money, and the transfer setting information. This transfer setting information is information indicating whether or not the first electronic money point is transferred to another electronic money point. For example, the migration setting information is represented by a numerical value. “0” indicates that points are not transferred, and “1” indicates that point transfer is requested. The migration setting information is set and stored when the mobile terminal 11 receives an input of operation information from the user. The second storage area 16b stores the balance information of the second electronic money and the point information of the second electronic money. The first storage area 16a can be accessed only by the first electronic money control application 13a. The second storage area 16b can be accessed only by the second electronic money control application 13b.

  The reader / writer 21 performs proximity communication with the IC chip of the mobile terminal 11, and reads / writes the balance of electronic money and point data stored in the mobile terminal 11. The reader / writer 21 is placed, for example, in a store that sells products. The reader / writer 21 reads and writes the balance and points of electronic money stored in the mobile terminal 11 and communicates with the server 31 of the settlement center to settle the products sold. I do. The reader / writer 21 is connected to the server 31 of the settlement center via, for example, a POS (Point Of Sales) register.

  The reader / writer 21 includes a first electronic money communication unit 22a for reading / writing first electronic money data and a second electronic money for reading / writing second electronic money data. The communication part 22b, the point transfer control part 26, the communication control part 23, the memory | storage part 24, and the calculation part 25 are provided. The electronic money communication unit 22a performs close proximity communication with the first electronic money control application 13a of the mobile terminal 11 when using the first electronic money, and the balance of the first electronic money in the first storage area 16a. The information, the first electronic money point information, and the migration setting information are read / written. When the second electronic money communication unit 22b uses the second electronic money, the second electronic money communication unit 22b performs near field communication with the second electronic money control application 13b of the mobile terminal 11, and stores the second electronic money storage area 16b in the second electronic money storage area 16b. The balance information of the second electronic money and the point information of the second electronic money are read / written.

The point transfer control unit 26 performs control when transferring the first electronic money points to the second electronic money points. The point transfer process will be described later. The communication control unit 23 switches the operation between the first electronic money communication unit 22a and the second electronic money communication unit 22b in response to a control instruction from the point transfer control unit 26.
The storage unit 24 stores a point shift rate. As will be described later, the point transfer rate is determined by the first point acquisition rate indicating the number of points of the first point according to the amount of use of the first electronic money and the amount of use of the second electronic money. Based on the corresponding point acquisition rate indicating the number of points of the second point, it is calculated by the settlement center server 31 and distributed to the reader / writer 21.
When calculating the point from the first point to the second point, the calculating unit 25 calculates the second point corresponding to the first point to be transferred based on the point transfer rate of the storage unit 24. ing.

The server 31 of the settlement center sends the settlement information including the usage amount related to the settlement performed by the reader / writer 21 and the date and time when the settlement is performed to the servers 41a and 41b of the first and second electronic money point management companies. Notify The settlement center server 31 also monitors the status of the reader / writer 21 and distributes setting information.
The server 41a of the first electronic money point management company stores and manages the balance of the first electronic money, the points of the first electronic money, and the like. The server 41b of the second electronic money point management company stores and manages the balance of the second electronic money, the points of the second electronic money, and the like. The servers 41a and 41b of the first and second electronic money point management companies are connected to the server 31 of the settlement center via a network.

  FIG. 2 shows a case where the first electronic money is used. When using the first electronic money, the first electronic money communication unit 22a of the reader / writer 21 is activated. When the first electronic money communication unit 22a of the reader / writer 21 is activated and the portable terminal 11 is brought close to the reader / writer 21, the first electronic money control application 13a of the portable terminal 11 is transmitted by the carrier wave from the first electronic money communication unit 22a. Is activated and the reader / writer 21 can access the first storage area 16a. Then, the reader / writer 21 increases or decreases the balance information of the first electronic money and the point information of the first electronic money according to the amount used. Also, payment information by the first electronic money and point increase / decrease information of the first electronic money are sent to the server 31 of the payment center. Further, the first electronic money settlement information and point increase / decrease information are sent from the settlement center server 31 to the first electronic money point management company server 41a.

  FIG. 3 shows a case where the second electronic money is used. When the second electronic money is used, the second electronic money communication unit 22b of the reader / writer 21 is activated. When the second electronic money communication unit 22b of the reader / writer 21 is activated and the portable terminal 11 is brought close to the second electronic money communication unit 22b, the second electronic money control application 13b of the portable terminal 11 is transmitted by the carrier wave from the second electronic money communication unit 22b. Is activated, and the reader / writer 21 can access the storage area 16b of the second electronic money. Then, the reader / writer 21 increases or decreases the balance information of the second electronic money and the point information of the second electronic money according to the amount used. Also, the payment information by the second electronic money and the point increase / decrease information of the second electronic money are sent to the server 31 of the payment center. Further, the second electronic money settlement information and the point increase / decrease information are sent from the settlement center server 31 to the second electronic money point management company server 41b.

  FIG. 4 shows a case where the points of the first electronic money are transferred to the points of the second electronic money. In the electronic money system according to the present embodiment, when the first electronic money communication unit 22a of the reader / writer 21 is activated to bring the portable terminal 11 close to the reader / writer 21, the first electronic money system is based on the movement setting information. Money points can be transferred to other electronic money points. This point transfer can be performed simultaneously with the settlement using the first electronic money.

  Migration setting information is stored in the first storage area 16a. Here, the transfer setting information includes information indicating a point transfer request for transferring the first electronic money point to another electronic money point. When the first electronic money communication unit 22a of the reader / writer 21 is activated and the portable terminal 11 is brought close to the reader / writer 21, the first electronic money control application 13a transmits transition setting information.

  When the point transfer control unit 26 of the reader / writer 21 reads the transfer setting information, it detects that transfer of the first electronic money point to another electronic money point is set as the transfer setting information. . The point transfer control unit 26 of the reader / writer 21 performs point transfer processing according to the transfer setting information. At this time, the point transfer rate stored in the storage unit 24 is used for calculating the number of points of the transfer destination. When the point transfer control unit 26 of the reader / writer 21 receives the transfer setting information from the first storage area 16a by the first electronic money communication unit 22a, the point transfer control part 26 receives the first electronic money points in the first storage area 16a. Subtract according to the points to be transferred.

  The point transfer control unit 26 causes the calculation unit 25 to calculate the second electronic money points corresponding to the transferred first electronic money points based on the point transfer rate of the storage unit 24. Then, the point transfer control unit 26 causes the communication control unit 23 to switch from the first electronic money communication unit 22a to the second electronic money communication unit 22b, and the second electronic money communication unit 22b performs the second storage area. By adding only the calculated points to the second point of 16b, a point shift from the point of the first electronic money to the point of the second electronic money is performed.

  For example, suppose that 500 points of first electronic money are converted into points of second electronic money. At this time, it is assumed that the point shift rate stored in the storage unit 24 is 1.5. In this case, the number of points of the second electronic money can be calculated as (500 × 1.5 = 750).

  After the first electronic money communication unit 22a of the reader / writer 21 subtracts 500 points to be transferred from the point information of the first electronic money and rewrites the number of points of the first electronic money in the first storage area 16a. And switch to the second electronic money communication unit 22b. When the second electronic money communication unit 22b is activated, the reader / writer 21 can access the second storage area 16b. When the second storage area 16b can be accessed, the previously calculated 750 points are added to the second electronic money points. As a result, the points of the first electronic money can be exchanged for the points of the second electronic money.

  The increase / decrease information of the points generated by the point transfer is notified from the reader / writer 21 to the server 31 of the settlement center. Then, the first electronic money point increase / decrease information is sent to the server 41a of the electronic money point management company, and the second electronic money point increase / decrease information is sent to the server 41b of the second electronic money point management company. .

  As described above, in the present embodiment, the point of the first electronic money can be transferred to the point of the second electronic money simply by bringing the mobile terminal 11 closer to the reader / writer 21. Note that the points can be transferred simultaneously with the settlement, or only the points can be exchanged. For example, when only the point exchange is performed without making a settlement, a point exchange instruction is input from the input means connected to the reader / writer 21 to the reader / writer 21, and the portable terminal 11 is brought close to the reader / writer 21. Then, the reader / writer 21 may read the transfer setting information from the mobile terminal 11 and transfer the first electronic money point to the second electronic money point based on the read transfer design information. In this case, for the input of the point exchange instruction to the reader / writer 21, for example, a button is provided on the reader / writer 21, the point exchange instruction is input when the button is pressed, and the reader / writer 21 does not make a settlement and points. You may make it switch to the mode which only performs exchange. Alternatively, a point exchange instruction may be received from the settlement center server 31, or a point exchange instruction may be received from the mobile terminal 11. Moreover, you may make it perform point transfer at the timing which provides a coupon.

  Next, the setting of the point transfer rate to the storage unit 24 of the reader / writer 21 will be described in detail. This point transfer rate is calculated by the server 31 of the settlement center from the point acquisition rate of the first electronic money and the point acquisition rate of the second electronic money, and is distributed to the reader / writer 21.

  FIG. 5 is a sequence diagram showing processing when the point transfer rate is set in the storage unit 24 of the reader / writer 21. In FIG. 5, the server 41a of the first electronic money point management company notifies the server 31 of the settlement center of the first electronic money point acquisition rate (step S1). The server 41b of the second electronic money point management company notifies the server 31 of the settlement center of the second electronic money point acquisition rate. The server 31 of the settlement management center calculates a point transfer rate from the first electronic money point acquisition rate and the second electronic money point acquisition rate as follows (step S3).

For example, let Ra be the point acquisition rate of the first electronic money. In this case, the point number Pa of the first electronic money that can be obtained by paying Y yen is:
Pa = Y × Ra
It becomes. For example, if the point acquisition rate is “0.1”, the number of points acquired for 1000 yen payment is 100 points, and 10% points are acquired for the amount.

Also, let Rb be the second electronic money point acquisition rate. In this case, the second electronic money point number Pb that can be obtained by paying Y yen is:
Pb = Y × Rb
It becomes.

Therefore, the point transfer rate Tr for transferring the first electronic money points to the second electronic money points is:
Tr = Rb / Ra
As required.

For example, if the first electronic money can acquire 10 points for 100 yen, the point acquisition rate Ra is (Ra = 10/100). In the second electronic money, if 15 points can be obtained for 100 yen, the point acquisition rate Rb is (Rb = 15/100). Therefore, the point transfer rate Tr is
Tr = Rb / Ra = 1.5
It becomes.

  After calculating the point transfer rate as described above, the settlement center server 31 distributes the point transfer rate to the reader / writer 21 (step S4). As a result, the point transfer rate is stored in the storage unit 24 of the reader / writer 21.

Next, the processing when the portable terminal 11 and the reader / writer 21 are brought close to each other to perform point transfer will be described in detail with reference to the sequence diagram of FIG.
As described above, when the point transfer is performed, the first electronic money communication unit 22 a of the reader / writer 21 is activated to bring the portable terminal 11 close to the reader / writer 21. When the portable terminal 11 comes close to the reader / writer 21 in which the first electronic money communication unit 22a is activated, the first electronic money control application 13a of the portable terminal 11 is activated. In this state, the first electronic money communication unit 22a of the reader / writer 21 sends the balance information of the first electronic money and the point information of the first electronic money to the first electronic money control application 13a of the portable terminal 11. Then, the migration setting information is requested (step S101).

  When the first electronic money control application 13a of the portable terminal 11 receives the request for the balance information of the first electronic money, the point information of the first electronic money, and the migration setting information, the first electronic money control application 13a receives the request from the first storage area 16a. Then, the balance information of the first electronic money, the point information of the first electronic money, and the transfer setting information are read, and the response is made to the first electronic money communication unit 22a of the reader / writer 21 (step S102).

The reader / writer 21 performs payment of electronic money according to the purchase amount, and transfers points according to the transfer setting information. That is, the amount used is subtracted from the received first electronic money balance. Further, the points for transferring to the second electronic money are subtracted according to the transfer setting information. Then, the settlement result of the first electronic money and the increase / decrease result of the points in the first electronic money are sent to the first electronic money control application 13a of the portable terminal 11 and written in the first storage area 16a (step S103). ).
When the portable terminal 11 writes the balance information of the first electronic money and the point information of the first electronic money, the portable terminal 11 responds with the writing result to the reader / writer 21 (step S104).

  When the reader / writer 21 receives the response from the portable terminal 11, the reader / writer 21 switches the setting so that the second electronic money communication unit 22b is executed. Then, the second electronic money communication unit 22b of the reader / writer 21 requests the second electronic money control application 13b of the portable terminal 11 for the second electronic money point information (step S105).

  Upon receiving this request, the second electronic money control application 13b of the mobile terminal 11 reads the second electronic money point information from the second electronic money storage area 16b, and the second electronic money of the reader / writer 21. It transmits to the money communication part 22b (step S106).

  The second electronic money communication unit 22b of the reader / writer 21 transfers points by the number of points calculated based on the point transfer rate. That is, the second point number corresponding to the first point number to be transferred is calculated, and the calculated point number is added to the second point. And the increase / decrease result of a point is sent to the 2nd electronic money control application 13b of the portable terminal 11, and is written in the 2nd storage area 16b (step S107).

  When the second electronic money control application 13b of the portable terminal 11 writes the point information of the second electronic money, the second electronic money control application 13b responds the writing result to the reader / writer 21 (step S108).

  When the second electronic money communication unit 22b of the reader / writer 21 receives the response from the portable terminal 11, the settlement amount of the first electronic money and the first and second electronic money are sent to the server 31 of the settlement center. A point increase / decrease amount is transmitted (step S109).

  The settlement center server 31 transmits the first electronic money settlement amount and the increase / decrease amount of the first electronic money points to the server 41a of the first electronic money point management company (step S110). Further, the settlement center server 31 transmits the second electronic money point increase to the second electronic money point management company server 41b (step S111). As a result, the points of the first electronic money are converted into the points of the second electronic money.

Note that when the point exchange instruction is input to the reader / writer 21 from the input means connected to the reader / writer 21 and only the point exchange is performed without performing the settlement, the above-described description using FIG. In the processing, processing excluding processing related to electronic money may be performed.
That is, in step S101, the first electronic money communication unit 22a requests the first electronic money control application 13a for the first electronic money point information and the migration setting information, and in step S102, the first electronic money control unit 13a requests the first electronic money. The control application 13a responds with the first electronic money point information and the migration setting information, and in step S103, the first electronic money communication unit 22a sends the first electronic money control application 13a to the first electronic money with the first electronic money. Send the result of increase or decrease of points. In step S109, the electronic money communication unit 22b transmits the point increase / decrease amounts of the first and second electronic money to the settlement center server 31, and in step S110, the settlement center server 31 transmits the first electronic money. -The increase / decrease amount of the first electronic money points is transmitted to the server 41a of the point management company. Steps S104 to S108 and step S111 are the same as described above.

  Next, the point transfer setting to the mobile terminal 11 will be described. As described above, in the first embodiment of the present invention, the migration setting information is stored in the first storage area 16 a of the mobile terminal 11. This migration setting information can be set by the user operating the mobile terminal 11.

FIG. 7 shows an operation screen of the portable terminal 11 when the point transfer setting is performed. As shown in FIG. 7, the balance 51 of the first electronic money and the point number 52 are displayed on the display unit of the mobile terminal 11. Further, a transition setting button 53 is displayed on the display unit.
When the transition setting button 53 is pressed here, a setting screen as shown in FIG. 8 is displayed. On this setting screen, a migration destination selection box 54 and migration method selection boxes 55a, 55b, and 55c are displayed. In the transfer destination selection box 54, selection information indicating to which electronic money point is transferred is input. In the migration method selection boxes 55a, 55b, and 55c, migration method selection information is input. As the transfer method, the following first to fifth transfer methods can be selected.

(1) First transfer method: The points of the first electronic money already stored are transferred to other electronic money and granted.
(2) Second transfer method: The first electronic money points generated at the time of settlement are transferred to other electronic money points and granted.
(3) Third transfer method: The first electronic money points already accumulated and the first electronic money points generated at the time of settlement are transferred to other electronic money points and granted.
(4) Fourth transfer method: When a point of the first electronic money reaches a certain amount or more, a certain amount is transferred to another electronic money point and given.
(5) Fifth transfer method: When a specific month and day are reached, the points of the first electronic money already stored are transferred to other electronic money and granted.

  One or more migration methods can be selected, and a migration method that meets the conditions can be selected according to the priority order. As described above, when the migration destination and the migration method are set, the migration setting information is stored in the first storage area 16a of the mobile terminal 11 accordingly. In this case, for example, if the migration setting information is “0”, it indicates that the point migration is not requested, and if “1”, it indicates that the point migration is requested by the first migration method, and “2”. If there is, it indicates that point transfer is requested by the second transfer method, “3” indicates that point transfer is requested by the third transfer method, and if “4”, it indicates by the fourth transfer method. It indicates that a point transfer is requested, and “5” indicates that a point transfer is requested by the fifth transfer method.

The above-described first to fifth transition methods will be further described in detail.
<(1) First Transfer Method: Transferring and Granting First Electronic Money Points Already Stored to Other Electronic Money>
FIG. 9 is an explanatory diagram of the first transition method. FIG. 9A shows the balance and the number of points of electronic money before the transfer when points are transferred by the first transfer method, and FIG. 9B shows the balance and the number of points of electronic money after the transfer. Show.

  As shown in FIG. 9A, it is assumed that the balance of the first electronic money is 15000 yen and the point of the first electronic money is 500 points before the transition. Further, it is assumed that the balance of the second electronic money is 15000 yen and the point of the second electronic money is 300 points. Also, it is assumed that 1 point of the first electronic money can be obtained for 10 yen of electronic money. Further, it is assumed that the point transfer rate from the first electronic money to the second electronic money is 1.5. Now, assume that the first electronic money is used for only 3000 yen.

As shown in FIG. 9 (A), the balance of the first electronic money was 15000 yen, but since 3000 yen was used, as shown in FIG. 9 (B), the balance of electronic money was
15000-3000 = 12,000 yen.

As shown in FIG. 9A, 500 points have already been accumulated as the number of points of the first electronic money. In the first transfer method, the already stored 500 points are transferred to the second point. In this case, since the point transfer rate from the first electronic money to the second electronic money is 1.5, when 500 points of the first electronic money are transferred to points of the second electronic money,
500 × 1.5 = 750 points.

The number of points of the first electronic money so far is 500 points, of which 500 points are transferred to the second electronic money. At this time, the first electronic money is only used for 3000 yen. As the first electronic money point,
3000 x 0.1 = 300 points are earned. Therefore, as shown in FIG. 9B, the number of points of the first electronic money after the point transfer is 300 points.

On the other hand, as shown in FIG. 9A, the number of points of the second electronic money so far is 300 points. To this, 750 points exchanged from the first electronic money are added. Therefore, as shown in FIG. 9B, the number of points of the second electronic money after the point transfer is
300 + 750 = 1050 points.

<(2) Second Transfer Method: Transferring and Granting First Electronic Money Points Generated at Settlement to Other Electronic Money Points>
FIG. 10 is an explanatory diagram of the second transition method. FIG. 10 (A) shows the balance and the number of points of electronic money before the transfer when points are transferred by the second transfer method, and FIG. 10 (B) shows the balance and the number of points of electronic money after the transfer. Show.

  As shown in FIG. 10A, it is assumed that the balance of the first electronic money is 15000 yen and the point of the first electronic money is 500 points before the transition. Further, it is assumed that the balance of the second electronic money is 15000 yen and the point of the second electronic money is 300 points. Also, it is assumed that 1 point of the first electronic money can be obtained for 10 yen of electronic money. Further, it is assumed that the point transfer rate from the first electronic money to the second electronic money is 1.5. Now, assume that the first electronic money is used for only 3000 yen.

As shown in FIG. 10 (A), the balance of the first electronic money was 15000 yen, but since 3000 yen was used, as shown in FIG. 10 (B), the balance of electronic money was
15000-3000 = 12,000 yen.

At this time, since the first electronic money is only 3000 yen, as a point of the first electronic money,
3000 x 0.1 = 300 points are earned. In the second transfer method, the acquired points are transferred to the second electronic money and given.

Since the point transfer rate from the first electronic money to the second electronic money is 1.5, if 300 points are acquired with the first electronic money, the second electronic money points are:
300 × 1.5 = 450 points have been obtained. As shown in FIG. 10A, 500 points have already been accumulated as the number of points of the first electronic money. This number of points is not changed. Therefore, as shown in FIG. 10B, after the point transfer, the number of points of the first electronic money is 500 and is not changed.

On the other hand, the number of points of the second electronic money so far is 300 points, and the acquired point number of 450 points is added to this. Therefore, as shown in FIG. 10B, the number of points of the second electronic money after the point transfer is
300 + 450 = 750 points.

<(3) Third transfer method: The first electronic money points already accumulated and the first electronic money points generated at the time of settlement are transferred to other electronic money points and granted>
FIG. 11 is an explanatory diagram of the third transition method. 11A shows the balance and the number of points of electronic money before the transfer when points are transferred by the third transfer method, and FIG. 11B shows the balance and the number of points of electronic money after the transfer. Show.

  As shown in FIG. 11A, it is assumed that the balance of the first electronic money is 15000 yen and the point of the first electronic money is 500 points before the transition. Further, it is assumed that the balance of the second electronic money is 15000 yen and the point of the second electronic money is 300 points. Also, it is assumed that 1 point of the first electronic money can be obtained for 10 yen of electronic money. Further, it is assumed that the point transfer rate from the first electronic money to the second electronic money is 1.5. Now, assume that the first electronic money is used for only 3000 yen.

As shown in FIG. 11 (A), the balance of the first electronic money was 15000 yen, but since 3000 yen was used, as shown in FIG.
15000-3000 = 12,000 yen.

As shown in FIG. 11A, 500 points have already been accumulated as the number of points of the first electronic money. In addition, at this time, since only the first electronic money is 3000 yen, as a point of the first electronic money,
3000 x 0.1 = 300 points are earned. Therefore, the number of points of the first electronic money is
500 + 300 = 800 points. Since all the points of the first electronic money so far and the acquired points are transferred to the second point, the first electronic money after the point transfer is transferred as shown in FIG. The number of points is 0 points.

In the third transfer method, the 800 points are transferred to the second point. In this case, since the point transfer rate from the first electronic money to the second electronic money is 1.5, when 800 points of the first electronic money are transferred to points of the second electronic money,
800 × 1.5 = 1200 points. The number of points of the second electronic money so far is 300 points, and 1200 points transferred from the first electronic money are added to this. Therefore, as shown in FIG. 11B, the number of points of the second electronic money after the point conversion is
300 + 1200 = 1500 points.

<(4) Fourth transfer method: When the first electronic money point reaches a certain amount or more, a certain amount is transferred to another electronic money point and given>

  FIG. 12 is an explanatory diagram of the fourth transition method. 12A shows the balance and the number of points of electronic money before the transfer when points are transferred by the fourth transfer method, and FIG. 12B shows the balance and the number of points of electronic money after the transfer. Show.

  As shown in FIG. 12A, it is assumed that the balance of the first electronic money is 15000 yen and the point of the first electronic money is 500 points before the transition. Further, it is assumed that the balance of the second electronic money is 15000 yen and the point of the second electronic money is 300 points. Also, it is assumed that 1 point of the first electronic money can be obtained for 10 yen of electronic money. Further, it is assumed that the point transfer rate from the first electronic money to the second electronic money is 1.5. Now, assume that the first electronic money is used for only 3000 yen.

As shown in FIG. 12 (A), the balance of the first electronic money was 15000 yen, but since 3000 yen was used, as shown in FIG. 12 (B), the balance of electronic money was
15000-3000 = 12,000 yen.

  The fourth transfer method is to transfer a certain amount of points to other electronic money points and give them when the first electronic money points that have already been accumulated become a certain level or more. Here, when the number of points of the first electronic money is accumulated to 600 points or more, it is assumed that 600 points are transferred to the second electronic money points and given.

As shown in FIG. 12A, 500 points have already been accumulated as the number of points of the first electronic money. In addition, at this time, since only the first electronic money is 3000 yen, as a point of the first electronic money,
3000 x 0.1 = 300 points are earned. Therefore, the number of points of the first electronic money is
500 + 300 = 800 points. Since this is a predetermined number of 600 points or more, 600 points are transferred to the second point.

Since 600 points out of 800 points of the first electronic money are transferred, the number of points of the first electronic money after the transfer is as shown in FIG.
800-600 = 200 points.

Since the point transfer rate from the first electronic money to the second electronic money is 1.5, when 600 points of the first electronic money are transferred to points of the second electronic money,
600 × 1.5 = 900 points. The number of points of the second electronic money so far is 300 points, and 900 points transferred from the first electronic money are added to this, so as shown in FIG. The number of electronic money points is
300 + 900 = 1200 points.

<(5) Fifth transfer method: When a specific month and day are reached, the points of the first electronic money already stored are transferred to another electronic money and granted>

  FIG. 13 is an explanatory diagram of the fifth transition method. 13A shows the balance and the number of points of electronic money before the transfer when points are transferred by the fifth transfer method, and FIG. 13B shows the balance and the number of points of electronic money after the transfer. Show.

  As shown in FIG. 13A, it is assumed that the balance of the first electronic money is 15000 yen and the point of the first electronic money is 500 points before the transition. Further, it is assumed that the balance of the second electronic money is 15000 yen and the point of the second electronic money is 300 points. Also, it is assumed that 1 point of the first electronic money can be obtained for 10 yen of electronic money. Further, it is assumed that the point transfer rate from the first electronic money to the second electronic money is 1.5. Now, assume that the first electronic money is used for only 3000 yen.

  Here, the point transfer rate from the first electronic money to the second electronic money is set to 3.0 as a bonus on a specific month and day (for example, birthday), and points are transferred on a specific month and day. Assumed to be performed.

As shown in FIG. 13A, 500 points have already been accumulated as the number of points of the first electronic money. In the fifth transfer method, the already accumulated 500 points are transferred to the second point. In this case, since the point transfer rate from the first electronic money to the second electronic money is 3.0, when 500 points of the first electronic money are transferred to points of the second electronic money,
500 × 3.0 = 1500 points. The number of points of the first electronic money so far is 500 points, of which 500 points are transferred to the second electronic money. At this time, the first electronic money is only used for 3000 yen. As the first electronic money point,
3000 x 0.1 = 300 points are earned. Therefore, as shown in FIG. 13B, the number of points of the first electronic money is 300 points.

The number of points of the second electronic money so far is 300 points, and the number of points exchanged from the first electronic money is 1500 points. Therefore, as shown in FIG. 13B, the number of points of the second electronic money is
300 + 1500 = 1800 points.

  It is also possible to combine the above-described first migration method and the fifth migration method, or to combine the third migration method and the fifth migration method. In addition, when a fraction is generated at the point to be transferred as a result of the calculation based on the point transfer rate, the transfer may be performed after the point becomes a point with no fraction.

  As described above, in the embodiment of the present invention, by setting the point transfer in advance on the mobile terminal 11, the transfer setting information is stored in the first first storage area 16a of the mobile terminal 11. ing. The storage unit 24 of the reader / writer 21 stores the point shift rate distributed from the settlement center server 31.

  When the mobile terminal 11 is brought close to the reader / writer 21 at the time of product purchase and the first electronic money communication unit 22a receives the migration setting information from the first storage area 16a, the first of the first storage area 16a is stored. The electronic money points are subtracted according to the points to be transferred, and the second electronic money points corresponding to the first electronic money points to be transferred are calculated based on the point transfer rate of the storage unit 24. Then, the first electronic money communication unit 22a is switched to the second electronic money communication unit 22b, and the second point of the second storage area 16b is added by the calculated point by the second electronic money communication unit 22b. By doing so, the point transfer from the first electronic money point to the second electronic money point is performed.

  As a result, the point of the first electronic money can be transferred to another electronic money point according to the setting information simply by bringing the mobile terminal 11 close to the reader / writer 21, and the point transfer website is accessed. Point transfer is easy.

  Note that the first electronic money communication unit 22a and the second electronic money communication unit 22b of the reader / writer 21 can be realized by an application. When the first electronic money communication unit 22a or the second electronic money communication unit 22b is realized by an application, the function of performing point conversion as described above to the application of the normal first electronic money communication unit 22a Should be added.

  That is, when the application of the first electronic money communication unit 22a receives the transfer setting information from the first storage area 16a, the point of the first electronic money in the first storage area 16a is transferred according to the point to be transferred. While subtracting, based on the point transfer rate of the storage unit 24, the second electronic money point corresponding to the first electronic money point to be transferred is calculated, and the application of the second electronic money communication unit 22b is calculated. A function of triggering and adding the calculated second point to the second point in the second storage area 16b by the second electronic money communication unit 22b may be added.

The present invention is not limited to the above-described embodiments, and various modifications and applications can be made without departing from the gist of the present invention.
The program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed to perform point transfer. May be. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in the computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

11 Mobile terminals 13a, 13b Electronic money control applications 16a, 16b Storage area 16b Storage area 21 Reader / writer 22a, 22b Electronic money communication section 23 Communication control section 24 Storage section 25 Calculation section 26 Point transfer control section 31 Payment center server 41a 1 electronic money point management company server 41b second electronic money point management company server 53 migration setting button 54 input box 54 selection boxes 55a-55c selection box

Claims (10)

1st electronic money which reads / writes the information memorize | stored in the 1st storage area in which the 1st point provided according to the balance of the 1st electronic money or the usage amount of the said 1st electronic money is memorize | stored The control unit reads and writes information stored in the second storage area in which the second point given according to the balance of the second electronic money or the usage amount of the second electronic money is stored A point transfer device that performs communication with a portable terminal including two electronic money control units, performs settlement of a usage amount by the first electronic money, and grants the first point according to the usage amount,
A first electronic money communication unit that receives a point transfer request from the first electronic money control unit when performing the settlement by communicating with the first electronic money control unit;
A calculation unit that calculates the number of points of the second point corresponding to the first point when the first electronic money communication unit receives the point transfer request;
A second electronic money communication unit that communicates with the second electronic money control unit and stores the second point calculated by the calculation unit in the second storage area;
A point transfer device comprising: The first point acquisition rate indicating the number of points of the first point according to the amount of use of the first electronic money, and the number of points of the second point according to the amount of use of the second electronic money A storage unit for storing a point transition rate calculated based on the second point acquisition rate indicating
The point according to claim 1, wherein the calculation unit calculates the number of points of the second point corresponding to the first point based on the point shift rate stored in the storage unit. Transition device. The first electronic money communication unit reads the first point stored in the first storage area in response to the point transfer request transmitted from the first electronic money control unit,
The calculation unit calculates the number of points of the second point corresponding to the first point read from the first storage area by the first electronic money communication unit. Or the point transfer apparatus of Claim 2. The calculation unit corresponds to the first point according to the usage amount of the settlement performed by the first electronic money in response to the point transfer request transmitted from the first electronic money control unit. The point transfer device according to any one of claims 1 to 3, wherein the number of points of the second point to be calculated is calculated. In response to the point transfer request transmitted from the first electronic money control unit, the calculation unit is provided with a first point corresponding to a usage amount of the settlement performed by the first electronic money. As a result, if it is determined that the number of points of the first point stored in the first storage area has reached a certain value, the number of points of the second point corresponding to the first point is calculated. The point transfer device according to any one of claims 1 to 4, wherein: The calculation unit compares the month / day when the point transfer request transmitted from the first electronic money control unit is received with a predetermined specific month / day, and receives the point transfer request. 6. The number of points of the second point corresponding to the first point is calculated when it is determined that the predetermined date matches a predetermined date. 6. The point transfer apparatus of Claim 1. If you get a point exchange instruction,
The first electronic money communication unit communicates with the first electronic money control unit and receives a point transfer request from the first electronic money control unit;
The calculation unit calculates the number of points of the second point corresponding to the first point based on the point transfer request received by the first electronic money communication unit,
The second electronic money communication unit communicates with the second electronic money control unit, and stores the second point calculated by the calculation unit in the second storage area. The point transfer device according to any one of claims 1 to 6. 1st electronic money which reads / writes the information memorize | stored in the 1st storage area where the 1st point provided according to the balance of the 1st electronic money and the usage amount of the said 1st electronic money is memorize | stored The control unit reads and writes information stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money is stored A computer of a point transfer device that communicates with a portable terminal including two electronic money control units, performs settlement of a usage amount by the first electronic money, and grants the first point according to the usage amount,
Receiving a point transfer request from the first electronic money control unit when the first electronic money communication unit communicates with the first electronic money control unit to make the payment;
A calculating unit that calculates the number of points of the second point corresponding to the first point when the first electronic money communication unit receives the point transfer request;
A second electronic money communication unit communicating with the second electronic money control unit and storing the second point calculated by the calculation unit in the second storage area;
Point migration program to run 1st electronic money which reads / writes the information memorize | stored in the 1st storage area where the 1st point provided according to the balance of the 1st electronic money and the usage amount of the said 1st electronic money is memorize | stored The control unit reads and writes information stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money is stored A point transfer method of a point transfer device that performs communication with a portable terminal including two electronic money control units, and performs payment of a use amount by the first electronic money and grant of the first point according to the use amount Because
Receiving a point transfer request from the first electronic money control unit when the first electronic money communication unit communicates with the first electronic money control unit to make the payment;
A calculating unit that calculates the number of points of the second point corresponding to the first point when the first electronic money communication unit receives the point transfer request;
A second electronic money communication unit communicating with the second electronic money control unit and storing the second point calculated by the calculation unit in the second storage area;
The point transfer method characterized by comprising. 1st electronic money which reads / writes the information memorize | stored in the 1st storage area where the 1st point provided according to the balance of the 1st electronic money and the usage amount of the said 1st electronic money is memorize | stored The control unit reads and writes information stored in the second storage area in which the second point given according to the balance of the second electronic money and the usage amount of the second electronic money is stored A portable terminal provided with two electronic money control units, and a point transfer for communicating with the portable terminal and performing settlement of a usage amount by the first electronic money and giving the first point according to the usage amount A point transfer system comprising a device,
The first electronic money control unit of the mobile terminal is
Based on the transfer setting information stored in the first storage area and indicating whether or not to perform the point transfer request, the point transfer request is transmitted to the point transfer device at the time of the settlement,
The point transfer device is:
A first electronic money communication unit that receives a point transfer request from the first electronic money control unit when performing the settlement by communicating with the first electronic money control unit;
A calculation unit that calculates the number of points of the second point corresponding to the first point when the first electronic money communication unit receives the point transfer request;
A second electronic money communication unit that communicates with the second electronic money control unit and stores the second point calculated by the calculation unit in the second storage area;
A point transition system comprising:

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