JP2017162496A - Point management system and point management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily manage points given by settlement using a card.SOLUTION: An electronic currency management system comprises: a storage unit for storing a management number corresponding to card identification information attached to a card that a user uses, user identification information for identifying the user or a terminal device that the user uses, and points given to the user in association with each other; a calculation unit for calculating points on the basis of first information about the management number and commodity purchase history using the card, and calculating points on the basis of second information about the user identification information and the amount claimed of a service provided for the terminal device that the user uses; and a storage control unit for causing the storage unit to store the points calculated based on the first information in association with the user identification information corresponding to the management number and to store the points calculated based on the second information by adding the same to the points calculated based on the first information.SELECTED DRAWING: Figure 10

Description

  The present invention relates to a point management system and a point management method.

  Conventionally, a settlement service using a card is known (see, for example, Patent Document 1).

Japanese Patent No. 5043442

  In the conventional technology, points may be awarded when a payment is made using a card. And it is required to manage easily the points given by the payment using a card.

  Therefore, the present invention has been made in view of these points, and it is an object of the present invention to provide a point management system and a point management method that can easily manage points given by settlement using a card. .

  The point management system according to the first aspect of the present invention includes a management number corresponding to card identification information attached to a card used by a user, user identification information for identifying the user or a terminal device used by the user, While calculating the point based on the 1st information about the storage part which associates and stores the point given to the user, the management number, and the purchase history of the goods using the card, the user identification information A calculation unit that calculates points based on second information related to a bill for a service provided to the terminal device used by the user; and a point calculated based on the first information in the storage unit. And storing the user identification information corresponding to the management number in association with the points calculated based on the second information, Comprising a storage control unit that stores and adds the serial point calculated based on the first information.

  The calculation unit obtains the management number and the purchase history of the product from a first storage device that stores the first information in which the card identification information, the management number, and the purchase history of the product are associated with each other. To obtain and calculate points based on the purchase history, and the storage control unit associates the calculated points with the management number obtained from the first storage device, and stores the calculated points in the storage unit. Also good.

  In the purchase history of the product, information indicating a store where the product is purchased and a purchase amount are associated, and the storage unit associates information indicating the store with a rate for calculating points. Based on the information indicating the store included in the purchase history acquired from the first storage device and the rate stored in the storage unit in association with the information indicating the store. Points may be calculated.

  The calculation unit includes, from the second storage device that stores the second information in which the user identification information is associated with a billing amount corresponding to use of a service provided to the terminal device, the user identification information, and the billing And the storage control unit associates the calculated point with the user identification information acquired from the second storage device and associates the calculated point with the storage unit. May be stored.

  The storage unit stores the billed amount and a rate for calculating points in association with each other, and the calculation unit stores the billing amount acquired from the second storage device and the billing amount associated with the billed amount. The points may be calculated based on the rate stored in the unit.

  The point management system converts the point associated with the user identification information stored in the storage unit into an electronic currency, and uses the electronic currency as a bank account used by a user indicated by the user identification information. You may further provide the charge part to charge.

  The card is a prepaid card, and the point management system converts the point associated with the user identification information stored in the storage unit into an electronic currency, and associates the electronic currency with the user identification information. You may further provide the charge part which charges the account corresponding to the said card | curd to perform.

  The point management method according to the second aspect of the present invention relates to a management number executed by a computer and corresponding to a card identification information attached to a card used by a user, and a purchase history of a product using the card. A first calculation step for calculating points based on one information, the management number, user identification information for identifying the user or a terminal device used by the user, and the points assigned to the user are stored in association with each other. In the storage unit, a first storage step of storing the points calculated based on the first information in association with the user identification information corresponding to the management number; the user identification information; and the user uses the point A second calculating step of calculating points based on second information related to a billed amount of service provided to the terminal device; In, and a second storage step of storing points that have been calculated, adding to the points that are calculated based on the first information based on the second information.

  According to the present invention, there is an effect that points given by settlement using a card can be easily managed.

It is a figure which shows the outline | summary of the electronic currency management system of this invention. It is a figure which shows the system configuration | structure of an electronic currency management system. It is a figure which shows the information managed by each server which comprises an electronic currency management system. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation | movement at the time of card | curd issuing. It is a figure which shows the structure which concerns on the process at the time of the card | curd issuance in a user terminal and a card management server. It is a figure which shows the flow of the process at the time of card | curd issuing. It is a figure which shows the operation | movement at the time of charging a card | curd. It is a figure which shows the operation | movement at the time of purchasing goods using a card | curd. It is a figure which shows the operation | movement at the time of giving a point with respect to a user. It is a figure which shows the operation | movement at the time of providing a user specific service with respect to a user.

[Outline of Electronic Currency Management System S]
First, an outline of the electronic currency management system S will be described with reference to FIG. The electronic currency management system S is a system that manages the balance of electronic currency that can be used by the user using the card 11 and enables the management of the card 11 from the user's mobile phone (hereinafter referred to as user terminal 12). . An electronic currency is an intangible currency having a monetary value, such as credits, points, and coupons. The card is, for example, a credit card or a prepaid card that can be used when purchasing goods or services using electronic currency.

  The user can use the electronic currency stored in the account using the card 11 when the electronic currency is stored in an account associated with the card 11 in advance and purchase of goods or services. In the electronic currency management system S, the user terminal 12 is used by linking the card 11 and the user terminal 12 in the electronic currency management apparatus 10 that can be accessed via, for example, a base station of a mobile phone network. Card management is realized. Specifically, in the electronic currency management system S, the user terminal 12 is used to implement charging (payment) to a prepaid card, confirmation of a card balance, points given, usage history, and the like.

The user can store electronic currency in various ways. For example, the user can save electronic money by transferring and charging cash to an account designated by a card number set in the card 11. The user can also store electronic currency by shopping at a physical store or online store using the card 11 and receiving points according to the purchase amount. Since the user can confirm the balance of the electronic currency associated with the card 11 from the user terminal 12, the user's willingness to accumulate electronic currency and use it for various purposes is increased.
Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System configuration of electronic currency management system S]
FIG. 2 is a diagram showing an example of the system configuration of the electronic currency management system S. As shown in FIG. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 10 accessible by the user device 1. The electronic currency management apparatus 10 includes a card management server 2, a carrier server 3, and a point management server 4.

  The user device 1 is a device used by each user who uses a service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

The card 11 is a card that performs payment using an international brand payment NW50, and is a prepaid card that performs payment of a usage amount based on an amount charged in advance. In addition, it is good also as using the postpay card | curd which replaces with a prepaid card as a card | curd 11 or postpays the amount of charge postpaid instead of a prepaid card | curd or the amount of charge.
The user terminal 12 is a communication device that performs communication (call) via a communication NW provided by a communication carrier, and is a mobile terminal such as a mobile phone, a smartphone, or a tablet PC. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 through a management application executed based on the program.

  The card management server 2 is a server that manages the usage history of the card 11 for each user, and stores information related to the card 11. Here, FIG. 3A shows an example of various information stored in the card management server 2. As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number (hereinafter simply referred to as “card number”), a balance, a usage history, and the availability of use in association with the management number. .

  The card number is a number consisting of approximately 16 digits of alphanumeric characters set in the card 11 and is identification information for identifying the card 11. The card number is assumed to be stored in a magnetic stripe provided on the card 11, but may be stored together with the IC chip 111 described later. The management number is a number uniquely corresponding to the card number, and is used to identify the card 11 instead of the card number when linking with another server. The balance is information indicating the balance of the amount charged to the card 11. The use history is a history of shopping using the card 11 and includes purchase date and time, products / services to be purchased, purchase price, purchase place (store name), and the like.

  The availability is information indicating availability of service using the card number set in the card 11. When the availability is “Yes”, the status indicating whether the service can be used indicates that the service is available. When the availability is “X”, the status indicating whether the service is available is used. Indicates a disabled state. The service using the card number is, for example, a payment service for performing payment for payment using the card 11, a charge service for charging the card 11 with electronic currency, or a product / service purchased by using the card 11. This is a point service that collects points.

  The carrier server 3 is a server used by a communication carrier, and manages the usage history of the user terminal 12 of the service provided by the communication carrier for each user. The carrier server 3 calculates the amount charged to the user based on the usage history. Further, the carrier server 3 functions as an entrance (portal) for providing the service provided by the communication carrier to the user terminal 12. For example, in response to a request from the user terminal 12, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the point management server 4, and sends it to the user terminal 12. The balance of electronic currency can be notified. The carrier server 3 may acquire points associated with the user ID from the point management server 4 and notify the user terminal 12 of the point balance.

Here, an example of various information managed in the carrier server 3 is shown in FIG. As shown in FIG. 3B, the carrier server 3 stores various information such as the telephone number of the user terminal 12, the billing amount, the contract ID, and the contractor name in association with the user ID.
The user ID is identification information for identifying the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set for the user terminal 12 that is a communication terminal. The charged amount is an amount charged to the user when the user terminal 12 is used, and includes, for example, a communication fee and a usage fee for the content used on the user terminal 12. Depending on the communication carrier, not only a mobile phone but also a complex service such as a fixed telephone or cable TV may be provided to the user. Therefore, the billed amount is provided to the user indicated by the user ID. You may include charges for the services you have. The contract ID is identification information for identifying a contract made with a communication carrier, and is information indicating that the contractor has made the contract. Communication carriers sometimes charge communication charges collectively within the same person or family. The contract ID and the contractor name are information for discriminating a range in which charges for communication charges are collected and a target for charging the collected communication charges.

  Although not shown, the carrier server 3 has paid information related to the contract such as the contract deadline and contract date and time of the user terminal 12 and the amount charged according to the use of the user terminal 12 in association with the user ID. Information on payment of communication charges such as being delayed may be stored.

The point management server 4 obtains points according to use of the card 11 (for example, shopping using the card) and points according to use of the service provided to the user indicated by the user terminal 12 or the user ID. A server that is integrated and managed. Here, examples of various information managed in the point management server 4 are shown in FIGS.
As shown in FIG. 3C, the point management server 4 stores various information such as a management number, points, and detailed information in association with the user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when linking with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when linking with the card management server 2. The point is information indicating the number of points given to the corresponding user according to the charge amount acquired from the carrier server 3 and the purchase amount acquired from the card management server 2 (that is, the settlement amount of the purchased product). It is. The detail information is information including the card 11 and the point usage history, and indicates the history of shopping using the card 11 and the history of points given to the user.

  Further, as shown in FIG. 3D, the point management server 4 stores a point grant rate for calculating points to be granted based on the purchase amount and the charge amount in association with the usage form. As a usage form, the use of the card 11 or the user terminal 12 can be considered, but besides these, depending on whether the store using the card 11 is a normal store or a point preferential store, the rate It is good also as making it differ. Information indicating a store using the card 11 can be acquired by receiving a use history from the card management server 2.

  The point management server 4 may store the balance of the electronic currency managed by the card management server 2 in association with the card number in association with the user ID. In this case, the point management server 4 updates the stored electronic currency balance in synchronization with the update timing of the electronic currency balance in the card management server 2. In response to a request from the user terminal 12, the point management server 4 reads the balance of the electronic currency stored in association with the user ID corresponding to the user terminal 12 from the storage unit, and via the carrier server 3, The balance can be notified to the user terminal 12. The point management server 4 acquires the balance of the electronic currency associated with the card number corresponding to the user ID from the card management server 2 at the timing when the balance of the electronic currency is requested from the user terminal 12, and the acquired balance May be notified to the user terminal 12.

  As described above, in the electronic currency management system S, the card management server 2, the carrier server 3, and the point management server 4 cooperate to manage the card number and the user ID in association with each other. That is, the electronic currency management system S associates and manages card identification information and user identification information for identifying a user who uses the user terminal. Specifically, in the electronic currency management system S, the point management server 4 associates the card number with the user ID via the management number associated with both the card number and the user ID.

  And the electronic currency management system S manages the balance of the electronic currency which can be settled with a card in the card management server 2 in association with the card number. In response to a request from the user terminal 12, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the card management server 2 via the point management server 4. Then, the balance of the electronic currency can be notified to the user terminal 12. By doing in this way, in the electronic currency management system S, it is as if the user manages the electronic currency in association with the user terminal 12 without inputting information on the electronic currency account to the user terminal 12. It is possible to grasp the balance of electronic currency with a sense.

  In the electronic currency management system S having the above configuration, the point management server 4 integrates the usage status of the card 11 managed by the card management server 2 and the usage status of the user terminal 12 managed by the carrier server 3. And achieve point integration. Specifically, the point management server 4 integrates the usage status of the card 11 and the usage status of the user terminal 12 by linking the management number and the user ID.

Since the point management server 4 manages the integrated information in association with the user ID, the usage status of the card 11 and the usage status of the user terminal 12 of the corresponding user can be acquired using the user ID as a key.
Therefore, in the electronic currency management system S, when a user using the user terminal 12 designates a user ID and makes a request, the user can grasp various information managed by the point management server 4. Specifically, when the user terminal 12 transmits predetermined information including a user ID to the carrier server 3, the carrier server 3 acquires various pieces of related information from the point management server 4 using the user ID as a key, and the user Provided to the terminal 12. Note that the point management server 4 and the carrier server 3 may provide the user terminal 12 with difference information with respect to the information provided at the previous request.

[Display screen example of user terminal 12]
Here, an example of the display screen displayed on the user terminal 12 based on various information provided from the carrier server 3 is shown in FIG. FIG. 4A is a display screen 200 showing an example of the top screen displayed during execution of the management application, and FIG. 4B shows an example of a menu screen displayed during execution of the management application. A display screen 210 is shown.

As shown in FIG. 4A, the display screen 200 includes a card balance display 201, a point number display 202, a charge button 203, and a menu button 204.
The card balance display 201 is a display showing the balance of the prepaid card 11, and the point number display 202 is a display showing the number of points given to the user. The display contents of the card balance display 201 and the point number display 202 are controlled based on the balance and the number of points of the card 11 acquired from the point management server 4 using the user ID as a key.

The charge button 203 is used when the user charges the card 11 with a desired amount. When the charge button 203 is operated and the user performs a predetermined charging operation, a charge request is made to the card management server 2 in cooperation with the user ID and the management number.
The menu button 204 is used when calling up menu screens of various services provided by the carrier server 3. When the menu button 204 is operated, a display screen 210 shown in FIG. 4B is displayed on the user terminal 12.

As shown in FIG. 4B, the display screen 210 includes a point menu 211, a shopping menu 212, and a card menu 213.
The point menu 211 includes a menu that prompts the user to use points, such as “Purchase a product using points” and “Get a privilege (coupon) using points”. Thereby, since various services that can use the points are provided to the user, the user can use the given points in various scenes.

The shopping menu 212 includes a menu that prompts the user to use the card 11 such as “Introduction of point preferential stores” and “Introducing stores that can shop using the card 11”. When the card 11 is used, points according to the purchase amount are given in the point management server 4, and by providing such a menu, it is possible to increase the opportunities for giving points.
The card menu 213 includes a menu for confirming the usage details of the card 11. By selecting this menu, the user can check the usage history of the card 11.

[Operation of Electronic Currency Management System S]
The configuration of the electronic currency management system S has been described above. Next, the operation of the electronic currency management system S will be described with reference to FIGS.

[Operation when issuing a card]
First, the operation at the time of card issuance will be described with reference to FIGS. In the electronic currency management system S, the card 11 is issued in a locked state so that it cannot be used. The electronic currency management system S functions as a control system that controls whether or not the service using the card is used, and releases the lock of the card 11 in cooperation with the card 11 and the user terminal 12. Here, the lock of the card 11 means that the service using the card number set in the card 11 is in an unusable state.

  Specifically, as shown in FIG. 5, the card 11 is provided with an IC (Integrated Circuit) chip 111 that can be read by the user terminal 12. The IC chip 111 stores a user ID as first user identification information for identifying the user terminal 12 and a card number, and the user terminal 12 reads the user ID to unlock the card 11. Then, the card 11 can be used. In the present embodiment, an IC chip 111 corresponding to NFC (Near Field Communication), which is a short-range wireless communication technology, is provided on the card 11, and the user terminal 12 uses the NFC communication function that the user terminal 12 has to use the IC chip. The user ID stored in 111 is read.

  Next, the configuration of the electronic currency management system S related to processing at the time of card issuance will be described. FIG. 6 is a diagram showing a configuration relating to processing at the time of card issuance by the user terminal 12 and the card management server 2 as the management server according to the present embodiment.

  First, the configuration of the user terminal 12 will be described. The user terminal 12 includes an input unit 120, a display unit 121, a short-range wireless communication unit 122, a wireless unit 123, a storage unit 124, and a control unit 125.

The input unit 120 includes, for example, a button, a contact sensor disposed on the display unit 121, and the like. The input unit 120 receives an operation input from the user of the user terminal 12.
The display unit 121 includes, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display. The display unit 121 displays characters, graphics, and the like under the control of the control unit 125.

The near field communication unit 122 performs near field communication with the card 11 located within a predetermined range (for example, within several tens of centimeters) with the user terminal 12 by NFC.
The radio unit 123 modulates the signal output from the control unit 125 to generate an RF (Radio Frequency) signal, and wirelessly transmits the RF signal to a base station (not shown) via an antenna (not shown). Radio section 123 demodulates the RF signal received via the antenna and outputs the demodulated signal to control section 125.

  The storage unit 124 is a storage medium such as a ROM and a RAM. The storage unit 124 stores a program for operating the control unit 125. For example, the storage unit 124 stores the above-described management application that causes the control unit 125 to function as the acquisition unit 126, the determination unit 127, the display control unit 128, and the communication unit 129. Further, the storage unit 124 stores a user ID as second user identification information for identifying the user of the user terminal 12.

  The control unit 125 is a CPU, for example. The control unit 125 functions as the acquisition unit 126, the determination unit 127, the display control unit 128, and the communication unit 129 by executing the management application stored in the storage unit 124.

  The acquisition unit 126 acquires a user ID and a card number from the card 11 via the short-range wireless communication unit 122 when the card 11 approaches the user terminal 12. For example, when the management application is being executed and the card 11 is located within a predetermined range from the user terminal 12, the acquisition unit 126 detects the IC chip of the card 11 via the short-range wireless communication unit 122. The user ID and card number stored in 111 are acquired.

  The determination unit 127 determines whether or not the user ID acquired from the card 11 and the user ID stored in the storage unit 124 satisfy a predetermined condition. Specifically, the determination unit 127 determines whether or not the user ID acquired from the card 11 matches the user ID stored in the storage unit 124.

  Here, the user ID stored in the IC chip 111 of the card 11 and the user ID stored in the storage unit 124 may be encrypted. In this case, the determination unit 127 determines whether or not the encrypted user ID acquired from the card 11 matches the encrypted user ID stored in the storage unit 124. By encrypting the user ID stored in the card 11 and the storage unit 124, even if the card 11 or the user terminal 12 is acquired by a third party, the user ID is specified and prevented from being abused. be able to.

  If the determination unit 127 determines that the predetermined condition is satisfied, the display control unit 128 causes the display unit 121 to display the management screen of the card 11. Specifically, when the determination unit 127 determines that the user ID acquired from the card 11 matches the user ID stored in the storage unit 124, the display control unit 128 causes the carrier to transmit via the wireless unit 123. A top screen acquisition request is transmitted to the server 3, and screen information indicating the top screen is received from the carrier server 3. Upon receiving the screen information, the display control unit 128 causes the display unit 121 to display the top screen.

  Note that the display control unit 128 includes information indicating whether or not the card 11 is acquired from the card management server 2 by the communication unit 129, as described later, regardless of whether the determination unit 127 satisfies a predetermined condition. A management screen may be displayed on the display unit 121. By doing in this way, the user of the user terminal 12 can confirm whether or not the card 11 can be used. The information indicating whether or not the card 11 can be used is displayed on the top screen, but the present invention is not limited to this. For example, information indicating whether or not the card 11 can be used may be displayed on another screen linked to the top screen.

  When the determination unit 127 determines that the predetermined condition is satisfied, the communication unit 129 transmits a use permission request for requesting permission to use the card 11 to the card management server 2 via the wireless unit 123. This use permission request includes the card number acquired by the acquisition unit 126. In response to receiving the use permission request, the card management server 2 permits the use of the settlement service by the card 11 in which the card number is set based on the card number included in the use permission request. In addition, the communication unit 129 transmits a message requesting service availability information to the card management server 2 and receives the availability information.

Next, the configuration of the card management server 2 will be described. The card management server 2 includes a communication unit 21, a storage unit 22, and a control unit 23.
The communication unit 21 communicates with an external device by wire. For example, the communication unit 21 communicates with the user terminal 12 via the Internet or the like, or communicates with the point management server 4 via a dedicated line.
The storage unit 22 is a storage medium such as a ROM and a RAM. The storage unit 22 stores a program for operating the control unit 23. In addition, the storage unit 22 stores various types of information illustrated in FIG.

The control unit 23 is, for example, a CPU. The control unit 23 includes an initial processing unit 24, a communication control unit 25, and a state control unit 26.
The initial processing unit 24 sets the state indicating whether or not the service can be used to the unusable state for the card number set to the card 11 when the card 11 is issued. Specifically, the initial processing unit 24 refers to the information shown in FIG. 3A and registers various information related to the issued card 11. Here, the initial processing unit 24 sets the availability associated with the card number to “x”.

The communication control unit 25 receives a use permission request from the user terminal 12 via the communication unit 21.
If the determination unit 127 of the user terminal 12 determines that the predetermined condition is satisfied, the state control unit 26 sets a state indicating whether or not the service can be used to an available state. Specifically, when the communication control unit 25 receives the use permission request from the user terminal 12, the state control unit 26 is associated with the card number included in the use permission request in the information illustrated in FIG. Update the availability to “○”. This makes it possible to shop with the card 11 in which the card number is set.

  The state control unit 26 controls states indicating whether or not each service can be used in association with a plurality of types of services. That is, the state control unit 26 may control whether or not the card 11 can be used for each of a plurality of types of services in association with the user terminal 12. Specifically, the state control unit 26 can manage whether or not the user of the user terminal 12 can use each of the payment service, the charge service, and the point service using the card 11.

  If the determination unit 127 determines that the predetermined condition is satisfied, the state control unit 26 sets a state indicating whether or not a service that has not been in the usable state among a plurality of types of services is usable. For example, when the card 11 is issued, the state control unit 26 permits only the charge service and prohibits other services. Then, the state control unit 26 makes the payment service and the point service usable when the card 11 is unlocked.

  When the determination unit 127 determines that the predetermined condition is satisfied, the state control unit 26 may switch the availability of at least one of the multiple types of services among the multiple types of services. . For example, when the lock of the card 11 is released and the payment service and the point service can be used, the state control unit 26 again sends the acquisition unit 126 to the user from the card 11 via the short-range wireless communication unit 122. Assume that an ID and a card number are acquired. In this case, if the determination unit 127 determines that the predetermined condition is satisfied, the payment service may be changed from the usable state to the unusable state.

Next, an example of processing at the time of issuing a card will be described with reference to FIG.
First, in step S1, when the card issuer (card management server 2) acquires personal information such as the address and name of the user and account information entered by the user of the user terminal 12, the card issuer (card management server 2) By storing the user ID as information in the IC chip 111, the user ID is set on the card 11. When the user ID is set on the card 11, the card management server 2 issues the card 11 to the user in step S2.

  Subsequently, in S3, the initial processing unit 24 of the card management server 2 determines whether or not the use associated with the card number set in the issued card 11 is “X” in the various information shown in FIG. To set the card 11 in an unusable state.

  The initial processing unit 24 of the card management server 2 sets the card 11 to an unusable state, and then performs various processes for sending the card to the user of the user terminal 12 as other initial processes. Ship to 12 users. For example, the initial processing unit 24 controls a printer (not shown) connected so as to be communicable with the card management server 2 and executes a process of printing a user's address, name, etc. acquired in advance on an envelope. The initial processing unit 24 controls an inserter (not shown) that is connected to the card management server 2 so as to be able to communicate with the card management server 2 and seals and seals the document in the envelope. The process of enclosing and sealing is performed. Thereafter, the envelope is sent to the user of the user terminal 12.

  Subsequently, when the envelope is delivered to the user and the issued card 11 arrives, the user reads the IC chip 111 of the card 11 using the user terminal 12 in step S4. That is, when the user makes contact (close proximity) with the user terminal 12 and the card 11 that has arrived at the user while the management application is being executed on the user terminal 12, the acquisition unit 126 of the user terminal 12 The user ID stored in the IC chip 111 of the card 11 is acquired via the communication unit 122.

  Subsequently, in step S <b> 5, the determination unit 127 of the user terminal 12 determines whether or not the user ID that the user terminal 12 has matches the user ID acquired from the card 11. At this time, if both pieces of information (user ID) match, the communication unit 129 of the user terminal 12 transmits a use permission request to the card management server 2 in step S6. In step S <b> 7, the state control unit 26 of the card management server 2 releases the lock of the issued card 11 by setting “O” to the use permission associated with the card number included in the received use permission request. , Allow use. On the other hand, if the two pieces of information do not match in step S4, the user terminal 12 performs predetermined error processing in step S8.

  In the foregoing, an example of processing at the time of issuing a card has been described. Here, in the example illustrated in FIG. 7, determination for unlocking is performed in the user terminal 12. In this regard, the determination may be performed not by the user terminal 12 but by any of the card management server 2, the carrier server 3, and the point management server 4.

  In the above description, the user terminal 12 acquires a card number and transmits a use permission request including the card number to the card management server 2, but the present invention is not limited to this. For example, when the user ID is acquired from the IC chip 111 of the card 11 in the user terminal 12, the user ID and the user ID stored in the user terminal 12 may be transmitted to the card management server 2. When the card management server 2 has the function of the determination unit 127 and receives the user ID stored in the IC chip 111 of the card 11 and the user ID stored in the user terminal 12, the predetermined condition is satisfied. It may be determined whether or not it is satisfied.

  Further, for example, the user terminal 12 may transmit a use permission request including a user ID to the point management server 4 via the carrier server 3 without acquiring a card number. In this case, the point management server 4 specifies a management number associated with the user ID included in the acquired use permission request, and transmits a use permission request including the management number to the card management server 2. When the card management server 2 receives the use permission request, the card management server 2 releases the lock of the card 11 by setting the use permission associated with the management number included in the use permission request to “◯”.

[Operation when charging]
Next, with reference to FIG. 8, the operation when charging the money to the card 11 will be described. FIG. 8A shows a display screen 220 showing a charge menu screen displayed when the charge button 203 is operated on the display screen 200 showing the top screen (see FIG. 4A).

  As shown in FIG. 8A, the electronic currency management system S of this embodiment includes at least a charging method 221 and a charging method 222 as a method of charging the amount of money to the card 11. The charging method 221 is a charging method in which an amount of money is charged to the card 11 using at least a part of the given points, and charging is performed by converting the points into money at a predetermined rate. The charging method 222 is a charging method for charging using carrier settlement. Carrier payment is to make a payment together with the communication fee of the user terminal 12. In this charging method 222, the charged amount is added to the amount charged by the user terminal 12 and charged. In the present embodiment, only the charging methods 221 and 222 will be described, but the charging method to the card 11 is not limited to these, and may be realized by other methods. For example, a bank account used by the user may be set in advance, and the card 11 may be charged via this bank account.

  The operation flow of the charging method 221 and the charging method 222 is shown in FIG. As shown in FIG. 8B, in step S11, the user terminal 12 makes a charge request to the carrier server 3. In this charge request, the user terminal 12 notifies the carrier server 3 of the charge method and the charge amount together with the user ID.

  Upon receiving the charge request, the carrier server 3 notifies the point management server 4 that the charge request has been received from the user terminal 12 in step S12. Specifically, the carrier server 3 notifies the point management server 4 using the user ID that identifies the user terminal 12 that has received the charge request.

  In step S13, the point management server 4 specifies a management number corresponding to the user ID, and the card associated with the card number set in the card 11 corresponding to the management number with respect to the card management server 2. To charge the requested amount. Upon receiving this notification, the card management server 2 deposits the amount notified to the account corresponding to the card number set in the card 11 of the card number corresponding to the management number. In detail, the process of step S13 is performed after the processes of steps S14A and B are performed.

Step S14A is a process executed when the charge method 221 is selected, and step S14B is a process executed when the charge method 222 is selected.
In step S14A, the point management server 4 subtracts a point corresponding to the charge amount from the point associated with the user ID.

In step S14B, the carrier server 3 adds an amount corresponding to the charge amount to the charge amount associated with the user ID, and charges the user at a predetermined timing.
In carrier payment, a payment available frame may be set according to the contents of a contract with a communication carrier. As an example, there may be a case where a settlement frame is set according to the number of months of subscription to a service provided by a communication carrier. For example, a settlement frame of “5000 yen” for a user with a subscription month of “12 months” For a user with a subscription month of “36 months”, a settlement available frame “10,000 yen” is set. In such a case, in the process of step S14B, the carrier server 3 determines whether or not the sum of the charge amount of the current month is within the settleable frame, and only when the carrier server 3 is within the settleable frame. You may enable payment.

[Operation when purchasing a product]
Next, with reference to FIG. 9, an operation when purchasing a product using the card 11 will be described. The card 11 can be used in an actual store or a virtual store on the Internet.
When purchasing a product in an actual store, as shown in step S21A, by reading the card 11 through a card reader, the card number of the card 11 and information related to the product purchase are notified to the settlement NW50 provided by the international brand. The Note that the information related to product purchase is, for example, information such as the purchase price, purchased product, purchased store, and the like. Also, as shown in step S21B, when purchasing a product at a virtual store, the user terminal 12 notifies the settlement NW 50 of the card number of the card 11 and information related to the product purchase.

  When a predetermined settlement process is performed in the settlement NW 50, in step S22, the card N and information related to product purchase are notified from the settlement NW 50 to the card management server 2. Upon receiving this information, the card management server 2 refers to the availability corresponding to the card number. When the availability is “O”, the card management server 2 subtracts the purchase amount from the balance corresponding to the card number and uses the usage history. And the settlement NW 50 is notified that the subtraction process has been completed. The card management server 2 does not subtract the purchase amount from the balance corresponding to the card number because the payment service using the card 11 cannot be used when the availability corresponding to the card number is “x”. Error information indicating that the card 11 cannot be used is transmitted to the card reader or the virtual store.

  Subsequently, in step S <b> 23, the card management server 2 notifies the point management server 4 of information related to product purchase together with a management number corresponding to the card number. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information related to product purchase.

[Operation when points are given]
Next, with reference to FIG. 10, an operation when giving points to the user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of a product using the card 11, and points are also given according to the use of the user terminal 12.

In the case where points are given according to the purchase of the product, the point management server 4 acquires information related to the product purchase from the card management server 2 together with the management number in step S31. Then, in step S32, the point management server 4 specifies a rate according to the store where the product is purchased, and calculates a point according to the purchase amount based on the rate. Note that the processes in steps S31 and S32 are performed each time the user purchases a product using the card 11.
When the points corresponding to the purchase amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.

In step S <b> 33, the point management server 4 acquires the billed amount from the carrier server 3 together with the user ID. Then, in step S34, the point management server 4 calculates points according to the billed amount based on a predetermined rate. Note that the processing of step S33 and step S34 is performed at the timing when the amount charged is determined.
When the point corresponding to the amount charged is calculated, in step S35, the point management server 4 adds the calculated point to the point stored in association with the user ID.

[Operations when providing services to users]
Next, with reference to FIG. 11, an operation for providing a service unique to the user to the user who uses the electronic currency management system S will be described.

In step S41, when the user terminal 12 accesses the carrier server 3 with the user ID, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, the point management server 4 acquires information related to the service corresponding to the notified user ID, and notifies the carrier server 3 of the information. In step S44, the service is provided from the carrier server 3 to the user terminal 12. Is done.
The point management server 4 manages the access history for each user ID, and based on this access history, the difference information from the previous access (use amount, charge amount, increase / decrease of points), the current balance and Get the current number of points. Then, the acquired information is provided to the user terminal 12 via the carrier server 3, so that the user terminal 12 displays a difference from the previous time, the current balance, the number of points, and the like.

The service corresponding to the user ID is, for example, a service that makes it possible to confirm the balance of the card 11 owned by the user and the points given, and introduces a product that matches the user's attributes (recommendation). Service.
As an example, the point management server 4 can purchase a product that can be purchased with the balance or points based on the balance or points associated with the user ID, or a little more than the balance or points that can be purchased. Providing services that introduce Further, the point management server 4 provides a service for introducing a product preferred by the user based on a user attribute (gender, age, date of birth, hobby preference) associated with the user ID. Such services can also be provided that have been updated since the previous access.

  Further, the point management server 4 may change the point management server 4 to a state where the points cannot be used when the contract with the service provider using the user terminal 12 is canceled. For example, it is assumed that a communication carrier provides a communication service using the user terminal 12 and gives a point corresponding to the communication fee to the user of the user terminal 12. In this case, when the point management server 4 acquires information from the carrier server 3 that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. When the point management server 4 acquires information that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that points cannot be used. When the point management server 4 receives a notification from the carrier server 3 that the user has resumed the contract with the communication carrier within a predetermined period after canceling the contract, the point management server 4 You may make it usable.

[Display service availability]
The user of the user terminal 12 can check the service availability status using the card 11 on the screen of the user terminal 12. When the input unit 120 receives an operation for confirming the service availability status, the communication unit 129 transmits a request for availability information indicating availability of the service to the card management server 2. When the card management server 2 receives the request for the availability information, it refers to the availability status managed by the status control unit 26, and the availability status of the service using the card 11 associated with the user terminal 12 Is transmitted to the user terminal 12. In the user terminal 12, when the communication unit 129 receives the availability information from the card management server 2, the display control unit 128 displays the availability of the service using the card 11 based on the received availability information. .

  When the status control unit 26 manages the availability status of the card 11 for each type of service, the communication unit 129 may transmit a request for availability information corresponding to each service to the card management server 2. Good. When the communication unit 129 receives the availability information corresponding to each service from the card management server 2, the display control unit 128 displays the availability of each of the multiple types of services.

[Effects of electronic currency management system S]
In the electronic currency management system S described above, since the service using the card 11 can be used in accordance with the proximity of the user terminal 12 and the card 11, the card 11 arrives at the user. The card can be made usable. Therefore, in the electronic currency management system S, the service using the card 11 can be used safely. Further, the service can be easily used by a simple operation of bringing the user terminal 12 and the card 11 close to each other.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. In particular, the specific embodiments of the distribution / integration of the devices are not limited to those illustrated above, and all or a part thereof may be added in arbitrary units according to various additions or according to functional loads. It can be configured functionally or physically distributed and integrated.

DESCRIPTION OF SYMBOLS S ... Electronic currency management system, 1 ... User equipment, 11 ... Card, 12 ... User terminal, 10 ... Electronic currency management apparatus, 120 ... Input part, 121 ... Display 122: Short-range wireless communication unit 123 ... Wireless unit 124 ... Storage unit 125 ... Control unit 126 ... Acquisition unit 127 ... Determination unit 128 ... Display control unit, 129 ... communication unit, 2 ... card management server, 21 ... communication unit, 22 ... storage unit, 23 ... control unit, 24 ... initial processing unit, 25 ... Communication control unit, 26 ... State control unit, 3 ... Carrier server, 4 ... Point management server, 50 ... Settlement NW

Claims (8)

A storage for associating and storing a management number corresponding to card identification information attached to a card used by a user, user identification information for identifying the user or a terminal device used by the user, and points given to the user And
A point is calculated based on the management number and the first information related to the purchase history of the product using the card, and the user identification information and the amount of service provided to the terminal device used by the user A calculation unit for calculating points based on the second information regarding
In the storage unit, the point calculated based on the first information is stored in association with the user identification information corresponding to the management number, and the point calculated based on the second information is stored in the first information. A storage control unit that adds and stores the points calculated based on one information;
A point management system. The calculation unit obtains the management number and the purchase history of the product from a first storage device that stores the first information in which the card identification information, the management number, and the purchase history of the product are associated with each other. Acquire and calculate points based on the purchase history,
The storage control unit associates the calculated point with the management number acquired from the first storage device and stores the calculated point in the storage unit;
The point management system according to claim 1. In the purchase history of the product, information indicating a store where the product is purchased and a purchase amount are associated,
The storage unit stores information indicating the store in association with a rate for calculating points,
The calculation unit calculates points based on information indicating the store included in the purchase history acquired from the first storage device and a rate stored in the storage unit in association with information indicating the store. To
The point management system according to claim 2. The calculation unit includes, from the second storage device that stores the second information in which the user identification information is associated with a billing amount corresponding to use of a service provided to the terminal device, the user identification information, and the billing And the amount is calculated based on the amount charged,
The storage control unit associates the calculated point with the user identification information acquired from the second storage device, and stores the calculated point in the storage unit.
The point management system according to claim 1 or 2. The storage unit stores the billed amount in association with a rate for calculating points,
The calculation unit calculates points based on a charge amount acquired from the second storage device and a rate associated with the charge amount and stored in the storage unit,
The point management system according to claim 4. A charge unit that converts the points associated with the user identification information stored in the storage unit into electronic currency and charges the electronic currency to a bank account used by a user indicated by the user identification information; Prepare
The point management system according to any one of claims 1 to 5. The card is a prepaid card;
A charge unit that converts the points associated with the user identification information stored in the storage unit into electronic currency and charges the electronic currency to an account corresponding to the card associated with the user identification information; Prepare
The point management system according to any one of claims 1 to 6. The computer runs,
A first calculation step for calculating points based on first information relating to a management number corresponding to card identification information attached to a card used by a user and a purchase history of a product using the card;
Points calculated based on the first information in a storage unit that stores the management number, user identification information for identifying the user or a terminal device used by the user, and points assigned to the user in association with each other Is stored in association with the user identification information corresponding to the management number;
A second calculation step of calculating points based on second information related to the user identification information and a charge amount of a service provided to the terminal device used by the user;
A second storage step of adding and storing the points calculated based on the second information to the points calculated based on the first information in the storage unit;
A point management method comprising:

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