JP2019086942A - Program and settlement terminal - Google Patents

Abstract

To provide a program and a settlement terminal that present an application status of virtual currency to a user when a settlement is made by the virtual currency.SOLUTION: According to an embodiment, a program executed by an information processing device including a communicating unit that communicates with a settlement terminal, and a processor, causes the processor to: receive settlement possibility information indicating virtual currency applicable for a settlement at the settlement terminal; receive currency information on a price change in the virtual currency; and display the currency information on a display device.SELECTED DRAWING: Figure 1

Description

  Embodiments of the present invention relate to a program and a payment terminal.

  In recent years, stores that can be settled in virtual currency have been supplied. In such a store, the POS terminal settles products using a virtual currency owned by the user instead of cash and the like.

  Unlike electronic money, virtual currency fluctuates in value relative to the Japanese yen. For this reason, the virtual currency may be held for operational purposes as well as a currency that can be used by the store. Also, a wide variety of virtual currencies have appeared in recent years.

JP, 2004-280656, A

  In order to solve the above-mentioned subject, a virtual currency payment program and a payment terminal with high convenience are provided to a user.

  According to an embodiment, a program executed in an information processing apparatus having a communication unit communicating with a settlement terminal and a processor causes the processor to receive settlement available information indicating virtual currency that can be settled by the settlement terminal. The currency information on price fluctuation of the virtual currency is received, and the currency information is displayed on a display device.

FIG. 1 is a block diagram showing an exemplary configuration of a payment system according to the embodiment. FIG. 2 is a block diagram showing an exemplary configuration of a server according to the embodiment. FIG. 3 is a block diagram showing an example of configuration of the POS terminal according to the embodiment. FIG. 4 is a diagram showing an example of a settleable currency list according to the embodiment. FIG. 5 is a block diagram showing a configuration example of a portable terminal according to the embodiment. FIG. 6 is a diagram showing an example of a possessed currency list according to the embodiment. FIG. 7 is a view showing a display example of the portable terminal according to the embodiment. FIG. 8 is a sequence diagram showing an operation example of the settlement system according to the embodiment.

Hereinafter, embodiments will be described with reference to the drawings.
The settlement system according to the embodiment settles an article or service (article) in cash or virtual currency. The user has a plurality of virtual currencies in advance. The settlement system performs settlement with cash or virtual currency possessed by the user as the price of the product. Also, the payment system can make payments in multiple virtual currencies. The settlement system settles in the virtual currency selected by the user.

  The virtual currency is a currency that can be traded electronically without a guarantee of state value. For example, a virtual currency is a currency that is not issued by a state or government. Also, the virtual currency is a currency that can be traded in legal currency (for example, yen).

  FIG. 1 is a block diagram showing a configuration example of the payment system 1 according to the embodiment. As FIG. 1 shows, the payment system 1 is comprised from the virtual currency server 10, the POS terminal 20, the user terminal 30, and the network 40 grade | etc.,. The virtual currency server 10, the POS terminal 20 and the user terminal 30 connect to the network 40. The POS terminal 20 and the user terminal 30 may be connected via the network 40, or may be directly connected by wire or near field communication without using the network 40. In addition, the payment system 1 may further include a configuration according to need in addition to the configuration as shown in FIG. 1 or a specific configuration may be excluded from the payment system 1.

  The virtual currency server 10 manages a plurality of virtual currencies. The virtual currency server 10 remits virtual currency based on a signal from the POS terminal 20 or the like. That is, the virtual currency server 10 transfers virtual currency from the account of a predetermined user to the accounts of other users.

  In addition, the virtual currency server 10 transmits currency information on the virtual currency to the user terminal 30 based on a signal from the user terminal 30 or the like.

  The POS terminal 20 (settlement terminal) performs settlement processing of goods using the virtual currency server 10. For example, the POS terminal 20 determines the price of the product purchased by the user. The POS terminal 20 receives a virtual currency owned by the user as a payment. That is, the POS terminal 20 causes the virtual currency server 10 to transfer the virtual currency of the account of the user to a predetermined account.

  The user terminal 30 (information processing apparatus) is a terminal operated by a user who purchases a product. The user terminal 30 stores an ID indicating a virtual currency owned by the user. Also, the user terminal 30 may store data indicating the number of virtual currency possessed by the user. The user terminal 30 transmits, to the POS terminal 20, an ID of a virtual currency used for settlement based on an operation from the user.

  The network 40 is a communication network for transmitting and receiving data between the virtual currency server 10 and the POS terminal 20 and the user terminal 30. For example, the network 40 is the Internet. Also, the network 40 may be a unique communication network.

Next, a configuration example of the virtual currency server 10 will be described.
FIG. 2 is a block diagram showing a configuration example of the virtual currency server 10. As shown in FIG. 2, the virtual currency server 10 includes a processor 11, a ROM 12, a RAM 13, an NVM 14, a communication unit 15, an operation unit 16, a display unit 17 and the like. These units are connected to one another via a data bus. The virtual currency server 10 may have a configuration as needed other than the configuration as shown in FIG. 2, or a specific configuration may be excluded from the virtual currency server 10.

  The processor 11 has a function of controlling the overall operation of the virtual currency server 10. The processor 11 may include an internal cache, various interfaces, and the like. The processor 11 implements various processes by executing programs stored in advance by the internal memory, the ROM 12 or the NVM 14.

  Note that some of the various functions implemented by the processor 11 executing a program may be implemented by a hardware circuit. In this case, the processor 11 controls the function executed by the hardware circuit.

  The ROM 12 is a non-volatile memory in which control programs and control data are stored in advance. The control program and control data stored in the ROM 12 are incorporated in advance according to the specification of the virtual currency server 10. The ROM 12 stores, for example, a program (for example, a BIOS) for controlling the circuit board of the virtual currency server 10 or the like.

  The RAM 13 is a volatile memory. The RAM 13 temporarily stores data and the like being processed by the processor 11. The RAM 13 stores various application programs based on instructions from the processor 11. In addition, the RAM 13 may store data necessary for executing the application program, an execution result of the application program, and the like.

  The NVM 14 is a non-volatile memory capable of writing and rewriting data. The NVM 14 is configured by, for example, a hard disk drive (HDD), a solid state drive (SSD), an EEPROM (registered trademark), a flash memory, or the like. The NVM 14 stores control programs, applications, various data, and the like according to the operation application of the virtual currency server 10.

  Also, the NVM 14 stores information related to the virtual currency. For example, the NVM 14 stores, for each customer ID specifying a user, a virtual currency ID specifying a virtual currency and the price of the virtual currency in association with each other.

  The communication unit 15 is an interface for transmitting and receiving data to and from the POS terminal 20 and the user terminal 30 through the network 40. The communication unit 15 is, for example, an interface that supports LAN connection.

  The operation unit 16 receives input of various operations from the operator. The operation unit 16 transmits a signal indicating the received operation to the processor 11. For example, the operation unit 16 includes a keyboard, a ten key, and a touch panel.

  The display unit 17 displays various information under the control of the processor 11. For example, the display unit 17 is configured of a liquid crystal monitor. When the operation unit 16 is configured by a touch panel or the like, the display unit 17 may be integrally formed with the operation unit 16.

Next, a configuration example of the POS terminal 20 will be described.
FIG. 3 is a block diagram showing a configuration example of the POS terminal 20. As shown in FIG. As shown in FIG. 3, the POS terminal 20 includes a processor 21, a ROM 22, a RAM 23, an NVM 24, a server communication unit 25, a terminal communication unit 26, an operation unit 27, a display unit 28, a drawer 29, a scanner 201, and the like. These units are connected to one another via a data bus. The POS terminal 20 may have a configuration as needed in addition to the configuration as shown in FIG. 3, or a specific configuration may be excluded from the POS terminal 20.

The processor 21 (control unit) has a function of controlling the overall operation of the POS terminal 20.
The ROM 22 is a non-volatile memory in which control programs and control data are stored in advance.
The RAM 23 is a volatile memory.

  The NVM 24 is a non-volatile memory capable of writing and rewriting data. The NVM 24 includes a storage area 24 a that stores a settleable currency list (settable information). The settleable currency list will be described later.

The NVM 24 also stores a PLU (Price Look Up) file.
The PLU file stores product prices and the like. For example, in the PLU file, a code specifying a product is stored in association with a product name and a price of the product.

  The server communication unit 25 is an interface for transmitting and receiving data to and from the virtual currency server 10 through the network 40. The server communication unit 25 is, for example, an interface that supports LAN connection.

  The terminal communication unit 26 is an interface for transmitting and receiving data to and from the user terminal 30. The terminal communication unit 26 supports, for example, Bluetooth (registered trademark) connection. Also, the terminal communication unit 26 may support near field communication (for example, near field radio communication (NFC)). The terminal communication unit 26 may be in contact with the user terminal 30 to transmit and receive data.

The operation unit 27 receives input of various operations from an operator who operates the POS terminal 20.
For example, the operation unit 27 has a numerical key for inputting a numerical value, a PLU key for completing manual input of a product code, a deposit / removal key for calculating balance of goods, a subtotal key for calculating a subtotal, and the like.

  In addition, the operation unit 27 includes a virtual currency key for instructing to make a payment in virtual currency.

The display unit 28 displays various information under the control of the processor 21.
For example, the display unit 28 includes a display unit that displays information to the operator and a display unit that displays information to the user.

  The drawer 29 stores cash. For example, the drawer 29 is formed in the shape of a drawer and is open to the outside. The drawer 29 stores banknotes and coins separately. The drawer 29 opens to the outside based on the signal from the processor 21.

  The scanner 201 reads a code attached to a product or the like. The code is a so-called PLU code. The code is an identifier for identifying each product. The scanner 201 may read a code using invisible light such as infrared light. The scanner 201 transmits data obtained by decoding the read code to the processor 21. When the processor 21 acquires the PLU code sent from the scanner, the processor 21 searches for a PLU file stored in the NVM 24.

Next, the settleable currency list will be described.
FIG. 4 shows an example of a settleable currency list. The settleable currency list indicates virtual currencies that can be settled by the POS terminal 20. That is, the settleable currency list indicates virtual currency that can be used for settlement in a store where the POS terminal 20 is installed.

As FIG. 4 shows, a payment possible currency list matches and stores a "name" and "ID."
"Name" indicates the name of the virtual currency that can be settled.
"ID" is an identifier that identifies a virtual currency.

  Here, the settleable currency list includes “virtual currency A” (ID: 0001), “virtual currency B” (ID: 0002), “virtual currency C” (ID: 0003), and “virtual currency D” (ID: 0004).

Next, a configuration example of the user terminal 30 will be described.
FIG. 5 is a block diagram showing an exemplary configuration of the user terminal 30. As shown in FIG. As illustrated in FIG. 5, the user terminal 30 includes a processor 31, a ROM 32, a RAM 33, an NVM 34, a server communication unit 35, a terminal communication unit 36, an operation unit 37, a display unit 38, and the like. These units are connected to one another via a data bus. In addition, the user terminal 30 may be equipped with the structure as needed other than the structure as FIG. 5 shows, and a specific structure may be excluded from the user terminal 30. FIG.

The processor 31 has a function of controlling the overall operation of the user terminal 30.
The ROM 32 is a non-volatile memory in which control programs and control data are stored in advance.
The RAM 33 is a volatile memory.

  The NVM 34 is a non-volatile memory capable of writing and rewriting data. The NVM 34 includes a storage area 34 a that stores a possessed currency list (possibly possessed information). The possessed currency list will be described later.

  The server communication unit 35 is an interface for transmitting and receiving data to and from the virtual currency server 10 through the network 40.

  The terminal communication unit 36 is an interface for transmitting and receiving data to and from the POS terminal 20. The terminal communication unit 36 supports, for example, Bluetooth (registered trademark) connection. Also, the terminal communication unit 36 may support near field communication (for example, near field radio communication (NFC)). The terminal communication unit 36 may be in contact with the POS terminal 20 to transmit and receive data.

The operation unit 37 receives input of various operations from the user.
The display unit 38 (display device) displays various information under the control of the processor 31.
Here, the operation unit 37 is a touch panel, and is integrally formed with the display unit 38.

  The user terminal 30 is, for example, a laptop PC, a smartphone, a tablet PC, or a wearable terminal. The configuration of the user terminal 30 is not limited to a specific configuration.

Next, the possessed currency list will be described.
FIG. 6 shows an example of the possessed currency list. The possessed currency list indicates virtual currencies owned by the user. That is, the possessed currency list is a virtual currency owned by the user and is a virtual currency managed by the user terminal 30.

As shown in FIG. 6, the possessed currency list stores the "name" and the "ID" in association with each other.
"Name" indicates the name of the virtual currency owned by the user.
"ID" is an identifier that identifies a virtual currency.

  Here, the possessed currency list indicates “virtual currency A” (ID: 0001), “virtual currency B” (ID: 0002), and “virtual currency C” (ID: 0003).

  Note that the possessed currency list does not have to be always held on the portable terminal, but is uploaded to an external device such as a server, and may be acquired by making an inquiry as necessary. In this case, the list temporarily stored in the user terminal corresponds to the possessed currency list.

Next, functions implemented by the virtual currency server 10, the POS terminal 20, and the user terminal 30 will be described.
First, the functions realized by the virtual currency server 10 will be described. The function realized by the virtual currency server 10 is realized by the processor 11 executing a program stored in the NVM 14 or the like.

The processor 11 of the virtual currency server 10 has a function of transmitting currency information on the virtual currency to the user terminal 30.
The processor 11 transmits currency information to the user terminal 30 for each virtual currency.

  The processor 11 receives, through the communication unit 15, a request for requesting currency information of a predetermined virtual currency from the user terminal 30. The processor 11 generates currency information on the virtual currency possessed by the user of the user terminal 30 based on data stored in the NVM 14 or the like. The NVM 14 may store currency information for each user and virtual currency, and the processor 11 may acquire the currency information from the NVM 14. The processor 11 transmits the generated currency information to the user terminal 30 through the communication unit 15.

  The currency information is information on the operation of a predetermined virtual currency. Currency information is information on price fluctuations of a virtual currency. For example, the currency information is composed of the previous day's price, the purchase price, the current price, the number of possessions, the amount of possession, the valuation profit / loss, and the graph.

  The daily ratio is the difference between the price of the current virtual currency and the previous day's closing price.

The purchase price is the price at which the user purchased a virtual currency.
The current price is the price of the current virtual currency.
The owned number is the number of virtual currency owned by the user.

The possession amount is the current amount of the virtual currency possessed by the user. That is, the possessed amount is an amount obtained by integrating the possessed number with the current price.
The valuation loss is the difference between the purchase amount of the virtual currency and the possession amount. That is, the evaluation result is an amount obtained by subtracting the purchase price (the amount obtained by adding the number of possessed cards to the purchase price) from the possessed amount.

  The graph shows the price movement of the virtual currency in a predetermined period. For example, the graph shows price movements over a predetermined period, such as one year, one month, one week or one day. The period of the graph is not limited to a specific period. For example, the graph is data in which the price of the virtual currency is associated with the date and time when the price is attached.

  The currency information may have a configuration according to need in addition to the above configuration, or a specific configuration may be excluded from the currency information. The composition of the currency information is not limited to a specific composition.

  Also, the processor 11 has a function of transferring virtual currency from a predetermined user account to another user account according to a request from the POS terminal 20.

  For example, the processor 11 receives a remittance request from the POS terminal 20 through the communication unit 15. The remittance request includes the virtual currency to be remitted, the user of the remittance source, the user of the remittance destination, the number of remittances, and the like. The processor 11 remits the virtual currency of the number of the virtual currency to the account of the user of the remittance destination from the account of the remittance source user in the virtual currency according to the transmission signal. For example, in the NVM 14, the processor 11 reduces the number of virtual currency strings associated with the ID of the user of the remittance source, and increases the number of virtual currency strings associated with the user of the remittance destination. The processor 11 may transmit a response indicating that the remittance has been completed to the POS terminal 20 through the communication unit 15.

  Next, functions implemented by the POS terminal 20 will be described. The functions implemented by the POS terminal 20 are implemented by the processor 21 executing a program stored in the NVM 24 or the like.

First, the processor 21 has a function of determining the payment to be received from the user.
For example, the processor 21 uses the scanner 201 to read the code of the product purchased by the user. After reading the product code, the processor 21 searches for a PLU file corresponding to the code. When the PLU file is searched, the processor 21 refers to the PLU file and obtains the payment associated with the code. When the fee is acquired, the processor 21 receives the key signal of the subtotal key from the operation unit 27. When the key signal is received, the processor 21 determines the acquired price as the price to be collected from the user. In addition, when the code is read from a plurality of products, the processor 21 adds up the charges associated with each code and determines the price to be collected from the user.
In addition, the processor 21 may receive an input of a price through the operation unit 27. Also, the processor 21 may acquire information indicating an amount collected from the user from an external device.

  Further, the processor 21 has a function of transmitting information indicating a settleable virtual currency to the user terminal 30.

  For example, the processor 21 receives, through the operation unit 27, an operation instructing to make a payment using a virtual currency from the operator. For example, the processor 21 detects a key signal of a virtual currency key.

  When the operation is received, the processor 21 establishes communication with the user terminal 30 through the terminal communication unit 26. For example, the processor 21 displays on the display unit 28 a message prompting the user terminal 30 to be turned or placed at a predetermined place. The user roams or places the user terminal 30 in a predetermined area. The processor 21 establishes communication with the user terminal 30 covered or placed in the predetermined area through the terminal communication unit 26.

  After establishing communication with the user terminal 30, the processor 21 transmits the settleable currency list to the user terminal 30 through the terminal communication unit 26 as the settleable information indicating the settleable virtual currency.

  Also, the processor 21 has a function of settling the payment using the virtual currency selected based on the signal from the user terminal 30.

  The processor 21 receives selection information indicating the virtual currency selected as the virtual currency to be used for settlement through the terminal communication unit 26. For example, the selection information includes an ID indicating a virtual currency to be used for payment. When the selection information is received, the processor 21 calculates the number of the virtual currency required for payment of the payment. For example, the processor 21 divides the charge by the current price of the virtual currency to calculate the required number.

  After calculating the necessary number, the processor 21 generates a remittance request for remittance of the calculated number of virtual currencies from the user's account to the predetermined account in the virtual currency. For example, the predetermined account is an account of a store where the POS terminal 20 is installed. When the remittance request is generated, the processor 21 transmits the generated remittance request to the virtual currency server 10 through the server communication unit 25.

  When the processor 21 receives the response indicating the completion of the remittance through the server communication unit 25, the processor 21 completes the settlement process. In addition, when the processor 21 does not receive a response indicating the completion of the remittance, the processor 21 may display an error message or the like on the display unit 28 or the like.

  Further, the processor 21 may release the difference cash using the drawer 29 or the like when the amount of money of the virtual currency transferred is larger than the payment.

  Next, functions implemented by the user terminal 30 will be described. The function realized by the user terminal 30 is realized by the processor 31 executing a program stored in the NVM 34 or the like.

  First, the processor 31 of the user terminal 30 has a function of receiving, via the terminal communication unit 36, the settlement available information indicating the settlement possible virtual currency.

  For example, the processor 31 establishes communication with the POS terminal 20 through the terminal communication unit 36. For example, as described above, the user roams or places the user terminal 30 in a predetermined area. The processor 31 communicates with the terminal communication unit 26 of the POS terminal 20 through the terminal communication unit 36, and establishes communication with the POS terminal 20.

  After establishing communication with the POS terminal 20, the processor 21 waits for settlement available information. The processor 21 receives the settleable currency list as the settleable information through the terminal communication unit 36.

  In addition, the processor 31 has a function of determining a virtual currency (available virtual currency) that the user can use at the POS terminal 20 for settlement based on the settleable currency list.

  The processor 31 acquires the possessed currency list from the storage area 34a. When acquiring the possessed currency list, the processor 31 determines the virtual currency included in both the settleable currency list and the possessed currency list as the available virtual currency.

  In the example shown in FIG. 4 and FIG. 6, the processor 31 sets “virtual currency A” (ID: 0001), “virtual currency B” (ID: 0002) and “virtual currency C” (ID: 0003).

  Also, the processor 31 has a function of presenting currency information of available virtual currency to the user.

  For example, the processor 31 generates a request for requesting currency information of the available virtual currency. After generating the request, the processor 31 transmits the generated request to the virtual currency server 10 through the server communication unit 35. The processor 31 receives the currency information of the available virtual currency through the server communication unit 35.

  When the currency information of the usable virtual currency is received, the processor 31 displays the currency information on the display unit 38.

  The processor 31 presents currency information to the user when the user purchases a product. For example, when the processor 31 receives the list of settleable currencies from the POS terminal 20, the processor 31 presents currency information to the user.

  FIG. 7 shows a display example in which the processor 31 displays currency information. Here, it is assumed that the processor 31 displays the currency information of “virtual currency A”, “virtual currency B” and “virtual currency C”.

  As shown in FIG. 7, the processor 31 sets the display area 101 and the display area 102 in the display unit 38.

  The display area 101 is composed of display areas 101A to 101C. In addition, the display area 102 is configured of display areas 102A to 102C. The display areas 101A and 102A display the currency information of "virtual currency A". The display areas 101B and 102B display the currency information of "virtual currency B". The display areas 101C and 102C display the currency information of the "virtual currency C".

Here, the display areas 101A and 102A will be described.
The display area 101A displays the comparison with the previous day of the currency information, the buying price, the current price, the number of possessions, the amount of possession, and the evaluation profit or loss. Further, the display area 101A displays the name of "virtual currency A".

  In the example shown in FIG. 7, the display area 101A is "+120 yen" compared to the previous day, buying price "2000 yen", current price "3000 yen", possession number "100", possession amount "300000 yen" and evaluation profit / loss " "+100000 yen" is displayed.

  Further, the display area 102A displays a graph of currency information. The display area 102A displays a graph at a predetermined scale. Note that the display area 102A may display a part of the graph included in the currency information. In addition, the display area 102A may display a trend based on a graph. For example, the display area 102A may display whether the price of the virtual currency is a rising trend, a flat trend, or a falling trend.

Further, the processor 31 has a function of receiving a selection of a virtual currency to be used for payment among the available virtual currencies.
For example, the processor 31 receives an operation of selecting a virtual currency through the operation unit 37.

  In the example illustrated in FIG. 7, the processor 31 displays the icon 103. The icon 103 is composed of icons 103A to 103C.

  The icon 103 is an icon for accepting selection of virtual currency. The icon 103A receives the selection of "virtual currency A". The icon 103B receives the selection of "virtual currency B". The icon 103C receives the selection of "virtual currency C".

  The processor 31 receives one of the taps of the icons 103A to 103C, and receives selection of a virtual currency to be used for payment.

Further, the processor 31 has a function of designating, with respect to the POS terminal 20, a virtual currency to be used for settlement.
For example, the processor 31 generates selection information including an ID indicating the selected virtual currency. When the selection information is generated, the processor 31 transmits the generated selection information to the POS terminal 20 through the terminal communication unit 36.

Next, an operation example of the settlement system 1 will be described.
FIG. 8 is a sequence diagram for explaining an operation example of the settlement system 1. Here, it is assumed that the operator of the POS terminal 20 uses the POS terminal 20 to settle a product purchased by the user in virtual currency.

  First, the processor 21 of the POS terminal 20 determines the charge to be collected from the user (ACT 11). For example, the processor 21 reads the code from the commodity through the scanner 201. The processor 21 determines the price based on the code.

  After determining the charge, the processor 21 detects that the key signal of the virtual currency key of the operation unit 27 has been input (ACT 12).

Here, it is assumed that the user puts or places the user terminal 30 in a predetermined area.
When the operation is received, the processor 21 transmits the settleable currency list to the user terminal 30 through the terminal communication unit 26 (ACT 13).

  The processor 31 of the user terminal 30 receives the settleable currency list through the terminal communication unit 36. When receiving the settleable currency list, the processor 31 acquires the possessed currency list from the storage area 34a (ACT 14).

  After obtaining the possessed currency list, the processor 31 determines an available virtual currency based on the settleable currency list and the possessed currency list (ACT 15). After determining the available virtual currency, the processor 31 transmits a request for requesting currency information of the available virtual currency to the virtual currency server 10 through the server communication unit 35 (ACT 16).

  The processor 11 of the virtual currency server 10 receives the request. When receiving the request, the processor 11 transmits the currency information of the usable virtual currency to the user terminal 30 through the communication unit 15 (ACT 17).

  The processor 31 of the user terminal 30 receives the currency information of the available virtual currency through the server communication unit 35. When the currency information is received, the processor 31 displays the received currency information as shown in FIG. 7 on the display unit 38 (ACT 18). When the currency information is displayed, the processor 31 receives from the user the selection of a virtual currency to be used for settlement among the available virtual currencies (ACT 19).

  When the selection of the virtual currency is received, the processor 31 transmits selection information indicating the selected virtual currency to the POS terminal 20 through the terminal communication unit 36 (ACT 20).

  In addition, processor 31 may request selection operation again, when the amount of money of virtual currency runs short. For example, the processor 31 acquires payment information from the POS terminal 20. The processor 31 determines whether the amount of the virtual currency is insufficient based on the payment information. Also, the processor 31 may receive a signal indicating that the amount of money of the virtual currency runs short after transmitting the selection information to the POS terminal 20.

  The processor 21 of the POS terminal 20 receives the selection information through the terminal communication unit 26. When the selection information is received, the processor 21 transmits a remittance request for transferring the virtual currency indicated by the selection information from the user's account to a predetermined account to the virtual currency server 10 through the server communication unit 25 (ACT 21).

  The processor 11 of the virtual currency server 10 receives the remittance request through the communication unit 15. When receiving the remittance request, the processor 11 remits the virtual currency according to the remittance request (ACT 22).

  After remittance of the virtual currency, the processor 11 transmits remittance information indicating the remitted virtual currency, the number and the like to the POS terminal 20 through the communication unit 15 (ACT 23).

  The processor 21 of the POS terminal 20 receives the remittance information through the server communication unit 25. When the remittance information is received, the processor 21 performs a settlement process based on the remittance information (ACT 24). For example, if there is a difference between the determined price and the amount of the remittance virtual currency, the processor 21 releases the difference as a change.

After performing the settlement process, the processor 21 prints a receipt including the product, the price, the virtual currency used for the settlement, the number of virtual currency, and the like (ACT 25).
When the processor 21 prints a receipt, the settlement system 1 ends the operation.

In addition, when there is only one available virtual currency, the processor 31 of the user terminal 30 may receive a selection as to whether or not to make a payment with the available virtual currency.
Also, the processor 31 may display part of the currency information.
Also, the processor 31 may cause the external device (for example, a wearable terminal or the like) to display the currency information.

  Further, the settlement system 1 may include a virtual currency server for each virtual currency. In this case, the processor 31 of the user terminal 30 acquires the currency information of the virtual currency from the virtual currency server of the virtual currency. Also, the processor 21 of the POS terminal 20 transmits a remittance request to the virtual currency server of the virtual currency used for settlement.

  In addition, the settlement system 1 may include a first virtual currency server that provides currency information, and a second virtual currency server that performs remittance processing. In this case, the processor 31 of the user terminal 30 acquires currency information from the first virtual currency server. Also, the processor 21 of the POS terminal 20 sends a remittance request to the second virtual currency server.

  The settlement system configured as described above specifies, at the time of settlement of the virtual currency, the usable virtual currency from the virtual currency which can be settled by the POS terminal 20 and the virtual currency which the user possesses. The payment system obtains the available virtual currency currency information and presents it to the user. As a result, the settlement system can present, to the user, the operation status and the like of the available virtual currency at the time of settlement in the virtual currency.

  Further, the settlement system receives from the user a selection of a virtual currency to be used for settlement among available virtual currencies. As a result, the settlement system can receive the selection of the virtual currency to be used for the settlement from the user who grasped the operation status of each virtual currency.

  While certain embodiments of the present invention have been described, these embodiments have been presented by way of example only, and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, substitutions, and modifications can be made without departing from the scope of the invention. These embodiments and modifications thereof are included in the scope and the gist of the invention, and are included in the invention described in the claims and the equivalent scope thereof.

  DESCRIPTION OF SYMBOLS 1 ... Settlement system, 10 ... Virtual currency server, 20 ... POS terminal, 21 ... Processor, 24 ... NVM, 25 ... Server communication part, 26 ... Terminal communication part, 30 ... User terminal, 31 ... Processor, 34 ... NVM, 35 ... Server communication unit, 36 ... Terminal communication unit, 38 ... Display unit, 101 (101A to C) ... Display area, 102 (102A to C) ... Display area, 103 (103A to C) ... Icon, 201 ... Scanner.

Claims (5)

A program executed by an information processing apparatus having a communication unit for communicating with a payment terminal and a processor,
In the processor,
Receiving information of a virtual currency that can be settled by the transaction of the settlement terminal via the communication unit,
Receiving the currency information about price fluctuation of the virtual currency;
Displaying the currency information on a display device;
program. In the processor,
Have possession information showing the virtual currency possessed by the user,
Receiving the currency information of an available virtual currency possessed by the user and settleable at the payment terminal;
The program according to claim 1. Allowing selection of a virtual currency to be used for settlement from the available virtual currency,
Causing the payment terminal to transmit selection information indicating the selected virtual currency;
The program according to claim 2. The currency information includes either a valuation or graph of a virtual currency,
The program according to any one of claims 1 to 3. It is a settlement terminal that settles products, and
A communication unit that transmits and receives data to and from the user terminal;
Sending, to the user terminal, payment available information indicating a virtual currency that can be settled at the payment terminal through the communication unit;
Receiving selection information indicating a virtual currency to be used for settlement through the communication unit;
Settlement the product using the virtual currency indicated by the selection information;
A control unit,
A payment terminal comprising