JP2021117957A - Point exchange method, point exchange system, and program - Google Patents

Abstract

To provide a novel point exchange method and point exchange system that can vitalize international point exchange via a communication line.SOLUTION: A point exchange system includes: a user terminal that is used by a user; and a management server that manages key points capable of being exchanged for two or more types of first points in a first country and second points in a second country. The management server is connected to an exchange rate providing system via a communication line, and includes means for applying an exchange rate obtained from the exchange rate providing system to the second points when exchanging the second points for the key points via the user terminal.SELECTED DRAWING: Figure 1

Description

The present invention relates to a point exchange method for exchanging points, a point exchange system, or a program applied thereto.

In commercial transactions using user terminals such as smartphones and mobile phones, points are given when purchasing products. In recent years, the types of points have increased, and points have been exchanged between different points. Recently, points based on the second currency have been calculated from points based on the first currency based on the exchange rate. A system for issuing points is being studied (Patent Document 1).
However, building a global point system with one brand required a huge investment, was inflexible, and was not commercially satisfactory. Further, for example, when the user is an overseas tourist or the like, there is a problem that it is difficult to use the points because the circumstances of the destination country are not well understood.

Japanese Unexamined Patent Publication No. 2009-211473

An object of the present invention is to provide a novel point exchange method and point exchange system capable of activating international point exchange via a communication line.

As a result of diligent studies to achieve the above object, the present inventors have prepared a basic point that can be exchanged for two or more types of first points in a first country, which is a point exchange method. By constructing a point exchange system so that the second point of the second country can be exchanged by applying the exchange rate, for example, when the user (user) is an overseas tourist, It was discovered that even if the circumstances of the destination country are not well understood, the points owned by tourists can be easily utilized at the travel destination, and such a point exchange method and point exchange system can solve the above-mentioned conventional problems at once. I found that it can be solved.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] In the point exchange method, a pivot point that can be exchanged for two or more types of first points in the first country is prepared, and the base point and the second point in the second country are exchanged. A point exchange method characterized by applying an exchange rate for exchange.
[2] The point exchange method according to the above [1], wherein the base point is exchanged with the second point, and then the base point is exchanged with the first point.
[3] The point exchange method according to the above [1] or [2], wherein the second point is two or more types of points.
[4] The point exchange method according to any one of [1] to [3] above, which uses a blockchain.
[5] A user terminal used by the user, a management server that manages two or more types of first points in the first country and a key point that can be exchanged for the second point in the second country, respectively. The management server is connected to the exchange rate providing system via a communication line, and when the second point is exchanged for the base point via the user terminal, the exchange rate providing system is provided. A point exchange system comprising means for applying the exchange rate obtained from the above to the second point.
[6] The point exchange system according to the above [5], wherein the communication line includes a telephone network or an Internet network.
[7] The point exchange system according to the above [5] or [6], wherein the second point is two or more types of points.
[8] The point exchange system according to any one of [5] to [7], further comprising means for exchanging the base point for the first point via the user terminal.
[9] The point exchange system according to any one of [5] to [8], further comprising means using a blockchain for managing the basic point.
[10] A management server that can connect to a database that manages transaction information related to point transactions on the blockchain can be used as a key point that can be exchanged for two or more types of first points in the first country. A program that allows the second point to function as a means of exchanging using exchange rates.

According to the present invention, it is possible to activate the exchange of international points via a communication line.

It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of the preferable system structure of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of the system structure of the user terminal preferably used in the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure explaining an example of the structure of the blockchain which is preferably used in the point exchange system of this invention. It is a figure which shows an example of the customer information master preferably used in the point exchange system of this invention. It is a figure which shows an example of the exchange condition master preferably used in the point exchange system of this invention. It is a figure which shows an example of the point information master preferably used in the point exchange system of this invention. It is a figure which shows an example of the transaction history master preferably used in the point exchange system of this invention. It is a figure which shows an example of the exchange rate master preferably used in the point exchange system of this invention.

In the point exchange method of the present invention, a key point that can be exchanged for two or more types of first points in the first country is prepared, and the base point and the second point in the second country are exchanged at an exchange rate. It is characterized by applying and replacing. In addition, the point exchange system of the present invention is a key point that can be exchanged for a user terminal used by a user, two or more types of first points in a first country, and a second point in a second country, respectively. The management server is connected to the exchange rate providing system via a communication line, and when the second point is exchanged for the basic point via the user terminal. In addition, it is characterized in that it is provided with means for applying the exchange rate obtained from the exchange rate providing system to the second point.

In the present invention, it is preferable to exchange the basic axis point with the first point after exchanging the basic axis point with the second point. Further, it is preferable that the second point is two or more types of points. Moreover, it is preferable to use a blockchain. Further, it is preferable that the point exchange system further includes means for exchanging the base point for the first point via the user terminal, and further includes means for using a blockchain for managing the base point. Is also preferable. According to such a preferred embodiment, international point exchange can be performed more easily and safely.

The "point" is not particularly limited as long as it does not interfere with the object of the present invention, and may be a known point given or the like in a commercial transaction.
The "user" is also called a user and may be a person who can exchange points, and may be a corporation or various organizations as well as a natural person.
The "communication line" is not particularly limited, and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an Internet network because bidirectional communication can be performed. ..

FIG. 1 is a diagram showing an example of a public embodiment of the point exchange system of the present invention, and schematically shows a display screen of a mobile application. The user who uses the point exchange system logs in by entering the ID and password on the login screen 1. The ID and password are registered in advance, but if the user has not registered the ID and password, pressing the sign-up button opens the ID and password registration screen. ing.

On the home screen 2 after login, the balance of the basic points is displayed, and further, the news / notification button, the button for using the basic points, the button for exchanging the basic points, the button for exchanging from the basic points, and the button for purchasing the basic points are displayed. Has been done. Then, when the button for using the basic axis point is pressed, the screen moves to the QR code display screen 3 for using the basic axis point, and the basic axis point is attached to the use by scanning the QR code at a store or the like where the basic axis code can be used. NS. Further, when the exchange button for the basic axis point is pressed, the screen 4 for exchanging for the basic axis point is displayed, and the points to be exchanged for the basic axis point are displayed in a selectable manner. Here, not only the registered points but also the unregistered points that are candidates can be displayed in a selectable manner, and when the points are selected, the points can be transferred to the registration screen of the points. Further, when the exchange button from the basic axis point is pressed, the screen 5 is displayed for exchanging from the basic axis point, and the points to be exchanged with the basic axis point are displayed in a selectable manner. Here, not only the registered points but also the unregistered points that are candidates can be displayed in a selectable manner, and when the points are selected, the points can be transferred to the registration screen of the points. Further, when the purchase button of the basic point is pressed, the screen 6 for purchasing the basic point is displayed, and the credit card information can be input to purchase the basic point with a credit card.

As a preferred embodiment, the point exchange system of the present invention manages the user terminal 11, the pivot point management server 12, and the first point (A1) of the first country (country A), as shown in FIG. Point management server 13, point management server 14 that manages the first point (A2) of the first country (country A), point management server 15 that manages the second point of the second country (country B), and The exchange rate providing system is connected so as to be able to communicate via the communication line 18, and can be managed by the blockchain. Hereinafter, the use of the basic axis point, the exchange to the basic axis point, the exchange from the basic axis point, and the purchase of the basic axis point will be described more specifically with reference to the drawings, but the present invention is limited to these matters. is not it.

FIG. 3 is a diagram schematically showing a usage mode of the pivot point. For example, a user 111 who has traveled from country B to country A uses the user terminal 11 to display a QR code display screen 11a for using the key point, and the key point of country A can be used. The key point can be used by scanning the QR code at the store terminal 121 of the store 120. If the country A has a key point settlement machine 130, the key points can be exchanged for the currency of the country A, for example, by scanning the QR code. In the present invention, the user terminal 11, the store terminal 121, and the checkout machine 130 are each communicably connected to the key point management server 12 via a communication line, and the key point exchange history and the like are recorded in the blockchain 19. It is preferable that it is managed using.

As shown in FIG. 4, the user terminal 11 includes a storage unit 1101, a processing unit 1102, an input unit 1103, and an output unit 1104. That is, the user terminal 11 has a basic configuration of a server and a computer, and can be a smartphone, a PC, a tablet terminal, a mobile phone, or the like. The user terminal 11 functions as an SPV client that partially receives blockchain data from the key point management server 12 and processes it.

The processing unit 1102 includes means for performing arithmetic processing such as a CPU. By executing the point exchange program or the like stored in the storage unit 1101, the processing unit 1102 realizes the processing related to the point exchange or the like in the present embodiment. The storage unit 1101 includes storage means such as a semiconductor memory and a hard disk. The storage unit 1101 is accessiblely connected to the processing unit 1102 and stores data and the like to be used for various processes. The input unit 1103 includes means for inputting information to the user terminal 11. The input unit 1103 includes, for example, a touch panel or keyboard that receives input from the user. In addition, the input unit 1103 includes a network interface or the like that receives information from the outside of the user, and receives data to be processed. The output unit 1104 includes means for outputting the information processed by the user terminal 11. The output unit 1104 includes, for example, a display that presents an image to the administrator. Further, the output unit 1104 includes a network interface and the like for transmitting information and the like to the outside of the user terminal 11 via the communication line 18.

Further, preferably, the key point management server 12 is a customer information master which is a database of customer information, a point information master which is a database of point information, a transaction history master which is a database of transaction history, and an exchange which is a database of exchange rates. It has a rate master as a storage means. The customer information master includes, for example, a user ID, a name / name, an email address, an account number, a password, an address, a telephone number, a credit card information, and the like. The customer information master is shown in FIG. 9, for example. Examples include those that are used. The exchange condition master includes, for example, an exchange source point, an exchange destination point, an exchange rate, and other exchange conditions, and examples of the exchange condition master include those shown in FIG. The point information master includes, for example, an issue date, a user ID, the number of points, accumulated points, and the like, and examples of the point information master include those shown in FIG. The transaction history master includes, for example, a date and time of use, a user ID, points, transaction details, and the like, and examples of the transaction history master include those shown in FIG. The exchange rate master includes, for example, the date and time and the exchange rate of the corresponding country, and examples of the exchange rate master include those shown in FIG.
The key point management server 12 functions as a full node server that holds all the data of the blockchain that manages the exchange (transaction) of the base points. The key point management server 12 performs a process of managing the exchange history of the base points with the user terminal 11 or the like via the communication line 18. The key point management server 12 stores and manages the transaction history of the key point exchange as a database by using, for example, a blockchain method. The transaction history database is shared (stored in each storage means) in the key point management server 12, the user terminal 11, and the like.

FIG. 5 is a diagram schematically showing a mode of exchanging for a base point, and is a diagram showing a user terminal 11 used by a user, two or more types of first points in a first country, and a second country. A key point management server 12 that manages a base point that can be exchanged with a second point is provided, and the management server is connected to an exchange rate providing system 20 via a communication line 18 and is a user terminal. A point exchange system including a means for applying an exchange rate obtained from the exchange rate providing system 20 to the second point when exchanging the second point for the base point via 11 is shown. For example, a user who holds a second point in country B uses the user terminal 11 to execute a point exchange program stored in the user terminal 11 to perform a process related to exchange for a key point. conduct. As a suitable point exchange program, for example, a management server that can connect to a database that manages transaction information related to point transactions on the blockchain 19 can be exchanged for two or more types of first points in the first country. As a point, there is a program that functions as a means for exchanging the second point of the second country by using the exchange rate from the exchange rate providing system. The second point management server 15 preferably uses a customer information master, which is a database of customer information, a point information master, which is a database of second point information, and a transaction history master, which is a database of transaction history, as storage means. Have. Here, the customer information master, the point information master, and the transaction history master may be the same as described above. The key point management server 12 and the second point management server 15 store and manage the transaction history of the exchange between the base point and the second point as a database by using, for example, a blockchain method. The transaction history database is shared (stored in each storage means) by the key point management server 12, the second point management server 15, the user terminal 11, and the like.

FIG. 6 is a diagram schematically showing a mode of exchanging from the basic point to the first point, and the user terminal 11, the basic point management server 12, the first point (A1) management server 13, and the like. A first point (A2) management server 14 is provided, and each is connected via a communication line 18. For example, a user who has a key point that has come from country B to country A can use the user terminal 11 to execute a point exchange program stored in the user terminal 11 to perform the first point from the base point. Processes for exchanging points (A1, A2). The first point management servers 13 and 14 preferably store a customer information master which is a database of customer information, a point information master which is a database of the first point information, and a transaction history master which is a database of transaction history. Have in the means. Here, the customer information master, the point information master, and the transaction history master may be the same as described above. The key point management server 12, the first point (A1) management server 13, and the first point (A2) management server 14 are, for example, a key point and a first point using a blockchain method. The transaction history of exchanges with (A1 and A2) is stored and managed as a database. The transaction history database is shared (stored in each storage means) by the key point management server 12, the first point (A1) management server 13, the first point (A2) management server 14, the user terminal 11, and the like. .. With this configuration, as shown in FIG. 7, the user 111 can exchange the pivot point for the first point (A1, A2) at any time in country A, so that the A1 point dealer 131 Then, A1 points can be used, and A2 points can be used at any time at the A2 point dealer 141.

Here, a blockchain preferably used in the present invention will be described. The block acts as a transaction database that contains information about the exchange of points. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 8, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not managed only by the server, but is verified and added by the user terminal or the like.

A transaction is data that records the exchange of points. A transaction includes input information and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of the points to be traded (identification information for identifying the transaction (transaction hash value, array number, etc.)) and the user. Contains information to prove that the player owns the point (such as a script that meets the conditions for using the output). The output information includes information such as the type and number of exchanged points, a script for using the exchanged points at the address specifying the exchange destination, and the like.

The point redemption method, point redemption system and program of the present invention can be used for international point redemption.

1 Login screen 2 Home screen 3 QR code display screen 4 Replacement screen for the base point 5 Replacement screen from the base point 6 Purchase screen for the base point 11 User terminal 11a QR code display screen 12 Base point management server 13 A Country point (A1) management server 14 Country A point (A2) management server 15 Country B point management server 18 Communication line 19 Blockchain 20 Exchange rate provision system 111 User 120 Store 121 Store terminal 130 Settlement machine 131 A1 point Dealer 141 A2 Point Dealer 1101 Storage 1102 Processing 1103 Input 1104 Output

Claims (10)

It is a point exchange method, in which a key point that can be exchanged for two or more types of first points in the first country is prepared, and the key point and the second point in the second country are exchanged at an exchange rate. A point exchange method characterized by applying and exchanging. The point exchange method according to claim 1, wherein the base point is exchanged with the second point, and then the base point is exchanged with the first point. The point exchange method according to claim 1 or 2, wherein the second point is two or more types of points. The point exchange method according to any one of claims 1 to 3 using a blockchain. It is equipped with a user terminal used by the user and a management server that manages two or more types of first points in the first country and a key point that can be exchanged for the second point in the second country. The management server is connected to the exchange rate providing system via a communication line, and is obtained from the exchange rate providing system when exchanging the second point for the base point via the user terminal. A point exchange system comprising means for applying an exchange rate to the second point. The point exchange system according to claim 5, wherein the communication line includes a telephone network or an Internet network. The point exchange system according to claim 5 or 6, wherein the second point is two or more types of points. The point exchange system according to any one of claims 5 to 7, further comprising means for exchanging the basic point for the first point via the user terminal. The point exchange system according to any one of claims 5 to 8, further comprising a means for using a blockchain for managing the pivot points. A management server that can connect to a database that manages transaction information related to point transactions on the blockchain can be used as a key point that can be exchanged for two or more types of first points in the first country, and a second in the second country. A program that allows points to function as a means of exchanging points using exchange rates.

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