JP2021165955A - Money exchanger, transaction management system, and program - Google Patents

Abstract

To provide a new and useful money exchanger and transaction management system that can easily and simply cash privilege and charge with cash.SOLUTION: In a transaction management system in which a transaction management server 10 of a currency exchange company and a money exchanger 100 are communicatively connected to each other via a communication line, the money exchanger 100 is communicatively connected to a privilege information management server 12 of a privilege issuer. The money exchanger 100 is a money exchanger that allows a user to exchange a first currency deposited by the user for a second currency of any type set by the user and withdraw it, stores an exchange rate at which privilege can be exchanged for the first or second currency, exchanges the privilege for the first or second currency, and performs information processing with each of the transaction management server and the privilege information management server 12.SELECTED DRAWING: Figure 2

Description

The present invention relates to change machines, transaction management systems or programs applied thereto.

Conventionally, various transactions have been carried out using a trading terminal. For example, when obtaining different currencies, a foreign currency exchange machine for exchanging banknotes and coins is used. In this foreign currency exchange machine, an automatic securities exchange machine that considers the operability of the user is also being studied, and recently, an exchange machine that supports transactions using images of the user is also being considered (Patent Documents). 1).

By the way, conventionally, points have been given at the time of purchasing a product or the like. In recent years, points usually have an expiration date, so a system for exchanging points for another point for the purpose of substantially extending the expiration date or a cashing system that applies a conversion rate according to the remaining period of the expiration date. Etc. have been studied (Patent Document 2).
In addition, a system or the like configured so that points and money can be exchanged on a management server of a financial institution using electronic money or a dedicated account for points is also being studied (Patent Document 3). According to such a system, transactions via ATMs are also expected, but points will be exchanged between cash on the management server of the bank, while point issuers will cash in according to the number of points. Since the processing is performed, there are problems such as a time lag in the subtraction processing of the point information and a situation in which the application processing becomes difficult, and the processing is not always satisfactory. In addition, when cashing points or charging with cash, it is necessary to obtain the exchange rate from the management server of the financial institution or point issuer, present it to the user (user), and confirm it. There was also the hassle of checking the exchange rate one by one.
Therefore, there has been a long-awaited measure that makes it easier to cash points and charge with cash.

Japanese Unexamined Patent Publication No. 2019-61517 JP-A-2002-203163 JP-A-2009-9315

An object of the present invention is to provide a new and useful money changer and transaction management system that can easily and easily monetize benefits and charge with cash.

As a result of diligent studies to achieve the above object, the present inventors are a currency exchange machine that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws it. , A money changer that stores the exchange rate that can be exchanged from the award to the first currency or the second currency and has a means for trading the award can easily and easily cash the award. We found that it is possible to charge with cash, and found that such a money changer and transaction management system can solve the above-mentioned conventional problems at once.
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] A money changer that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws the first currency or the second currency from the privilege. A money changer that stores a money exchange rate that can be exchanged for money and is provided with a means for trading the above-mentioned benefits.
[2] The money changer according to the above [1], wherein the privilege is a point.
[3] The change machine according to the above [1] or [2], which is connected to the privilege information management server of the privilege issuer so as to be able to communicate with the privilege information management server.
[4] The money changer according to any one of [1] to [3], wherein the exchange rate is a variable rate.
[5] The money changer according to any one of the above [1] to [4], which has a means for withdrawing the money.
[6] The money changer according to any one of the above [1] to [5], which has a means for depositing the money.
[7] The money changer according to any one of the above [1] to [6], which has a means for acquiring the privilege information of the privilege.
[8] The money changer according to [7], wherein the privilege information is acquired by reading a barcode.
[9] The money changer according to [7], wherein the privilege information is acquired by reading a two-dimensional code.
[10] The money changer according to [7], wherein the privilege information is acquired by reading the privilege card of the privilege.
[11] A transaction management system in which a money changer's transaction management server and a money changer are communicably connected via a communication line, and the money changer can communicate with the money information management server of the money issuer. The change machine is a change machine that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws the first currency from the privilege. Alternatively, an exchange rate that can be exchanged for the second currency is stored, and the privilege is exchanged for the first currency or the second currency for information processing between the transaction management server and the privilege information management server. A transaction management system characterized by performing each of the above.
[12] The transaction management system according to any one of the above [11], wherein the privilege information management server includes means for using a blockchain for managing the privilege information.
[13] The transaction management system according to the above [11] or [12], wherein the privilege is a point.
[14] The transaction management system according to any one of the above [11] to [13], wherein the exchange rate is a variable rate.
[15] The transaction management system according to the above [14], wherein the fluctuation rate is an exchange rate updated by the privilege information management server.
[16] Any of the above [11] to [15], wherein the money changer has a means for storing the exchange rate updated based on the update information when the exchange rate update information is received from the privilege information management server. Transaction management system described in.
[17] The privilege information management server has means for subtracting the privilege of the user based on the withdrawal request information after receiving the withdrawal request information of the user from the exchange machine. The transaction management system according to any one of [16].
[18] The privilege information management server has means for adding and processing the privilege of the user based on the withdrawal request information after receiving the payment request information of the user from the exchange machine. 17] The transaction management system according to any one of.
[19] The transaction management system according to the above [17], wherein the privilege information management server has a means for storing the deducted privilege as expired privilege information.
[20] A money changer that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws it is exchanged for the first currency or the second currency from the privilege. A program that functions as a means for exchanging the privilege with the first currency or the second currency using a possible exchange rate.

The money changer and transaction management system of the present invention can easily and easily monetize benefits and charge with cash.

It is a figure which shows an example of a preferable embodiment of the change machine of this invention. It is a figure which shows typically an example of a preferable embodiment of the transaction management system of this invention. It is a figure which shows an example of the functional element of the preferable internal system composition of the change machine of this invention schematically. It is a figure which shows typically the information processing flow of cash withdrawal which is carried out preferably in the transaction management system of this invention. It is a figure which shows typically the flowchart of the cash withdrawal which is carried out preferably in the transaction management system of this invention. It is a figure which shows typically the information processing flow of the cash charge for the privilege which is carried out preferably in the transaction management system of this invention. It is a figure which shows typically the flowchart of the cash charge for the privilege which is carried out preferably in the transaction management system of this invention. It is a figure explaining an example of the structure of the blockchain which is preferably used in the transaction management system of this invention.

The money changer of the present invention is a money changer that exchanges the first money deposited by the user for a second money of any kind set by the user and withdraws the first money or the first money from the privilege. It is characterized in that it stores an exchange rate that can be exchanged for a second currency and is provided with a means for trading the above-mentioned award.

The "privilege" may be a known privilege given in a product or service without limitation as long as the object of the present invention is not impaired. Examples of the privilege include a privilege used for exchanging a prize (for example, points) and a privilege used for payment of a voting ticket (for example, a discount or a discount). In the present invention, it is preferable that the above-mentioned privilege is a point. 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. It may or may not have an expiration date.

"Money" refers to any medium that can be exchanged for some value, and examples of the currency include, but are not limited to, banknotes, coins, exchanges, cashier checks, and various other currencies (including digital currencies). ) Is also included. In the present invention, it is preferable that the currency is a currency approved or issued by the government because transaction management by the money changer becomes easier.

As the change machine, for example, an automatic change machine and the like can be mentioned as a preferable example. The change machine may be a money changer arranged at an airport, a financial institution such as a bank, an accommodation facility such as a hotel or a guest house, a tourist spot or a theme park, or an event such as an exhibition or an exhibition.
In the present invention, it is preferable that the money changer has a means for withdrawing the money. Further, it is preferable that the money changer has a means for depositing the money. According to such a preferred embodiment, not only the user but also the money changer and the award issuer of the money changer can more easily and easily promote the utilization of the award.

FIG. 1 is a front schematic view showing the appearance of a money changer, which is an example of a preferred embodiment of the present invention. The change machine 100 of FIG. 1 preferably includes a touch panel display 121, a card reading unit 123a, a privilege information reading unit 123b, a code reading unit 123c, a form output mechanism 124, a bill storage mechanism 125a, a coin storage mechanism 125b, and a bill outlet. It is equipped with 127a, a coin outlet 127b, and the like. The money changer 100 may be configured to have a built-in camera so that the user's face and upper body can be photographed. In addition, the user may be provided with an intercom for making a direct call with an operator in a store or a call center via a dedicated line at the time of a transaction. Further, a control device is housed inside the money changer 100, and a cash storage box or the like that stores money such as banknotes for each type is housed in the lower part (not shown).

The change machine is preferably connected to the transaction management server of the exchange company via a communication line (preferably a dedicated line) as shown in FIG. 2, and constitutes a part of the transaction system. Examples of the transaction management server include a currency exchange transaction management system host computer and the like. The exchange transaction management system host computer is a computer that manages the balance of the number of tickets, etc. based on the exchange transactions (transactions) of various exchange companies, and is connected to the control system computer of the exchange company via a communication line. sell. Further, in the present invention, it is preferable that the change machine is communicably connected to the privilege information management server of the privilege issuer via a communication line because the transaction management of the privilege can be facilitated. Examples of the privilege information management server include a privilege information management system host computer and the like. The privilege information management system host computer is a computer that manages the balance of benefits held by the user based on the privilege transactions (transactions) of various users, and is controlled by the privilege issuer via a communication line. Can be connected to a system computer.

Hereinafter, the change machine 100 of FIG. 1 will be described in more detail, but the present invention is not limited to these modes, and can be applied to various modes.

The touch panel display 121 has a screen for displaying operation guidance and necessary information in a currency exchange transaction, and a touch sensor for receiving input by a user's touch operation according to the content displayed on the screen. The numeric keypad 122 comprises a plurality of buttons operated by the user, and is used in place of the touch panel display 121 or as an auxiliary input means thereof.

The card reading unit 123a magnetically or electrically reads the privilege information from the privilege card of the privilege. The card reading unit 123a has a slot unit, and includes a card reading mechanism (not shown) that communicates with the slot unit and is provided inside. The slot portion is arranged near the screen of the touch panel display 121. After the award transaction is completed, the card reading unit 123a ejects the card and returns it to the user. The card reading unit 123a has, for example, a sensor (not shown) in the slot unit, and when it detects that a card has been inserted, it drives a transport roller to pull the card to a predetermined position and store it in the card. Read the card information about the user, etc. The card may be of a magnetic type or an IC type. In FIG. 1, the card reading unit 123a is arranged adjacent to the lower end portion of the screen of the touch panel display 121, but the present invention is not limited to this, and the card reading unit 123a may be arranged adjacent to the upper end portion of the screen, or left and right. It may be placed adjacent to either side end. When it is arranged adjacent to either the left or right side end portion, for example, the major axis direction may be arranged along the side end portion of the screen.

The privilege information reading unit 123b has a privilege card recognition unit that magnetically or electrically reads privilege information from the privilege card. The privilege card recognition unit may correspond to a contact type card (IC card, magnetic card), or in place of or in addition to the contact type card, a contactless type card (IC card). It may be the corresponding one. The code reading unit 123c has a scanner unit that optically reads, for example, a code (a bar code, a two-dimensional code such as a QR code (registered trademark), etc.) from a screen for displaying privilege information of a mobile application such as a smartphone. There is.

The form output mechanism 124 is configured to include a form printing mechanism, and when the transaction is completed, the transaction is printed on a recording paper as necessary, and this is output as a form (detailed form).

The bill storage mechanism 125a accepts, discriminates, counts, and accepts the cash of bills inserted by the user. Further, the coin storage mechanism 125b accepts, discriminates, counts, and accepts the cash of coins inserted by the user.

The banknote outlet 127a usually functions as a banknote outlet or a return port for returning inserted banknotes or items other than banknotes or coins (such as foreign currency that cannot be handled). Further, the coin outlet 127b usually functions as a coin outlet or a return port for returning inserted coins or banknotes or items other than coins (foreign currency that cannot be handled).

FIG. 3 is a block diagram showing functional elements of a money changer showing an example of a preferred embodiment of the present invention, showing the relationship between the elements of the money changer 200. Some functional elements, individually or in combination with others, can be associated with the members of the change machine 100 shown in FIG.

As shown in FIG. 3, the money changer 200 includes a CPU 210, a user interface unit 220, a privilege information acquisition unit 230, a form output unit 240, a cash accounting unit 250, a cash storage unit 260, a storage unit 270, and a conversion unit (inter-currency and). 280 (between privilege and currency), display unit 290, and communication control unit 300 are included. In the present invention, it is preferable that the money changer 200 functions as an SPV client that partially receives and processes blockchain data from the privilege information management server of the privilege issuer.

The CPU 210 includes means for performing arithmetic processing. The CPU 210 realizes processing related to various transactions and the like in the present embodiment by executing a program and the like stored in the storage unit 270. The storage unit 270 includes storage means such as a semiconductor memory and a hard disk. The storage unit 270 is accessiblely connected to the CPU 210 and stores data and the like to be used for various processes, and stores an exchange rate that can be exchanged for the money from the privilege. The user interface unit 220 includes means for the user to input information, and includes, for example, a touch panel and a keyboard for receiving input from the user, a numeric keypad, and the like. The privilege information acquisition unit 230 may receive data to be processed, including a network interface for receiving the privilege information of the user. The display unit 290 includes means for displaying an input selection screen or the like necessary for various transactions in the money changer. The display unit 290 includes, for example, a display device such as a liquid crystal display or a display panel. Further, the communication control unit 300 includes a network interface and the like for transmitting and receiving information and the like to the outside such as a transaction management server of a currency exchange company and a privilege information management server of a privilege issuer via a communication line. The user interface unit 220 and the display unit 290 may be separate bodies or may be configured as an integrated touch panel. The communication control unit 300 is, for example, a communication interface.

The form output unit 240 is configured to include a form printing mechanism, and when the transaction is completed, the transaction is printed on a recording paper as necessary, and this is output as a form (detailed form).

The cash accounting unit 250 delivers cash such as banknotes to and from the user. For example, when a user accepts a cash deposit, the cash accounting unit 250 discriminates and counts the deposited cash, obtains deposit information (for example, amount, cash voucher type and number of sheets), and deposits cash. Is transported to the cash storage unit 260. When the user receives a withdrawal instruction, the cash accounting unit 250 counts the cash taken out from the cash storage unit 260 and sets the cash in the take-out port.

The conversion unit 280 is based on the exchange rate such as the exchange rate for exchanging the first currency deposited by the user for the second currency of any kind set by the user, from the first currency to the above. In addition to calculating the value of the second currency, in the present invention, the value of money is calculated from the privilege based on the exchange rate (conversion rate) at which the privilege information is received and the privilege can be exchanged for money. The exchange rate may be a fixed rate or a variable rate. Further, when the money changer 200 acquires the update information regarding the exchange rate that can be exchanged for money from the privilege from the privilege information management server, the conversion unit 280 updates the exchange rate.

The transaction management system of the present invention is a transaction management system in which a transaction management server of an exchange company and an exchange machine are connected to each other so as to be able to communicate via a communication line, and the exchange machine is a privilege information management server of a privilege issuer. The money changer stores the exchangeable exchange rate that can be exchanged from the privilege to the currency, and exchanges the privilege into the currency to the transaction management server and the privilege information. It is characterized by performing information processing with the management server.

In the present invention, it is preferable that the privilege information management server includes means for using a blockchain for managing the privilege information. Further, it is preferable that the exchange rate is an exchange rate updated by the privilege information management server. Further, it is preferable that the money changer has a means for storing the exchange rate updated based on the update information when the exchange rate update information is received from the privilege information management server. Further, it is preferable that the privilege information management server has a means for subtracting the privilege of the user based on the withdrawal request information after receiving the withdrawal request information of the user from the exchange machine. It is more preferable to have a means for storing the deducted privilege as expired privilege information. Further, it is preferable that the privilege information management server has a means for adding and processing the privilege of the user based on the withdrawal request information after receiving the payment request information of the user from the exchange machine. According to such a preferable range, the burden on the award issuer, the exchange company and the user can be further reduced, and the utilization of the award can be further promoted.

The "exchange company" is not particularly limited as long as it provides a service for exchanging the first currency deposited by the user for the second currency of any kind set by the user.

The “privilege issuer” refers to a product / service provider that issues a privilege, and the privilege issuer includes, for example, a retail store, a supplier, a trader, an individual, or a service provider. In the present invention, it is also preferable that the privilege issuer is a privilege issuer who carries out the privilege issuance as a business.

The "user" is also referred to as a user, and may be a person who can use the benefits, and may be a corporation or various groups 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. .. Further, the communication line may be a dedicated line provided with communication restrictions.

As a preferred embodiment, the transaction management system of the present invention includes a money changer 100, a transaction management server 10 of a currency exchange company, a user terminal 11 of a user, and a privilege information management server 12 of a privilege issuer, as shown in FIG. It is connected so that it can communicate via the communication line 18, and can be managed by a blockchain. Hereinafter, the present invention will be described in more detail with reference to the drawings, but the present invention is not limited to these matters.

FIG. 2 is a diagram schematically showing a preferred embodiment of the transaction management system of the present invention. For example, the user uses the money changer 100 to, for example, withdraw cash of the privilege or charge cash of the privilege. The money changer 100 is provided with an automatic cash display means for the award, and is configured so that the user can withdraw the award in cash or charge the award in cash as if it were cash. Further, the exchange machine 100 is communicably connected to the privilege information management server 12 of the privilege issuer via the communication line 18, and is connected to the exchange machine 100 at the time of cash withdrawal of the privilege or cash charge of the privilege. By transmitting transaction information related to the privilege transaction to the privilege information management server 12, it is configured to support the deduction process of the privilege issuer. It is preferable that the award issuer and the exchange company conclude a member store contract for the award, a business consignment contract for deposits and withdrawals, and the like. Further, it is easier to manage the money changer 100 because it has a means for updating the exchange rate stored in the money changer 100 when receiving the update information of the exchange rate from the privilege information management server 12. Therefore, it is preferable.

FIG. 4 is a diagram schematically showing an information processing flow of cash withdrawal preferably carried out in the transaction management system of FIG. Further, FIG. 5 is a diagram schematically showing a flow chart of cash withdrawal preferably carried out in the transaction management system of FIG. 2. Such processing is executed by, for example, each function of the money changer 200 shown in FIG. 3 executing a predetermined program on the CPU. Hereinafter, preferred embodiments of the present invention will be described with reference to FIGS. 4 and 5.

During operation, the money changer 100 displays, for example, standby screen content prompting the user to insert a card on the screen of the user interface unit 220 as a menu screen, and monitors whether or not the card has been inserted by the user. (S201). Instead of always displaying the standby screen content, the screen of the user interface unit 220 may be turned off or put to sleep, and the standby screen content may be displayed by the reaction of a motion sensor or the like. When the money changer 100 detects that the privilege card has been inserted into the slot of the card reading unit 123a, the money changer 100 drives the transport roller to start the operation of pulling the card into a predetermined position, and the card reception screen is displayed on the screen. Display content and start trading. For example, in order to allow the user to select the content of the transaction, the transaction selection screen content is displayed on the screen as a transaction menu screen, and the transaction proceeds according to the input operation of the user. As each content of the transaction menu screen, for example, when the privilege is a point, "cash charge" to charge the point in cash, "cash withdrawal" to withdraw the point in cash, and "cash withdrawal" to confirm the balance of the point in cash. "Balance confirmation inquiry", "Point loan" to loan points in cash, "Point transfer" to transfer points to a third party, "Inquiry about the amount that can be withdrawn" to confirm the upper limit of the amount of points that can be withdrawn in cash, etc. ..

When the input selection operation by the user is completed, the money changer 100 transmits the transaction based on the privilege transaction requested to the privilege information management server 12, and receives the result. That is, the authentication process and the acquisition of privilege information are carried out (S202). More specifically, for example, the change machine 100 transmits the authentication information to the privilege information management server 12 (S101), and the privilege information management server 12 confirms the authentication regarding the suitability of the received authentication information (S102). After the authentication is confirmed, if there is no problem with the authentication information, the privilege information related to the privilege transaction is transmitted from the privilege information management server 12 to the change machine 100 (S103). After confirming the authentication, if there is a problem with the authentication information, the authentication error information is transmitted from the privilege information management server 12 to the exchange machine 100, and when the exchange machine 100 receives the authentication error information from the privilege information management server 12, an authentication error occurs. Is displayed, and an authentication error is displayed (S208).

The change machine 100 proceeds with the privilege transaction according to the result received from the privilege information management server 12. For example, when cash withdrawal is specified (S203), the privilege-cash conversion process is performed (S204), and a cash withdrawal screen such as an amount input or amount selection screen related to cash withdrawal is displayed (S205). More specifically, for example, if the award transaction is a cash withdrawal and the personal identification number (PIN) is correctly entered, the money changer 100 performs the award cash conversion process (S104) to the user. , Display a cash withdrawal screen asking how much cash to withdraw. When the user specifies the withdrawal amount and presses the confirmation button, the money changer 100 transmits a cash withdrawal request such as the withdrawal amount and the number of points corresponding to the withdrawal amount to the privilege information management server 12 (S105). When the privilege information management server 12 receives the cash withdrawal request, it confirms whether the withdrawal amount exceeds the number of points that can be withdrawn by using the stored conversion rate (S206), and checks the request contents (S206). S106). Then, if there is no problem with the content of the request, the privilege subtraction process corresponding to the withdrawal amount is performed (S107). The privilege information management server 12 transmits the check result to the change machine 100 after the privilege subtraction process (S108). As a result of checking whether the withdrawal amount exceeds the number of points that can be withdrawn using the stored conversion rate, if there is a problem such as exceeding the upper limit, the usage upper limit is displayed from the privilege information management server 12. When the excess error information is transmitted to the change machine 100 and the change machine 100 receives the usage limit excess error information from the privilege information management server 12, a screen showing the usage limit excess error is displayed and the usage limit excess error is displayed ( S209). It is preferable that the privilege information management server 12 stores the subtracted privilege after the privilege subtraction process as the revoked privilege information because the privilege management can be facilitated.

Further, the privilege information management server 12 transmits the subtraction processing result to the user terminal 11 after the privilege subtraction processing (S109). When the money changer 100 receives the check result from the privilege information management server 12, it performs cash withdrawal processing (S110, S207). For example, a specified amount of cash is discharged from the cash storage unit 260 to the cash accounting unit 250 so that the user can withdraw cash from the cash accounting unit 250. The cash withdrawal process may be performed after the user's card or form is discharged in order to prevent the user from forgetting to take the card or form. When the cash withdrawal process is completed, the money changer 100 transmits the withdrawal transaction information to the transaction management server 10 of the money changer (S111).

FIG. 6 is a diagram schematically showing an information processing flow of a cash charge preferably carried out in the transaction management system of FIG. Further, FIG. 7 is a diagram schematically showing a flowchart of a cash charge preferably carried out in the transaction management system of FIG. 2. Such processing is executed by, for example, each function of the money changer 200 shown in FIG. 3 executing a predetermined program on the CPU.

The change machine 100 displays a menu in the same manner as described above (S401). When the input selection operation by the user is completed, the transaction based on the requested privilege transaction is transmitted to the privilege information management server 12, and the result is received. That is, the authentication process and the acquisition of privilege information are carried out (S402). More specifically, for example, the change machine 100 transmits the authentication information to the privilege information management server 12 (S301), and the privilege information management server 12 confirms the authentication regarding the suitability of the received authentication information (S302). After the authentication is confirmed, if there is no problem with the authentication information, the privilege information related to the privilege transaction is transmitted from the privilege information management server 12 to the change machine 100 (S303). After confirming the authentication, if there is a problem with the authentication information, the authentication error information is transmitted from the privilege information management server 12 to the exchange machine 100, and when the exchange machine 100 receives the authentication error information from the privilege information management server 12, an authentication error occurs. Is displayed, and an authentication error is displayed (S408).

The change machine 100 proceeds with the privilege transaction according to the result received from the privilege information management server 12. For example, when a cash charge is specified (S403), when the user sets the cash in, for example, the cash accounting unit 250, the cash is read (S304). After the cash is read, the amount reading confirmation screen related to the cash charge is displayed (S404), and the privilege-cash conversion process is performed (S305, S405). The money changer 100 transmits a cash charge request such as a charge amount and the number of points corresponding to the charge amount to the privilege information management server 12 (S306). When the privilege information management server 12 receives the cash charge request, the privilege information management server 12 performs a privilege addition process corresponding to the charge amount (S307). The privilege information management server 12 transmits the processing result to the change machine 100 after the privilege addition processing (S308). The privilege information management server 12 confirms whether or not the validity period of the points is updated, and if it is updated, transmits the updated validity period information of the privilege to the money changer 100. When the money changer 100 receives the validity period information from the privilege information management server 12 (S406), the exchange machine 100 displays the updated validity period (S407).

Further, the privilege information management server 12 transmits the addition processing result to the user terminal 11 after the privilege addition processing (S309). When the money changer 100 receives the processing result from the privilege information management server 12, it transmits the payment transaction information to the money changer's transaction management server 10 (S310).

Here, a blockchain preferably used in the present invention will be described. In the present invention, the block functions as a transaction database containing information on benefits. 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 only managed by the server, but also verified and added by the user terminal 11 and the like.

A transaction is data that records award exchanges. A transaction includes input information and output information. The input information includes the output information of the transaction when the user who is the exchange source receives the exchange of the privilege to be traded (identification information for identifying the transaction (transaction hash value, array number, etc.)) and the user. Includes information to prove that you own the benefit (such as a script that meets the conditions for using the output). The output information includes information such as the type and number of redeemed benefits, a script for using the redeemed benefits at an address that specifies the exchange destination, and the like. With the above configuration, a money changer that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws it from the privilege is the first currency or the above. It can function as a means of exchanging the privilege for the first currency or the second currency using an exchange rate that can be exchanged for the second currency.

The money changer, transaction management system, or program applied thereto of the present invention is useful for utilizing the award, and is particularly available for cash withdrawal of the award or cash charge to the award.

10 Money changer transaction management server 11 User terminal 12 Benefit issuer privilege information management server 18 Communication line 100 Change machine 121 Touch panel display 123a Card reader 123b Bonus information reader 123c Code reader 124 Form output mechanism 125a Banknote storage mechanism 125b Coin storage mechanism 127a Banknote outlet 127b Coin outlet 200 Money changer 210 CPU
220 User interface unit 230 Benefit information acquisition unit 240 Form output unit 250 Cash accounting unit 260 Cash storage unit 270 Storage unit 280 Conversion unit 290 Display unit 300 Communication control unit

Claims (20)

A money changer that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws it, and can be exchanged for the first currency or the second currency from the privilege. A money changer that stores various exchange rates and is equipped with means for trading the above-mentioned benefits. The money changer according to claim 1, wherein the privilege is a point. The money changer according to claim 1 or 2, which is connected to the privilege information management server of the privilege issuer so as to be able to communicate with the privilege information management server. The change machine according to any one of claims 1 to 3, wherein the exchange rate is a variable rate. The money changer according to any one of claims 1 to 4, which has a means for withdrawing money. The money changer according to any one of claims 1 to 5, which has a means for depositing money. The money changer according to any one of claims 1 to 6, which has a means for acquiring privilege information of the privilege. The money changer according to claim 7, wherein the privilege information is acquired by reading a barcode. The money changer according to claim 7, wherein the privilege information is acquired by reading a two-dimensional code. The money changer according to claim 7, wherein the privilege information is acquired by reading the privilege card of the privilege. It is a transaction management system in which the transaction management server of the money changer and the money changer are communicably connected via a communication line, and the money changer is communicably connected to the money information management server of the money issuer. The change machine is a change machine that exchanges the first currency deposited by the user for a second currency of any kind set by the user and withdraws the first currency or the first currency from the privilege. The exchange rate that can be exchanged for 2 coins is stored, and the privilege is exchanged for the first currency or the second currency to perform information processing with the transaction management server and the privilege information management server, respectively. A transaction management system characterized by that. The transaction management system according to any one of claims 11, wherein the privilege information management server includes means for using a blockchain for managing the privilege information. The transaction management system according to claim 11 or 12, wherein the privilege is a point. The transaction management system according to any one of claims 11 to 13, wherein the exchange rate is a variable rate. The transaction management system according to claim 14, wherein the variable rate is an exchange rate updated by the privilege information management server. The transaction management system according to any one of claims 11 to 15, wherein the money changer has a means for storing the exchange rate updated based on the update information when the exchange rate update information is received from the privilege information management server. .. Any of claims 11 to 16, wherein the privilege information management server has a means for subtracting the privilege of the user based on the withdrawal request information after receiving the withdrawal request information of the user from the exchange machine. Transaction management system described in. According to any one of claims 11 to 17, the privilege information management server has a means for adding and processing the privilege of the user based on the withdrawal request information after receiving the payment request information of the user from the exchange machine. Described transaction management system. The transaction management system according to claim 17, wherein the privilege information management server has means for storing the deducted privilege as expired privilege information. An exchange that allows the exchange machine to exchange the first currency deposited by the user for a second currency of any kind set by the user and withdraw it from the privilege to the first currency or the second currency. A program that functions as a means for exchanging the privilege with the first currency or the second currency using a rate.

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