JP2022010537A - User terminal, privilege information management system, privilege information management method and program - Google Patents

Abstract

To provide a new and useful user terminal, privilege information management system and privilege information management method, capable of reducing a load for privilege management and promoting utilization of a privilege by a user.SOLUTION: A user terminal for a user at least includes a processing unit that issues a privilege that can be used by the user, a database for at least storing user information of the user and privilege information of the privilege. The user terminal including means for displaying a value amount of currency after exchange from the privilege to the currency to the user as the privilege information indicating a holding balance of the privilege, and means for recovering the holding balance of the privilege to subject it to processing of newly issuing the privilege from the value amount of the currency, is communicably connected to a privilege information management server that manages the privilege information that can be used by the user through a communication line to manage the privilege information.SELECTED DRAWING: Figure 1

Description

The present invention relates to a user terminal that handles benefits such as points, a privilege information management system that manages privilege information of the privilege, a privilege information management method, or a program applied thereto.

In commercial transactions using user terminals such as smartphones and mobile phones, points are given when purchasing products. And, in recent years, since points usually have an expiration date, a system for exchanging points for another point or a conversion rate according to the remaining period of the expiration date is applied for the purpose of substantially extending the expiration date. A cashing system or the like is being studied (Patent Document 1). However, this system also does not achieve the original purpose of the user to utilize the points, and also increases the burden of managing and operating the points, so that it is not always satisfactory.

By the way, in recent years, it has been considered not to set an expiration date for points, but since points do not expire, the burden on point issuers increases in managing points that need to be managed for each issue date. For example, as described in Patent Document 2, if the expiration date is simply eliminated, there is a problem that the financial burden on the point issuer increases. On the other hand, as described in Patent Document 2, studies are underway to utilize points with an expiration date to minimize the financial burden on the point issuer.
Under the above circumstances, points cannot be used for cash by users, so measures are taken to make the points easier to use without losing the opportunity to utilize the points. Was long-awaited, and measures were long-awaited to reduce the management burden on point issuers.

Japanese Unexamined Patent Publication No. 2002-203163 Japanese Unexamined Patent Publication No. 2020-27578

An object of the present invention is to provide a new and useful user terminal, a privilege information management system, and a privilege information management method that can reduce the burden of privilege management and promote the utilization of benefits by users.

As a result of diligent studies to achieve the above object, the present inventors have a processing unit for issuing a privilege that can be used by a user, and at least store the user information of the user and the privilege information of the privilege. A user terminal of the user having at least a database, and as the privilege information indicating the holding balance of the privilege, a means for displaying the value of the money after exchanging the privilege for money to the user. A user terminal having a means for collecting the holding balance of the privilege and subjecting it to a process of newly issuing the privilege from the value of the money further promotes the user's use of the privilege. In addition, it was found that the burden on the privilege issuer can be reduced and both the user and the privilege issuer can easily handle the privilege, and such a privilege information management system can solve the above-mentioned conventional problems at once. I found it to be a thing.
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] The user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user, and a database for storing at least the user information of the user and the privilege information of the privilege. hand,
As the privilege information indicating the holding balance of the privilege, there is a means for displaying the value of the currency after exchanging the privilege for money to the user.
Further, the user terminal is characterized by having a means for collecting the holding balance of the privilege and subjecting it to a process of newly issuing the privilege from the value of the money.
[2] The user terminal according to the above [1], which stores the exchange rate between the privilege and money and has a means for exchanging the privilege for the money based on the exchange rate.
[3] The user terminal according to the above [1] or [2], wherein the privilege is a privilege having an expiration date.
[4] The user terminal according to the above [3], wherein the validity period of the award is within 6 months from the issue date of the award.
[5] The user terminal according to any one of the above [1] to [4], wherein the currency is a digital currency.
[6] The user terminal according to any one of the above [1] to [5], which has a means for displaying the issue date and the issue amount of the newly issued privilege in advance.
[7] The user terminal according to the above [6], which has a means for storing the issue date and the issue amount as privilege information of a new privilege based on the user.
[8] The user terminal according to any one of the above [1] to [7], which has a means for displaying the transaction start screen of the privilege together with the value of the money.
[9] The user terminal according to any one of the above [1] to [8], which comprises a means for using a blockchain for managing the privilege information.
[10] The user terminal according to any one of the above [1] to [9], comprising a means for storing the exchanged privilege in the privilege information as a used privilege after exchanging the privilege for the currency.
[11] A privilege information management system in which a privilege information management server that manages privilege information that can be used by a user and a user terminal of the user are connected to each other so as to be able to communicate with each other via a communication line.
The privilege information management system, wherein the user terminal is the user terminal according to any one of the above [1] to [10].
[12] After collecting the holding balance of the privilege and subjecting it to the process of newly issuing the privilege from the value of the currency, the user terminal transfers the privilege information attached to the process to the privilege information management server. When the privilege information management server receives the transaction information from the user terminal, it collates with the privilege information held by the privilege information management server, and if they do not match, the privilege information The privilege information management system according to the above [11], which has means for updating.
[13] The privilege information management system according to the above [11] or [12], wherein the communication line includes a telephone network or an Internet network.
[14] Using the user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user and a database for storing at least the user information of the user and the privilege information of the privilege. In the method for managing the privilege information, the user terminal displays the value of the currency after exchanging the privilege for money as the privilege information indicating the holding balance of the privilege. Further, a privilege information management method comprising collecting the holding balance of the privilege and subjecting it to a process of newly issuing the privilege from the value of the money.
[15] A user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user and a database for storing at least the user information of the user and the privilege information of the privilege. As the privilege information indicating the holding balance of the privilege, the value of the currency after exchanging the privilege for money is displayed to the user, the holding balance of the privilege is collected, and the value of the money is used as the above. A program characterized by functioning as a means to attach to the process of newly issuing benefits.

According to the user terminal, the privilege information management system, and the privilege information management method of the present invention, the burden of privilege management can be reduced and the utilization of the privilege by the user can be promoted.

It is a figure which shows an example of a preferable embodiment of the user terminal of this invention. It is a figure which shows an example of another preferable embodiment of the privilege information management system of this invention. It is a figure which shows typically an example of the functional element of the preferable user terminal of this invention. It is a figure which shows typically an example of the functional information processing system configuration of the preferable user terminal of this invention. It is a figure explaining an example of the structure of the blockchain which is preferably used in the privilege information management system of this invention. It is a figure which shows an example of the privilege information master preferably used in the user terminal of this invention. It is a figure which shows an example of the information processing flow for acquiring privilege information preferably carried out in the user terminal of this invention. It is a figure which shows typically a preferable example of the transaction screen of the privilege displayed on the user terminal in this invention, and shows the transaction start screen of the privilege. It is a figure which shows typically a preferable example of the transaction screen of the privilege displayed on the user terminal in this invention, and shows the transaction screen when using the privilege.

The user terminal of the present invention includes at least a processing unit for issuing a privilege that can be used by the user, and at least a database for storing the user information of the user and the privilege information of the privilege. The user terminal has a means for displaying the value of the money after exchanging the privilege for money as the privilege information indicating the holding balance of the privilege, and further holds the privilege. It is characterized by having a means for collecting the balance and subjecting it to a process of newly issuing the privilege from the value of the money.

In the present invention, it is preferable that the user terminal stores the exchange rate between the privilege and the money, and has a means for exchanging the privilege for the money based on the exchange rate. Further, it is preferable that the privilege has an expiration date, and it is also preferable that the validity period of the privilege is within 6 months from the issue date of the privilege. According to such a preferable range, it is possible to further promote the utilization of the user's privilege. Further, it is preferable that the currency is a digital currency. According to such a preferable range, the burden of managing the benefits of the user can be further reduced. Further, in the present invention, it is preferable that the user terminal has a means for displaying the issue date and the issue amount of the newly issued privilege in advance, and the issue date and the issue amount are the new privilege. It is more preferable to have a means for storing the privilege information based on the user. Further, it is preferable that the user terminal has a means for displaying the transaction start screen of the privilege together with the value of the money, and it is also preferable to include a means for using a blockchain for managing the privilege information. Further, in the present invention, it is also preferable to provide a means for exchanging the privilege for the currency and then storing the exchanged privilege as a used privilege in the privilege information. According to such a preferable range, the user can more easily utilize the above-mentioned privilege, and is more convenient for the privilege having an expiration date while maintaining the promotion of early use of the privilege. Can be. In addition, it will be easier for the privilege issuer to manage the issued privilege.

Further, in the present invention, it is preferable that the user terminal and the privilege information management server that manages the privilege information of the privilege are communicably connected via a communication line to form a privilege information management system. Such a privilege information management system is also included in the present invention. In the present invention, after the privilege information management system collects the holding balance of the privilege and subject it to a process of newly issuing the privilege from the value of the currency, the user terminal is subjected to the process. The privilege information management server has a means for transmitting the privilege information to the privilege information management server, and when the privilege information management server receives the transaction information from the user terminal, the privilege information management server collates with the privilege information held by the privilege information management server. If they do not match, it is preferable to have a means for updating the privilege information. According to such a preferable range, it becomes easier for the privilege issuer to manage the privilege information of the issued privilege information by the user terminal without hindering the utilization of the privilege of the user.

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 or the like (for example, points) and a privilege used for payment of the ballot price (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. In the present invention, it is preferable that the points have an expiration date, and it is more preferable that the points have an expiration date of 6 months or less from the issue date.

"Money" refers to any medium that can be exchanged for any value, and examples of the currency include, but are not limited to, banknotes, coins, foreign exchange, cashier checks, and the like, and various 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 deposit / withdrawal device becomes easier.

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 "privilege issuer" refers to a product / service provider that issues a privilege, and examples of the privilege issuer include a retail store, a supplier, a trader, an individual, or a service provider. In the present invention, it is preferable that the privilege issuer is a privilege issuer who carries out the privilege issuance as a business.

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.

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. 1 is a diagram schematically showing a preferred embodiment of the user terminal of the present invention. The user terminal 11 has information communication means with the outside via the communication line 18, and it is preferable that the user terminal 11 is provided with means for using the blockchain 19 for managing the privilege information. When the user makes a privilege information acquisition request in order to confirm the holding balance of the privilege by using the user terminal 11, the user terminal 11 automatically monetizes the privilege of the user. In addition to the exchanged currency, information regarding the benefit when the benefit is issued from such currency is displayed.

FIG. 2 shows an example of another preferred embodiment of the privilege information management system of the present invention. In the privilege information management system of FIG. 2, the user terminal 11 and the privilege information management server 12 that manages the privilege information of the privilege are connected to each other via a communication line 18 so as to be communicable. Further, although not shown, the privilege information management server 12 receives the privilege information of the privilege when the user of the user is granted the privilege at the store, and stores the privilege information in the database unit in the privilege information management server 12. Update the privilege information you have. The user terminal 11 transmits the privilege information regarding the special exchange as transaction information to the privilege information management server 12, and when the privilege information management server 12 receives the transaction information from the user terminal 11, the privilege information management server 12 The privilege information held by the company is collated with the transaction information, and if they do not match, the privilege information held by the privilege information management server 12 is updated.

The user terminal 11 is not particularly limited as long as it is the user's terminal (for example, a computer (PC), a smartphone, a mobile phone, etc.), and may be a known one. Examples of the user terminal include those including a storage unit 1101, a processing unit 1102, an input unit 1103, an output unit 1104, a display unit 1105, and a communication unit 1106, as shown in FIG. .. That is, the user terminal is not particularly limited as long as it has a basic configuration of a server or a computer, and may be, for example, a smartphone, a PC, a tablet terminal, a mobile phone, or the like. For example, in the patent information management system shown in FIG. 2, it is preferable that the user terminal 11 functions as an SPV client that partially receives blockchain data from the privilege information management server 12 and processes it.

The processing unit 1102 includes means for performing arithmetic processing such as a CPU. The processing unit 1102 realizes the processing related to the privilege information management and the like in the present embodiment by executing the privilege information management program and the like stored in the storage unit 1101. 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 a keyboard that receives input from the user. Further, 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. The display unit 1105 is, for example, a display device such as a liquid crystal display or a display panel. The input unit 1103 and the display unit 1105 may be separate bodies or may be configured as an integrated touch panel. In the present invention, the input unit 1103, the output unit 1104, and the display unit 1105 may be collectively referred to as an "input / output display unit". Further, the communication unit 1106 is, for example, a communication interface.

Further, the user terminal 11 includes at least a processing unit for issuing a privilege that can be used by the user, and at least a database for storing the user information of the user and the privilege information of the privilege. The user terminal 11 stores the exchange rate between the privilege and money, and when the user requests to acquire the privilege information, the privilege is exchanged for the currency based on the exchange rate. It is preferable to have a means for newly issuing the privilege from the currency after displaying the value of the currency as the privilege information indicating the holding balance of the privilege. The exchange rate is not particularly limited, but is a coefficient multiplied by the award to be exchanged for the currency when the award is exchanged for the currency, and an exchange for the award when the currency is exchanged for the award. It may be a coefficient or the like to be multiplied by the currency, and may be a fixed rate or a variable rate. For example, when the privilege is a point and the currency is Japanese yen, any Japanese yen or the like between 1 point = 0.01 yen and 1,000,000 yen can be mentioned. , Preferably, 1 point = 0.01 yen to 100 yen. More specifically, for example, 1 point = 0.1 yen, 1 point = 1 yen, 1 point = 10 yen, or 1 point = 100 yen.

In the user terminal, the processing unit is a processing unit having at least a means for issuing a privilege that can be used by the user, and further stores the exchange rate between the privilege and money. When the user makes a request to acquire the privilege information, the privilege is exchanged for the currency based on the exchange rate, and then the value of the currency is the privilege information representing the holding balance of the privilege. It is preferable to have a means for newly issuing the privilege from the currency after displaying it to the user.
As the processing unit, in addition to the privilege issuing unit, for example, a reception unit, a money exchange unit, a money privilege conversion estimation unit, a privilege collection unit, and the like can be mentioned as suitable examples.

FIG. 4 is a diagram showing an example of a functional system configuration of the user terminal, and is also a diagram specifically explaining the processing unit. For example, when the privilege information acquisition request (S0) is made, the user terminal 11 performs processing such as usage authentication at the reception unit (S1). The privilege information acquisition request may be a start screen or a start screen of the information application of the privilege information. The reception unit (S1) carries out usage authentication using the authentication information storage unit (which may include the user information storage unit, the privilege information storage unit, etc.) stored in the database of the privilege information management server 12. If there is no problem such as an error in the usage authentication, the privilege information of the user related to the usage authentication is acquired from the database, and then the privilege is exchanged for money at the currency exchange department (S2). .. The currency exchange unit (S2) exchanges the privilege held by the user for the currency by using the exchange condition information (S2a). Examples of the exchange condition information (S2a) include a privilege-money exchange rate and the like. After being exchanged for money at the money exchange unit (S2), the money privilege conversion estimation unit (S3) uses the exchange condition information (S2a) to exchange the value of the exchanged money for the privilege. Issuance amount is estimated, and the money information and the conversion privilege information are output to the user by using the currency information / conversion privilege information output unit (S3a). Further, after being exchanged for money by the money exchange unit (S2), the privilege collection unit (S4) uses the privilege information subtraction processing unit (S4a) to attach the privilege before the exchange to the subtraction processing, and then the database. Update the privilege information of and collect such privilege.
After the monetary information and the conversion privilege information are output to the user by the monetary information / conversion privilege information output unit (S3a), the privilege issuing unit (S5) determines the user based on the conversion privilege information. The above-mentioned privilege will be newly issued from the currency of. Preferably, the privilege issuing unit (S5) uses the privilege information addition processing unit (S5a) to add the privilege to the addition processing based on the converted privilege information, and then creates the privilege information in the database.

The database is not particularly limited as long as it is for storing at least the user information of the user and the privilege information of the privilege. Examples of the database include a database unit in the user terminal, and the database stores, for example, privilege information (for example, issue date, collection date, issue amount, collection amount, etc.). Preferably, the database has a privilege information master, which is a database of privilege information, as a storage means. The privilege information master includes, for example, an issue date, a collection date, an issue amount, a collection amount, and the like of the privilege, and examples of the privilege information master include those shown in FIG.

For example, the privilege information management server 12 in the privilege information management system of FIG. 2 manages privilege information and the like in the same manner as the known privilege information management server, but in the present invention, all the data of the blockchain that manages the privilege information is retained. It is preferable that it also functions as a full node server. The privilege information management server 12 can not only perform processing for managing privilege information and the like with the user terminal 11 and the like via the communication line 18, but also perform processing for exchanging the privilege and the like. The privilege information management server 12 also stores and manages the privilege information as a database by using, for example, a blockchain method. The privilege information database is shared (stored in each storage means) in the privilege information management server 12, the user terminal 11, and the like.

Here, a blockchain preferably used in the present invention will be described. The block acts as a transaction database containing information about 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. 5, 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 11 and the like.

A transaction is data for recording privilege information and the like. Transactions include input and output information. The input information is the output information of the transaction when the user who is the transaction source is granted the privilege to be the transaction (identification information for identifying the transaction (transaction hash value, sequence number, etc.)) and use. Includes information to prove that a person owns 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 the granted benefits, a script for using the granted benefits at the address specifying the grant destination, and the like. The user having at least a processing unit for issuing a privilege that can be used by the user and a database for storing at least the user information of the user and the privilege information of the privilege by configuring as described above. As the privilege information indicating the holding balance of the privilege, the user terminal displays the value of the currency after exchanging the privilege for money to the user, and further collects the holding balance of the privilege. It can function as a means for processing to newly issue the privilege from the value of the money.

FIG. 7 schematically shows an example of an information processing flow for acquiring privilege information preferably carried out in the user terminal. When the user authenticates the use and requests the privilege information acquisition in the input / output display unit 11a of the user terminal 11 (S101), the processing unit 11b collates the user information (including the password and the like) as the verification of the authentication information. The inquiry and the acquisition of privilege information are performed on the database unit 11c (S102). More specifically, when the processing unit 11b determines from the database 11c that the usage authentication information matches the password of the user information and there is no problem, the user related to the usage authentication from the database 11c. Get the privilege information of. When the inquiry result and the privilege information are transmitted from the database unit 11c to the processing unit 11b (S103), the processing unit 11b transmits a request for acquiring exchange conditions from the privilege to money to the database unit 11c (S104). When the database unit 11c receives the exchange condition acquisition request from the privilege to money from the processing unit 11b, the database unit 11c extracts the exchange condition of the user and transmits the exchange condition to the processing unit 11b (S105). When the processing unit 11b receives the exchange condition from the database unit 11c, the processing unit 11b performs the exchange processing and transmits the exchange transaction information to the database unit 11c (S106). The exchange transaction information is not particularly limited, and examples thereof include an exchange date and time, the value of money after the exchange, exchanged privilege information, user information, and the like. When the database unit 11c receives the exchange transaction information from the processing unit 11b, it creates transaction-related information and updates the information, and transmits the information creation and information update completion to the processing unit 11b (S107). For the transaction-related information creation and information update, for example, in addition to the transaction history such as the exchange date and time, the value of money after the exchange, the exchanged privilege information, and the user information, the exchanged privilege information has been used. It also includes updating the privilege information to indicate that it has been collected. When the processing unit 11b receives the transaction-related information creation and information update completion from the database unit 11c, the processing unit 11b transmits a privilege issuance condition acquisition request to the database unit 11c (S108). When the database unit 11c receives the privilege issuance condition acquisition request from the processing unit 11b, the database unit 11c extracts the privilege issuance condition for the user and transmits the extracted new issuance condition to the processing unit 11b (S109). Upon receiving the new issue condition from the database unit 11c, the processing unit 11b displays the monetary information and the conversion privilege information on the input / output display unit 11a (S110). The processing unit 11b displays the monetary information and the conversion privilege information on the input / output display unit 11a, then performs the privilege issuance processing, and then transmits the newly issued transaction information to the database unit 11c (S111). When the database unit 11c receives the newly issued transaction information from the processing unit 11b, the database unit 11c newly creates the transaction history and the privilege information, and then transmits the transaction-related information creation and the information update completion to the processing unit 11b (S112). .. By performing the above processing, it is possible to configure the user to handle the privilege as the money.

The user terminal displays, for example, a transaction start screen as shown in FIG. The transaction screen of FIG. 8 shows a display screen when the privilege is a point, and not only the point holding balance is displayed in Japanese yen, but also the points when the points are used are described, and the actual points are described. There is also a selection button that says "use points". Then, for example, when the selection button "Use points" is pressed down to select, a transaction screen as shown in FIG. 9, for example, is displayed, and the points can be actually used. The transaction screen of FIG. 9 shows a display screen when the privilege is a point, and not only the point holding balance is displayed in Japanese yen, but also the points when the points are used are described, for example, a store. It is configured so that points can be used by reading a barcode or reading a QR code (R) with a cash register or the like. By doing so, as is clear from FIGS. 8 and 9, not only can the user handle the benefits as if they were cash without impairing the promotion of use of the benefits, but also the expiration date of the benefits, etc. You can also save the trouble of managing. In addition, the burden of processing management for each issue date will be reduced for the privilege issuer, and both the user and the privilege issuer can manage and operate the privilege in an industrially advantageous manner.

Further, in the present invention, for convenience, each flow and each process described above can be performed by display, for example, as shown in FIGS. 8 and 9, and such an embodiment is also included in the present invention. As the display, for example, as shown in FIGS. 8 and 9, "The indicated amount is displayed by exchanging points. The number of points in parentheses is the case where the displayed amount is exchanged for points. It is the number of points, and will be exchanged after this display is completed. " In addition, for example, when the redemption display of the privilege and the exchange notice of the privilege are displayed, the user terminal executes a process of collecting the privilege information of the privilege after the redemption for each display. Further, a process of newly creating the privilege information such as the issue date of the privilege is executed. With such a configuration, each process can be carried out more easily, and both the user and the privilege issuer can more efficiently utilize the privilege.

The user terminal, privilege information management system, privilege information management method and program of the present invention are useful for the use and management of benefits.

11 User terminal 12 Bonus information management server 18 Communication line 19 Blockchain 1101 Storage unit 1102 Processing unit 1103 Input unit 1104 Output unit 1105 Display unit 1106 Communication unit

Claims (15)

A user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user, and a database for storing at least the user information of the user and the privilege information of the privilege.
As the privilege information indicating the holding balance of the privilege, there is a means for displaying the value of the currency after exchanging the privilege for money to the user.
Further, the user terminal is characterized by having a means for collecting the holding balance of the privilege and subjecting it to a process of newly issuing the privilege from the value of the money. The user terminal according to claim 1, which stores the exchange rate between the privilege and money and has a means for exchanging the privilege for the money based on the exchange rate. The user terminal according to claim 1 or 2, wherein the privilege is a privilege having an expiration date. The user terminal according to claim 3, wherein the award is valid for within 6 months from the issue date of the award. The user terminal according to any one of claims 1 to 4, wherein the currency is a digital currency. The user terminal according to any one of claims 1 to 5, which has a means for displaying the issue date and the issue amount of the newly issued privilege in advance. The user terminal according to claim 6, further comprising a means for storing the issue date and the issue amount as privilege information of a new privilege based on the user. The user terminal according to any one of claims 1 to 7, which has a means for displaying the transaction start screen of the privilege together with the value of the money. The user terminal according to any one of claims 1 to 8, which comprises a means for using a blockchain for managing the privilege information. The user terminal according to any one of claims 1 to 9, further comprising a means for storing the exchanged privilege in the privilege information as a used privilege after exchanging the privilege for the currency. It is a privilege information management system in which a privilege information management server that manages privilege information of benefits that can be used by a user and the user terminal of the user are connected to each other so as to be able to communicate with each other via a communication line.
The privilege information management system, wherein the user terminal is the user terminal according to any one of claims 1 to 10. After collecting the holding balance of the privilege and subjecting it to the process of newly issuing the privilege from the value of the currency, the user terminal transmits the privilege information attached to the process to the privilege information management server. When the privilege information management server receives the transaction information from the user terminal, the privilege information management server collates with the privilege information held by the privilege information management server, and updates the privilege information if they do not match. The privilege information management system according to claim 11, which has means. The privilege information management system according to claim 11 or 12, wherein the communication line includes a telephone network or an Internet network. The privilege is provided by using the user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user and a database for storing at least the user information of the user and the privilege information of the privilege. It is a method of managing information, and on the user terminal, the value of the money after exchanging the privilege for money is displayed to the user as the privilege information indicating the holding balance of the privilege, and further. , A privilege information management method comprising collecting the holding balance of the privilege and subjecting it to a process of newly issuing the privilege from the value of the money. The user terminal of the user having at least a processing unit for issuing a privilege that can be used by the user and a database for storing at least the user information of the user and the privilege information of the privilege is the user terminal of the privilege. As the privilege information indicating the holding balance, the value of the currency after exchanging the privilege for money is displayed to the user, the holding balance of the privilege is collected, and the privilege is newly added from the value of the money. A program characterized by functioning as a means to be attached to a process issued to.

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