JP2022037818A - Management system and management method - Google Patents

Abstract

To reduce the burden in exchanging money and improve the convenience of use of electronic money.SOLUTION: A management system 1 comprises: terminals 20A and 20B in each of which an application capable of charging electronic money by a plurality of types of currency is installed; and a server device 10 which manages the electronic money of the plurality of types of currency. The terminal 20A uses a billing service of the application and sets a billing destination, the type of first currency for billing, and a billing amount. The terminal 20B sets the type of second currency to be used for payment of the billing amount. The server device 10 has a deposit/withdrawal control section 133 which, when receiving a payment notification from the terminal 20B, calculates an amount in the second currency corresponding to the billing amount in the first currency on the basis of an exchange rate, subtracts the calculated amount from the balance of the electronic money in the second currency out of the electronic money charged by the terminal 20B, and added the billing amount to the first currency out of the electronic money charged by the terminal 20A.SELECTED DRAWING: Figure 1

Description

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

People in other countries may be required to pay in their own currency. In addition, it has been put into practical use to carry out general commercial transactions and electronic commerce via the Internet using a mobile terminal having an electronic wallet function for holding electronic money without using cash.

Japanese Unexamined Patent Publication No. 2006-318229

However, when requesting a person from another country to pay in their own currency, the requester receives the currency of the other country from the invoiced party and exchanges it into the currency of the home country, or the invoiced party exchanges and then sends it. There was a problem that it was necessary to do so and it took time and effort to exchange money. In most cases, electronic commerce is only compatible with the currency of one's own country, and in many cases it cannot be used in other countries.

The present invention has been made in view of the above, and an object of the present invention is to provide a management system and a management method capable of reducing the burden of exchange and enhancing the convenience of using electronic money.

In order to solve the above-mentioned problems and achieve the object, the management system of the present invention manages a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and electronic money in a plurality of types of currencies. In a management system that has a billing device and a billing system, the billing terminal device uses the billing service of the application to send a billing notification that sets the billing destination, the type of the first currency to be billed, and the billing amount. Then, the billing terminal device sends a payment notification that sets a second currency type for paying the billing amount according to the billing service of the application, and when the management device receives the billing notification, the billing terminal device When the payment notification is received from the notification unit that notifies the device of the billing notification and the terminal device of the billing destination, the amount in the second currency corresponding to the billing amount in the first currency is calculated based on the exchange rate. The obtained amount is subtracted from the balance of electronic money in the second currency of the electronic money charged by the billing terminal device, and the billing source responds to the electronic money deduction process in the billing terminal device. It is characterized by having a deposit / withdrawal control unit that adds a billing amount to the first currency of the electronic money charged by the terminal device.

Further, the management system according to the present invention is a management system having a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and a management device for managing electronic money in a plurality of types of currencies. The terminal device of the remittance source uses the remittance service of the application to send a remittance setting notification that sets the remittance destination, the type of the first currency to be remitted, and the remittance amount, and the management device is the terminal of the remittance source. When the remittance setting notification is received from the device, if the balance of the electronic money in the first currency among the electronic money charged by the terminal device of the remittance source is equal to or greater than the remittance amount, the remittance amount is transferred from the electronic money in the first currency. If the balance of the electronic money in the first currency is less than the transfer amount, the amount of the insufficient amount will be charged by the terminal device of the transfer source based on the exchange rate. Is exchanged for the first currency, then the remittance amount is subtracted from the electronic money of the first currency, and among the electronic money charged by the terminal device of the remittance destination according to the deduction process of the electronic money in the terminal device of the remittance source. It is characterized by having a deposit / withdrawal control unit that adds a remittance amount to the first currency.

According to the present invention, it is possible to reduce the burden of exchange and enhance the convenience of using electronic money in a foreign country.

FIG. 1 is a block diagram showing an example of the configuration of the management system according to the embodiment. FIG. 2 is a block diagram showing an example of the configuration of the server device according to the embodiment. FIG. 3 is a diagram showing an example of the data structure of the amount information storage unit. FIG. 4 is a diagram showing an example of the data structure of the usage history information storage unit. FIG. 5 is a diagram showing an example of a mobile payment application screen. FIG. 6 is a diagram showing a flow of processing of a billing service in the management system. FIG. 7 is a diagram showing an example of a terminal screen when the billing service of the bile payment application is used. FIG. 8 is a diagram showing an example of a terminal screen when the billing service of the bile payment application is used. FIG. 9 is a diagram showing an example of a terminal screen when using the billing service of the mobile payment application. FIG. 10 is a diagram showing an example of a screen of a terminal when using a billing service of a mobile payment application. FIG. 11 is a sequence diagram showing a processing procedure of the management process in the embodiment. FIG. 12 is a sequence diagram showing another processing procedure of the management processing in the embodiment. FIG. 13 is a diagram showing an example of the flow of processing of the remittance service in the management system. FIG. 14 is a diagram showing an example of a screen of a terminal when using a billing service of a mobile payment application. FIG. 15 is a diagram showing an example of a screen of a terminal when using a billing service of a mobile payment application. FIG. 16 is a sequence diagram showing the processing of the remittance service according to the embodiment. FIG. 17 is a diagram showing a computer that executes a program.

Hereinafter, embodiments of the management system and management method according to the present application will be described in detail with reference to the drawings. The management system and management method according to the present application are not limited by this embodiment.

[Embodiment]
In the following embodiments, the configuration of the management system, the flow of processing of the management system and the management method according to the embodiments will be described in order, and finally the effects of the embodiments will be described. In the embodiment, a management system for managing payment processing in a terminal device equipped with a mobile payment application capable of holding a plurality of types of currencies as electronic money in cooperation with credit card payment will be described as an example. In the embodiment, a case where a billing service for requesting remittance is used among the functions of the mobile payment application will be described.

[Management system configuration]
First, the configuration of the management system according to the embodiment will be described. FIG. 1 is a block diagram showing an example of the configuration of the management system according to the embodiment.

As shown in FIG. 1, the management system 1 according to the embodiment includes a plurality of terminals, for example, a terminal 20A used by the user A, a terminal 20B used by the user B, and a terminal 20C used by the user C. It has a server device 10 (management device) that manages payment processing of electronic money of terminals 20A, 20B, 20C via a network or the like. An encryption process or the like is applied to each communication process between the management system 1 and the terminals 20A, 20B, and 20C. Further, the configuration shown in FIG. 1 is only an example, and the specific configuration and the number of each device are not particularly limited.

The management system 1 provides a service that enables the billing user to pay the billing amount with electronic money of the type of currency that the billing user wishes to receive when using the billing service. In the server device 10, when the user A designates the users B and C and makes a request with the electronic money in the currency desired by the user A, the users B and C use the electronic money in the currency desired by the user A. Even if it is not held, the deposit / withdrawal is controlled so that the user A can pay the billed amount in the desired currency.

In the server device 10, in the mobile payment application executed on the terminals 20A, 20B, 20C, foreign currency is purchased (exchanged) in cooperation with credit card payment, held as electronic money, and electronically in the user's desired currency. It is possible to provide a multi-currency payment service that executes payment with money. In the present embodiment, a case where the user A uses the billing service of the mobile payment application to make a remittance request in Japanese yen to the users B and C in another country will be described as an example.

The terminals 20A, 20B, and 20C are smart devices such as smartphones and tablets equipped with mobile payment applications, and are mobile terminal devices capable of communicating with an arbitrary server device 10 via a wireless communication network. The terminals 20A, 20B, and 20C may be information processing devices such as a desktop PC (Personal Computer) and a notebook PC. Further, the terminals 20A, 20B, and 20C may have a function of specifying the current position by using a positioning system such as GPS (Global Positioning System) and outputting position information indicating the specified position.

In the management system 1, the terminals 20A, 20B, and 20C, which are based on deposit / withdrawal control by the server device 10, exchange Japanese yen charged via credit card payment into a plurality of currencies by using a mobile payment application. Can be held as electronic money. Then, the terminal 20 has a function of billing an amount using the billing service of the mobile payment application. In the billing service of this mobile payment application, it is possible to pay the billing amount with electronic money in the currency desired by the billing user.

Therefore, in the present embodiment, the user A operates the terminal 20A (terminal device of the billing source), the billing destination (terminals 20B, 20C), and the type of the desired currency (first currency) of the user A (first currency). For example, Japanese Yen) and the billing amount are set. Then, as an example, the terminals 20B and 20C set the type of the desired payment currency (second currency) for paying the billing amount according to the billing service of the mobile payment application as the billing destination terminal device, and pay the bill. explain.

[Server device configuration]
Next, the configuration of the server device 10 will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the server device according to the embodiment. As shown in FIG. 2, the server device 10 has a communication unit 11, a storage unit 12, and a control unit 13. The processing of each part of the server device 10 will be described below. It should be noted that each function of the server device 10 may be distributed to a plurality of devices.

The communication unit 11 controls communication related to various information. For example, the communication unit 11 controls the communication performed with the terminals 20A, 20B, 20C. Further, for example, the communication unit 11 uses P2P transfer with the terminals 20A, 20B, and 20C.

The storage unit 12 stores data and programs necessary for various processes by the control unit 13, and has a monetary amount information storage unit 121 and a usage history information storage unit 122 as particularly related to the present embodiment. For example, the storage unit 12 is a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk.

The amount information storage unit 121 stores the amount charged by the mobile payment application for each user. For example, the amount information storage unit 121 may store the charge amount that can be used as electronic money of various currencies. FIG. 3 is a diagram showing an example of the data structure of the amount information storage unit 121. As shown in FIG. 3, the amount information storage unit 121 has a user ID, a currency, and an amount as items, and the charge amount of electronic money held by the terminals 20A, 20B, 20C owned by each user is used as currency. Remember each time. For example, for user A, JPY (Japanese yen), USD (US dollar), and AUD (AUD) are held at "56165", "500.00", and "50.00", respectively.

The usage history information storage unit 122 stores the usage history of electronic money by the user. FIG. 4 is an example of the data structure of the usage history information storage unit 122. For example, as illustrated in FIG. 4, the usage history information storage unit 122 purchased a user ID, a "product name" indicating the name of the purchased product, a "amount" indicating the purchase price of the product, and the product. It is stored in association with the "purchase date and time" indicating the date and time.

The control unit 13 has an internal memory for storing a program that defines various processing procedures and required data, and executes various processing by these. Here, the control unit 13 is an electronic circuit such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit), or an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 13 includes a reception unit 131, a notification unit 132, and a deposit / withdrawal control unit 133.

The reception unit 131 receives various notifications transmitted from the terminals 20A, 20B, 20C. For example, the reception unit 131 receives a billing notification from the terminal 20A, in which a billing destination, a desired currency (first currency), and a billing amount are set according to the billing service of the mobile payment application. Further, the reception unit 131 sets a payment notification from the terminals 20B and 20C by setting the type of payment desired currency (second currency) for which the users B and C pay the billing amount according to the billing service of the mobile payment application. Accept.

The notification unit 132 transmits various notifications related to electronic money payment to the terminals 20A, 20B, and 20C. For example, the notification unit 132 transmits a billing notification indicating the user A's desired receipt currency and the billing amount to the billing destination terminals 20B and 20C. Then, the notification unit 132 transmits a payment end notification indicating that the payment of the billed amount in Japanese yen from the users B and C to the user A has been completed to the terminal 20A.

The deposit / withdrawal control unit 133 controls the deposit / withdrawal of electronic money in various currencies by the mobile payment application on the user's terminals 20A, 20B, 20C. The deposit / withdrawal control unit 133 accepts the designation of the currency type from the terminals 20A, 20B, 20C when the deposit operation is performed, and deposits the electronic money of the accepted type of currency into the terminals 20A, 20B, 20C. To control.

Further, when the deposit / withdrawal control unit 133 receives the payment notification indicating the desired payment currency from the billing destination terminals 20B and 20C, respectively, the deposit / withdrawal control unit 133 wishes to pay according to the billing amount in the desired receiving currency of the user A based on the exchange rate. The amount in currency is calculated, and the calculated amount and the exchange fee are subtracted from the balance of the electronic money in the desired currency among the electronic money charged by the billing terminals 20B and 20C. Then, the deposit / withdrawal control unit 133 charges the amount of the electronic money charged by the billing terminal 20A in the desired currency (Japanese yen) according to the electronic money subtraction processing in the billing terminals 20B and 20C. To deposit.

[Electronic money charge]
Describes the charging of e-commerce in multiple currencies by mobile payment applications. FIG. 5 is a diagram showing an example of a mobile payment application screen.

As shown in screen 20-1 of FIG. 5, the mobile payment application can charge electronic money of a plurality of types of currencies, make payments using electronic money, and the like in cooperation with credit card payment. .. Specifically, the user has a charge of 110,000 yen in Japanese yen using credit card payment, and a part of the charge in Japanese yen is used in another currency (for example, US dollars). An example of exchanging money for electronic money) will be described.

In this case, the user taps the exchange button B1 on the screen 20-1. Then, the screen changes to screen 20-2, and information indicating various currencies that can be exchanged is displayed. When the user selects the currency of the exchange destination from these ((1) in FIG. 5), the screen changes to screen 20-3. When the user taps the currency of the exchange destination ((2) in FIG. 5), the screen changes to screen 20-4, and the rate of the selected currency is displayed. Then, when the user instructs to exchange at the selected rate ((3) in FIG. 5), the exchanged US dollar electronic money of 500 dollars is charged to the user's terminal, and the charged Japanese yen is used. , US $ 500 and the fee required for exchange will be reduced.

[Billing service processing flow]
Next, the billing service of the mobile payment application in the embodiment will be described. FIG. 6 is a diagram showing a flow of processing of a billing service in a management system. 7, 8 and 10 are diagrams showing an example of the screen of the terminal 20A when the billing service of the mobile payment application is used. FIG. 9 is a diagram showing an example of a screen of the terminal 20B when using the billing service of the mobile payment application. FIG. 11 is a sequence diagram showing a processing procedure of the management process in the embodiment.

On the terminal 20A, a billing setting process for setting a billing destination (terminals 20B, 20C), a desired currency (Japanese yen), and a billing amount (for example, 1000 yen) is executed according to the billing service of the mobile payment application. ((1) in FIG. 6 and step S1 in FIG. 11).

Specifically, when the user A selects the billing service button (for example, the remittance / billing button B2 on the screen 20-1 of FIG. 5), the screen 20A-1 (see FIG. 7) is displayed on the terminal 20A. .. User A selects the billing button C1 on the screen 20A-1. Then, the user A inputs the desired currency (Japanese yen) and the billing amount in the amount fields C2 and C3. Subsequently, the user A inputs a billing member (identification information of the billing destination terminal) in the member selection field C4. In this case, for example, as shown in screen 20A-2 (see FIG. 8), the user ID, the telephone number of the terminal, or the QR code (registered trademark) of the terminal of the billing member is read in the mobile payment application. Set the billing member with.

As a result, as shown on the screen 20A-1, the user A sets the charges of 1000 yen each in Japanese yen for the users B to D. At this time, the user A can also add a message to the users B to D. Then, the user A ends the billing setting process by selecting the "done" button C5.

Then, when the server device 10 receives a billing notification from the terminal 20A, which sets the billing destination (terminals 20B, 20C), the desired currency (Japanese yen), and the billing amount (for example, 1000 yen) (FIG. 6). (2) and step S2 in FIG. 11, the billing destination terminals 20B and 20C are notified of the billing notification indicating the user A's desired currency (Japanese yen) and the billing amount (for example, 1000 yen) (for example, 1000 yen). (3-B) and (3-C) of FIG. 6 and steps S3B and S3C of FIG. 11).

In response to this billing notification, the terminal 20B executes a remittance setting process for setting a desired payment currency (for example, AU dollar) by the operation of the user B (steps (4-B) in FIG. 6 and step 11 in FIG. 11). S4B).

Specifically, on the terminal 20B, the screen 20B-1 (see FIG. 9) is displayed. When the user B confirms the desired currency to be received and the billing amount of the user A on the screen 20B-1, the user B proceeds to the “remittance” screen 20B-2 (see FIG. 9) in order to select the currency to be used for the payment. At this time, the holding amount of the electronic money held by the user B is displayed on the screen 20B-2 for each currency. When the user B selects the AU dollar among the currencies of the electronic money to be held, the user B selects the OK button D1 among the OK button D1 and the NG button D2 in the AU dollar display column. User B selects the "Done" button D3 after confirming the exchange rate on the screen 20B-3. By this setting process, the terminal 20B transmits a payment notification set to pay in AU dollars to the server device 10 ((5-B) in FIG. 6 and step S5B in FIG. 11).

Similarly, in the terminal 20C, the desired payment currency (US dollars) is set by the operation of the user C ((4-C) in FIG. 6 and step S4C in FIG. 11), and the server device 10 is paid in US dollars. The payment notification set in FIG. 6 is transmitted ((5-C) in FIG. 6 and step S5C in FIG. 11).

When the server device 10 receives the payment notification (AU dollars) from the terminal 20B, the server device 10 charges the amount in AU dollars corresponding to the billing amount in Japanese yen (for example, 1000 yen) desired by the user A based on the exchange rate. The calculated amount and the exchange fee are calculated and subtracted from the balance of the electronic money of the AU dollar charged by the terminal 20B ((6-B) in FIG. 6 and step S6B in FIG. 11). Then, the server device 10 exchanges the subtracted AU dollars into Japanese yen, and adds a bill (for example, 1000 yen) to the electronic money of Japanese yen charged by the terminal 20A (FIG. 6 (7) and FIG. 11). Step S7).

Similarly, when a payment notification (US dollars) is received from the terminal 20C, the amount in US dollars corresponding to the billing amount in Japanese yen (for example, 1000 yen) desired by user A is calculated based on the exchange rate. The obtained amount and the exchange fee are subtracted from the balance of US dollar electronic money charged by the terminal 20C ((6-C) in FIG. 6 and step S6C in FIG. 11). Then, the server device 10 exchanges the subtracted US dollars into Japanese yen, and adds a bill (for example, 1000 yen) to the electronic money of Japanese yen charged by the terminal 20A (FIG. 6 (7) and FIG. 11). Step S7).

Then, the server device 10 notifies the terminal 20A that the payment in Japanese yen by the users B and C has been completed ((8) in FIG. 6 and step S8 in FIG. 11), and terminates the billing service. In this case, as shown in the screen 20A-3 of FIG. 10, the terminal 20A displays the transaction history with the users B and C who have finished paying the bill.

[Effect of embodiment]
As described above, in the embodiment, the billing user A can select the type of currency desired to be received from the electronic money of a plurality of types of currencies, and the billing users B and C are also the currencies desired to be paid. A billing service that allows you to select the type of is provided in the mobile payment application.

At this time, any of the users A, B, and C can receive and pay the bill with electronic money in the currency desired by the users A, B, and C without burdening the exchange processing. That is, in the embodiment, even if the user A requests the payment of the electronic money of the Japanese yen in the state where the users B and C do not hold the Japanese yen (see FIG. 3), the users B and C Simply sets up payment in Japanese Yen from AU Dollar or US Dollar and bills to User A in Japanese Yen by simply setting payment with electronic money of AU Dollar or US Dollar held on the mobile payment application. Payment will be made automatically. As described above, according to the embodiment, it is possible to reduce the burden on the user of currency exchange and enhance the convenience of using electronic money.

[Flow of other processing]
Further, in the above example, the case where the users B and C themselves operate the terminals 20B and 20C to set the desired currency for payment of the bill is described as an example, but the terminals 20B and 20C are the desired currencies for payment. The type may be automatically set according to a predetermined setting condition.

FIG. 12 is a sequence diagram showing another processing procedure of the management processing in the embodiment. Steps S1-1 to S3C-1 shown in FIG. 12 are the same processes as steps S1 to S3C in FIG. The terminals 20B and 20C automatically set the desired currency for payment to pay the bill (steps S4B-1, 4C-1) according to predetermined setting conditions. Steps S5B-1 to S8-1 shown in FIG. 12 are the same processes as steps S5B to S8 in FIG.

In steps S4B-1 and 4C-1, the terminals 20B and 20C set, for example, a currency having a large charge balance of electronic money or a currency having a small charge balance as a desired payment currency on the mobile payment application. Alternatively, the terminals 20B and 20C set the currency previously set as the desired payment currency by the user B as the desired payment currency on the mobile payment application. Alternatively, the terminals 20B and 20C may set a currency in which the electronic money is frequently used or a currency in which the electronic money usage committee is infrequently used as the desired payment currency on the mobile payment application, and the users B and C may use the currency. You may set your own currency as the desired currency for payment.

Further, the terminals 20B and 20C may pay the bill for billing in the order of the preset currencies on the mobile payment application. At that time, when the charge balance of the first-ranked currency is exhausted, the terminals 20B and 20C may slide to the next second-ranked currency or the home currency of the users B and C to set the desired payment currency. good.

Then, when the charge amount is insufficient, the terminals 20B and 20C exchange the currency into the highest-ranked currency according to the order of the currency set in advance on the mobile payment application and charge the electronic money. You may set to pay the bill in currency. In addition, on the mobile payment application, the terminals 20B and 20C are to pay the bill with the electronic money of the currency whose exchange rate is more advantageous than the other currencies among the electronic money of the plurality of currencies charged. It may be set. In addition, on the mobile payment application, the terminals 20B and 20C are set to exchange into a currency whose exchange rate is more advantageous than other currencies, charge the electronic money of that currency, and pay the bill in that currency. You may.

If the charge amount is insufficient, the terminals 20B and 20C use a position search function such as GPS to identify the country in which the terminals 20B and 20C are located, and convert them into the currency of that country for electronic money. You may charge and set to pay the bill in that currency. Further, the terminals 20B and 20C may shift to payment of the bill for billing with a linked credit card when the charge amount is insufficient.

[Modified example of the embodiment]
In this modification, a case where the user A selects the currency to be remitted (the first currency) and remits the electronic money to the users B and C will be described. User A can change the type of currency to be remitted to User B and User C.

FIG. 13 is a diagram showing an example of the flow of processing of the remittance service in the management system 1. FIG. 14 is a diagram showing an example of a screen of the terminal 20A when using the remittance service of the mobile payment application. FIG. 15 is a diagram showing an example of a screen of the terminal 20B when using the remittance service of the mobile payment application. FIG. 16 is a sequence diagram showing the processing of the remittance service according to the embodiment.

The remittance source terminal 20A uses the remittance service of the mobile payment application to set the remittance destination terminal, the type of the first currency to be remitted, and the remittance amount. For example, the terminal 20A sets the server device 10 to remittance and remittance amount of AU dollar to user B and remittance and remittance amount of US dollar to user C (FIG. 13 (1) and FIG. 16). Step S11).

At this time, the user A selects the remittance / billing button B2 (see FIG. 5) of the mobile payment application on the terminal 20A, and then selects the "remittance" button E1 on the screen 20A-11 (see FIG. 14). Then, the user A inputs the currency to be transmitted and the remittance amount in the amount field E3, and inputs the remittance member (identification information of the terminal of the remittance destination) in the member selection field E2. On the mobile payment application, the terminal 20A may set remittance in the electronic money of a currency having an exchange rate more advantageous than that of other currencies among the electronic money of a plurality of currencies being charged. Further, on the mobile payment application, the terminal 20A may be set to exchange into a currency having an exchange rate more advantageous than other currencies, charge the electronic money of that currency, and remit in that currency. ..

In this case, as shown on the screen 20A-12 (see FIG. 14), the holding amount of the electronic money held by the user A is displayed for each currency. When the user A selects the AU dollar among the currencies of the electronic commerce to be held, the user A selects the OK button E4 in the AU dollar display field. User A inputs the remittance amount "100.00" in the selected AU dollar in the amount field E5 on the screen 20A-13 (see FIG. 14), confirms the exchange rate, and then selects the "Finish" button E6. ..

By this setting process, the terminal 20A transmits a remittance setting notification set to remittance to the user B of "100.00" AU dollars to the server device 10 ((2) of FIG. 13 and step S12 of FIG. 16). Further, the terminal 20A transmits a remittance setting notification in which the remittance to the US dollar user C and the remittance amount are set to the server device 10 according to the remittance setting of US dollars to the user C ((2) of FIG. 13 and the remittance amount). FIG. 16 step S12).

Upon receiving this remittance setting notification, the server device 10 confirms the balance of the AU dollar to be remitted to the user B among the electronic money charged by the remittance source terminal 20A. Then, when the balance of the AU dollar electronic money is equal to or greater than the remittance amount, the server device 10 subtracts the remittance amount from the AU dollar electronic money of the terminal 20A. On the other hand, in the server device 10, when the balance of the electronic money of AU dollar of the terminal 20A is less than the remittance amount, the remittance source is the sum of the insufficient amount and the exchange fee based on the exchange rate. The terminal 20A of the terminal 20A exchanges the electronic money of other currencies charged into AU dollars. Then, the server device 10 charges the AU dollar electronic money of the terminal 20A and subtracts the remittance amount from the AU dollar electronic money ((3) of FIG. 13 and step S13 of FIG. 16).

Similarly, the server device 10 subtracts the remittance amount from the balance of US dollars charged by the terminal 20A for the remittance of US dollars to the user C. Then, when the balance of the terminal 20A is insufficient, the server device 10 exchanges the electronic money of another currency held by the terminal 20A into US dollars, charges the electronic money of US dollars, and subtracts the remittance amount. ..

Subsequently, the server device 10 adds the remittance amount to the electronic money in the currency to be remitted among the electronic money charged by the remittance destination terminals 20B and 20C in response to the electronic money subtraction process in the remittance source terminal 20A. do. For example, the server device 10 adds the remittance amount to the AU dollar electronic money among the electronic money of the user B ((4) of FIG. 13 and step S14 of FIG. 16). Further, the server device 10 adds the remittance amount to the US dollar electronic money among the electronic money of the user C (FIG. 13 (5) and FIG. 16 step S15).

In the present embodiment, the case where the payment is made by charging the electronic money corresponding to each currency on the mobile payment application has been described as an example, but the payment is not limited to this, and the payment is made by the terminals 20A, 20B, 20C. The type of payment is not limited. For example, the payment process in the embodiment may be not only a mobile prepaid card that charges electronic money to the terminals 20A, 20B, 20C, but also a payment using a credit card registered in advance in the terminals 20A, 20B, 20C. ..

Then, the server device 10 notifies the terminal 20A of the remittance end notification indicating that the remittance of the AU dollar to the user B and the remittance of the US dollar to the user C have been completed ((6) and 16 of FIG. 13). Step S16). Further, the server device 10 notifies the terminal 20B of a remittance notification indicating that the remittance process of "100.00" AU dollars has been performed from the user A ((7) in FIG. 13 and step S17 in FIG. 16). .. In this case, as shown in the screen 20B-11 of FIG. 15, the terminal 20C displays that the remittance was made by the user A of the remittance source in AU dollars. Further, the server device 10 notifies the terminal 20C of a remittance notification indicating that the user A has remitted in US dollars ((8) in FIG. 13 and step S18 in FIG. 16).

In the management system 1, the user A can remit to the users B and C with electronic money by changing the currency to be remitted for each of the users B and C. At this time, in the management system 1, if the user A lacks the electronic money of the currency to be remitted, the other currency owned by the user A is exchanged for the currency to be remitted, and the electronic money of the currency to be remittance is used. Charge to and send money. Therefore, since the currency to be remitted and the remittance to the users B and C are automatically performed, the electronic money can be conveniently used without the burden of currency exchange.

As the application of currency rates, both variable rates and fixed rates can be considered. Specifically, when considering the person making the request as the axis, pattern 1 in which the rate at the time of request is a variable rate can be considered.

Then, when considering a person who pays by selecting a currency or a person who remits money, pattern 2 in which the rate at the time of payment or remittance is a variable rate can be considered. This pattern 2 is a case where payments are converted to an immediate rate at the time of remittance. For example, on a Japanese site, the user B is billed in Japanese yen. User A exchanges money on the mobile payment application at the time of payment and remits Japanese yen. In this case, it will be the rate (variable rate) at the time of remittance.

Further, as a case of a fixed rate, a pattern 3 in which a fixed rate is applied throughout the day can be considered for remittance to a corporation. For example, a fixed rate may be applied throughout the day to payments associated with product purchases or service applications at stores. Specifically, when the user A purchases a product sold on a Japanese site, the payment amount is calculated at the rate set on that day, and the user A is billed in US dollars.

Pattern 4 is conceivable in which the rate at the time of charging by the user is applied. For example, if a store converts the rate from Japanese yen to US dollars and bills it, for a certain period of time, for example, Japanese yen to US dollars will be exchanged, and for 14 days, the surplus US dollars will be exchanged at the rate at the time of exchange. By using the ability to return to, it is possible to pay the store from US dollars to Japanese yen at a rate that is advantageous compared to the rate at the time of payment and the exchanged US dollars.

Then, pattern 5 in which a fixed rate is applied during the travel period of the user can be considered. A "fixed rate during the trip" that specifies the budget that the traveler plans to use during the trip in a range, for example, a rate that is applied in the range of US $ 50 to US $ 100, and is the same as pattern 4 at the time of payment. Rates and Range Rates You can take advantage of rates compared to the reserved US dollars.

[System configuration, etc.]
Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured. Further, each processing function performed by each device is realized by a CPU or GPU and a program that is analyzed and executed by the CPU or GPU, or as hardware by wired logic. Can be realized.

Further, among the processes described in the present embodiment, all or part of the processes described as being automatically performed can be manually performed, or the processes described as being manually performed can be performed. All or part of it can be done automatically by a known method. In addition, the processing procedure, control procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified.

[program]
It is also possible to create a program in which the processes executed by the terminals 20A, 20B, 20C and the server device 10 described in the above embodiment are described in a language that can be executed by a computer. For example, it is possible to create a program in which the processes executed by the terminals 20A, 20B, 20C and the server device 10 in the embodiment are described in a language that can be executed by a computer. In this case, the same effect as that of the above embodiment can be obtained by executing the program by the computer. Further, the same processing as that of the above embodiment may be realized by recording the program on a computer-readable recording medium, reading the program recorded on the recording medium into the computer, and executing the program.

FIG. 17 is a diagram showing a computer that executes a program. As illustrated in FIG. 17, the computer 1000 has, for example, a memory 1010, a CPU 1020, a hard disk drive interface 1030, a disk drive interface 1040, a serial port interface 1050, a video adapter 1060, and a network interface 1070. However, each of these parts is connected by a bus 1080.

The memory 1010 includes a ROM (Read Only Memory) 1011 and a RAM 1012, as illustrated in FIG. The ROM 1011 stores, for example, a boot program such as a BIOS (Basic Input Output System). The hard disk drive interface 1030 is connected to the hard disk drive 1090, as illustrated in FIG. The disk drive interface 1040 is connected to the disk drive 1100. For example, a removable storage medium such as a magnetic disk or an optical disk is inserted into the disk drive 1100. The serial port interface 1050 is connected to, for example, a mouse 1110 and a keyboard 1120. The video adapter 1060 is connected to, for example, the display 1130.

Here, as illustrated in FIG. 17, the hard disk drive 1090 stores, for example, the OS 1091, the application program 1092, the program module 1093, and the program data 1094. That is, the above-mentioned program is stored in, for example, the hard disk drive 1090 as a program module in which a command executed by the computer 1000 is described.

Further, the various data described in the above embodiment are stored as program data in, for example, a memory 1010 or a hard disk drive 1090. Then, the CPU 1020 reads the program module 1093 and the program data 1094 stored in the memory 1010 and the hard disk drive 1090 into the RAM 1012 as needed, and executes various processing procedures.

The program module 1093 and program data 1094 related to the program are not limited to those stored in the hard disk drive 1090, and may be stored in, for example, a removable storage medium and read by the CPU 1020 via a disk drive or the like. .. Alternatively, the program module 1093 and the program data 1094 related to the program are stored in another computer connected via a network (LAN (Local Area Network), WAN (Wide Area Network), etc.) and stored via the network interface 1070. It may be read by the CPU 1020.

The above-described embodiments and modifications thereof are included in the invention described in the claims and the equivalent scope thereof, as included in the technology disclosed in the present application.

1 Management system 10 Server device 11 Communication unit 12 Storage unit 13 Control unit 20A, 20B, 20C Terminal 121 Amount information storage unit 122 Usage history information storage unit 131 Reception unit 132 Notification unit 133 Deposit / withdrawal control unit

Claims (9)

In a management system having a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and a management device for managing electronic money in the plurality of types of currencies.
The billing terminal device uses the billing service of the application to send a billing notification in which the billing destination, the type of the first currency to be billed, and the billing amount are set.
The billing destination terminal device sends a payment notice that sets a second currency type for paying the billing amount according to the billing service of the application.
The management device is
Upon receiving the billing notification, a notification unit that notifies the billing destination terminal device of the billing notification, and a notification unit.
When the payment notification is received from the terminal device of the billing destination, the amount in the second currency corresponding to the billing amount in the first currency is obtained based on the exchange rate, and the obtained amount is charged. It is deducted from the balance of the electronic money of the second currency among the electronic money charged by the terminal device, and the billing source terminal device is charged according to the electronic money deduction process in the billing destination terminal device. A deposit / withdrawal control unit that adds the billed amount to the first currency of the electronic commerce payment system
A management system characterized by having. The management system according to claim 1, wherein the billing destination terminal device sets the type of the second currency according to a predetermined setting condition according to the billing service of the application. The terminal device of the billing destination according to claim 1 or 2, wherein as the second currency type, a currency having an exchange rate more advantageous than other currencies is set among a plurality of currencies. Management system. The deposit / withdrawal control unit is characterized in that when a deposit operation is performed, it receives a designation of a currency type from the terminal device and controls to deposit electronic money of the accepted type of currency. The management system according to any one of claims 1 to 3. In a management system having a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and a management device for managing electronic money in the plurality of types of currencies.
The remittance source terminal device uses the remittance service of the above application to send a remittance setting notification that sets the remittance destination, the type of the first currency to be remitted, and the remittance amount.
The management device is
When the remittance setting notification is received from the remittance source terminal device, if the balance of the electronic money in the first currency among the electronic money charged by the remittance source terminal device is equal to or greater than the remittance amount, the first If the remittance amount is subtracted from the electronic money of the first currency and the balance of the electronic money of the first currency is less than the remittance amount, the terminal device of the remittance source will be charged by the insufficient amount based on the exchange rate. After exchanging the electronic money of another currency of the electronic money to be charged into the first currency, the remittance amount is subtracted from the electronic money of the first currency, and the electronic money is deducted in the terminal device of the remittance source. A management system comprising a deposit / withdrawal control unit that adds the remittance amount to the first currency among the electronic money charged by the terminal device of the remittance destination. The management according to claim 5, wherein the terminal device of the remittance source sets, as the first currency type, a currency having an exchange rate more advantageous than other currencies among a plurality of currencies. system. The deposit / withdrawal control unit is characterized in that when a deposit operation is performed, it receives a designation of a currency type from the terminal device and controls to deposit electronic money of the accepted type of currency. The management system according to claim 5 or 6. It is a management method executed by a management system having a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and a management device for managing the electronic money in the plurality of types of currencies.
A process in which the terminal device of the billing source uses the billing service of the application to send a billing notification in which the billing destination, the type of the first currency to be billed, and the billing amount are set.
A step of transmitting a payment notification in which the terminal device of the billing destination sets a second currency type for paying the billing amount according to the billing service of the application.
When the management device receives the billing notification, the step of notifying the billing destination terminal device of the billing notification, and
When the management device receives the payment notification from the billing destination terminal device, the management device obtains and obtains the amount in the second currency corresponding to the billing amount in the first currency based on the exchange rate. The amount is subtracted from the balance of the electronic money of the second currency among the electronic money charged by the terminal device of the billing destination, and the billing source is in accordance with the electronic money deduction process of the terminal device of the billing destination. The process of adding the billed amount to the first currency of the electronic money charged by the terminal device of
A management method characterized by including. It is a management method executed by a management system having a terminal device equipped with an application capable of charging electronic money in a plurality of types of currencies and a management device for managing the electronic money in the plurality of types of currencies.
The process in which the remittance source terminal device uses the remittance service of the application to send a remittance setting notification that sets the remittance destination terminal device, the type of the first currency to be remitted, and the remittance amount.
When the management device receives the remittance setting notification from the remittance source terminal device, the balance of the electronic money in the first currency among the electronic money charged by the remittance source terminal device is equal to or greater than the remittance amount. The remittance amount is subtracted from the electronic money of the first currency, and if the balance of the electronic money of the first currency is less than the remittance amount, the insufficient amount of the remittance is based on the exchange rate. The process of exchanging the electronic money of another currency of the electronic money charged by the original terminal device into the first currency and then subtracting the remittance amount from the electronic money of the first currency.
A step of adding the remittance amount to the first currency among the electronic money charged by the terminal device of the remittance destination according to the step of the management device to subtract.
A management method characterized by including.

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