JP2022042378A - Electronic value management device, program, method for managing electronic value - Google Patents

Abstract

To provide an electronic value management device, a program, and a method for managing an electronic value that can pay a sales amount to an affiliated store highly frequently.SOLUTION: An electronic value management device 101 includes: a claim information acquisition unit 204 for acquiring claim information on accounts receivable held by an affiliated store; a price provision unit 205 for providing an electronic value to a user as a price of acquisition of accounts receivable on the basis of the claim information; and a value using unit 206 for receiving a request to use an electronic value from the user and performing processing to use the electronic value on the basis of the request.SELECTED DRAWING: Figure 2

Description

The present invention relates to an electronic value management device, a program and an electronic value management method.

There are various types of cashless payment methods that do not use cash in the settlement of commercial transactions. In cashless payment, it is required to shorten the payment cycle from the generation of sales to the payment of the sales amount to the member store and increase the frequency of payment from the viewpoint of improving the convenience of the member store. Has been done. In Patent Document 1, in the payment using a debit card, the sales amount is paid to the member store by executing the transfer to the member store's account together with the immediate debit from the user's account. The immediate settlement system to be performed is disclosed.

Japanese Unexamined Patent Publication No. 2019-53365

Even in a settlement system in which deposits are made to a member store's account in a short period of time, the account is managed by each bank's system or an interbank network system (so-called "Zengin system"). Access to an account, including access to the operator's own account by a cashless payment operator including a credit card operator for transfer to the account of a member store, incurs a fee to the bank or the like. Therefore, when payments are made frequently, the fees paid to the bank or the like that manages the account increase, and it is difficult to increase the frequency of payments.

Therefore, an object of the present invention is to provide an electronic value management device, a program, and an electronic value management method capable of frequently paying a sales amount to a member store.

The electronic value management device according to one aspect of the present invention includes a receivable information acquisition unit that acquires receivable information related to accounts receivable held by the user, and electronically as a consideration for the acquisition of receivables based on the receivable information. It includes a consideration providing unit that provides the target value to the user, and a value using unit that accepts the user's request for the use of the electronic value and performs processing for using the electronic value based on the request.

In the above aspect, the value use unit may receive a cashing request for electronic value as a request from a user, perform a payment process based on the cashing request from the user, and use the electronic value.

In the above embodiment, the user is the first user, and the value use unit accepts a request for use of the electronic value held by the first user and transfers the electronic value from the first user to the second user. By doing so, electronic value may be used.

In the above aspect, the value use unit is a settlement unit that accepts a request and setstles the commercial transaction in a commercial transaction in which the first user is the payer of the electronic value and the second user is the recipient of the electronic value. You may prepare.

In the above aspect, the value use unit may receive a cashing request for electronic value as a request from a second user, perform a payment process based on the cashing request from the second user, and use the electronic value.

In the above aspect, the value use unit is a payer in which the first user pays the salary using the electronic value, and the second user receives the request in the salary payment in which the second user is the recipient of the salary, and the first user. A salary payment unit, which pays salaries to a second user, may be provided.

In the above embodiment, the electronic value is the first electronic value, and the value use unit further comprises a second electronic value management unit that provides the user with a second electronic value based on the first electronic value. The second electronic value management unit may settle the commercial transaction between the customer and the user who has received the second electronic value from the user based on the second electronic value.

In the above embodiment, the electronic value management device obtains an instruction from an external server to increase the user's electronic value holding amount by a value different from the electronic value, and updates the user's electronic value holding amount. It may be further equipped with a payment reception unit.

In the program according to another aspect of the present invention, the computer acquires the receivable information related to the receivables held by the user, the receivable information acquisition process, and the consideration for the acquisition of the receivables based on the receivable information. The consideration provision process for providing the electronic value to the user and the value use process for using the electronic value based on the request received by the user for the use of the electronic value are executed.

In the electronic value management method according to another aspect of the present invention, the computer acquires the receivable information regarding the receivables held by the user, and based on the receivable information, as a consideration for the acquisition of the receivables. It includes providing the electronic value to the user, accepting the user's request for the use of the electronic value, and using the electronic value based on the request.

According to the present invention, it is possible to provide an electronic value management device, a program, and an electronic value management method capable of frequently paying a sales amount to a member store.

It is a schematic diagram of the electronic value management system which concerns on this embodiment. It is a block diagram of the electronic value management apparatus which concerns on this embodiment. This is an example of information indicating the amount of electronic value held by each member store. This is an example of sales information for each member store. It is a figure explaining payment to a member store by electronic value and use of electronic value which concerns on this Embodiment. It is a figure explaining the cash process of the electronic value based on the electronic value which concerns on this embodiment. It is a figure explaining the transfer of the electronic value based on the electronic value which concerns on this embodiment. It is a figure explaining salary payment by the electronic value based on the electronic value which concerns on this embodiment. It is an example of information indicating the electronic value paid in payroll. It is a figure explaining the use of the 2nd electronic value based on the electronic value which concerns on this embodiment. It is an example of information for managing a second electronic value based on an electronic value.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

FIG. 1 shows a schematic diagram of the electronic value management system 10 according to the present embodiment. The electronic value management system 10 includes an electronic value management device 101, member store terminals 102a and 102b, and a payment management device 103. When there is no particular need to distinguish, the member store terminals 102a and 102b are referred to as member store terminals 102. Here, the member store means a business operator that uses a cashless payment service that enables cashless payment with a customer. In this embodiment, two member store terminals 102 are shown, but the number of member store terminals 102 is not limited to this.

The electronic value management device 101 is communicably connected to the member store terminal 102 and the payment management device 103 through the network N. The electronic value management device 101 is an information processing device that manages electronic value by executing a process described later by executing a predetermined program. The electronic value management device 101 is, for example, a server connected to the network N.

The electronic value management device 101 pays the sales to the member store of the cashless payment service by the electronic value. In addition, the electronic value management device 101 performs processing for using the electronic value owned by the member store. The electronic value can be, for example, payment with another member store, monetization by cashing based on the electronic value, payment of salary to the employee of the member store by the electronic value, or the member store to the customer. It is used by allocating the points (second electronic value) to be issued to the resources.

In this embodiment, as an example of cashless payment, a case of payment using a credit card will be described. As a cashless payment method, for example, various methods using a two-dimensional code, a payment device linked to a credit card, a debit card, or the like can be adopted.

When conducting a commercial transaction between a member store and a customer who is a recipient of goods or services by cashless settlement, the member store provides the goods or services to the member store to the customer. A claim for the price is generated. In the present embodiment, the receivables that the member store charges the customer for are called accounts receivable.

Payment of sales to a member store in ordinary credit card payment is made by the credit card operator receiving the transfer of accounts receivable from the member store and paying the transfer price of the receivables as consideration to the member store. In other words, the member store has a claim to be provided with consideration for the transfer of the accounts receivable, and the credit card operator pays the transfer price to the member store based on the claim. .. The credit card business makes a claim to the customer based on the accounts receivable acquired from the member store.

The electronic value management device 101 enables payment by electronic value from the credit card business operator to the member store based on the credit card business operator's debt generated by the transfer of the accounts receivable. , Pay the sales amount of the member store.

In this embodiment, as an example of electronic value, an electronic coin issued by a credit card operator will be used. The electronic value management device 101 can manage the exchanged state of coins at each member store and settle the debt-credit relationship generated in the commercial transaction between the member stores. The coin may be in the form of being managed by recording the balance in the electronic value management device 101, or may be in the form of a cryptographic asset issued by the credit card operator on the blockchain network.

Alternatively, the electronic value may be a digital security that electronically indicates a claim to a credit card operator. The electronic value management device 101 can manage the transfer status of digital securities at each member store and settle the debt-credit relationship generated in the commercial transaction between the member stores. Digital securities may be in the form of electronic bonds managed by recording the balance in the electronic value management device 101, or in the form of security tokens issued by credit card operators on the blockchain network. There may be.

The member store terminal 102 is a computer operated by the manager or the like of each member store in order to use the electronic value possessed by each member store. The member store terminal 102 is, for example, a desktop type or notebook type personal computer. Alternatively, it may be a smartphone or a tablet terminal. That is, any terminal that can communicate with the electronic value management device 101 and can input / output various information may be used.

The manager or the like of the member store accesses the electronic value management device 101 through the member store terminal 102 by using their respective IDs and passwords, and performs a predetermined operation to use the electronic value. For example, the electronic value management device 101 accepts a request for use of electronic value or the like through a portal site provided for each member store. Further, the member store terminal 102 may be connected to a terminal that realizes a function required for cashless payment, for example, a credit card reading terminal.

The payment management device 103 is an information processing device such as a server that manages cashless payment at each member store. For example, the payment management device 103 acquires information necessary for payment from a credit card reading terminal, performs payment processing, and records the sales of the member store.

Each part of the electronic value management device 101 will be described with reference to FIG. The electronic value management device 101 includes a communication unit 201, a storage unit 202, a value management unit 203, a credit information acquisition unit 204, a consideration providing unit 205, a value using unit 206, and a payment receiving unit 207. Each part of the electronic value management device 101 can be realized, for example, by using a storage area such as a memory in the electronic value management device 101 or by executing a program stored in the storage area by a processor. can.

The communication unit 201 controls communication through a network with an external terminal of the electronic value management device 101 and an information processing device.

The storage unit 202 stores various types of information used for processing in the electronic value management device 101.

The value management unit 203 manages the amount of electronic value held by each member store or a user other than the member store. FIG. 3 shows an example of information for managing the holding amount of electronic value recorded in the value management unit 203. The information shown in FIG. 3 has items of "member store name", "member store ID", "user name", "user ID", and "electronic value holding amount". The name of each member store is recorded in the item of "member store name". In the item of "member store ID", an ID for identifying each member store is recorded. The user's name is recorded in the "user name" item. In the item of "user ID", an ID for identifying each user is recorded. In the item of "electronic value holding amount", the electronic value holding amount of each member store or each user is recorded.

For example, a member store whose "member store ID" is "ID001" manages the member store terminal 102a, and a member store whose "member store ID" is "ID002" manages the member store terminal 102b. FIG. 3 shows an example in which the amount of electronic value held in the unit of "XXX coin" is recorded.

The receivable information acquisition unit 204 acquires receivable information regarding the accounts receivable of the member store collected by the cashless business operator. The receivable information acquisition unit 204 acquires, for example, sales information stored in the settlement management device 103 as receivable information related to accounts receivable.

FIG. 4 shows an example of sales information referred to by the bond information acquisition unit 204. The sales information has items of "member store name", "member store ID", "sales ID", and "sales amount". In the item of "sales ID", an ID that identifies the commercial transaction that generated the sales of each member store is recorded. In the item of "sales amount", the sales amount, which is the amount of accounts receivable, is recorded.

The receivable information acquisition unit 204 receives a request for exchange of accounts receivable from the member store through the member store terminal 102. Credit information acquisition department 204. With reference to the payment management device 103, the credit information about the member store is acquired as the sales information of the member store based on the "member store ID" of the member store that made the request. The bond information acquisition unit 204 may acquire the entire sales information recorded in the settlement management device 103 as bond information, or may acquire a portion of the sales information necessary for providing electronic value as bond information. .. Further, the sales or a part of the sales in the period set by the member store side of the sales information may be acquired as the credit information.

The credit information acquisition unit 204 may acquire information about the customer of the commercial transaction that generates the sales together with the sales information and use it for the final billing to the customer.

The consideration providing unit 205 provides the member store with electronic value as consideration for the acquisition of the accounts receivable based on the receivable information acquired by the receivable information acquisition unit 204. The provision of electronic value by the consideration providing unit 205 is performed by increasing the holding amount of the electronic value of each member store stored in the value management unit 203. Payment of sales to member stores is realized by providing electronic value by the consideration providing unit 205.

For example, in FIG. 4, the sales amount of the member store A is 1000 yen and 2000 yen. In this case, the consideration providing unit 205 provides the member store A with an electronic value (XXX coin in FIG. 3) equivalent to 3000 yen, which is the total sales amount. The unit of electronic value may be aligned with the currency unit, or may be a unit different from the currency unit and converted based on the conversion rate.

The value use unit 206 receives a request for the use of the electronic value by the member store holding the electronic value, and performs processing for using the electronic value based on the request. The value use unit 206 has a cashing unit 2061, a settlement unit 2062, a payroll unit 2063, and a point management unit 2064. The value use unit 206 displays information necessary for using the electronic value to the manager of the member store, and in order to accept various operations through the member store terminal 102, for example, the screen of the portal site is displayed on the member store terminal 102. To display.

The cashing unit 2061 receives a cashing request for the electronic value held by the member store from the member store, and performs payment processing based on the cashing request from the member store. The cashing unit 2061 processes the deposit from the bank account of the issuer of the electronic value, that is, the credit card operator, to the bank account of the member store.

As an example, the cash exchange unit 2061 performs deposit processing through the bank API (Application Programming Interface) of each bank holding each bank account. The bank API is an interface used by software components to interact with each other in order to individually service existing functions such as fund transfer and balance inquiry and use them from an external application.

Upon receiving the cashing request, the cashing department 2061 transfers a predetermined amount from the credit card operator's account to the bank account held by the member store using the bank API of the bank that manages the credit card operator's bank account. Instruct the processing to the server of the bank that manages the bank account of the credit card operator. In response to the instruction, the bank server performs the transfer processing of the predetermined amount.

Alternatively, the cashing unit 2061 may give a payment instruction to a payment instruction service provider (PISP: Payment Initiation Service Provider) that provides a service for instructing a bank to make a payment or transfer funds through a bank API. May be good.

As another example, the cash exchange department 2061 sends transfer data indicating a transfer from a credit card operator's bank account to a member store's bank account to a bank server through the electronic banking service of each bank to process the deposit. conduct. Alternatively, the cash exchange unit 2061 may transmit the transfer data to the device of the transfer agency service provider to perform the deposit processing in order to perform the transfer through the provider that provides the transfer agency service.

When the payment process is performed by the cash exchange unit 2061, the electronic value is converted into cash by the member store, and the member store can use the sales as cash.

Further, the cashing unit 2061 can receive a cashing request for electronic value from a user other than the member store and perform the payment processing in the same manner as described above. As a result, even when the electronic value is transferred to a user other than the member store, the electronic value can be cashed.

The settlement unit 2062 accepts a request for the use of electronic value in a commercial transaction in which the member store is the payer of the electronic value and the other member store is the recipient of the electronic value, and setstles the commercial transaction. The settlement unit 2062 receives, for example, a payment instruction to another member store using the electronic value of the member store through the member store terminal 102a. The settlement unit 2062 transfers the electronic value of the member store that manages the member store terminal 102a to another member store that manages the member store terminal 102b based on the instruction from the member store terminal 102a. The transfer of electronic value is performed by the settlement unit 2062 updating the holding amount of electronic value of each member store stored in the value management unit 203.

Further, the settlement unit 2062 can receive a request for use of electronic value from a user other than the member store, and can make a payment between the user other than the member store and the member store in the same manner as described above. As a result, even when the electronic value is transferred to a user other than the member store, it is possible to transfer the electronic value and make a payment.

The salary payment unit 2063 is a payer whose member store pays salary using electronic value, and is a member in the salary payment in which a user other than the member store who receives the salary from the member store is the recipient of the salary. Accept requests from stores to use electronic value and pay salaries from merchants to users. The user who has received the salary accesses the electronic value management device 101 using a user terminal or the like, cashes the electronic value through the cashing unit 2061, and makes a payment by the electronic value through the settlement unit 2062. Can be done. The payroll unit 2063 can realize the payroll function. The user who received the salary payment may be able to perform cashing and settlement using the payroll card.

The point management unit 2064 provides, for example, points to the member store as a second electronic value based on the electronic value held by the member store. The point management unit 2064 setstles the commercial transaction with the member store by the customer who received the points provided by the member store based on the provided points.

The point management unit 2064 records the balance of points of each customer of each member store. The points owned by the customer cannot be redeemed by the cashing unit 2061 or used for payment by the payment unit 2062, and can be used only for payment with the member store that issued the points. That is, the points can be used as loyalty points that induce a customer of a member store to use the member store again.

The points are not limited to the use as loyalty points, and the customer who receives the points may transfer the value to another point based on the points. The customer may, for example, exchange the point for another point.

The point management unit 2064 may update by subtracting the holding amount of the electronic value of the member store stored in the value management unit 203 at the same time as issuing the points. Alternatively, the point management unit 2064 may tentatively issue points without subtracting the holding amount of the electronic value of the member store stored in the value management unit 203 at the same time as issuing. In this case, the point management unit 2064 subtracts and updates the amount of electronic value held by the member store at the timing when the points are used by the member store. As a result, the electronic value is not deducted when the points are issued to the customer, so that the merchant can secure the amount of electronic value that he / she can manage. In addition, the points are provided with a usage period, and the point management unit 2064 expires the points after a certain period of time, and adds the amount of electronic value held by the member store stored in the value management unit 203. You may update it.

The payment reception unit 207 obtains an instruction from an external server to increase the holding amount of the electronic value of the member store by a value different from the electronic value managed by the electronic value management device 101, and electronically of the member store. Update the value balance. This makes it possible to convert other electronic values into electronic values managed by the electronic value management device 101 and use them.

The outline of the processing in the electronic value management system 10 will be described with reference to FIG.

In step S501, the member store terminal 102 requests the electronic value management device 101 to exchange the accounts receivable owned by the member store for the electronic value.

In step S502, the credit information acquisition unit 204 acquires the credit information of the member store with reference to the settlement management device 103.

In step S503, the consideration providing unit 205 electronically informs the member store by updating the holding amount of the electronic value managed by the value management unit 203 based on the bond information acquired by the bond information acquisition unit 204. Provide value.

In step S504, the merchant terminal 102 accesses the electronic value management device 101 for the use of electronic value.

In step S505, the value use unit 206 generates information for the merchant to display a screen for the use of electronic value.

In step S506, the value use unit 206 transmits the generated information to the member store terminal 102. In step S507, the merchant terminal 102 displays a screen for the use of electronic value.

In step S508, the member store terminal 102 transmits a request for use of the electronic value acquired by the operation through the displayed screen to the electronic value management device 101.

In step S509, the value use unit 206 performs a process for using the electronic value. The processing for using the electronic value is cash processing, settlement processing, salary payment processing, point management processing, etc., which will be described later.

The cashing process by the cashing unit 2061 will be described with reference to FIG.

In step S601, the member store terminal 102 transmits an electronic value redemption request to the electronic value management device 101. The redemption request includes information on the redemption amount required by the merchant and information indicating the account to which the deposit is made.

In step S602, the cash exchange unit 2061 instructs the bank server 601 of the bank that manages the bank account of the credit card operator, which is the issuer of the electronic value, to make a deposit based on the acquired cash amount and the account information of the deposit destination. To send. In addition, the cashing unit 2061 subtracts the electronic value equivalent to the cashing amount from the amount held by the member store.

In step S603, the bank server 601 performs a transfer process to the deposit destination account of the member store according to the exchange amount. At this time, the transfer process may be performed in consideration of the fee. This completes the conversion of electronic value into cash.

The settlement process by the settlement unit 2062 will be described with reference to FIG. 7. Here, the payment from the member store A to the member store B by the electronic value held by the member store A will be described.

In step S701, the member store terminal 102a transmits a request for payment processing by electronic value to the electronic value management device 101. The request transmitted by the member store terminal 102a includes information on the member store ID and payment amount of the member store to be paid.

In step S702, the settlement unit 2062 updates the holding amount of the electronic value recorded in the value management unit 203, and transfers the electronic value of the member store A to the member store B. The settlement unit 2062 transfers the electronic value by subtracting the electronic value equivalent to the payment amount from the holding amount of the member store A and adding the holding amount of the member store B. Settlement is completed by the transfer of electronic value. The request for receiving the electronic value of the member store A may be transmitted from the member store terminal 102b.

The salary payment process by the salary payment unit 2063 will be described with reference to FIGS. 8 and 9. Here, a case where the member store A pays salaries by electronic value to the employees of the member store A will be described as an example. It is assumed that the employee of the member store A has been issued a user ID as a user other than the member store in the electronic value management device 101.

In step S801, the member store terminal 102a transmits a request for payroll processing by electronic value to the electronic value management device 101. The request transmitted by the merchant terminal 102a includes information on the user ID of the user to be paid and the amount of electronic value paid to the user, as shown in FIG.

In step S802, the salary payment unit 2063 updates the holding amount of the electronic value recorded in the value management unit 203, and transfers the electronic value of the member store A to the user who receives the salary payment from the member store A. The payroll unit 2063 transfers the electronic value by subtracting the electronic value to be paid from the holding amount of the member store A and adding the holding amount of the electronic value of each employee. The transfer of electronic value completes the salary payment.

The point management process by the point management unit 2064 will be described with reference to FIGS. 10 and 11.

Here, an example will be described in which the member store A issues a large amount of points based on the electronic value, gives points to the customers of the member store A, and uses the points.

In step S1001, the member store terminal 102a transmits a request for issuing points by electronic value to the electronic value management device 101. The request transmitted by the member store terminal 102a includes information on the amount of points issued.

In step S1002, the point management unit 2064 issues points based on the electronic value of the member store A to the member store A. The point management unit 2064 issues points by subtracting the electronic value that is the source of the point issuance from the holding amount of the member store A and adding the holding amount of the points. The issued points are associated with the member store A and stored in the point management unit 2064.

In step S1003, the member store terminal 102a transmits the customer identification information of the member store and the information regarding the point grant to the customer to the electronic value management device 101 in order to distribute the points to the customers. That is, the member store terminal 102a transmits information indicating how much points are given to which customer to the electronic value management device 101. The points may be given, for example, based on the purchase of goods or the use of services by a customer at a member store, may be given when the customer visits the store, or may be given as a promotion. This process may be performed each time a payment is made with a customer at a member store, or may be performed at regular intervals based on a set of payment records.

In step S1004, the point management unit 2064 updates the balance of points of the customer of the member store A based on the information acquired from the member store terminal 102a. FIG. 11 shows an example of each customer's points stored in the point management unit 2064. In the information shown in FIG. 11, the customer identification information is the information shown as the "customer ID". The customer ID may be an ID generated by the member store terminal 102 or an ID generated by the point management unit 2064 based on the customer information managed by the member store.

In step S1005, when the customer uses the points in a commercial transaction with the customer, the member store terminal 102a transmits information regarding the use to the electronic value management device 101. The information transmitted by the member store terminal 102a includes customer identification information of the customer who used the points and the usage amount.

In step S1006, the point management unit 2064 updates the balance of points of the customer of the member store A based on the information regarding the use of points. Specifically, the point balance of the customer who used the points is subtracted by the usage amount. By renewing the points, payment using the points is completed. In addition to the form of issuing and granting points after batch issuance as described here, points can also be issued and given by the point management unit 2064 each time a transaction is made. good.

The present embodiment has been described above. It is also possible to view the electronic value held by each member store as a claim that receives cash payment from a cashless business operator. The electronic value management device 101 may enable the member store to raise funds through a factoring service for collecting the receivables. Further, the electronic value management device 101 may enable the accounting process of the member store through the accounting service by using the electronic value in the member store. The factoring service and the accounting service may be provided by the electronic value management device 101, or may use an external service.

The electronic value management device 101 according to the present embodiment has a receivable information acquisition unit 204 for acquiring receivable information related to accounts receivable held by a member store, and a consideration for acquiring receivables based on the receivable information. It includes a consideration providing unit 205 that provides an electronic value to a user, and a value using unit 206 that receives a request from the user for the use of the electronic value and performs processing for using the electronic value based on the request. ..

Based on the receivable information acquired by the receivable information acquisition unit 204, the consideration providing unit 205 provides electronic value as consideration for acquiring the accounts receivable of the member store. When a cashless payment business operator that manages the electronic value management device 101 acquires accounts receivable from a member store, it can allocate the electronic value to the payment. Merchants can use the electronic value paid using the Value Use Unit 206.

As a result, when a cashless payment business operator deposits money from its own account to the account of a member store, it is possible to avoid paying a fee to a bank or the like. Therefore, the electronic value management device 101 makes it possible to pay the sales amount to the member store with high frequency while suppressing the increase in the commission due to the high frequency of the payment cycle.

In the value use unit 206, the cashing unit 2061 may receive an electronic value cashing request as a request from a member store, perform a payment process based on the cashing request from the user, and use the electronic value.

As a result, when the member store that has received the sales price by the electronic value makes a cashing request at an arbitrary timing, the electronic value management device 101 performs a deposit process for depositing the cashing amount to the member store's account. conduct. Therefore, since the member store can cash the electronic value at any time of the member store, it is necessary to improve the convenience of the member store while increasing the frequency of payment cycles from cashless businesses. Is possible.

The value use unit 206 accepts the request for the use of the electronic value held by the member store, and transfers the electronic value from the member store to another member store or a user other than the member store to obtain the electronic value. You may use it.

As a result, the member store can transfer the electronic value to another member store or a user other than the member store, and pay by a method different from the means such as transfer that requires access to the account. can.

In the commercial transaction in which the member store is the payer of the electronic value and the other member store or a user other than the member store is the recipient of the electronic value, the value use unit 206 accepts the request and setstles the commercial transaction. The unit 2062 may be provided.

As a result, the electronic value management device 101 can settle commercial transactions using electronic values between member stores. Further, the electronic value management device 101 can enable payment using the electronic value of each person even in a commercial transaction between a user other than the member store holding the electronic value and the member store.

The value use unit 206 accepts an electronic value redemption request as a request from another member store or a user other than the member store, and manages the deposit account of the other member store or the user other than the member store. The electronic value may be used by instructing the deposit processing based on the cashing request.

As a result, other member stores or users other than the member stores who have acquired the electronic value by receiving payment of the electronic value from the member store can monetize each electronic value through the electronic value management device 101. It will be possible to do. In addition, since it is possible to ensure cashability for other member stores or users other than member stores, the use of settlement of commercial transactions using electronic values is promoted. Therefore, the member store can be motivated to receive the payment of the sales price by the electronic value by using the electronic value management device 101.

The value use unit 206 is a payer in which the member store pays salary using electronic value, and the employee of the member store receives a request in the salary payment in which the employee of the member store is the recipient of the salary, and the employee from the member store receives the request. A salary payment unit 2063, which pays salaries to the company, may be provided.

As a result, the member store does not need to provide a procedure for making a transfer to the employee's account when paying the salary, so that the fee burden of the member store is reduced. Therefore, the member store can be motivated to receive the payment of the sales price by the electronic value by using the electronic value management device 101.

The value use unit 206 further includes a point management unit 2064 that provides points based on electronic value to the user, and the point management unit 2064 is a commercial transaction that a customer who receives points from a member store conducts with a member store. Payment may be made based on points.

As a result, the member store can issue loyalty points based on the electronic value that induce the customer to use the member store again. By making it possible to issue points based on electronic values and performing settlement processing of commercial transactions based on points with the electronic value management device 101, it is possible to facilitate the management of points by member stores.

The electronic value management device 101 obtains an instruction from an external server to increase the holding amount of the electronic value of the member store or a user other than the member store by a value different from the electronic value, and the electronic value of the user. It also has a payment reception unit 207, which updates the holding amount. As a result, the electronic value managed by the electronic value management device 101 can be charged by other electronic values, so that the convenience of the user of the electronic value management device 101 is improved.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element provided in the embodiment and its conditions and the like are not limited to those exemplified, and can be appropriately changed. Further, it is possible to partially replace or combine the configurations shown in different embodiments.

10 ... Electronic value management system, 101 ... Electronic value management device, 102a, 102b ... Merchant terminal, 103 ... Payment management device, 201 ... Communication unit, 202 ... Storage unit, 203 ... Value management department, 204 ... Credit information Acquisition department, 205 ... Consideration provision department, 206 ... Value use department, 2061 ... Cashing department, 2062 ... Settlement department, 2063 ... Salary payment department, 2064 ... Point management department, 207 ... Payment reception department

Claims (10)

The receivable information acquisition department that acquires receivable information related to accounts receivable held by the user,
A consideration providing unit that provides electronic value to the user as consideration for the acquisition of the accounts receivable based on the receivable information.
A value use unit that accepts a request for use of the electronic value by the user and performs processing for using the electronic value based on the request.
An electronic value management device equipped with. The electronic value management device according to claim 1.
The value use unit is an electronic value management device that receives an electronic value cashing request from the user as the request, performs a payment process based on the cashing request from the user, and uses the electronic value. The electronic value management device according to claim 1 or 2.
The user is the first user
The value use unit accepts a request for use of the electronic value held by the first user, and transfers the electronic value from the first user to the second user to obtain the electronic value. Electronic value management device to use. The electronic value management device according to claim 3.
The value use department
An electronic device comprising a settlement unit that accepts the request and settles the commercial transaction in a commercial transaction in which the first user is the payer of the electronic value and the second user is the recipient of the electronic value. Value management device. The electronic value management device according to claim 3.
The value use unit receives the electronic value cashing request as the request from the second user, performs a payment process based on the cashing request from the second user, and uses the electronic value electronically. Value management device. The electronic value management device according to any one of claims 3 to 5.
The value use department
The first user is a payer who pays a salary using the electronic value, and the second user receives the request in a salary payment in which the second user is a recipient of the salary, and the first user gives the first user. 2 An electronic value management device comprising a salary payment unit for paying the salary to a user. The electronic value management device according to any one of claims 1 to 6.
The electronic value is the first electronic value,
The value use unit further includes a second electronic value management unit that provides the user with a second electronic value based on the first electronic value.
The second electronic value management unit setstles a commercial transaction with the user by a customer who has been provided with the second electronic value by the user, based on the second electronic value. Value management device. The electronic value management device according to any one of claims 1 to 6.
A payment receiving unit that acquires an instruction from an external server for increasing the holding amount of the electronic value of the user by a value different from the electronic value and updates the holding amount of the electronic value of the user. An electronic value management device that is further equipped. On the computer
Receivable information acquisition processing to acquire receivable information related to accounts receivable held by the user,
Based on the receivable information, the consideration provision process for providing the electronic value to the user as the consideration for the acquisition of the accounts receivable,
A program that accepts a request for use of the electronic value by the user and executes a value use process for using the electronic value based on the request. The computer
Acquiring receivable information about accounts receivable held by the user,
To provide the user with an electronic value as consideration for the acquisition of the accounts receivable based on the receivable information.
An electronic value management method comprising accepting a request for use of the electronic value by the user and using the electronic value based on the request.

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