JP5690037B2 - Precious metal bullion stock support system, stock device, precious metal bullion stock support method, and computer program - Google Patents

Description

  The present invention relates to a system and method for handling precious metal bullion that is exchanged for points earned by a customer.

  Conventionally, businesses such as credit card companies, airlines, and department stores give points (points) to customers who use their services according to the transaction amount. Then, a premium is provided to the customer in accordance with the score acquired by the customer. Similarly, businesses that operate pachinko parlors also provide prizes according to the number of game balls or the like (number of balls or medals) acquired by the customer.

  In recent years, consumer needs have been diversified, and such businesses have prepared various prizes. For example, various prizes such as brand items such as bags, perfumes, watches or accessories, taste items such as cigarettes or coffee, and practical items such as tableware or daily goods are prepared.

In addition, an increasing number of consumers are interested in precious metal bullion such as gold, silver and platinum. As described in Patent Document 1, inexpensive plastic cards in which small pieces of precious metal bullion are embedded are easily and widely used as souvenirs and gifts. Therefore, it is conceivable that prizes containing precious metal bullion will be actively used in the future.
Japanese Patent No. 2905252

  Precious metal bullion is also owned for asset management purposes. However, prizes of precious metal bullion are placed in various forms of casings or decorated in various ways and cannot be easily traded.

  In view of such problems, an object of the present invention is to make it easier to trade precious metal bullion provided in exchange for points acquired by customers than ever before.

  The precious metal bullion stock support system according to an embodiment of the present invention includes a replacement amount designating unit for designating a replacement amount that is an amount of a precious metal bullion to be exchanged with a score obtained by a customer, An account designation receiving means for designating an account for depositing the designated exchange amount of the precious metal bullion, and the exchange quantity designated precious metal bullion designated by the exchange quantity designating means are designated by the account designating means. Depositing process requesting means for requesting an account management system for managing the account so as to perform the process of depositing into the account.

  Preferably, it is designated by the sale amount designation means for designating the account and the sale amount that is the amount to be sold of the precious metal bullion stocked in the account, and the sale quantity designation means. Sales processing request means for requesting the account management system to perform processing for selling the sale amount of the precious metal bullion stock stored in the account to a seller.

  Alternatively, it is possible to stock precious metal bullion other than the precious metal bullion exchanged for the points in the account, and the sale processing request means is the sale designated by the sale quantity designation means. The amount of precious metal bullion that has been deposited in the account based on a request from the deposit processing request means that is stocked in the specified account together with the amount sold, and that has not been sold. If not exceeded, request to sell the precious metal bullion of the sale amount.

  According to the present invention, precious metal bullion provided in exchange for points acquired by a customer can be traded more easily than before.

  1 is a diagram showing an example of the overall configuration of the noble metal giveaway transaction system 4, FIG. 2 is a diagram showing an example of the configuration of the POS terminal 1, FIG. 3 is a diagram showing an example of the configuration of the stock reception terminal 2, and FIG. These are figures which show the example of a structure of ATM3.

  As shown in FIG. 1, the noble metal giveaway transaction system 4 includes a POS (Point of Sales) terminal 1, a stock reception terminal 2, an ATM (Automatic Teller Machine) 3, and the like. The precious metal giveaway transaction system 4 is installed in a store such as a pachinko store or a pachislot store. And it is used in order to trade the precious metal prize G for exchange with the ball | bowl or medal which the customer (player) acquired. Hereinafter, the precious metal giveaway transaction system 4 installed in the store A which is a pachinko store will be described as an example.

  In store A, the value of each ball and each medal for exchange with a prize is determined. In general, precious metal prizes may contain several types of precious metal bullion, but in store A, 24 bullion (hereinafter simply referred to as “bullion”). Are provided to customers as precious metal giveaways G. The bullion is provided to the customer in a state of being stored in a plastic case for each predetermined mass (in grams). The precious metal giveaway G is wholesaled by the precious metal merchant B to the store A.

  The customer may take the precious metal prize G exchanged for a game ball such as a ball or medal to the home as it is, but have the financial institution C to which the precious metal merchant B is affiliated keep (preserve Can receive). However, in order to receive the deposit, the customer opens his / her own gold account in the financial institution C in advance and becomes a member of a protection deposit service. A member card RD is loaned from a precious metal merchant B or a financial institution C to a customer who has opened a gold account and registered as a member. The membership card RD stores the name, date of birth, address, and telephone number of the person in addition to the number of the gold account (gold account number) and the member ID. An IC card is used as the member card RD. When using a membership card, you must enter your PIN.

  The POS terminal 1 is installed at the counter of the store A and is used for exchanging balls or medals for prizes. The hardware configuration and software configuration of the POS terminal 1 are basically the same as those of an existing POS terminal for exchanging premiums at a pachinko parlor. In other words, in addition to the CPU, RAM, ROM, hard disk, keyboard, and display, software such as a barcode reader 10a and a printer 10b, and software for managing stock management of prizes are installed.

  Further, the POS terminal 1 includes a sales price information acquisition unit 101, a precious metal premium price calculation unit 102, a precious metal premium price storage unit 103, a replacement premium number calculation unit 104, a premium receipt issue processing unit 105, and the like as shown in FIG. A program and data for realizing the functions are installed. These programs and data are loaded into the RAM as required, and the programs are executed by the CPU.

  The stock reception terminal 2 is installed at a counter of the store A, and is used to deposit a precious metal prize G acquired by a customer in exchange for a ball or a medal with a financial institution C. As the stock reception terminal 2, for example, a personal computer is used. The stock acceptance terminal 2 includes a CPU, RAM, ROM, hard disk, display, NIC (Network Interface Card), and hardware such as a barcode reader 20a, a printer 20b, an IC card reader 20c, and a keyboard 20k. The

  Further, the stock acceptance terminal 2 is installed with programs and data for realizing functions such as the protection deposit request unit 201 and the confirmation receipt issue processing unit 202 shown in FIG. These programs and data are loaded into the RAM as required, and the programs are executed by the CPU.

  The stock acceptance terminal 2 can be connected to a system of the financial institution C (hereinafter referred to as “financial institution system 5”) via a communication line by the NIC.

  The ATM 3 is used for performing a procedure for selling a precious metal giveaway G deposited by a customer to his / her gold account to a financial institution C. The hardware configuration and software configuration of ATM 3 are basically the same as those of a conventional ATM for depositing and withdrawing cash. That is, in addition to the CPU, RAM, ROM, hard disk, and communication interface, it is configured by hardware such as the touch panel 30a, IC card reader / writer 30b, printer 30c, and cash payout unit 30d, for cash deposit and payout processing. Software is installed.

  Further, the ATM 3 includes a purchase price information acquisition unit 301, a purchase price information storage unit 302, a current price calculation unit 303, an application reception screen generation unit 304, a sale processing request unit 305, a payout control unit 306, and a transaction slip shown in FIG. A program and data for realizing functions such as the issue processing unit 307 are installed. These programs and data are loaded into the RAM as required, and the programs are executed by the CPU.

  The ATM 3 can be connected to the financial institution system 5 via a communication line by a communication interface.

  In addition, you may implement | achieve part or all of the function of each part shown in FIG.2, FIG3 and FIG.4 only by hardware, such as a circuit.

  In the following, details of the processing of each part of the POS terminal 1 shown in FIG. 2, each part of the stock acceptance terminal 2 shown in FIG. 3, and each part of the ATM 3 shown in FIG.

[Process when depositing precious metal prizes to financial institution C]
FIG. 5 is a diagram illustrating an example of the precious metal prize protection deposit data HA, FIG. 6 is a flowchart illustrating an example of a flow of processing when depositing a bullion, and FIG. 7 is a diagram illustrating an example of a stock confirmation receipt RC.

  In the POS terminal 1 of FIG. 2, the sales price information acquisition unit 101 includes sales price information 61 indicating a sales price (unit sales price) per unit mass (1 gram) of a bullion used for the noble metal prize G. Acquired from the system (for example, server) of the noble metal merchant B via the communication line

  In general, the price of bullion changes almost daily. Therefore, the sales price of bullion also changes accordingly. Also, in general, precious metal merchants announce the sales price of bullion on a daily basis. Accordingly, the sales price information acquisition unit 101 accesses the system of the precious metal merchant B every day when the precious metal merchant B announces the sales price of the bullion and acquires the sales price information 61.

  Each time the sales price information 61 is acquired by the sales price information acquisition unit 101, the precious metal premium price calculation unit 102 calculates the unit sales price indicated in the sales price information 61 and the mass of the bullion contained in the noble metal premium G. Based on this, the sales price (premium sales price Vb yen) per precious metal prize G is calculated. That is, when “Va yen / 1 gram” is shown in the sales price information 61 and the mass of the bullion contained in one noble metal prize G is “Mb gram”, it is calculated by “Vb = Va × Mb”. The

  The noble metal prize price storage unit 103 stores the prize sales price Vb each time the noble metal prize price calculation unit 102 calculates it. The previously calculated premium sales price Vb, that is, the old premium sales price Vb is deleted.

  The exchange prize number calculation unit 104 calculates the number of noble metal prizes G that can be exchanged for balls or medals acquired by the customer in the following procedure.

  When the customer acquires the ball or medal, the customer counts the number (the number of balls Np) or the number (the number of medals Nq) with a ball counter or a medal counter as usual. Then, the ball counting machine or the medal counting machine prints a barcode representing the counted number of balls Np or the number of medals Nq on the paper. Hereinafter, this sheet is referred to as “acquired number receipt RA”. In addition, the acquisition number receipt RA is printed with the name of the store A (store name), the date and time of issuance of the acquisition number receipt RA, and the like.

  Then, the customer goes to the counter with the paper, gives it to the store clerk of the store A, and requests exchange for the precious metal giveaway G. At this time, the member card RD is also handed over to the store clerk. The clerk causes the barcode reader 10a of the POS terminal 1 to read the barcode printed on the received paper.

Then, the exchange prize number calculation unit 104 calculates how many yen prizes can be exchanged with balls of Np or medals of Nq indicated by the barcode read by the barcode reader 10a. In other words, how many yen worth of these balls or medals is calculated. Hereinafter, this value is referred to as “ball medal value Vc (yen)”. When the value of the ball per ball is Vp (yen) and the value of the medal per sheet is Vq (yen), the ball medal is given by “Vc = Np × Vp” or “Vc = Nq × Vq”. A value Vc is calculated.

  Then, the prize sales price Vb stored in the noble metal prize price storage unit 103 is called to calculate how many noble metal prizes G the ball medal value Vc corresponds to. That is, if the number is Kc, “Kc = Vc / Vb” is calculated. However, if it is not divisible, only the integer part of the calculated value is the number Kc. Since the remaining handling is publicly known, the description is omitted.

  The prize receipt issuance processing unit 105 causes the printer 10b to execute a process of printing a barcode indicating the number Kc of the noble metal prizes G calculated by the replacement prize number calculation unit 104. Hereinafter, the printed matter obtained by the printer 10b is referred to as a “prize receipt RB”. The giveaway receipt RB serves as a description of the number Kc of the noble metal giveaway G. However, in this embodiment, the gift receipt RB is not handed over to the customer, but is held by the store clerk. Then, as will be described next, the store clerk performs an operation for depositing the bullion contained in the number Kc of the noble metal prize G in the customer's gold account using the prize receipt RB to the stock reception terminal 2.

  In addition to the above bar code, the number Kc, the name of the store A, and the issue date and time of the prize receipt RB are printed on the prize receipt RB by numbers and characters.

  In FIG. 3, the store clerk causes the IC card reader 20c of the stock acceptance terminal 2 to read the gold account number stored in the membership card RD delivered from the customer, and prints on the giveaway receipt RB issued by the POS terminal 1. The barcode reader 20a reads the barcode that has been read. Further, the customer is asked whether to keep all or only a part of the number Kc, and the number to be deposited is designated by the keyboard.

  Then, the protection deposit request unit 201 requests the financial institution system 5 to deposit the bullion contained in the number of noble metal prizes G designated by the keyboard. At this time, protection deposit request information 62 indicating the read gold account number and the total mass (total number of grams) of the bullion contained in the designated number of precious metal prizes G is transmitted to the financial institution system 5. . Note that the total mass of the bullion contained in the designated number of noble metal prizes G is calculated by calculating the product of the designated number and the mass of the bullion contained per noble metal prize G. .

  By the way, the financial institution system 5 manages a savings account, a checking account, a gold account, and the like established in the financial institution C. The hardware configuration and software configuration of the financial institution system 5 are basically the same as those of the conventional financial institution system. Further, the financial institution system 5 is provided with a member money account master MS in addition to an interface for communicating with the stock acceptance terminal 2 and the ATM 3.

  The member's money account master MS stores precious metal prize protection deposit data HA for each customer who is also a member of the service of the store A among the customers who have opened the money account of the financial institution C.

  In the precious metal prize protection deposit data HA, as shown in FIG. 5, in addition to the customer's gold account number and member ID, information on the bullion deposited (stocked) via the stock acceptance terminal 2 is shown. Yes.

  “Total number of grams in deposit” indicates the total mass (in grams) of the bullion deposited via the stock reception terminal 2 among the bullion currently deposited in the customer's gold account. The initial value of the total deposit gram number is “0”. Then, as will be described later, every time a bullion is deposited based on the protection deposit request information 62 from the stock acceptance terminal 2, the mass is added to the total number of grams deposited. Further, every time the bullion is sold based on the sale request information 65 (described later) from the ATM 3, the mass is subtracted from the total number of grams in deposit.

  In the “deposit history list”, a history of the stock (protection deposit) results made through the stock reception terminal 2 is shown. In this deposit history list, the past records of all stocks may be described, or only the latest few (for example, five) may be described.

  Returning to FIG. 4, the financial institution system 5 that has received the protection deposit request information 62 adds the total number of grams of bullion indicated in the protection deposit request information 62 to the gold account indicated in the protection deposit request information 62. The transfer process is performed according to the procedure shown in FIG.

  When the financial institution system 5 receives the protection deposit request information 62, the noble metal premium protection deposit data HA indicating both the gold account number and the member ID indicated in the protection deposit request information 62 from the member deposit account master MS. Is searched (# 1 in FIG. 6).

  If the precious metal prize protection deposit data HA is found (Yes in # 2), that is, if the existence of the customer's gold account as a member of the service of the store A can be confirmed, the gold account number indicated in the protection deposit request information 62 Is transferred to the gold account of the number of grams (total number of grams) indicated in the protection deposit request information 62. That is, a process for stocking the gram of bullion in the gold account is performed (# 3).

  Issue an identification number (deposit number) of the current stock (# 6), generate a record showing the deposit number, grams of bullion stock stocked this time, and the current date (deposit date), and add it to the deposit history list (# 7). However, in the case where the number of records in the deposit history list is determined and the deposit history list is already filled (No in # 4), after deleting the oldest record, in steps # 6 and # 7 Process.

  Add the number of grams of bullion stock stocked this time to the total number of grams stored in the precious metal prize protection deposit data HA (# 8).

  Then, a report to the effect that stock processing has been completed is made to the requesting stock acceptance terminal 2 (# 9). At this time, the stock completion report data 63 indicating the content of the record generated in step # 7 and the total number of deposits updated in step # 8 is transmitted to the stock reception terminal 2.

  On the other hand, if the precious metal prize protection data HA indicating both the gold account number and the member ID indicated in the protection deposit request information 62 is not found in step # 1 (No in # 2), an error message indicating that stocking is not possible. Is transmitted to the requesting stock acceptance terminal 2 (# 10).

  When receiving the stock completion report data 63 from the financial institution system 5 in the stock reception terminal 2, the confirmation receipt issuing processing unit 202 displays the name of the store A and the name of the financial institution C in addition to the information of each item indicated therein. The printer 20b is caused to execute processing for printing on paper. Hereinafter, the printed matter obtained by the printer 20b is referred to as a “stock confirmation receipt RC”. As shown in FIG. 7, it is desirable that at least the deposit number is converted into a barcode and printed.

  Then, the clerk hands over the stock confirmation receipt RC to the customer of the current exchange partner and returns the membership card RD. Further, the bullion deposited by the customer this time is transferred from the management of the store A to the management of the financial institution C.

[Process when customer sells bullion]
FIG. 8 is a diagram showing an example of the application reception screen HG, and FIG. 9 is a flowchart for explaining an example of the flow of processing at the time of selling a bullion.

  The customer can sell the bullion obtained as a free gift at the store A out of the bullion stocked in his / her gold account to the precious metal merchant B by operating the ATM 3. Next, the processing content of each part of ATM3 is demonstrated.

  In FIG. 4, the purchase price information acquisition unit 301 of ATM 3 displays purchase price information 64 indicating a price (unit purchase price) when the precious metal merchant B purchases a bullion per unit mass (1 gram) from a customer. Through the system of precious metal merchant B. The purchase price information 64 is stored in the purchase price information storage unit 302. As mentioned earlier, the price of precious metal bullion changes almost every day. Therefore, the purchase price information acquisition unit 301 accesses the system of the precious metal merchant B every day when the precious metal merchant B announces the purchase price of the bullion, and acquires the purchase price information 64.

  A customer who wishes to sell a bullion sets his / her member card RD in the IC card reader / writer 30b of ATM3. Then, the IC card reader / writer 30b reads the gold account number stored in the member card RD.

  The current price calculation unit 303 stores the bullion stock stored in the customer's gold account via the stock acceptance terminal 2 (hereinafter referred to as “premium bullion”). The current purchase price is calculated as follows.

  The noble metal premium protection deposit data HA (see FIG. 5) indicating the gold account number read by the IC card reader / writer 30b is downloaded from the member's money account master MS of the financial institution system 5. Then, the total purchase gram number indicated in the noble metal prize protection deposit data HA is multiplied by the unit purchase price indicated in the noble metal prize price calculation unit 102. This integrated value is the current purchase price of the premium bullion.

  The application reception screen generation unit 304 displays an application reception screen HG as shown in FIG. 8 on the touch panel 30a.

  On the application reception screen HG, the current unit purchase price of the bullion, the current purchase price of the customer's premium bullion, and the like are shown. In addition, a button is provided for designating how many grams of premium bullion will be sold or how many yen of premium bullion will be sold.

  The sale processing request unit 305 requests the financial institution system 5 to sell the prize stake for the amount designated by the customer on the application reception screen HG. At this time, the sales request information 65 indicating the amount (in grams) of the premium bullion to be sold, the customer's gold account number, and the member is transmitted to the financial institution system 5. However, the customer cannot specify an amount exceeding the total number of grams stored in the precious metal free gift protection deposit data HA. If you specify an amount that exceeds, you will be asked to specify it again.

  When the financial institution system 5 receives the sale request information 65, the financial institution system 5 executes the process of selling the customer's bullion based on the received request information 65 according to the procedure shown in FIG.

  The financial institution system 5 searches the noble metal premium protection deposit data HA (see FIG. 5) indicating both the gold account number and the member ID indicated in the sale request information 65 from the member's money account master MS (see FIG. 5). 9 # 21).

  When the precious metal prize protection deposit data HA is found (Yes in # 22), a process of subtracting the gram of bullion indicated in the sale request information 65 from the gold account number indicated in the sale request information 65 is performed. (# 23). That is, a process of purchasing the bullion from the customer is performed. Then, subtract the gram number indicated in the sale request information 65 from the total gram number of the precious metal prize protection deposit data HA (# 24), and report the completion of the processing after subtracting the bullion, from the requesting ATM3 (# 25).

  If the precious metal prize protection deposit data HA is not found (No in # 22), an error message indicating that the transaction (sale or purchase) cannot be performed is transmitted to the requesting ATM 3 (# 26).

  Returning to FIG. 4, when a report from the financial institution system 5 is received at the ATM 3, the transaction slip issuance processing unit 306 causes the cash payout unit so that cash for the current transaction amount is sent to the cash outlet. 30d is controlled. The transaction slip issuance processing unit 307 controls the printer 30c to print the result of the current transaction (the amount of the bullion traded and its amount, the transaction date and time, the name of the store A, etc.) on paper. And a customer receives cash and printed matter (receipt).

  The bullion sold is transferred from the management of the financial institution C to the management of the precious metal merchant B. The cost required for the sale is paid from the precious metal merchant B to the financial institution C.

  10 is a flowchart for explaining an example of the overall processing flow of the POS terminal 1, FIG. 11 is a flowchart for explaining an example of the overall processing flow of the stock acceptance terminal 2, and FIG. 12 is an overall processing of ATM3. It is a flowchart explaining the example of the flow of this.

  Next, the procedure of the overall processing of the POS terminal 1, the stock acceptance terminal 2, and the ATM 3 will be described with reference to FIG. 10, FIG. 11, and FIG. This will be described with reference to a flowchart.

  When the game is over, the customer Ux causes the ball counter or medal counter to count the acquired ball or medal, and goes to the counter with the acquired number receipt RA issued. Then, the acquired receipt RA and own member card RD are handed over to the store clerk, and the exchange to the precious metal prize G and the deposit to the own money account are requested.

  In accordance with the operation of the store clerk, the POS terminal 1 performs the process shown in FIG. The barcode printed on the acquired receipt RA is read (# 31). Then, the number Kc of noble metal prizes G that can be exchanged for balls or medals with the number of balls Np or the number of medals Nq indicated in the barcode is calculated (# 32), and a prize receipt RB indicating the number Kc and the like is issued (# 32). # 33).

  Subsequently, the stock reception terminal 2 performs the process shown in FIG. 11 according to the operation of the store clerk. The barcode printed on the prize receipt RB is read (# 41). The gold account number and the member ID are read from the member card RD received from the customer (# 42).

  Calculate the total mass of the bullion contained in the number Kc of the noble metal prize G indicated on the barcode (# 43), and financially store the bullion for the total mass in the gold account of the gold account number. Request is made to the engine system 5 (# 44).

  When the request is accepted and stock processing is completed, a stock confirmation receipt RC is issued (# 45). This stock confirmation receipt RC is given to the customer Ux. The membership card RD is returned to the customer Ux.

  When the customer Ux receives the stock confirmation receipt RC and the membership card RD, the customer Ux leaves the store A. Thereafter, the customer Ux can visit the store A and operate the ATM 3 at any time to sell the bullion once acquired at the store A.

  The customer Ux sets his member card RD in ATM3. Then, the ATM 3 reads the gold account number and the member ID from the member card RD (# 51 in FIG. 12), and the precious metal premium protection deposit data HA (see FIG. 5) corresponding to the gold account number and the member ID is obtained from the financial institution. Obtained from the system 5 (# 52). Based on the total number of grams deposited and the current unit purchase price of the bullion indicated in the precious metal prize protection deposit data HA, the current purchase price of the bullion (premium bullion) for the total number of gram deposits is calculated. (# 53).

  The application reception screen HG (see FIG. 8) is displayed (# 54), and the customer Ux is designated how many grams or yen worth of premium bullion is to be sold. Here, the customer Ux specifies the amount to be sold. In addition, when the amount is specified, how many grams of bullion it corresponds is calculated based on the unit purchase price.

  If the sale amount specified by the customer Ux exceeds the total number of grams in deposit (No in # 56), the ATM 3 requests to specify again.

  If the sale amount specified by the customer Ux is less than or equal to the total number of grams in deposit (Yes in # 56), the ATM 3 requests the financial institution system 5 to sell the bullion of the sale amount (# 57).

  Then, when the ATM 3 receives the report that the sale processing is completed in the financial institution system 5 (# 58), it pays out the cash at the current sale price (transaction amount) (# 59) and issues a receipt. (# 60). Customer Ux receives cash and receipts.

  According to this embodiment, the customer can trade the precious metal bullion provided in exchange for the earned points more easily than before.

  Furthermore, the noble metal merchant B has only to buy only the bullion that has been wholesaled to the store A among the bullion stocked in the gold account. Therefore, since it is not necessary to purchase unlimited bullion, stable management can be achieved.

  FIG. 13 is a diagram showing an example of precious metal prize protection deposit data HA ′, and FIG. 14 is a flowchart for explaining a modification of the flow of processing when selling a bullion.

  In this embodiment, the financial institution C paid the customer for the bullion purchased from the customer by cash via the ATM 3, but other methods may be used. For example, payment may be made by making a transfer to the customer's savings account. The account number of the ordinary deposit may be specified by the customer or read from the membership card RD. Alternatively, when the member card RD has an electronic money function, the member card RD may be charged with the price. Or you may make it make a customer select either of these methods.

  When the customer sells the premium bullion, the stock confirmation receipt RC (see FIG. 7) may be used. In this case, the ATM 3 and the financial institution system 5 are configured as follows.

  ATM3 is provided with a barcode reader. Precious metal prize protection deposit data HA 'as shown in FIG. 13 is stored in the member's money account master MS of the financial institution system 5 for each customer who is a member. As can be seen from comparison with the noble metal prize protection deposit data HA of FIG. 5, each record in the deposit history list of the noble metal prize protection deposit data HA 'has a sale flag. Note that the initial value of the sale flag is “0”.

  When the customer sells the bullion, he / she sets his / her member card RD in the IC card reader / writer 30b of ATM3 and causes the barcode reader to read the barcode printed on the stock confirmation receipt RC.

  The ATM 3 makes a sale request by transmitting to the financial institution system 5 the sale request information 65 ′ indicating the deposit number indicated in the barcode and the gold account number and the member number stored in the member card RD.

  Then, the financial institution system 5 executes processing for sale in the procedure as shown in FIG.

  The precious metal prize protection deposit data HA 'indicating both the gold account number and the member ID indicated in the sale request information 65' is searched (# 71 in FIG. 14).

  When the precious metal prize protection deposit data HA 'is found (Yes in # 72), a deposit number record is searched in the sale request information 65' (# 73). If the record is found and the sale flag of the record is “0” (Yes in # 74), processing for selling the bullion by the number of gram deposits indicated in the record (the financial institution C purchases from the customer) Process) (# 75). Then, the sale flag of the record is updated to “1” (# 76), and the completion of sale processing is reported to the requesting ATM 3 (# 77).

  If the record is not found or if the sale flag of the record is “1” (No in # 74), an error message indicating that the stock confirmation receipt RC cannot be sold is sent to ATM3 (# 78).

  If no precious metal prize protection deposit data HA 'is found in step # 71 (No in # 72), an error message indicating that the transaction (sale or purchase) cannot be performed is transmitted to ATM 3 (# 79).

  In the present embodiment, the case where a noble metal bullion of 24 gold is used as the noble metal prize G has been described as an example, but the present invention is also applied to the case where a noble metal bullion such as platinum or silver is used as the noble metal prize. can do. Alternatively, the present invention can also be applied to a case where a small-sized article having a high asset value, such as a jewel, is used as a prize.

  According to the application reception screen HG shown in FIG. 8, it is possible to refer to the amount and price of the customer's current premium bullion. Such information may be printed by the printer 30c as an introduction receipt.

  Further, the password set in the member card RD may be changed by ATM3.

  In this embodiment, the exchange of information from the POS terminal 1 to the stock reception terminal 2 is performed by the giveaway receipt RB. However, the POS terminal 1 and the stock reception terminal 2 are connected via a communication line and printed on the giveaway receipt RB. Information may be performed by electronic communication. Alternatively, the function of the stock reception terminal 2 may be provided in the POS terminal 1.

  In the present embodiment, the ATM 3 calculates the current price of the premium bullion, but the financial institution system 5 may perform it. Further, although the ATM 3 determines whether or not the sale exceeding the amount of the premium bullion is requested, the financial institution system 5 may perform the determination.

  The POS terminal 1, the stock reception terminal 2, and the ATM 3 may be provided in a plurality of stores so that the bullion deposited by the stock reception terminal 2 of a certain store can be sold at the ATM 3 of another store.

  In this embodiment, the store clerk performs an operation for depositing the bullion into the account on the POS terminal 1 and the stock reception terminal 2, but the customer may be able to perform the operation. In this case, the functions of the POS terminal 1 and the stock reception terminal 2 may be provided in the ATM 3 and operated by operating the ATM 3.

  In the present embodiment, the member's precious metal premium protection deposit data HA, HA 'is managed by the member's money account master MS of the financial institution system 5, but may be stored in the member card RD for each member. Then, the stock reception terminal 2 and the ATM 3 may read and use the noble metal premium protection deposit data HA and HA 'from the member card RD.

  In this embodiment, the bullion of the precious metal prize G is stocked in the gold account opened in the financial institution C. In other words, we used a gold account that can stock other bullion. However, a dedicated gold account for the precious metal prize G may be prepared and stocked. Alternatively, a gold account established in a precious metal merchant or a jeweler may be used.

  The sales destination of the bullion stock stored in the gold account may be the financial institution C instead of the precious metal merchant B.

  The precious metal giveaway transaction system 4 of this embodiment can also be applied to stock of precious metal giveaways G that are exchanged for points issued by department stores or shopping malls. In this case, the POS terminal 1 and the stock reception terminal 2 may be installed at a service counter or the like, and the ATM 3 may be installed at an ATM corner or a rest area in a department store or a shopping mall.

  In addition, the entire precious metal giveaway transaction system 4, the POS terminal 1, the stock acceptance terminal 2, the configuration of each ATM, the configuration of each part, the processing content, the processing order, the configuration of various data, etc. may be appropriately changed in accordance with the spirit of the present invention. Can do.

It is a figure which shows the example of the whole structure of a precious metal bullion prize transaction system. It is a figure which shows the example of a structure of a POS terminal. It is a figure which shows the example of a structure of a stock reception terminal. It is a figure which shows the example of a structure of ATM. It is a figure which shows the example of precious metal bullion prize protection deposit data. It is a flowchart explaining the example of the flow of a process at the time of depositing a bullion. It is a figure which shows the example of a stock confirmation receipt. It is a figure which shows the example of an application reception screen. It is a flowchart explaining the example of the flow of a process in the case of sale of a bullion. It is a flowchart explaining the example of the flow of the whole process of a POS terminal. It is a flowchart explaining the example of the flow of the whole process of a stock reception terminal. It is a flowchart explaining the example of the flow of the whole process of ATM. It is a figure which shows the example of precious metal bullion prize protection deposit data. It is a flowchart explaining the modification of the flow of the process in the case of sale of a bullion.

Explanation of symbols

4 Precious metal premium trading system (precious metal bullion stock support system)
201 Protection deposit request section (deposit processing request means)
20c IC card reader (account designation acceptance means)
20k keyboard (exchange amount designation means)
30a Touch panel (specifying means such as sales volume)
30b IC card reader / writer (sale amount designation means)
305 Sale process request section (sales process request means)
5 Financial institution system (account management system)
G Precious metal prize

Claims (10)

A precious metal bullion stock support system comprising a replacement device used for exchanging the points acquired by a customer for a free gift, and a stock device used for stocking the precious metal bullion exchanged as the free gift. And
The replacement device includes
Score input means for inputting the score;
A calculation means for calculating an exchangeable amount that is an amount of a precious metal bullion that can be exchanged for the score input by the score input means;
Exchangeable amount recording means for recording the exchangeable amount calculated by the computing means on a portable first recording medium;
Is provided,
The stock equipment includes
First reading means for reading the exchangeable amount from the first recording medium;
Second reading means for reading an account number of the customer from a portable second recording medium possessed by the customer;
The account is so arranged that all or part of the exchangeable precious metal bullion read by the first reading means is deposited in the account of the account number read by the second reading means. A deposit processing request means for requesting via a communication line to an account management system for managing
Is provided,
This is a precious metal stock support system. The stock apparatus further includes:
Exchange amount input means for inputting a desired exchange amount that is the amount deposited in the account among the exchangeable amounts read by the first reading means;
Is provided,
The deposit processing request means requests to deposit the precious metal bullion of the desired exchange amount input by the exchange amount input means;
The precious metal stock support system according to claim 1. Having a sale device used to sell precious metal bullion stocked in the account;
The precious metal bullion exchanged for the above points is supplied from a precious metal merchant,
In the account, it is possible to stock precious metal bullion other than the precious metal bullion exchanged for the points,
The sale device includes:
A sale amount input means for inputting a desired sale amount, which is an amount to be sold, of precious metal bullion stocked in the account;
The unsold precious metal bullion out of the deposit amount, which is the amount of the precious metal bullion deposited in the account on the basis of the request from the deposit processing request unit, the desired sale amount input by the sale amount input unit Requesting the account management system via the communication line to perform a process of selling the precious metal bullion of the desired amount to be sold to the precious metal merchant when the unsold amount is not exceeding the amount of Sale processing request means;
Is provided,
The precious metal bullion stock support system according to claim 1 or 2. The stock apparatus further includes:
Deposit amount recording means for recording a deposit identifier for identifying deposit of precious metal bullion made based on a request by the deposit processing request means on a portable third recording medium;
Is provided,
The sale device includes:
Third reading means for reading the deposit identifier from the third recording medium is provided,
A fourth reading means for reading the account number from the second recording medium,
The sale process requesting means, when requesting to perform the process to sell, the deposit identifier read by the third reading means and the account number read by the fourth reading means Send to the management system,
The precious metal bullion stock support system according to claim 3. Stocking equipment used to stock precious metal bullion exchanged as a prize for points earned by customers,
A first reading means for reading from the first recording medium an exchangeable amount, which is the amount of the noble metal corresponding to the score, recorded on the first recording medium by the exchange device;
Second reading means for reading an account number of the customer from a portable second recording medium possessed by the customer;
The account is so arranged that all or part of the exchangeable precious metal bullion read by the first reading means is deposited in the account of the account number read by the second reading means. A deposit processing request means for requesting via a communication line to an account management system for managing
A stock apparatus characterized by comprising: According to a precious metal bullion stock support system having a replacement device used for exchanging the points acquired by a customer for a free gift, and a stock device used for stocking the precious metal bullion exchanged as the free gift. A precious metal stock support method,
In the replacement device,
A score input means for inputting the score is provided,
The replacement apparatus executes a process of calculating an exchangeable amount that is an amount of a precious metal bullion that can be exchanged with the score input by the score input means,
The replacement apparatus executes a process of recording the calculated replaceable amount on a portable first recording medium,
First reading means for reading the exchangeable amount from the first recording medium, and second reading for reading the account number of the customer from the portable second recording medium possessed by the customer. Means, and
The account is so arranged that all or part of the exchangeable precious metal bullion read by the first reading means is deposited in the account of the account number read by the second reading means. The stock apparatus executes a process of requesting the account management system for managing the account via a communication line.
Precious metal stock support method characterized by that. The stock apparatus further includes exchange amount input means for inputting a desired exchange amount that is an amount deposited in the account among the exchangeable amounts read by the first reading means,
As the requested process, the stock apparatus executes a process of requesting to perform a process of depositing the desired exchange amount of the precious metal bullion inputted by the exchange amount input means.
The noble metal stock support method according to claim 6 . A device for sale used to sell precious metal bullion stocked in the account is provided in the precious metal bullion stock support system,
The precious metal bullion exchanged for the above points is supplied from a precious metal merchant,
In the account, it is possible to stock precious metal bullion other than the precious metal bullion exchanged for the points,
In the device for sale,
The sale apparatus is provided with a sale amount input means for inputting a desired sale amount that is the amount to be sold of the precious metal bullion stocked in the account,
The desired sale amount input by the sale amount input means is the amount of unsold precious metal bullion out of the deposited amount that is the amount of precious metal bullion deposited in the account according to the requested processing. If the unsold amount is not exceeded, the sale request processing is requested to the account management system via the communication line so that the precious metal bullion of the desired sale amount is sold to the precious metal merchant. For the device to run,
The precious metal bullion stock support method according to claim 6 or 7. Deposit amount recording means for recording a deposit identifier for identifying a deposit of precious metal bullion made according to the requested process in a portable third recording medium is provided in the stock apparatus,
A third reading means for reading the deposit identifier from the third recording medium and a fourth reading means for reading the account number from the second recording medium are provided in the sale apparatus,
A process of transmitting the deposit identifier read by the third reading means and the account number read by the fourth reading means to the account management system when requesting to perform the selling process; The device for sale executes,
The precious metal bullion stock support method according to claim 8 . A computer program for controlling a stocking device used to stock precious metal bullion exchanged as a prize for points earned by a customer,
In the stock device,
A first reading process for reading from the first recording medium an exchangeable amount, which is the amount of the noble metal corresponding to the score, recorded on the first recording medium by the exchange device;
A second reading process for reading the account number of the customer from the portable second recording medium of the customer;
The account so that all or part of the exchangeable precious metal bullion read by the first reading process is deposited in the account of the account number read by the second reading process. Deposit processing request processing, which is requested via a communication line to an account management system for managing
To execute,
A computer program characterized by the above.

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