JP6498643B2 - Foreign currency exchange device - Google Patents

Description

  Enables exchange of electronic money managed by one company and corporate currency managed by a company different from the one company, and exchange of electronic money and legal currency, as well as legal currency obtained by exchanging electronic money for ATM (Automatic Teller Machine)

  Corporate points, also called corporate currency, is a point program issued independently by companies, and is also a collective term for things that can be exchanged for products and services other than the issuer and electronic money. In addition, corporate points can be collected according to the purchase amount, such as airline mileage, credit card points, and watermelon (registered trademark) electronic money, and other products and services can be purchased at that point. Say.

  Although various company points are widely used in the world, there are not a few restrictions on how to use them, and it is not always possible to use them immediately when a user requests to use them. There are many scenes that are targeted.

  On the other hand, electronic money has been widely distributed in the world, and research and development for making business transactions more convenient using electronic money has been actively conducted. For example, in Patent Document 1, using ATM, A technique for cashing electronic money has been proposed.

JP-A-2015-141597

  However, the above-mentioned prior art refers only to electronic money issued by financial institutions, does not refer to corporate points for which other companies issue, and does not improve the above-mentioned inconvenience of corporate points. There was a point.

  In view of the above problems, the present invention uses a system such as a bank to improve the convenience when using so-called company points, which are issued by general companies, and promote the use of the company points. It is an object of the present invention to provide a foreign currency exchange device that is realized in this way.

One form of the disclosed foreign currency exchange apparatus is electronic money for exchanging legal currency after it is exchanged from ATM (Automatic Teller Machine), and stores the balance of electronic money owned by the user and the electronic money balance storage means, the first amount, after the replacement request of the electronic money and business currencies accepted from the user terminal, to the administrator of the enterprise currency, for the first amount, the electronic money And exchange request means for requesting exchange with the corporate currency owned by the user, and calculating an amount to be added to or subtracted from the balance of the electronic money with the exchange of the electronic money and the corporate currency for the first amount The electronic money generated between the manager and the administrator with the exchange of the electronic money and the corporate currency for the first amount -Or the amount calculated by applying a second rate for converting the receivables and payables recognized in the unit of corporate currency to the legal currency, which is a general liquidation unit, to the receivables and payables Receivables and debts clearing means for liquidating between, and with regard to a second amount, a withdrawal corresponding amount calculating means for calculating an amount to be subtracted from the balance of the electronic money when the electronic money is exchanged for the legal currency, An electronic money balance update unit that adds / subtracts the amount calculated by the balance addition / subtraction amount calculation unit or the amount calculated by the withdrawal corresponding amount calculation unit to the balance of the electronic money, and corresponds to the second amount from the ATM a cash dispensing means for processing to pay out cash, and said switching request means, based on the replacement request, the enterprise currency, replacing the electronic money request A purchase requesting means for performing, and a selling requesting means for requesting the exchange of the electronic money to the corporate currency based on the exchange request, wherein the balance addition / subtraction amount calculating means is processed by the purchase requesting means. Is performed, the balance addition for calculating the amount to be added to the balance of the electronic money based on the first rate (buy) and the first amount applied when exchanging from the corporate currency to the electronic money When the processing by the amount calculation means and the sale request means is performed, the electronic money is based on the first rate (sale) and the first amount applied when the electronic money is exchanged for the corporate currency. Balance subtraction amount calculation means for calculating the amount to be subtracted from the balance of the claim, and when the claim receivable liquidation means performs a request process for exchanging the corporate currency to the electronic money by the buy request means, Legal currency relating to the first amount calculated according to the amount of the corporate currency to be reduced on the manager side in response to a request process for exchanging the second rate and the corporate currency for electronic money to the administrator And when the request processing for exchanging the electronic money for the corporate currency is performed by the claim requesting means and the selling request means, the second rate and the electronic Debt clearing means for performing a process of paying a debt in a legal currency related to the first amount calculated according to the amount of the corporate currency to be added on the manager side in accordance with a request process for exchanging money for the corporate currency; And the electronic money balance update means adds the amount calculated by the balance addition amount calculation means to the balance of the electronic money, and the balance When subtracting the amount calculated by the calculation amount calculation means or the withdrawal corresponding amount calculation means from the balance of the electronic money and recognizing the receivables and payables in the unit of the electronic money, the unit of the second rate is: When “yen” / “unit of electronic money” or “unit of electronic money” / “yen” is recognized in units of the corporate currency, the unit of the second rate is “yen” / “the company It is characterized by “unit of currency” or “yen” / “unit of corporate currency”.

  The disclosed foreign currency exchange device improves the convenience when using so-called corporate points, which are issued by general companies, and uses a system such as a bank to promote the use of the corporate points. To do.

It is a figure explaining the outline | summary of the different currency exchange apparatus which concerns on this Embodiment. It is a functional block diagram of the foreign currency exchange apparatus which concerns on this Embodiment. It is a figure explaining the exchange process (corporate currency-> electronic money) with the electronic money and enterprise currency which concern on this Embodiment. It is a figure explaining the exchange process (electronic money-> corporate currency) with the electronic money which concerns on this Embodiment. It is a figure which shows an example of the 1st rate based on this Embodiment. It is a figure which shows an example of the 2nd rate which concerns on this Embodiment. It is a figure explaining the processing by the claim and debt offset amount storage means and the claim and debt update means according to the present embodiment. It is a figure which shows an example of the 3rd rate which concerns on this Embodiment. It is a figure explaining the exchange process (electronic money-> legal currency) with the electronic money and legal currency which concern on this Embodiment. It is a figure which shows the hardware structural example of the foreign currency exchange apparatus which concerns on this Embodiment. It is a flowchart which shows the flow of an example of the exchange process of the electronic money and enterprise currency which concern on this Embodiment. It is a flowchart which shows the flow of an example of the exchange process of the electronic money and legal currency which concern on this Embodiment.

DESCRIPTION OF EMBODIMENTS Embodiments for carrying out the present invention will be described with reference to the drawings.
(Operational principle of the foreign currency exchange apparatus according to this embodiment)

  The operation principle of the foreign currency exchange apparatus (hereinafter simply referred to as “this apparatus”) 100 according to the present embodiment will be described with reference to FIGS. FIG. 1 is a diagram illustrating the relationship between the device 100 and peripheral devices, and FIG. 2 is a functional block diagram of the device 100.

  As shown in FIG. 1, the apparatus 100 is connected via a communication network 310 to a user terminal 260 operated by a user 250 and a server apparatus managed by an issuer 240 of a corporate currency 230. In addition, the apparatus 100 is connected to an ATM (Automatic Teller Machine) 300 via a dedicated line. The user 250 has an account for managing the balance of the electronic money 210 in the device 100 and an account for managing the balance of the corporate currency 230 in the server device managed by the issuer 240.

  Here, the electronic money 210 handled by the apparatus 100 is money converted into digital data, and is a form in which information is written on an IC card and used like a credit card (IC card type electronic money) on the Internet. It includes forms that circulate as data (network type electronic money) and prepaid card type electronic money. The electronic money 210 includes a virtual currency, which is a currency that can be used in services such as online games and communities. On the other hand, the corporate currency 230 handled by the server device 240 is so-called corporate points. Points are collected according to the purchase amount, such as airline mileage, credit card points, watermelons, and other electronic money. This means that you can purchase products.

  The apparatus 100 allows the electronic money 210 and the corporate currency 230 to be exchanged with each other, and further exchanges the electronic money 210 for a legal currency (for example, “yen”, etc.). It can be pulled out from. The ATM 300 is a device possessed by a financial institution such as a bank, and is a device for depositing and withdrawing cash from a deposit account.

  As described above, the apparatus 100 uses the system such as a bank to exchange the corporate point 230 owned by the user 250 with “cash” having the highest convenience. Eliminate inconvenience. In addition, the present apparatus 100 eliminates the inconvenience of the user 250, thereby removing a psychological obstacle in using the user point 230 of the user 250 and promoting the use thereof.

  As shown in FIG. 2, the apparatus 100 includes an electronic money balance storage unit 110, an exchange request unit 120, a balance addition / subtraction amount calculation unit 130, a claim / liability settlement unit 140, a withdrawal corresponding amount calculation unit 150, and an electronic money balance update unit 160. The cash dispensing means 170 is provided.

  The electronic money balance storage unit 110 stores the balance 220 of the electronic money 210 owned by the user 250. In general, since there are a plurality of users 250, the electronic money balance storage unit 110 separately manages the balance 220 of the electronic money 210 to which the right belongs to each user 250 for each user 250. When opening an account for managing the balance 220, the electronic money 210 is not a legal currency, so personal information is not strictly checked like when opening a bank deposit account, and information necessary for account separation management. If there is, it is enough.

The exchange request unit 120 requests the management server device 240 of the corporate currency 230 to exchange the first money amount 320 with the electronic money 210 and the corporate currency 230 to which the right belongs to the user 250. The processing by the exchange request unit 120 is performed based on an exchange request between the electronic money 210 and the corporate currency 230 received from the user terminal 260. The first amount 320 is an amount designated by the user 250 and may be an amount based on the electronic money 210 or an amount based on the corporate currency 230. Further, the process corresponding to the exchange request unit 120 on the management server device 240 side may be appropriately determined by the manager of the corporate currency 230.
Further, the exchange request unit 120 includes a purchase request unit 122 and a sale request unit 124.
The purchase request means 122 makes a request to exchange the corporate currency 230 for the electronic money 210.
The sale request unit 124 makes a request to exchange the electronic money 210 for the corporate currency 230.

  With respect to the processing by the buy request unit 122 and the sale request unit 124, it is possible to arbitrarily specify which currency is exchanged based on which currency. This is because the exchange rate (first rate) 270 of the electronic money 210 and the corporate currency 230 can be appropriately determined as will be described later.

  As shown in FIGS. 3A and 3B, the buy request unit 122 makes a request to exchange “5,000 units” of the corporate currency 230 for the corresponding electronic money 210. As shown in FIGS. 4A and 4B, the sales requesting unit 124 makes a request to exchange “3,000 units” of electronic money 210 for the corporate currency 230.

  The balance addition / subtraction amount calculation means 130 calculates (identifies) the amount of money to be added to or subtracted from the balance 220 of the electronic money 210 with the exchange of the electronic money 210 and the corporate currency 230 for the first amount 320. Further, when the unit of the first amount 320 is the unit of the corporate currency 230, the balance addition / subtraction amount calculation means 130 uses the first rate 270 and the first amount 320 for exchanging the electronic money 210 and the corporate currency 230. Based on the above, the amount to be added to or subtracted from the balance 220 of the electronic money 210 in accordance with the exchange of the electronic money 210 and the corporate currency 230 is calculated. The first rate 270 may be a form that determines a rate applied when exchanging from the corporate currency 230 to the electronic money 210 and a rate applied when exchanging from the electronic money 210 to the corporate currency 230, respectively. It may be a form determined as a rate.

As shown in FIG. 5, for example, the first rate 270 is set to “0.90” as a rate applied when exchanging from the corporate currency 230 to the electronic money 210, and exchanged from the electronic money 210 to the corporate currency 230. “1.10” is set as the rate applied at times. Here, the unit of the first rate 270 is “unit of corporate currency 230” / “unit of electronic money 210”, but can also be “unit of electronic money 210” / “unit of corporate currency 230”. These may be determined as appropriate.
The balance addition / subtraction amount calculation unit 130 includes a balance addition amount calculation unit 132 and a balance subtraction amount calculation unit 134.

  The balance addition amount calculation means 132 calculates the amount to be added to the balance 220 of the electronic money 210 based on the first rate 270 and the first amount 320 when exchanging the corporate currency 230 for the electronic money 210. As shown in FIGS. 3 (b) and 5, the balance addition amount calculation means 132 calculates the amount to be added to the balance 220 of the electronic money 210 when exchanging the corporate currency 230 of “5,000 units” with the electronic money 210. , Corporate currency 230 “5,000 units” × first rate (buy) 270 “0.90” = “4,500 units” is calculated.

  The balance subtraction amount calculation means 134 calculates an amount to be subtracted from the balance 220 of the electronic money 210 based on the first rate 270 and the first amount 320 when the electronic money 210 is exchanged for the corporate currency 230. As shown in FIGS. 4B and 5, the balance subtraction amount calculating means 134 calculates the amount to be subtracted from the balance 220 of the electronic money 210 when the “3,000 unit” electronic money 210 is exchanged for the corporate currency 230. Then, the electronic money 210 “3,000 units” × 1 = “3,000 units” is calculated.

  The receivables and debts clearing means 140 is based on the second rate 280 for converting the receivables and payables generated between the manager 240 and the electronic money 210 and the corporate currency 230 into the legal currency for the first amount 320. Then, liquidation is performed with the administrator 240. This is a process for liquidation of receivables and payables that accompany value transfer by another person. The claim and debt may be determined based on the amount calculated by the balance addition / subtraction calculation means 130 (balance addition calculation means 132, balance subtraction calculation means 134). Further, the credit / debt unit may be a unit of electronic money 210 or a unit of corporate currency 230.

The second rate 280 is a rate for converting the credit / debt unit into a legal currency (for example, “yen”) which is a general liquidation unit. As shown in FIG. 6, the second rate 280 can be determined to be “1.00”, for example.
The claim and debt clearing means 140 includes a claim clearing means 142, a debt clearing means 144, a claim and debt offset amount storage means 146, and a claim and debt update means 148.

  When the corporate currency 230 is exchanged for the electronic money 210, the credit settlement means 142 performs a process for liquidating the credit relating to the first amount 320 to the manager 240. As shown in FIGS. 3 (c) and 6, when the “5,000 units” of the corporate currency 230 is exchanged for the electronic money 210, the receivable “4,500 (unit of the electronic money 210)” for the administrator 240 × the number 2. The rate 280 “1.00” = “4,500 yen” is calculated, and the manager 240 is requested to pay the credit amount “4,500 yen”.

  When the electronic money 210 is exchanged for the corporate currency 230, the debt clearing means 144 performs processing for clearing the debt related to the first amount 320 for the administrator 240. As shown in FIGS. 4C and 6, when “3,000 units” of electronic money 210 is exchanged for the corporate currency 230, the debt to the administrator 240 “3,000 (unit of electronic money 210)” × number 2. The rate 280 “1.00” = “3,000 yen” is calculated, and a process of paying the debt amount “3,000 yen” to the manager 240 is performed.

  When receivables and payables are recognized in units of electronic money 210, the unit of the second rate 280 is “yen” / “unit of electronic money 210” or “unit of electronic money 210” / “yen”. When recognizing in units of the corporate currency 230, the unit of the second rate 280 may be set as “yen” / “unit of the corporate currency 230” or “yen” / “unit of the corporate currency 230”.

  The receivable / debt offset amount storage means 146 stores, for each receivable / debt that occurs between the administrator 240 and the administrator 240 in accordance with a plurality of exchanges between the electronic money 210 and the corporate currency 230, the receivable / debt offset amount.

  As shown in FIGS. 3, 4, and 7, the receivable and payable offset amount storage unit 146 converts, for example, the receivable “4,500 units” and the electronic money 210 into the corporate currency 230 when the corporate currency 230 is exchanged for the electronic money 210. The amount of receivable “1,500 units” that is offset from the debt “3,000 units” at the time of exchange is stored.

  The receivable / liability updating unit 148 calculates the amount stored in the receivable / debt offset amount storage unit 146 based on the amount calculated by the balance addition / subtraction amount calculation unit 140 (balance addition amount calculation unit 132, balance subtraction amount calculation unit 134). Update.

  As shown in FIG. 7, for example, when the claim and debt offset amount storage means 146 stores the claim “4,500 units” and exchanges the electronic money 210 for the corporate currency 230. The amount of the credit stored in the storage unit 146 is updated to “1,500 (= 4,500-3,000) units”.

  The claim and debt clearing means 140 converts the amount stored in the claim and debt offset amount storage means 146 into a legal currency unit based on the second rate 280, and the credit or debt converted into the legal currency unit. Settlement is performed with the administrator 240. By doing so, the number of settlements of receivables and debts can be reduced.

  The withdrawal corresponding amount calculation means 150 calculates an amount to be subtracted from the balance 220 of the electronic money 210 when the electronic money 210 is exchanged for a legal currency with respect to the second amount 330 for which the user 250 has requested cash withdrawal. When the unit of the second amount 330 is a legal currency, the withdrawal corresponding amount calculation unit 150 uses the electronic money 210 based on the third rate 290 and the second amount 330 for exchanging the electronic money 210 for the legal currency. The amount to be subtracted from the balance 220 is calculated. The processing by the withdrawal corresponding amount calculation means 150 is performed based on the exchange / cash withdrawal request between the electronic money 210 and the legal currency received from the user terminal 260.

  The second amount 330 is an amount designated by the user 250 and may be an amount based on the electronic money 210 or an amount based on the legal currency. The third rate 290 is a rate for converting the unit of the electronic money 210 and the unit of legal currency (for example, “yen”). As shown in FIG. 8, the third rate 290 can be defined as, for example, “0.90” (the unit is “yen” / “unit of electronic money 210”).

  As shown in FIGS. 8 and 9, the withdrawal corresponding amount calculation means 150 divides the second amount 330 “3,150 yen” designated by the user 250 by the third rate 290 “0.90” to obtain the electronic money 210 The amount of money “3,500 units” to be subtracted from the balance 220 is calculated.

  The electronic money balance update unit 160 adds the amount calculated by the balance addition amount calculation unit 132 to the balance 220 of the electronic money 210, and uses the amount calculated by the balance subtraction amount calculation unit 134 or the withdrawal corresponding amount calculation unit 150 as an electronic amount. Subtract from the balance 220 of money 210. By doing so, the balance 220 of the electronic money 210 to which the user 250 managed in the electronic money balance storage means 110 has ownership can be properly managed.

  The cash payout means 170 performs a process of paying out cash corresponding to the second amount 330 from the ATM 300. When the second amount 330 is a unit of legal currency, the cash payout unit 170 performs a process of paying out the cash of the second amount 330. When the second amount 330 is a unit of the electronic money 210, the cash payout unit 170 performs a process of paying out the amount of cash calculated by multiplying the second amount 330 by the third rate 290. The source of cash withdrawn from the ATM 300 is the electronic money 210, and the receivables and payables of the electronic money 210 are cleared by processing by the receivables and debt clearing means 140. We are just doing the work of clearing up.

  As shown in FIG. 9, for example, when the second amount 330 is “3,150 yen”, the cash payout means 170 performs a process of paying out the second amount 330 “3,150 yen” from the ATM 300. Do. Further, when the second amount 330 is “3,500 (unit of electronic money 210)”, the cash dispensing means 170 sends the second amount 330 “3,500 units” × the third rate 290 from the ATM 300. “0.9” = 3,150 yen is paid out.

By performing the processing as described above, the present apparatus 100 can exchange and obtain the company point 230 owned by the user 250 for the most convenient “cash” by utilizing a system such as a bank.
(Hardware configuration of foreign currency exchange apparatus according to this embodiment)

  A hardware configuration example of the apparatus 100 will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of a hardware configuration of the apparatus 100. As illustrated in FIG. 10, the apparatus 100 includes a CPU (Central Processing Unit) 410, a ROM (Read-Only Memory) 420, a RAM (Random Access Memory) 430, an auxiliary storage device 440, a communication I / F 450, and an input device 460. An output device 470 and a recording medium I / F 480.

  The CPU 410 is a device that executes a program stored in the ROM 420. The CPU 410 performs arithmetic processing on the data expanded (loaded) in the RAM 430 in accordance with instructions of the program and controls the entire apparatus 100. The ROM 420 stores programs and data executed by the CPU 410. When the CPU 410 executes a program stored in the ROM 420, the RAM 430 is loaded (loaded) with the program and data to be executed, and temporarily holds the operation data during the operation.

  The auxiliary storage device 440 is a device that stores an OS (Operating System) that is basic software, an application program according to the present embodiment, and the like together with related data. The auxiliary storage device 440 includes an electronic money balance storage unit 110 and a claim / balance offset storage unit 146, and is, for example, an HDD (Hard Disc Drive) or a flash memory.

  The communication I / F 450 is an interface that is connected to a communication network such as a wired / wireless local area network (LAN) or the Internet and exchanges data with other devices that provide a communication function.

  The input device 460 is a device for inputting data to the device 100 such as a keyboard. The output device (display device) 470 is a device composed of an LCD (Liquid Crystal Display) or the like, and functions as a user interface when the user uses the functions of the device 100 or makes various settings. is there. The recording medium I / F 480 is an interface for transmitting / receiving data to / from a recording medium 490 such as a CD-ROM, DVD-ROM, or USB memory.

Each unit included in the apparatus 100 may be realized by the CPU 410 executing a program corresponding to each unit stored in the ROM 420 or the auxiliary storage device 440. In addition, each unit included in the apparatus 100 may be configured such that processing related to each unit is realized as hardware. Further, the apparatus 100 can be read by reading a program according to the present invention from an external server device via the communication I / F 450 or by reading a program according to the present invention from the recording medium 490 via the recording medium I / F 480. Alternatively, the program may be executed.
(Example of processing by foreign currency exchange apparatus according to this embodiment)
(1) Exchange processing between electronic money 210 and corporate currency 230 by the apparatus 100

  The exchange process between the electronic money 210 and the corporate currency 230 by the apparatus 100 will be described with reference to FIG. FIG. 11 is a flowchart showing an exemplary flow of an exchange process between the electronic money 210 and the corporate currency 230 by the apparatus 100.

  In S <b> 10, the apparatus 100 accepts a request for exchange of the electronic money 210 and the corporate currency 230 for the first amount 320 from the user terminal 260. The first amount 320 is an amount designated by the user 250 and may be an amount based on the electronic money 210 or an amount based on the corporate currency 230.

  Based on the exchange request received in S10, the exchange request means 120 in S20 makes the business currency 230 to which the right belongs to the electronic money 210 and the user 250 for the first amount 320 to the management server device 240 of the corporate currency 230. Request exchange with.

  In S <b> 20, the purchase request unit 122 makes a request to exchange the corporate currency 230 for the electronic money 210. In S <b> 20, the sales request unit 124 requests to exchange the electronic money 210 for the corporate currency 230. With respect to the processing by the buy request unit 122 and the sale request unit 124, it is possible to arbitrarily specify which currency is exchanged based on which currency.

As shown in FIGS. 3A and 3B, for example, the buy request unit 122 makes a request to exchange the corporate currency 230 of “5,000 units” for the corresponding electronic money 230. As shown in FIGS. 4A and 4B, for example, the sales requesting unit 124 makes a request to exchange “3,000 units” of electronic money 210 for the corporate currency 230.
The process corresponding to the exchange request unit 120 on the management server device 240 side may be appropriately determined by the manager of the corporate currency 230.

  In S30, the balance addition / subtraction amount calculation means 130 calculates the amount to be added / subtracted to / from the balance 220 of the electronic money 210 in accordance with the exchange of the electronic money 210 and the corporate currency 230 based on the first rate 270 and the first amount 320. . Here, the first rate 270 determines a rate applied when exchanging from the corporate currency 230 to the electronic money 210 and a rate applied when exchanging from the electronic money 210 to the corporate currency 230, respectively.

  As shown in FIG. 5, for example, the first rate 270 is set to “0.90” as a rate applied when exchanging from the corporate currency 230 to the electronic money 210, and exchanged from the electronic money 210 to the corporate currency 230. “1.10” is set as the rate applied at times. Here, the unit of the first rate 270 is “unit of corporate currency 230” / “unit of electronic money 210”, but can also be “unit of electronic money 210” / “unit of corporate currency 230”. These may be determined as appropriate.

  In S <b> 30, the balance addition amount calculation unit 132 calculates the amount to be added to the balance 220 of the electronic money 210 based on the first rate 270 and the first amount 320 when exchanging the corporate currency 230 for the electronic money 210. . As shown in FIGS. 3B and 5, when the “5,000 units” of the corporate currency 230 is exchanged for the electronic money 210, the balance addition amount calculating means 132 uses the amount to be added to the balance 220 of the electronic money 210. , Corporate currency 230 “5,000 units” × first rate (buy) 270 “0.90” = “4,500 units” is calculated.

  In S <b> 30, the balance subtraction amount calculation means 134 calculates an amount to be subtracted from the balance 220 of the electronic money 210 based on the first rate 270 and the first amount 320 when the electronic money 210 is exchanged for the corporate currency 230. . As shown in FIGS. 4B and 5, when exchanging “3,000 units” of electronic money 210 for the corporate currency 230, the balance subtraction amount calculation means 134 uses the amount of money to be subtracted from the balance 220 of the electronic money 210. Then, the electronic money 210 “3,000 units” × 1 = “3,000 units” is calculated.

  In S40, the electronic money balance update unit 160 adds the amount calculated by the balance addition amount calculation unit 132 in S30 to the balance 220 of the electronic money 210. Further, the electronic money balance update unit 160 subtracts the amount calculated by the balance subtraction amount calculation unit 134 in S30 from the balance 220 of the electronic money 210. By doing so, the balance 220 of the electronic money 210 to which the user 250 managed in the electronic money balance storage means 110 has ownership can be properly managed.

  In S <b> 50, the receivables / liabilities clearing means 140 performs liquidation with the administrator 240 on the receivables / liabilities generated with the administrator 240 based on the first amount 320 and the second rate 280. This is a process for clearing claims and debts that accompany value transfer by another person. Here, the credit / debt unit may be a unit of the electronic money 210 or a unit of the corporate currency 230. The second rate 280 is a rate for converting the unit of credits and debts into a legal currency (for example, “yen”), which is a general settlement unit. As shown in FIG. 6, the second rate 280 can be determined to be “1.00”, for example.

  In S <b> 50, when the corporate currency 230 is exchanged for the electronic money 210, the credit settlement means 142 performs a process for liquidating the credit relating to the first amount 320 to the administrator 240. As shown in FIGS. 3 (c) and 6, when the “5,000 units” of the corporate currency 230 is exchanged for the electronic money 210, the receivable “4,500 (unit of the electronic money 210)” for the administrator 240 × the number 2. The rate 280 “1.00” = “4,500 yen” is calculated, and the manager 240 is requested to pay the credit amount “4,500 yen”.

  In S <b> 50, when the electronic money 210 is exchanged for the corporate currency 230, the debt clearing unit 144 performs processing for clearing the debt related to the first amount 320 for the administrator 240. As shown in FIGS. 4C and 6, when “3,000 units” of electronic money 210 is exchanged for the corporate currency 230, the debt to the administrator 240 “3,000 (unit of electronic money 210)” × number 2. The rate 280 “1.00” = “3,000 yen” is calculated, and a process of paying the debt amount “3,000 yen” to the manager 240 is performed.

  When receivables and payables are recognized in units of electronic money 210, the unit of the second rate 280 is “yen” / “unit of electronic money 210” or “unit of electronic money 210” / “yen”. When recognizing in units of the corporate currency 230, the unit of the second rate 280 may be set as “yen” / “unit of the corporate currency 230” or “yen” / “unit of the corporate currency 230”.

  By the way, as described above, the device 100 may be configured to perform a settlement process for each currency exchange, but as shown below, a plurality of receivables / debts are netted, and finally the remaining receivables Or it is good also as a form which liquidates about a debt. In the following, the form of netting a plurality of receivables and payables and liquidating the finally remaining receivables or payables will be described.

  The receivable / debt offset amount storage means 146 stores, for each receivable / debt that occurs between the administrator 240 and the administrator 240 in accordance with a plurality of exchanges between the electronic money 210 and the corporate currency 230, the receivable / debt offset amount.

  In S50, the receivables and payables updating means 148 is stored in the receivables and payables offset amount storage means 146 based on the amounts calculated by the balance addition / subtraction amount calculation means 130 (balance addition amount calculation means 132, balance subtraction amount calculation means 134). Update the amount.

  As shown in FIG. 7, for example, when the claim and debt offset amount storage means 146 stores the claim “4,500 units” and exchanges the electronic money 210 for the corporate currency 230. The amount of the credit stored in the storage unit 146 is updated to “1,500 (= 4,500-3,000) units”.

In S50, the claim and debt clearing means 140 converts the amount stored in the claim and debt offset amount storage means 146 into a unit of legal currency based on the second rate 280, and The debt is settled with the manager 240. By doing so, the number of settlements of receivables and debts can be reduced.
(2) Cash payment processing based on electronic money 210 by the apparatus 100

  A cash payout process based on the electronic money 210 by the apparatus 100 will be described with reference to FIG. FIG. 12 is a flowchart showing an exemplary flow of cash payout processing based on electronic money 210 by the apparatus 100.

  In S <b> 110, the apparatus 100 receives from the user terminal 260 a request for processing for converting the electronic money 210 into legal currency for the second amount 330 and paying out the converted legal currency from the ATM 300. The second amount 330 is an amount designated by the user 250 and may be an amount in units of electronic money 210 or an amount in units of legal currency.

  In S120, the withdrawal corresponding amount calculation unit 150 calculates an amount to be subtracted from the balance 220 of the electronic money 210 when the electronic money 210 is exchanged for legal currency for the second amount 330 received in S110. The second amount 330 is an amount designated by the user 250 and may be an amount based on the electronic money 210 or an amount based on the legal currency.

  When the unit of the second amount 330 is a legal currency, the withdrawal corresponding amount calculation unit 150 calculates the amount to be subtracted from the balance 220 of the electronic money 210 based on the third rate 290 and the second amount 330. The third rate 290 is a rate for converting the unit of the electronic money 210 and the unit of legal currency (for example, “yen”). As shown in FIG. 8, the third rate 290 can be defined as, for example, “0.90” (the unit is “yen” / “unit of electronic money 210”). As shown in FIGS. 8 and 9, the withdrawal corresponding amount calculation means 150 divides the second amount 330 “3,150 yen” designated by the user 250 by the third rate 290 “0.90” to obtain the electronic money 210 The amount of money “3,500 units” to be subtracted from the balance 220 is calculated.

  When the unit of the second amount 330 is the electronic money 210, the withdrawal corresponding amount calculation unit 150 calculates an amount that should subtract the second amount 330 from the balance 220 of the electronic money 210.

  In S130, the electronic money balance update unit 160 subtracts the amount calculated by the withdrawal corresponding amount calculation unit 150 in S120 from the balance 220 of the electronic money 210. By doing so, the balance 220 of the electronic money 210 to which the user 250 managed in the electronic money balance storage means 110 has ownership can be properly managed.

  In S <b> 140, the cash payout unit 170 performs a process of paying out cash corresponding to the second amount 330 from the ATM 300. When the second amount 330 is a unit of legal currency, the cash payout unit 170 performs a process of paying out the cash of the second amount 330. When the second amount 330 is a unit of the electronic money 210, the cash payout unit 170 performs a process of paying out the amount of cash calculated by multiplying the second amount 330 by the third rate 290. The source of cash withdrawn from the ATM 300 is the electronic money 210, and the receivables and payables of the electronic money 210 are settled by the processing by the receivables and debt clearing means 140.・ We are only working to clear debts.

  As shown in FIG. 9, for example, when the second amount 330 is “3,150 yen”, the cash payout means 170 performs a process of paying out the second amount 330 “3,150 yen” from the ATM 300. Do. Further, when the second amount 330 is “3,500 (unit of electronic money 210)”, the cash dispensing means 170 sends the second amount 330 “3,500 units” × the third rate 290 from the ATM 300. A process of paying out “0.9” = “3,150 yen” is performed.

  By performing the processes shown in the above (1) and (2), the apparatus 100 enables the electronic money 210 and the corporate currency 230 to be exchanged. Further, the electronic money 210 is converted into a legal currency (for example, “yen”). ), And the legal currency (cash) after the exchange can be withdrawn from the ATM 300.

  As described above, the apparatus 100 uses the system such as a bank to exchange the corporate point 230 owned by the user 250 with “cash” having the highest convenience. Eliminate inconvenience. In addition, the present apparatus 100 eliminates the inconvenience of the user 250, thereby removing a psychological obstacle in using the user point 230 of the user 250 and promoting the use thereof.

  Although the embodiment of the present invention has been described in detail above, the present invention is not limited to the specific embodiment, and various modifications are possible within the scope of the gist of the present invention described in the claims.・ Change is possible.

100 Foreign Currency Exchange Device 110 Electronic Money Balance Storage Unit 120 Exchange Request Unit 122 Purchase Request Unit 124 Sell Request Unit 130 Balance Addition / Subtraction Calculation Unit 132 Balance Addition Calculation Unit 134 Balance Subtraction Calculation Unit 140 Receivable Debt Settlement Unit 142 144 Debt clearing means 146 Receivables and debt offset amount storage means 148 Receivables and debt update means 150 Withdrawal corresponding amount calculation means 160 Electronic money balance updating means 170 Cash payout means 210 Electronic money 220 Electronic money balance 230 Corporate currency (corporate points)
240 Enterprise currency manager (server device for managing corporate currency)
250 User 260 User terminal 270 First rate 280 Second rate 290 Third rate 300 ATM (Automatic Teller Machine)
310 communication network 320 first amount 330 second amount 410 CPU
420 ROM
430 RAM
440 Auxiliary storage device 450 Communication interface 460 Input device 470 Output device 480 Recording medium interface 490 Recording medium

Claims (9)

Electronic money balance storage means for storing the balance of electronic money owned by a user, which is electronic money for exchanging legal currency after being exchanged to legal currency from ATM (Automatic Teller Machine),
For the first amount, after the replacement request of the electronic money and business currencies accepted from the user terminal, to the administrator of the enterprise currency, for the first amount, the said electronic money user owns the An exchange request means for requesting exchange with a corporate currency;
A balance addition / subtraction amount calculating means for calculating an amount to be added to or subtracted from the balance of the electronic money with the exchange of the electronic money and the corporate currency for the first amount;
For the first amount, the receivables and payables recognized in units of the electronic money or the corporate currency generated between the manager and the manager in exchange for the electronic money and the corporate currency are expressed in a general liquidation unit. Receivables and debts clearing means for clearing with the administrator for an amount calculated by applying a second rate for conversion to the legal currency to the claims and debts;
With regard to a second amount, a withdrawal corresponding amount calculating means for calculating an amount to be subtracted from the balance of the electronic money when the electronic money is exchanged for the legal currency;
Electronic money balance update means for adding or subtracting the amount calculated by the balance addition / subtraction amount calculation means or the amount calculated by the withdrawal corresponding amount calculation means to the balance of the electronic money;
Cash dispensing means for performing a process of dispensing cash corresponding to the second amount from the ATM;
The exchange request means is
Buy request means for making a request to exchange the corporate currency for the electronic money based on the exchange request;
Sales request means for making a request to exchange the electronic money for the corporate currency based on the exchange request;
The balance addition / subtraction amount calculating means includes:
When processing by the purchase requesting means is performed, based on the first rate (buy) and the first amount applied when exchanging from the corporate currency to the electronic money, it is added to the balance of the electronic money A balance addition amount calculating means for calculating the amount of money;
Amount to be deducted from the balance of the electronic money based on the first rate (sale) and the first amount applied when the electronic money is exchanged for the corporate currency when processing by the selling request means is performed And a balance subtraction amount calculating means for calculating
The means for clearing the claim
When the request processing for exchanging the corporate currency for the electronic money is performed by the purchase requesting unit, the manager side is accompanied with the request processing for exchanging the second rate and the corporate currency for electronic money. Receivable clearing means for processing to request payment of receivables in legal currency related to the first amount calculated according to the amount of the corporate currency to be reduced in
When the request processing for exchanging the electronic money for the corporate currency is performed by the selling request means, the manager side with the request processing for exchanging the second rate and the electronic money for the corporate currency. A debt clearing means for performing a process of paying a debt in a legal currency related to the first amount calculated according to the amount of the corporate currency to be added in
The electronic money balance update means adds the amount calculated by the balance addition amount calculation means to the balance of the electronic money, and the amount calculated by the balance subtraction amount calculation means or the withdrawal corresponding amount calculation means, Subtract from the balance of the electronic money,
When receivables and liabilities are recognized in units of electronic money, the unit of the second rate is “yen” / “unit of electronic money” or “unit of electronic money” / “yen”, and the company When recognizing by currency unit, the unit of the second rate is “yen” / “unit of corporate currency” or “yen” / “unit of corporate currency”. . The means for clearing the claim
Receivables and debt offset amount storage means for storing amounts offset for claims and debts generated with the manager;
Receivable debt update means for updating the offset amount based on the amount calculated by the balance addition / subtraction amount calculation means,
The heterogeneous currency exchange apparatus according to claim 1, wherein the claim / liability clearing means performs liquidation with the administrator based on the offset amount and the second rate. When the first amount is a unit of the corporate currency,
The balance addition / subtraction amount calculating means calculates an amount to be added to or subtracted from the balance of the electronic money based on a first fee rate and the first amount for exchanging the electronic money and the corporate currency. The foreign currency exchange device according to claim 1 or 2 . If the second amount is a unit of the legal currency;
When the electronic money is exchanged to the legal currency based on a third fee for exchanging the electronic money and the legal currency for the second amount, heterologous currency exchange apparatus according to any one of claims 1 to 3, characterized in that to calculate the amount to be subtracted from the balance. A foreign currency exchange device having electronic money balance storage means for storing a balance of electronic money owned by a user, which is an electronic money for exchanging legal currency after it is exchanged to legal currency and from an ATM (Automatic Teller Machine) A foreign currency exchange method performed in
After the exchange request means accepts the exchange request between the electronic money and the corporate currency for the first amount from the user terminal , the electronic money and the user for the first amount are sent to the manager of the corporate currency. Requesting exchange for the corporate currency owned by
A step of calculating an amount to be added to or subtracted from the balance of the electronic money in accordance with the exchange of the electronic money and the corporate currency for the first amount;
Receivables and debts clearing means for the first amount of receivables and payables recognized in units of the electronic money or the corporate currency generated between the administrator and the electronic money in exchange for the corporate currency A liquidation with the manager for the amount calculated by applying a second rate for conversion to the legal currency, which is a unit of liquidation, to the receivables and payables;
Withdrawing amount calculation means for calculating a second amount of money to be subtracted from the balance of electronic money when the electronic money is exchanged for the legal currency;
Electronic money balance update means, adding or subtracting the amount calculated by the balance addition / subtraction amount calculation means or the amount calculated by the withdrawal corresponding amount calculation means to the balance of the electronic money;
Cash dispensing means, and performing the process of paying out cash corresponding to the second amount from the ATM, only including,
In the exchange request means,
A purchase requesting unit, based on the exchange request, making a request to exchange the corporate currency for the electronic money;
Selling request means, based on the exchange request, making a request to exchange the electronic money for the corporate currency,
In the balance addition / subtraction amount calculating means,
When the balance addition amount calculation means performs processing by the buy request means, based on the first rate (buy) and the first amount applied when exchanging from the corporate currency to the electronic money, Calculating an amount to be added to the balance of electronic money;
When the balance subtraction amount calculation means performs processing by the sale request means, based on the first rate (sale) and the first amount applied when exchanging from the electronic money to the corporate currency, Calculating an amount to be deducted from the balance of electronic money,
In the receivables and debts clearing means,
When the claim clearing means performs a request process for exchanging the corporate currency to the electronic money by the purchase requesting means, the manager performs a request process for exchanging the second rate and the corporate currency for electronic money. And performing a process of requesting payment of a claim in legal currency related to the first amount calculated according to the amount of the corporate currency to be reduced on the manager side,
In the case where the debt clearing means performs a request process for exchanging the electronic money to the corporate currency by the selling request means, a request process for exchanging the second rate and the electronic money for the corporate currency to the manager is performed. And a process of paying a debt in a legal currency related to the first amount calculated according to the amount of the corporate currency to be added on the manager side,
The electronic money balance update means adds the amount calculated by the balance addition amount calculation means to the balance of the electronic money, and the amount calculated by the balance subtraction amount calculation means or the withdrawal corresponding amount calculation means, Subtract from the balance of the electronic money,
When receivables and liabilities are recognized in units of electronic money, the unit of the second rate is “yen” / “unit of electronic money” or “unit of electronic money” / “yen”, and the company When recognizing in currency units, the second rate unit is “yen” / “unit of corporate currency” or “yen” / “unit of corporate currency”. . When the heterogeneous currency exchange device has a claim and debt offset amount storage means for storing an amount offset with respect to claims and debts generated with the manager,
In the receivables and debts clearing means,
Receivables and debts updating means includes the step of updating the offset amount based on the amount calculated by the balance addition / subtraction amount calculation unit,
6. The foreign currency exchange method according to claim 5 , wherein the receivable / liability clearing means performs liquidation with the administrator based on the offset amount and the second rate. When the first amount is a unit of the corporate currency,
The balance addition / subtraction amount calculating means calculates an amount to be added to or subtracted from the balance of the electronic money based on a first fee rate and the first amount for exchanging the electronic money and the corporate currency. The foreign currency exchange method according to claim 5 or 6 . If the second amount is a unit of the legal currency;
When the electronic money is exchanged to the legal currency based on a third fee for exchanging the electronic money and the legal currency for the second amount, heterologous currency exchange method according to any one of claims 5 to 7, characterized in that to calculate the amount to be subtracted from the balance. A foreign currency exchange program for causing a computer to execute the method according to any one of claims 5 to 8 .

Images