JP6526293B2 - Electronic currency management device and electronic currency management method - Google Patents

Description

  The present invention relates to an electronic money management device and an electronic money management method.

  Conventionally, it is known to manage the balance of electronic currency such as credits, points and coupons having monetary value by computer. Patent Document 1 discloses a method of storing an electronic currency in a user's account and making a payment in the electronic currency using a portable terminal storing an account number.

Japanese Patent Publication No. 2010-505192

  By the way, there are multiple ways to increase the balance of the electronic currency. For example, there is a method (post payment method) of increasing the balance of the electronic currency and postpaying the increased monetary value. According to the postpaid system, the user can increase the balance of the electronic currency even if he / she does not have cash and deposits at present. Also, according to the postpayment method, for example, the parent can open an electronic currency account for a child, and the parent can postpay for the amount of money the child has increased to the balance of the electronic currency.

  However, if the child is free to increase the balance of the electronic currency on a postpaid basis, the parents will not be billed. And an unintended request may cause a problem that the parent can not pay when postpaying. This problem is also a problem for businesses that provide electronic currency services.

  Therefore, the present invention has been made in view of these points, and it is an object of the present invention to provide an electronic currency management apparatus and an electronic currency management method capable of causing a user to appropriately use electronic currency.

  An electronic currency management apparatus according to a first aspect of the present invention relates to a balance information storage unit that associates and stores user identification information for identifying a user who uses a service, and the balance of electronic currency, and the user of the first user A charging unit for periodically charging a predetermined amount of money to the balance of the electronic currency associated with identification information, and a second user terminal different from the first user in a settlement method for charging the predetermined amount of money And a setting unit that receives settings.

The electronic currency management device requests a charge from the terminal of the first user to the electronic currency that includes the user identification information of the first user and is associated with the user identification information of the first user. A charge receiving unit for receiving a charge request for the user, and selection whether to permit the charge by the charge request from the terminal of the second user when the charge receiving unit receives the charge request from the terminal of the first user The charge receiving unit may perform charging based on the charge request when the selection receiving unit receives a selection for permitting the charge.
When the balance of the electronic currency associated with the user identification information of the first user becomes equal to or less than a predetermined amount, the selection accepting unit changes the user identification information of the first user from the terminal of the second user. A selection of whether to charge the associated electronic currency may be accepted.

The charge acceptance unit is connected to the electronic currency associated with the user identification information of the first user, including the user identification information of the first user, from a terminal of a third user different from the first user. A charge request for requesting a charge may be received, and the charge unit may charge based on the charge request when the charge reception unit receives the charge request from the terminal of the third user.
The electronic currency management apparatus further includes a billing information storage unit that associates and stores the user identification information and billing identification information that identifies a billing address of a communication fee for communication used by the user corresponding to the user identification information. The second user may be a user associated with the billing address corresponding to the first user.
The billing information storage unit stores, in association with the user identification information, information indicating whether or not the user who is the same billing destination decides to permit charging by another user, and the selection receiving unit is configured to When the charge request is received, the charge information storage unit is referred to, and from the user associated with the charge destination corresponding to the first user, the second user who determines permission of charge by the first user is specified. You may

The billing information storage unit stores the user identification information in association with information indicating whether the user is permitted to charge the balance of the electronic currency of the user, and the selection receiving unit is configured to If the first user is a user who is not permitted to charge, the terminal of the second user may receive a selection as to whether or not to permit the charge according to the charge request.
The electronic currency management apparatus may further include a first settlement unit corresponding to the settlement method and adding an amount corresponding to the charge by the charge request to the billed amount.

The charge unit corresponds to the charge according to the charge request, the amount specified based on the first user, the amount specified by the second user, or the amount determined based on the charge history of the balance of the electronic currency. As the amount of money, the balance may be charged.
The electronic currency management device corresponds to a card information storage unit that stores the user identification information and a billing amount corresponding to a credit card used by a user corresponding to the user identification information, and corresponds to the settlement method. The electronic device may further include a second settlement unit that adds an amount corresponding to the charge according to the charge request to a charged amount corresponding to the credit card of the second user.

When the electronic money management device receives the selection for permitting the charge, the electronic currency management device causes the amount corresponding to the charge according to the charge request to be added to the billed amount associated with the settlement unit corresponding to the settlement method set by the setting unit. It may further comprise a settlement control unit.
The electronic currency management device stores contract information storage that associates contract identification information identifying a contract related to the service, the user identification information, and attribute information indicating a parent-child relationship of a user corresponding to the user identification information. You may further provide a part.

  According to a second aspect of the present invention, there is provided an electronic currency management method, wherein a balance information storage unit, which is executed by a computer, stores user identification information for identifying a user who uses a service and the balance of electronic currency in association with one another. Charging a predetermined amount of money periodically to the balance of the electronic currency associated with the user identification information of the user, and charging the predetermined amount of money from a terminal of a second user different from the first user Receiving the setting of the settlement method.

  According to the present invention, there is an effect that the user can appropriately use the electronic currency.

It is a figure showing the outline of the electronic money management system of the present invention. It is a figure showing the system configuration of an electronic money management system. It is a figure which shows the information managed by a card management server and a carrier server. It is a figure which shows the information managed by a point management server. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation | movement at the time of card | curd issuance. It is a figure showing the flow of processing at the time of card issue. It is a figure which shows the operation | movement at the time of charging to a card | curd. It is a figure which shows the operation | movement at the time of purchasing goods using a card | curd. It is a figure which shows the operation | movement at the time of providing a point with respect to a user. It is a figure which shows the operation | movement at the time of providing a user specific service with respect to a user. It is a block diagram which shows the function structure of an electronic money management apparatus. It is a figure which shows the example of a display screen at the time of a 1st user making a charge request to a 2nd user. It is a figure which shows the flow of the process at the time of an electronic money management apparatus charging.

[Overview of Electronic Currency Management System S]
First, an overview of the electronic money management system S will be described with reference to FIG. The electronic money management system S is a system that manages the balance of electronic currency that can be used by the user using the card 11, and enables management of the card 11 from the user's mobile phone (hereinafter, user terminal 12). . An electronic currency is an intangible currency having monetary value, such as credits, points, coupons and the like. The card is, for example, a credit card or a prepaid card that can be used when purchasing goods or services using an electronic currency.

  The user can store electronic currency in an account previously associated with the card 11 and use the card 11 to use the electronic currency stored in the account when purchasing goods or services. In the electronic money management system S, the user terminal 12 uses the user terminal 12 by linking the card 11 and the user terminal 12 in the electronic currency management device 5 accessible via, for example, a base station of a mobile telephone network. Card management is realized. Specifically, in the electronic currency management system S, charge (payment) to a prepaid card, confirmation of a card balance, given points, usage history, and the like are realized using the user terminal 12.

Users can store electronic currency in a variety of ways. The user can store electronic currency by, for example, transferring cash to an account specified by a card number set in the card 11 or making a payment by settlement via the user terminal 12 or a credit card. The user can also store electronic currency by shopping at a real shop or an online shop using the card 11 and receiving points according to the purchase amount and the like. Since the user can check the balance of the electronic currency associated with the card 11 from the user terminal 12, the user is motivated to save the electronic currency and use it in various applications.
Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System Configuration of Electronic Currency Management System S]
FIG. 2 is a diagram showing an example of a system configuration of the electronic money management system S. As shown in FIG. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 5 accessible by the user device 1. The electronic money management device 5 is configured to include a card management server 2, a carrier server 3, and a point management server 4.

  The user device 1 is a device used by each user who uses a service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

  The card 11 is a card for performing settlement using the international brand settlement NW 50, and the payment of the usage amount can be made based on the credit card which can postpay the usage amount by credit card payment and the amount charged in advance. It can be a prepaid card, or a postpaid card that postpays the charge amount. In addition, it is good also as using the card | curd 11 of the integrated type which can select either of these payment systems.

  The user terminal 12 is a communication device that performs communication (call) via the communication NW provided by the communication carrier, and is, for example, a mobile phone, a smartphone, a tablet PC, or the like. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 via an application executed based on the program.

  The card management server 2 is a server that manages, for each user, a usage history corresponding to prepaid payment and a usage history corresponding to credit card payment as the usage history of the card 11, and stores information on the card 11 Do. Here, FIG. 3 (A) and FIG. 3 (B) show an example of various information stored in the card management server 2. As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number, a balance, and a usage history in association with the management number. Further, as shown in FIG. 3B, the card management server 2 stores various information such as a credit card number, an amount of use, and a use history in association with the management number. Hereinafter, when showing both a prepaid card number and a credit card number, it only calls it a "card number."

  The card number is an approximately 16-digit alphanumeric number set in the card 11 and is identification information for identifying the card 11. The management number is a number uniquely corresponding to the card number, and is used to identify the card 11 instead of the card number when cooperating with another server. The balance is information indicating the balance of the amount charged in the account specified by the prepaid card number set in the card 11. The amount of use indicates the amount billed to the user of the card 11, and indicates the total amount of money settled within a predetermined period (for example, one month from the closing date) by the credit card number set on the card 11. It is information. The usage history is a history of shopping using the card 11, and includes purchase date and time, goods / services to be purchased, purchase amount, purchase place (store name), and the like.

  The carrier server 3 is a server used by the communication carrier, and manages the billing amount to be charged in connection with the use of the user terminal 12. The use of the user terminal includes, for example, use for payment of contents or purchase of goods using a mobile phone and communication charges. The carrier server 3 manages the use history of the user terminal 12 of the service provided by the communication carrier for each user. The carrier server 3 calculates the amount billed to the user based on the usage history. Further, the carrier server 3 functions as an entrance (portal) for providing the user terminal 12 with a service provided by the communication carrier. For example, in response to a request from the user terminal 12, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the point management server 4. The balance of the electronic currency can be notified. Further, the carrier server 3 may acquire points associated with the user ID from the point management server 4 and notify the user terminal 12 of the balance of the points.

Here, FIG. 3C shows an example of various information managed by the carrier server 3. As shown in FIG. 3C, the carrier server 3 stores various information such as the telephone number of the user terminal 12, the billing amount, the contract ID, the contractor name, and the charge availability, in association with the user ID.
The user ID is identification information that identifies the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set in the user terminal 12 which is a communication terminal. The billed amount is the amount charged to the user as the user terminal 12 is used, and for example, by charging the card 11 via the user terminal 12, the communication charge, the usage charge of the content used at the user terminal 12, Includes payments made.

  In addition, depending on the communication carrier, not only mobile phones but also complex services such as fixed telephones and cable television may be provided to users. The fee for the service being provided may be included. The contract ID is identification information for identifying a contract signed with the communication carrier, and is information indicating that the contractor has made the contract. In the communication carrier, communication charges etc. may be billed collectively for the same person or in the range of a family. The contract ID and the contractor name are information for determining the scope of combining communication fee claims and the target for which the summarized communication fee is to be billed. Further, the charge availability is information indicating whether or not the user is authorized to charge the balance of the electronic currency corresponding to the card 11 of the user.

  In addition, the carrier server 3 is associated with the user ID, the contract information which is information on the contract such as the contract content of the user terminal 12, the contract due date, the contract date and time, the contract term, etc. It is also possible to store information on payment status such as communication charges, such as payment completed / delayed.

The point management server 4 includes a point according to the use of the card 11 (for example, shopping using the card) and a point according to the use of the service provided to the user indicated by the user terminal 12 or the user indicated by the user ID. It is a server integrated and managed. Here, FIG. 4 (A) and FIG. 4 (B) show an example of various information managed by the point management server 4.
As shown in FIG. 4A, the point management server 4 stores various information such as a management number, points, and detailed information in association with the user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when cooperating with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when cooperating with the card management server 2. Information indicating the number of points given to the corresponding user according to the billed amount acquired from the carrier server 3 and the purchase amount acquired from the card management server 2 (that is, the settlement amount of the purchased product) It is. The specification information is information including the usage history of the card 11 and points, and indicates the history of shopping using the card 11 and the history of points given to the user.

  Further, as shown in FIG. 4 (B), the point management server 4 stores a point grant rate for calculating points to be granted based on the purchase amount and the bill amount in association with the usage form. As the form of use, use of the card 11 or use of the user terminal 12 can be considered, but in addition to these, the rate depending on whether the store using the card 11 is a normal store or a point preferential store, etc. May be different. The information indicating the store using the card 11 can be acquired by receiving the usage history from the card management server 2.

  The point management server 4 may store the balance of the electronic currency managed by the card management server 2 in association with the prepaid card number in association with the user ID. In this case, the point management server 4 updates the stored balance of the electronic currency in synchronization with the timing when the balance of the electronic currency is updated in the card management server 2. The point management server 4 reads the balance of the electronic currency stored in association with the user ID corresponding to the user terminal 12 from the storage unit in response to the request from the user terminal 12, and transmits the balance of the electronic currency via the carrier server 3. The balance can be notified to the user terminal 12. The point management server 4 acquires the balance of the electronic currency associated with the prepaid card number corresponding to the user ID from the card management server 2 at the timing when the balance of the electronic currency is requested from the user terminal 12 The balance may be notified to the user terminal 12.

  As described above, in the electronic currency management system S, the card management server 2, the carrier server 3, and the point management server 4 can cooperate with each other to associate and manage the card number and the user ID. That is, the electronic currency management system S associates and manages card identification information and user identification information identifying a user who uses the user terminal 12. Specifically, in the electronic currency management system S, the point management server 4 associates the card number with the user ID via the management number associated with both the card number and the user ID.

  Then, the electronic currency management system S manages, in the card management server 2, the balance of the electronic currency that can be settled by the card 11, in association with the prepaid card number. The carrier server 3 receives the balance of the electronic currency stored in the account corresponding to the prepaid card number associated with the user ID from the card management server 2 via the point management server 4 in response to the request from the user terminal 12. It is possible to obtain and notify the user terminal 12 of the balance of the electronic currency. By doing this, in the electronic currency management system S, without the user inputting information on the account of the electronic currency to the user terminal 12, it is as if the electronic currency is managed in association with the user terminal 12. It is possible to grasp the balance of the electronic currency in a simple way.

  In the electronic currency management system S configured as described above, the point management server 4 integrates the use status of the card 11 managed by the card management server 2 and the use status of the user terminal 12 managed by the carrier server 3. And realize integration of points. Specifically, the point management server 4 integrates the usage status of the card 11 and the usage status of the user terminal 12 by linking the management number and the user ID.

Since the point management server 4 manages the integrated information in association with the user ID, the usage status of the card 11 of the corresponding user and the usage status of the user terminal 12 can be acquired using the user ID as a key.
Therefore, in the electronic money management system S, when the user using the user terminal 12 makes a request by specifying the user ID, the user can grasp various information managed by the point management server 4. Specifically, when the user terminal 12 transmits predetermined information including a user ID to the carrier server 3, the carrier server 3 acquires various pieces of related information from the point management server 4 using the user ID as a key, and the user It provides to the terminal 12. The point management server 4 and the carrier server 3 may provide the user terminal 12 with information on the difference with respect to the information provided at the time of the previous request.

[Example of display screen of user terminal 12]
Here, an example of a display screen displayed on the user terminal 12 based on various information provided from the carrier server 3 is shown in FIG. FIG. 5A is a display screen 200 showing an example of a top screen displayed during the execution of the application described above, and FIG. 5B is a display showing an example of a menu screen displayed during the execution of the application. It is a screen 210.

As shown in FIG. 5A, the display screen 200 is configured to include a card balance display 201, a point number display 202, a charge button 203, and a menu button 204.
The card balance display 201 is a display showing the balance of the prepaid card 11, and the point number display 202 is a display showing the number of points given to the user. The display contents of the card balance display 201 and the point number display 202 are controlled based on the balance and the number of points of the card 11 acquired from the point management server 4 using the user ID as a key.

The charge button 203 is used when the user charges the card 11 with a desired amount. When the charge button 203 is operated and the user performs a predetermined charge operation, a charge request is issued to the card management server 2 in cooperation with the user ID and the management number.
The menu button 204 is used when calling up menu screens of various services provided by the carrier server 3. When the menu button 204 is operated, the display screen 210 shown in FIG. 5 (B) is displayed on the user terminal 12.

As shown in FIG. 5B, the display screen 210 includes a point menu 211, a shopping menu 212, and a card menu 213.
The point menu 211 includes a menu prompting the use of the points, such as “purchase a product using the points”, “get a benefit (coupon) using the points”, and the like. As a result, since the user is provided with various services that can use points, the user can use the provided points in various scenes.

The shopping menu 212 includes a menu for promoting the use of the card 11, such as "introduction of point preferential shops", "introducing shops that can shop using the card 11", and the like. When the card 11 is used, points corresponding to the purchase amount will be given in the point management server 4, and by providing such a menu, it is possible to increase the opportunity for giving points.
The card menu 213 includes a menu for confirming the usage details of the card 11. By selecting this menu, the user can check the usage history of the card 11.

[Operation of Electronic Currency Management System S]
The configuration of the electronic money management system S has been described above. Subsequently, the operation of the electronic money management system S will be described with reference to FIGS.

[Operation at card issuance]
First, with reference to FIGS. 6 and 7, an operation at the time of issuing a card will be described. In the electronic money management system S, the card 11 is issued in a locked state so that it can not be used, and the card 11 and the user terminal 12 cooperate with each other to unlock the card 11. The locked state is, for example, a state in which the card management server 2 can not make a request such as payment or charge.
Specifically, as shown in FIG. 6, the card 11 is provided with an IC (Integrated Circuit) chip 111 readable by the user terminal 12, and the card is read by the user terminal 12. The 11 is unlocked and the card 11 becomes usable. In the present embodiment, the IC chip 111 corresponding to NFC (Near Field Communication) is provided on the card 11, and the user terminal 12 reads the IC chip 111 using the NFC communication function of its own.

Here, with reference to FIG. 7, an example of processing at the time of card issuance will be described.
First, in step S1, the card issuer (card management server 2) sets the information that can be used for unlocking in the card 11 by storing the information in the IC chip 111. The information stored in the IC chip 111 is arbitrary information, and in this embodiment, for example, a user ID for identifying the user terminal 12 is used. When information usable for unlocking is set in the card 11, the card management server 2 issues the card 11 to the user in step S2.

  When the card 11 issued from the card management server 2 arrives, the user reads the IC chip 111 of the card 11 using the user terminal 12 in step S3. That is, when the user brings the user terminal 12 and the card 11 into contact with each other, the NFC function of the user terminal 12 is exhibited, and information stored in the IC chip 111 that can be used for unlocking is read from the card 11. Subsequently, in step S4, the user terminal 12 determines whether the information owned by the user itself matches the read information. At this time, if the two pieces of information (user ID) match each other, the user terminal 12 makes a use permission request in step S5, and the card management server 2 unlocks the issued card 11 in step S6. , Allow use. On the other hand, when the two pieces of information do not match in step S4, the user terminal 12 performs predetermined error processing in step S7.

In the above, an example of processing at the time of card issuance has been described. The information that can be used to unlock the card 11 may be encrypted according to a predetermined method. In this case, the user terminal 12 determines whether the two pieces of information match each other by holding information in which the user ID of the user terminal 12 is encrypted or by storing encryption key information. be able to.
Further, in the example illustrated in FIG. 7, the user terminal 12 performs the determination for releasing the lock. In this regard, the determination may be performed not by the user terminal 12 but by any of the card management server 2, the carrier server 3, and the point management server 4.

  In addition, when the user terminal 12 reads the IC chip 111 provided on the card 11 after releasing the lock of the card 11, a display screen displayed during execution of the above-mentioned application (for example, a display screen shown in FIG. 5A) 200) may be automatically displayed on the user terminal 12. That is, when the user terminal 12 reads the IC chip 111, the user terminal 12 requests the carrier server 3 for various information, and displays the acquired information in response to the request.

[Operation at the time of charge]
Subsequently, with reference to FIG. 8, an operation at the time of charging the amount of money when the card 11 is a prepaid card will be described. FIG. 8A is a display screen 220 showing a charge menu screen displayed when the charge button 203 is operated in the display screen 200 (see FIG. 5A) showing the top screen.

  As shown in FIG. 8A, the electronic money management system S of the present embodiment at least includes a charge method 221, a charge method 222, and a charge method 223 as a method of charging the card 11 with a monetary amount. The charge method 221 is a charge method for charging the card 11 with an amount of money using at least a part of the awarded points, and charges the money by converting the points into money at a predetermined rate. The charge method 222 is a charge method of charging using carrier settlement. The carrier payment is to make a payment together with the communication charge of the user terminal 12. In the charge method 222, the charged amount is added to the charge amount of the user terminal 12 and charged.

  Further, the charge method 223 is a charge method for charging using credit card payment by a credit card different from the card 11. In this charge method 223, when the electronic currency management system S receives an instruction to charge from the user terminal 12 using credit card payment, the electronic currency management system S charges the balance corresponding to the card 11, and the usage amount corresponding to the amount to be charged. Is added to the credit card usage amount, and the usage history corresponding to the amount is added to the credit card usage history. In the present embodiment, only the charging methods 221, 222 and 223 will be described, but the method of charging the card 11 is not limited to these and may be realized by other methods. For example, a bank account used by the user may be set in advance, and the card 11 may be charged via the bank account.

  The flow of operations of the charge method 221, the charge method 222, and the charge method 223 is shown in FIG. 8 (B). As shown in FIG. 8B, in step S11, the user terminal 12 makes a charge request to the carrier server 3. In this charge request, the user terminal 12 notifies the carrier server 3 of the charge method and charge amount together with the user ID.

  When receiving the charge request, the carrier server 3 notifies the point management server 4 that the charge request has been received from the user terminal 12 in step S12. Specifically, the carrier server 3 notifies the point management server 4 using the user ID identifying the user terminal 12 that has received the charge request.

  Subsequently, in step S13, the point management server 4 specifies a management number corresponding to the user ID, and the card management server 2 has an account associated with the card number set in the card 11 corresponding to the management number. , To notify them to charge the requested amount. When this notification is received, the card management server 2 deposits the notified amount to the account corresponding to the card number set in the card 11 of the prepaid card number corresponding to the management number. The process of step S13 is performed in detail after the process of steps S14A and S14 is performed.

  Step S14A is a process performed when the charge method 221 is selected, step S14B is a process performed when the charge method 222 is selected, and step S14C is a process when the charge method 223 is selected. Is a process that is executed when Step S14C is performed after the process of step S13 is performed.

In step S14A, the point management server 4 subtracts points corresponding to the charge amount from the points associated with the user ID.
Also, in step S14B, the carrier server 3 adds an amount corresponding to the charge amount to the billing amount associated with the user ID, and charges the user at a predetermined timing.

  Further, in step S14C, the card management server 2 adds the charge amount to the usage amount corresponding to the credit card number associated with the management number, and adds the charge amount to the usage history corresponding to the credit card number. Add usage history corresponding to the amount.

  In the carrier settlement, the settlement available limit may be set according to the content of the contract with the communication carrier. As an example, the settlement available frame may be set according to the number of subscription months to the service provided by the communication carrier. For example, the settlement available frame "5000 yen" for the user with the number of subscription months "12 months" For users with 36 months of subscription months, the settlement available frame "10,000 yen" is set. In such a case, in the process of step S14B, the carrier server 3 determines whether or not the total charge amount for the current month is within the settleable limit, and only when the balance is within the clear limit. Settlement may be enabled.

[Operation when purchasing goods]
Subsequently, with reference to FIG. 9, an operation at the time of purchasing a product using the card 11 will be described. The card 11 can be used in a real shop or a virtual shop on the Internet.
When purchasing a product at a real store, as shown in step S21A, the payment NW 50 provided by the international brand is notified of the card number of the card 11 and information on the product purchase by reading the card 11 through the card reader. Ru. Here, the information on the product purchase is, for example, information on the purchase amount, the purchased product, the purchased store, and the like. Further, as shown in step S21B, when purchasing a product in the virtual store, the user terminal 12 notifies the payment NW 50 of the card number of the card 11 and information on the product purchase.

  When a predetermined settlement process is performed in the settlement NW 50, in step S22, the settlement NW 50 notifies the card management server 2 of the card number and information on the purchase of a product. As shown in FIGS. 3A and 3B, the card management server 2 manages various information in association with each of a credit card number and a prepaid card number, and is included in a plurality of card numbers. When the first card number and the amount information indicating the purchase amount when purchasing the product or service are received, the use history corresponding to the purchase amount is used in the use history corresponding to the payment method related to the received card number. to add.

  For example, when the card management server 2 receives the prepaid card number in step S23A, as shown in FIG. 3A, the card management server 2 subtracts the purchase amount from the balance associated with the prepaid card number and adds the usage history. Do. Further, when the card management server 2 receives the credit card number in step S23B, as shown in FIG. 3B, the card management server 2 adds the purchase amount to the amount of use associated with the credit card, and adds the use history. Do. Subsequently, in step S24, the card management server 2 specifies a management number corresponding to the received card number.

  Subsequently, in step S25, the card management server 2 notifies the point management server 4 of the information on the purchase of the commodity together with the management number corresponding to the card number. The point management server 4 updates the point associated with the user ID corresponding to the management number based on the acquired information on the product purchase.

[Operation when applying points]
Subsequently, with reference to FIG. 10, an operation at the time of giving points to the user will be described. As described above, in the electronic money management system S of the present embodiment, points are awarded in accordance with the purchase of a product using the card 11 and also in accordance with the use of the user terminal 12.

When giving a point according to the purchase of goods, point management server 4 acquires information about goods purchase with a management number from card management server 2 in Step S31. Then, in step S32, the point management server 4 specifies a rate according to the store that has purchased the product, and calculates a point according to the purchase amount based on the rate. The processes in steps S31 and S32 are performed each time the user purchases a product using the card 11.
After calculating the points corresponding to the purchase amount, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.

In addition, in step S33, the point management server 4 acquires the billing amount from the carrier server 3 together with the user ID. Then, in step S34, the point management server 4 calculates points according to the billed amount based on a predetermined rate. The processes in steps S33 and S34 are performed at the timing when the billed amount is determined.
After calculating the points according to the billed amount, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID.

[Operation when providing service to user]
Then, with reference to FIG. 11, the operation | movement at the time of providing the service peculiar to the said user with respect to the user using electronic money management system S is demonstrated.

In step S41, when the user terminal 12 accesses the carrier server 3 with the user ID, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, the point management server 4 acquires information on the service corresponding to the notified user ID, and notifies the carrier server 3 of the information. In step S44, the carrier server 3 provides the service to the user terminal 12. Be done.
The point management server 4 manages the access history for each user ID, and based on the access history, difference information (the amount of money used, the amount of charge, the increase or decrease of the points) from the previous access, the current balance and Get the current number of points. Then, the acquired information is provided to the user terminal 12 via the carrier server 3, whereby the difference with the previous time, the current balance, the number of points, and the like are displayed on the user terminal 12.

Note that the service corresponding to the user ID is, for example, a service that enables confirmation of the balance of the card 11 owned by the user and the granted points, and also introduces (recommends) products that match the user's attributes Service etc.
As an example, the point management server 4 can purchase an item that can be purchased with the balance or point, or can add an item slightly after the item that is insufficient with the balance or point, based on the balance or point associated with the user ID. Provide a service to introduce etc. In addition, the point management server 4 provides a service for introducing a product preferred by the user based on the user's attributes (sex, age, date of birth, hobby preference) and the like associated with the user ID. Such services can also be provided that have been updated since the previous access.

  In addition, the point management server 4 may change the point to a state in which the point can not be used when the contract with the service provider using the user terminal 12 is cancelled. For example, it is assumed that the communication carrier provides the communication service using the user terminal 12 and gives the user of the user terminal 12 a point according to the communication charge. In this case, when the point management server 4 acquires from the carrier server 3 information indicating that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. When the point management server 4 acquires information indicating that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that the point can not be used. The point management server 4 changes the above flag by receiving the notification from the carrier server 3 that the user has resumed the contract with the communication carrier from the carrier server 3 within a predetermined period of time after canceling the contract. You may use it.

  The electronic money management apparatus of the present invention is suitably used in the electronic money management system S described above. Hereinafter, the electronic money management apparatus of the present invention will be described.

[Functional Configuration of Electronic Currency Management Device 5]
First, the configuration of the electronic money management device 5 will be described with reference to FIG. FIG. 12 is a block diagram showing a functional configuration of the electronic money management device 5 of the present invention. The electronic currency management device 5 may be realized by any one of the card management server 2, the carrier server 3 and the point management server 4 described above, and the card management server 2 and the carrier server It may be realized by the cooperation of the 3 and the point management server 4. In this respect, in the present embodiment, the electronic money management apparatus 5 is realized by the card management server 2, the carrier server 3, and the point management server 4 cooperating with each other.

As shown in FIG. 12, the electronic currency management device 5 is configured to include a balance information storage unit 51, a card information storage unit 52, a billing information storage unit 53, a storage unit 54, and a control unit 55.
The balance information storage unit 51 is a storage medium such as a hard disk, and stores user identification information identifying a user who uses a service provided by the communication carrier, and the balance of the electronic currency corresponding to the prepaid card 11 in association with each other. Do. In the present embodiment, the balance information storage unit 51 is provided in the card management server 2, and as shown in FIG. 3A, the management number as user identification information, the prepaid card number, the balance, The usage history is associated and stored.

  The card information storage unit 52 associates and stores the user identification information and the billing amount corresponding to the credit card used by the user corresponding to the user identification information. In the present embodiment, the card information storage unit 52 is provided in the card management server 2, and as illustrated in FIG. 3B, the management number as the user identification information, the credit card number, and the billing amount Is stored in association with the usage amount of and the usage history.

  The billing information storage unit 53 associates and stores user identification information and billing identification information that identifies the billing address of the communication fee for the communication used by the user corresponding to the user identification information. Further, the billing information storage unit 53 permits the user identification information to include information indicating whether or not the user who is permitted to charge by the other user having the same billing destination is the charge, and a charge corresponding to his own electronic currency. It is stored in association with information indicating whether or not the user is a user.

  In the present embodiment, the billing information storage unit 53 is provided in the carrier server 3, and as shown in FIG. 3C, the user ID as the user identification information, the billing amount, the contract ID, the contractor name, Information such as charge availability is associated and stored. Here, the user displayed as “○” in the contractor name is a user who determines permission of charging by another user of the same billing destination. Further, the user displayed with “X” in the contractor name is a user whose charge permission is determined by another user of the same billing destination. The user whose charge is determined to be authorized by the other user of the same billing destination is a user who is not authorized to charge the balance of the electronic currency corresponding to the prepaid card 11. Hereinafter, a user who is not permitted to charge corresponding to his / her prepaid card 11 and whose charge is determined to be permitted by another user of the same billing destination is referred to as a first user, another user of the same billing destination. The user who determines the permission of the charge by the user of (1st user) is called 2nd user.

  In the above description, the first user and the second user are determined based on “o” and “x” displayed in the contractor name, but the present invention is not limited to this. For example, the first user and the second user may be determined based on family attributes of the user such as a parent-child relationship.

  The storage unit 54 is a memory such as a ROM and a RAM, or a storage medium such as a hard disk. In the present embodiment, the storage unit 54 is configured of a memory, a hard disk, or the like provided in each of the card management server 2, the carrier server 3, and the point management server 4. The storage unit 54 stores a plurality of programs for operating the control unit 55 and data generated when the control unit 55 operates.

  The control unit 55 is, for example, a CPU, and executes the program stored in the storage unit 54 to thereby execute the charge reception unit 551, the selection reception unit 552, the charge unit 553, the settlement control unit 554, the first settlement unit 555, and It functions as the second settlement unit 556.

  The charge accepting unit 551 accepts a charge corresponding to the prepaid card 11 owned by the first user, that is, a charge request for requesting a charge for increasing the balance of the electronic currency associated with the first user.

  For example, charge accepting unit 551 accepts a charge request according to the following procedure. First, on the display screen 200 (see FIG. 5A) displayed on the user terminal 12, when the charge button 203 is operated, a display request for requesting display of the charge screen is included from the user terminal 12 including the user ID. It is sent to the electronic money management device 5.

  When the charge receiving unit 551 receives the display request, the charge reception unit 551 refers to the billing information storage unit 53, and the user corresponding to the user ID included in the display request is a user whose charge by the user is not permitted, that is, 1 Determine whether it is a user. When it is determined that the user is the first user, charge accepting portion 551 generates charge request screen 250 shown in FIG. 13A for requesting the second user to charge. Then, the charge reception unit 551 transmits the charge request screen 250 to the user terminal 12 and causes the display unit of the user terminal 12 to display it.

  As shown in FIG. 13A, the charge request screen 250 has a display 251 indicating the user name of the second user who is to determine permission for charging, an input field 252 for receiving an input of a desired charge amount, and the input information And a cancel button 254 for canceling the charge request.

  In the example shown in FIG. 13A, it is assumed that the user "Hanako" corresponding to the user ID "HANAKO 78" shown in FIG. 3C has made a display request as the first user, and is identical to the user ID "HANAKO 78" It can be confirmed that the display screen 250 for requesting a charge to the user "Taro" corresponding to the billing user ID "TARO 97" is displayed.

  In addition, although the input column is provided in the charge request screen 250 shown to FIG. 13 (A), it does not restrict to this. For example, the charge receiving unit 551 may generate the charge request screen 250 in which the charge amount preset by the first user or the second user is displayed as a desired charge amount. Further, the charge accepting unit 551 may prevent the first user from changing the desired charge amount on the charge request screen 250.

  Further, the charge accepting unit 551 may determine the desired charge amount based on the history of charging the balance of the electronic currency corresponding to the prepaid card 11 of the first user. In addition, the charge receiving unit 551 may cause the charge request screen 250 to display recommendation information indicating that it is preferable to charge the determined charge amount.

  In the display screen 250, when the first user inputs a desired charge amount into the input field 252 and performs an operation to press the request button 253, a charge request is transmitted from the user terminal 12 to the electronic currency management device 5 Ru. The charge request includes the user ID of the first user and information indicating the desired charge amount. The charge receiving unit 551 receives the charge request from the user terminal 12.

  In the above description, the charge receiving unit 551 receives the charge request from the user terminal 12 of the first user, but the present invention is not limited to this. For example, when the balance of the electronic currency corresponding to the prepaid card 11 of the first user becomes equal to or less than a predetermined amount, the charge accepting unit 551 is configured to automatically charge the balance. The charge request according to the above may be received from the control unit 55. Thus, even when the balance of the electronic currency corresponding to the prepaid card 11 of the first user is auto-charged, it is possible to charge according to the permission by the second user.

  Further, the charge accepting unit 551 accepts a charge request from the control unit 55 when the balance of the electronic currency corresponding to the card 11 is insufficient due to the first user shopping with the prepaid card 11 or the like. It is also good. Further, the charge accepting unit 551 may accept a charge request to increase the balance of the electronic currency corresponding to the first user from the third user who belongs to the same billing destination and is different from the first user and the second user. . In addition, the charge receiving unit 551 may receive, from the second user or the third user, a setting for periodically charging the balance of the electronic currency corresponding to the first user. Then, the charge reception unit 551 may periodically receive a charge request from the control unit 55 based on the setting. For example, if the first user is a child, the second user is a father, and the third user is a mother, the second user or the third user may, for example, periodically (eg, 1) instead of spending money on the first user. Once a month) can be charged to the balance of the electronic currency corresponding to the first user.

  When the charge reception unit 551 receives the charge request, the selection reception unit 552 determines whether or not to permit the charge according to the charge request from the user terminal 12 of the second user associated with the billing destination corresponding to the first user. Accept the selection of Specifically, when the selection receiving unit 552 receives the charge request, the selection receiving unit 552 refers to the billing information storage unit 53 and associates it with the billing address corresponding to the first user based on the user ID included in the charge request. The second user who determines the permission of charging by the first user is specified from the user who is

  For example, when a charge request is made from the user "Hanako" corresponding to the user ID "HANAKO 78" shown in FIG. 3C, the selection receiving unit 552 charges the same user ID "HANAKO 78" as the second user. The user "Taro" corresponding to the previous user ID "TARO 97" is specified.

  The selection receiving unit 552 generates a permission selection screen 260 shown in FIG. 13B for receiving whether or not to permit charging by the charge request, and transmits the display screen to the user terminal 12 of the second user for display.

  As shown in FIG. 13B, the permission selection screen 260 displays a display 261 indicating the requesting user, a display 262 displaying the charge amount desired by the first user, and permission to permit the first user to charge. A button 263 and a disapproval button 264 not allowing the first user to charge are included. In FIG. 13 (B), it can be confirmed that the user “Hanako” wants to charge 2,000 yen is displayed corresponding to FIG. 13 (A).

  Here, the selection receiving unit 552 generates a permission / refusal selection screen 260 provided with an input field for specifying the charge amount instead of the display 262 for displaying the desired charge amount so that the first user can change the charge amount. May be The desired charge amount may be displayed in advance in this input field.

  In addition, the selection receiving unit 552 may generate the permission selection screen 260 on which the charge history corresponding to the first user is displayed or the permission selection screen 260 on which a link for accessing the charge history is provided. In addition, the selection accepting unit 552 determines the charge amount based on the history of charging the first user's electronic currency balance, and the recommendation information indicating that it is preferable to charge the determined charge amount is the permission selection screen 260 It may be displayed on the screen.

  When the second user performs an operation to press the disapproval button 264, disapproval information for disallowing a charge request from the user terminal 12 of the second user to the electronic currency management device 5 is transmitted. When receiving the non-permission information, the selection receiving unit 552 generates a screen including a non-permission message indicating that the charge request has been disallowed, and transmits the screen to the user terminal 12 of the first user for display. Here, the selection receiving unit 552 may receive a message indicating the reason for disapproval from the second user, and transmit the message to the user terminal 12 of the first user for display.

  When the second user performs an operation to press the permission button 263, permission information for permitting a charge request to the electronic currency management device 5 is transmitted from the user terminal 12 of the second user. When receiving the permission information, the selection receiving unit 552 receives the selection of the settlement method for the settlement corresponding to the charge. Specifically, the selection receiving unit 552 generates a payment selection screen 270 for selecting a payment method shown in FIG. 13C, transmits the payment selection screen to the user terminal 12 of the second user, and displays the payment selection screen. Accept a selection of payment methods via 270.

  As shown in FIG. 13C, the settlement selection screen 270 includes a first selection button 271 and a second selection button 272 for receiving the selection of the settlement method, and a button 273 for returning the display to the permission / disapproval selection screen 260. The first selection button 271 is a button for selecting carrier settlement as the settlement method, and the second selection button 272 is a button for selecting credit card settlement as the settlement method.

  When the second user performs an operation to press the first selection button 271 or the second selection button 272, the user terminal 12 includes payment type information indicating the selected payment method, and instructs the user to issue a charge instruction. Send to the electronic money management device 5.

  In the above description, the selection receiving unit 552 receives the selection of the settlement method from the user terminal 12 of the second user after the charge is permitted, but the present invention is not limited thereto. For example, the selection accepting unit 552 may accept the setting of the settlement method corresponding to the charge request in advance by the second user and automatically select the settlement method set in advance after the charge is permitted. Good. By doing this, the second user at the time of receiving the charge request can reduce the operation, and can easily charge the balance of the electronic currency corresponding to the first user.

  When the selection receiving unit 552 receives the selection for permitting the charge, the charge unit 553 performs the charging by the settlement method specified by the second user based on the charge request. Specifically, when the charge unit 553 receives instruction information for instructing a charge, the charge unit 553 specifies, based on the payment type information included in the instruction information, whether carrier payment or credit card payment is to be performed. Then, the charge unit 553 causes the settlement unit corresponding to the identified settlement method to be charged. Here, the charge unit 553 makes a charge request for the amount determined by the electronic currency management device 5 based on the amount specified by the first user, the amount specified by the second user, or the history of charging the balance of the electronic currency. Charge the balance of the electronic currency as the amount corresponding to the charge by.

  When the selection receiving unit 552 receives the selection for permitting the charge, the settlement control unit 554 adds the amount corresponding to the charge by the charge request to the billed amount corresponding to the selected settlement method. Specifically, like the charge unit 553, the settlement control unit 554 specifies the settlement method based on the settlement type information included in the instruction information for instructing the charge, and sets the settlement unit corresponding to the identified settlement method to the settlement method. Let me settle.

Here, the control unit 55 includes a first settlement unit 555 and a second settlement unit 556 as settlement units.
The first settlement unit 555 charges the balance of the electronic currency associated with the first user by the amount designated by the first user, and at the same time, the communication fee of the communication used by the second user by the amount corresponding to the charge. Add to the billed amount.

  Specifically, the first settlement unit 555 specifies the management number of the prepaid card 11 corresponding to the user ID of the first user with reference to the information shown in FIG. 4A. Then, it refers to the information shown in FIG. 3A, and charges the balance of the electronic currency of the prepaid card 11 corresponding to the first user and associated with the identified management number. Further, the first settlement unit 555 adds the amount corresponding to the charge to the billed amount associated with the user ID of the second user with reference to the information shown in FIG. 3 (C).

  Here, in the information shown in FIG. 3C, the billed amount is set for each of a plurality of users associated with one contract ID, but one billed amount is set for one contract ID. It may be done. In this case, the first settlement unit 555 adds an amount corresponding to the charge to the charge amount.

  The second settlement unit 556 charges the balance of the electronic currency associated with the first user by the amount specified by the first user, and the amount corresponding to the charge corresponds to the credit card of the second user Add first.

  Specifically, the second settlement unit 556 refers to the information shown in FIG. 4A and specifies the management number of the prepaid card 11 corresponding to the user ID of the first user, and The management number of the credit card (card 11) corresponding to the user ID is specified. Then, with reference to the information shown in FIG. 3A, the second settlement unit 556 charges the balance of the electronic currency of the prepaid card 11 corresponding to the first user. Further, based on the information shown in FIG. 3B, the second settlement unit 556 adds the amount corresponding to the charge to the amount of use (the amount billed) associated with the credit card corresponding to the second user. .

[Process of electronic money management device 5]
Subsequently, with reference to FIG. 14, a flow of processing when the electronic currency management device 5 performs charging will be described. FIG. 14 is a flowchart showing the flow of processing when the electronic money management device 5 charges.

First, the charge receiving unit 551 receives a display request for requesting display of the charge screen from the user terminal 12 (S51). The display request includes the user ID.
Subsequently, when the charge receiving unit 551 receives the display request, the charge reception unit 551 refers to the billing information storage unit 53, and the user corresponding to the user ID included in the display request is a user whose charge by the user is not permitted. That is, it is determined whether or not it is the first user (S52). If it is determined that the user is the first user, the process proceeds to S53. If it is determined that the user is not the first user, the desired amount of charge is accepted, and the process proceeds to S58.

  Subsequently, the charge receiving unit 551 causes the first user terminal 12 to display a charge request screen 250 for requesting the second user to charge, and receives the charge request via the charge request screen 250 (S53). . The charge request includes a user ID and information indicating a desired charge amount.

  Subsequently, the selection accepting unit 552 permits the charge by the first user from the user associated with the billing address corresponding to the first user based on the user ID of the first user included in the charge request. The second user who determines the is identified (S54).

  Subsequently, the selection receiving unit 552 causes the second user's user terminal 12 to display a permission selection screen 260 for receiving whether or not to permit charging by the charge request, and permits the second user to charge by the charging request. The selection as to whether or not is accepted (S55).

  Subsequently, the selection receiving unit 552 determines whether or not the selection for permitting the charge has been received (S56). If it is determined that the selection not to permit the charge is accepted, the process proceeds to S57, and notifies the user terminal 12 of the first user of the disapproval message indicating that the charge request has been disapproved. If the selection accepting unit 552 determines that the selection for permitting the charge is accepted, the process proceeds to S58.

  Subsequently, when it is determined that the selection for permitting the charge is accepted, the selection accepting unit 552 causes the settlement selection screen 270 for selecting the settlement method to be displayed on the user terminal 12 of the second user, and the second user responds to the charge. The selection of the settlement method of settlement is accepted (S58).

  Subsequently, when the charge unit 553 receives the selection of the settlement method, the charge unit 553 performs charge processing. Specifically, the charge unit 553 controls the first settlement unit 555 or the second settlement unit 556, and performs charge by the settlement method designated in S58 as the charge process (S59).

  Subsequently, the settlement control unit 554 controls the first settlement unit 555 or the second settlement unit 556 to perform settlement processing in which the amount corresponding to the charge by the charge request is added to the billing amount related to the selected settlement method. Perform (S60).

[Effect by electronic money management system S]
In the electronic currency management system S described above, the card management server 2, the carrier server 3, and the point management server 4 can cooperate with each other to associate and manage the card number and the user ID. Therefore, the carrier server 3 transmits the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID to the card management server 2 through the point management server 4 in response to the request from the user terminal 12. , And can notify the user terminal 12 of the balance of the electronic currency. By doing this, in the electronic currency management system S, without the user inputting information on the account of the electronic currency to the user terminal 12, it is as if the electronic currency is managed in association with the user terminal 12. It is possible to grasp the balance of the electronic currency in a simple way.

  Further, in the electronic currency management system S, when the electronic currency management device 5 receives a charge request for requesting a charge for increasing the balance of the electronic currency corresponding to the prepaid card 11 associated with the first user. From the user terminal 12 of the second user associated with the billing destination corresponding to the first user, the selection of whether to permit the charge according to the charge request is accepted. Then, when the electronic currency management device 5 receives the selection for permitting the charge, the electronic currency management device 5 performs the charge by the settlement method set by the second user based on the charge request.

  By doing this, it is possible to prevent an unintended bill from being generated for the second user by performing charging by the first user according to the postpaid system. Thereby, since the charge by the first user can be suppressed, it is suppressed that the first user charges the balance of the electronic currency corresponding to the prepaid card 11, and the electronic currency is appropriately used. Can be used to

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It is apparent to those skilled in the art that various changes or modifications can be added to the above embodiment. In particular, the specific embodiment of the distribution and integration of the devices is not limited to the one illustrated above, and all or part of the specific embodiments according to various additions or the like or according to the functional load, in arbitrary units. It can be configured to be distributed or integrated functionally or physically.

S ... electronic currency management system, 1 ... user equipment, 11 ... card, 12 ... user terminal, 2 ... card management server, 3 ... carrier server, 5 ... electronic currency Management device, 51 ... balance information storage unit, 52 ... card information storage unit, 53 ... billing information storage unit, 54 ... storage unit, 55 ... control unit, 551 ... charge acceptance Part 552 ... selection reception part, 553 ... charge part, 554 ... settlement control part, 555 ... first settlement part, 556 ... second settlement part, 4 ... point management server , 50 ... settlement NW

Claims (13)

A balance information storage unit that stores user identification information identifying a user who uses the service and the balance of the electronic currency in association with each other;
A billing information storage unit that associates and stores the user identification information and billing identification information that identifies the billing destination of the service fee using the terminal used by the user corresponding to the user identification information;
A setting unit that receives, from the terminal of the second user associated with the billing destination corresponding to the first user in the billing information storage unit, the setting of the settlement method for charging of a predetermined amount;
The balance of the electronic money associated with the user identification information of the first user, the payment method of the setting unit accepts, a charge unit that performs charging of periodically predetermined amount,
Electronic currency control device comprising: A charge for receiving a charge request for requesting charging of the electronic currency, which includes the user identification information of the first user and is associated with the user identification information of the first user, from the terminal of the first user Reception department,
A selection receiving unit that receives, from the terminal of the second user, a selection as to whether or not to permit charging according to the charge request when the charge receiving unit receives the charge request from the terminal of the first user;
And further
The charge unit charges based on the charge request when the selection reception unit receives a selection for permitting the charge.
The electronic money management device according to claim 1. When the balance of the electronic currency associated with the user identification information of the first user becomes equal to or less than a predetermined amount, the selection accepting unit changes the user identification information of the first user from the terminal of the second user. Accept a selection of whether to charge the associated electronic currency;
The electronic money management device according to claim 2. The charge acceptance unit is connected to the electronic currency associated with the user identification information of the first user, including the user identification information of the first user, from a terminal of a third user different from the first user. Accept a charge request to request a charge,
When the charge receiving unit receives the charge request from the terminal of the third user, the charge unit performs charging based on the charge request.
The electronic money management device according to claim 3. The billing information storage unit associates and stores the user identification information and billing identification information for identifying a billing address of a communication fee for communication used by a user corresponding to the user identification information.
The electronic money management apparatus according to any one of claims 2 to 4. The billing information storage unit stores the user identification information in association with information indicating whether or not the user is a user who is permitted to charge by another user who has the same billing destination.
When the selection receiving unit receives the charge request, the selection receiving unit refers to the billing information storage unit and determines permission of charging by the first user from a user associated with the billing destination corresponding to the first user. Identify the second user to
The electronic money management apparatus according to any one of claims 2 to 5 . The billing information storage unit stores the user identification information in association with information indicating whether the user is permitted to charge the balance of the electronic currency of the user.
When the first user is a user who is not permitted to charge, the selection receiving unit receives, from the terminal of the second user, a selection as to whether or not to permit charging according to the charge request.
The electronic money management apparatus according to any one of claims 2 to 6 . The system further comprises a first settlement unit corresponding to the settlement method and adding an amount corresponding to the charge according to the charge request to the billing amount of the billing destination,
The electronic money management apparatus according to any one of claims 2 to 7. The charge unit corresponds to the charge according to the charge request, the amount specified based on the first user, the amount specified by the second user, or the amount determined based on the charge history of the balance of the electronic currency. Charge the balance as an amount
The electronic money management apparatus according to any one of claims 2 to 8. A card information storage unit that associates and stores the user identification information and a billing amount corresponding to a credit card used by a user corresponding to the user identification information;
The system further comprises a second settlement unit corresponding to the settlement method and adding an amount corresponding to the charge according to the charge request to an amount corresponding to the credit card of the second user.
The electronic money management apparatus according to any one of claims 2 to 9. The system further comprises a settlement control unit that, upon receipt of the selection for permitting the charge, adds an amount corresponding to the charge according to the charge request to a billed amount associated with a settlement unit corresponding to the settlement method set by the setting unit.
The electronic money management apparatus according to any one of claims 2 to 10. A contract information storage unit that associates and stores contract identification information for identifying a contract related to the service, the user identification information, and attribute information indicating parent-child relationships of users corresponding to the user identification information.
The electronic money management apparatus according to any one of claims 1 to 11. Computer runs,
A billing information storage unit that associates and stores user identification information that identifies a user who uses a service and billing identification information that identifies the billing destination of a service charge using a terminal used by the user corresponding to the user identification information A settlement method for charging a predetermined amount of money from the terminal of the second user associated with the billing address corresponding to the first user to the balance of the electronic currency associated with the user identification information of the first user Accepting the settings of the
And the user identification information, the balance information storage unit that associates and stores the balance of the electronic money, the electronic money balances associated with the user identification information of the first user, in the step of accepting the setting the payment methods accepted, a step of performing a charge of periodically predetermined amount,
Electronic money management method comprising:

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