JP7385897B2 - Settlement system, currency exchange system - Google Patents

Description

The present invention relates to a payment system and a money exchange system using a money exchange machine that can handle foreign currency and virtual currency.

When foreign tourists shop in Japan, they first need to exchange foreign currency into that country's currency (for example, Japanese yen). However, currency exchange offices are not available everywhere, so foreign tourists often use credit cards or debit cards to make purchases.

Furthermore, as a payment method that is easier than card payment, mobile payment using an individual's mobile terminal such as a mobile phone or smartphone is known. Mobile payments allow customers to shop at stores without having to carry a credit card with them.

In recent years , payments using electronic money and virtual currency have become commonplace. Electronic money can be used to purchase products at retail stores and ride public transportation, but virtual currency is still mostly used for payments over the Internet.

For example, if the arcade game device of Patent Document 1 detects cash insertion before detecting an electronic payment medium, it assumes that the player wishes to pay in cash. In that case, the arcade game device requests the player to input a user ID associated with the virtual account following cash insertion.

If the user ID can be obtained, the arcade game device will, for example, deduct the deposited amount of 600 yen from the 1 play consideration of 540 yen including tax, and add the remaining 60 yen to the "individual premium" set in advance by the store operator. amount" and the "common premium amount" set in advance by the electronic payment administrator. Then, a request is made to the server system to add virtual currency equivalent to this total value to the virtual account associated with the user ID (paragraphs 0042 and 0043, FIG. 3).

JP2016-014922A

In Japan, payments are mainly made in cash, but it is possible that there will be a shift to cashless payments in the future. Therefore, although foreign tourists need to exchange foreign currency, there is a desire for a procedure that allows them to make cashless payments at the same time.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a payment system and a currency exchange system that allow customers to easily exchange foreign currency or virtual currency for shopping.

The payment system of the first invention is a payment system comprising a customer terminal owned by a customer and a money exchange machine capable of handling foreign currency owned by the customer or virtual currency deposited at an exchange, the money exchange machine comprising: a deposit unit into which the customer deposits foreign currency; and a rate conversion unit which converts the foreign currency amount deposited from the deposit unit or the virtual currency amount specified by the customer into a local currency amount based on the current rate. , a display unit that displays currency exchange information including the amount of the virtual currency to be withdrawn from the exchange as a two-dimensional code, and the customer terminal is configured to display the amount of the local currency converted and exchanged by the rate conversion unit. or a storage unit that stores the amount of the virtual currency withdrawn from the exchange, an imaging unit that captures the two-dimensional code, and communication with the exchange using the two-dimensional code captured by the imaging unit. , and a communication unit that transmits the exchange information .

The money exchange machine that constitutes the payment system of the present invention can handle foreign currency and virtual currency. When a customer deposits foreign currency from the exchange machine's deposit section or specifies virtual currency deposited at an exchange, the rate conversion section converts it into a local currency amount. Then, the amount of local currency whose rate has been converted (including local currency converted from virtual currency) or the amount of virtual currency withdrawn from the exchange is stored in the storage unit of the customer terminal. Therefore, the customer can easily make purchases using the exchanged local currency or virtual currency.

According to this configuration, the display section of the exchange machine displays exchange information as a two-dimensional code, and the customer images the two-dimensional code using the imaging section of the customer terminal. This allows customers to transfer exchange information to their mobile terminals. Furthermore, since the customer sends exchange information to the exchange through the communication unit of the customer terminal, the customer can withdraw virtual currency from the exchange through a simple procedure.

Further, in the payment system of the first invention, the money exchange machine records on a magnetic card the amount of the local currency converted and exchanged by the rate conversion unit or the amount of the virtual currency withdrawn from the exchange; It is preferable to include a card issuing unit for issuing cards.

The card issuing department of the currency exchange machine records the amount of local currency converted by the rate conversion department (including local currency converted from virtual currency) or the amount of virtual currency withdrawn from the exchange on a magnetic card, and sends it to the customer. Issued to. This allows customers to easily shop using their magnetic cards.

Further, in the payment system of the first invention, the money exchange machine includes a card reading section that reads the magnetic card on which the amount of the local currency or the amount of the virtual currency is recorded, and in the case of the amount of the local currency, the balance thereof is read. It is preferable that the amount is refunded in cash or stored as electronic money in the storage section of the customer terminal, and in the case of virtual currency, the balance thereof is stored in the storage section of the customer terminal.

According to this configuration, the customer can refund the balance of local currency on the magnetic card in cash or electronic money by having the card reading section of the exchange machine read the magnetic card. Furthermore, if the balance on the magnetic card is virtual currency, it is stored in the storage section of the customer's mobile terminal, so it can be deposited at the exchange via the storage section. As a result, all local currency and virtual currency recorded on the magnetic card will be returned to the customer.

Further, in the payment system of the first invention, when the storage unit stores the amount of the local currency, the money exchanger converts the local currency into a low-denomination bill or coin, or a combination thereof, and cashes the money. It is preferable to include a banknote exchange unit that dispenses banknotes.

According to this configuration, the customer can receive local currency by breaking it into low-denomination bills, coins, or a combination thereof using the banknote exchange unit of the exchange machine, thereby eliminating the need to prepare small change for small purchases or tipping. can.

Further, in the payment system of the first invention, the money exchange machine includes a passport import unit that scans and imports a customer's passport, and creates a tax exemption document based on the information of the passport imported by the passport import unit. It is preferable to have a tax exemption document preparation department.

The customer's passport serves as a means of personal authentication when the exchange amount is large. Since the currency exchange machine is equipped with a passport receiving section and a tax-exempt document creation section, a customer can exchange money and create tax-exempt documents using one currency exchange machine.

The money exchange system of the second invention includes a customer terminal owned by a customer and a money exchange machine capable of handling monetary information owned by the customer, and capable of exchanging the monetary information using a payment application of the customer terminal. The currency exchange system includes a rate conversion unit that converts the amount of monetary information input by the customer into a currency amount based on a current rate, and a payment unit that allows the customer to make a payment using the payment application. a display unit that displays currency exchange information acquired from the company as a two-dimensional code; The present invention is characterized in that it includes an imaging section that captures an image of the code , and a communication section that communicates with the payment company using the two-dimensional code captured by the imaging section and transmits the exchange information.

In the currency exchange system of the present invention, a customer can use a payment application on a customer terminal to exchange amount information (currency of electronic information) into actual currency. When a customer inputs amount information from the money exchange machine, the rate converter converts it into a currency amount. Then, the amount of the currency whose rate has been converted is stored in the storage unit of the customer terminal.

The display section of the exchange machine displays exchange information as a two-dimensional code, and the customer images the two-dimensional code using the imaging section of the customer terminal. This allows customers to transfer exchange information to their mobile terminals. Furthermore, since the customer transmits currency exchange information to the payment company through the communication unit of the customer terminal, the customer can easily withdraw actual currency from the currency exchange machine and make purchases upon successful completion of the payment.

1 is a schematic diagram of a payment system according to a first embodiment of the present invention. The figure explaining the details of a money exchange machine. Internal configuration diagram of the money exchange machine. A diagram explaining details of tax exemption documents. Flowchart of virtual currency processing. A schematic diagram of a currency exchange system according to a second embodiment of the present invention. The figure explaining the transition of a display at the time of a currency exchange process. The figure explaining the additional function of a money exchange machine.

[First embodiment]
FIG. 1 is a schematic diagram of a payment system 1 according to a first embodiment of the present invention.

The settlement system 1 includes a currency exchange machine 10 where foreign tourists (hereinafter referred to as customers) deposit foreign currency such as dollars and renminbi and exchange money, a mobile terminal 20 owned by the customer, and a virtual currency deposited therein. It consists of an exchange 30. The money exchange machine 10 is installed in places frequently visited by customers, such as financial institutions, airports, hotels, and commercial facilities.

The exchange machine 10 shown in FIG. 1(a) acquires the exchange rate in order to display on the display 12 how much it will be worth in local currency (Japanese yen) when foreign currency (for example, dollars) is deposited. There is a need to. For this reason, the exchange machine 10 is connected to the Internet so that the current exchange rate can be remotely distributed.

Further, the money exchange machine 10 can handle electronic money such as nanaco (registered trademark) and PASMO (registered trademark) as well as virtual currencies such as Bitcoin (registered trademark) and Ripple (registered trademark). As the exchange rate of virtual currencies constantly fluctuates, the current exchange rate is now distributed remotely.

The mobile terminal 20 is a smartphone or a tablet PC having a touch panel display 21, and a camera 22 (the "imaging unit" of the present invention) for capturing and reading the two-dimensional code X (see the display 12 of the exchange machine 10). ) (see Figure 1(b)). When a customer uses virtual currency, the customer accesses the website of the exchange 30 using the communication unit 23 of the mobile terminal 20. Note that the amount of electronic money or virtual currency can also be stored in the memory 24 (the "storage unit" of the present invention) of the mobile terminal 20.

Virtual currency can be bought and sold from the exchange 30. When a customer purchases virtual currency, the amount is stored in an account at the exchange 30, and thereafter the exchange 30 manages the virtual currency (see FIG. 1(c)). In order to send and receive virtual currency, the customer creates and stores a wallet in the memory 24 of the mobile terminal 20, and uses it when making payments. All customer virtual currency transaction data is recorded as electronic information (so-called blockchain).

Next, details of the money exchange machine 10 that constitutes the payment system 1 will be explained with reference to FIG. 2.

The money exchange machine 10 includes a foreign currency insertion slot 11 for inserting foreign currency (banknotes), a display 12 for displaying the exchange rate, the converted amount, etc. to the customer, a journal output port 13 for issuing a journal, and the like.

When a customer who only has foreign currency goes shopping in Japan, the customer can convert the foreign currency into local currency (Japanese yen) by operating according to the instructions on the display 12 of the exchange machine 10. In addition, when the money exchange machine 10 is installed at a counter manned by an operator, the operator may instruct the customer to operate it, or the operator may be in charge of the operation.

The display 12 displays usage instructions in major languages such as English and Chinese. After selecting the language, you will be redirected to the menu screen, where the menus for "Foreign Currency Exchange," "Card (Issuance/Charging)," "Virtual Currency," and "Tax Exemption Document Creation" will be displayed in the selected language ( (Details will be described later).

When the customer wishes to exchange foreign currency, the customer selects the "Foreign Currency Exchange" menu on the display 12. Thereafter, an instruction is given to the display 12 to deposit foreign currency from the foreign currency insertion slot 11 (the "deposit slot" of the present invention). In addition, since the display 12 functions as a rate board (15 or more types of currencies), the customer can perform the deposit process after checking the exchange rates of a plurality of foreign currencies.

When a customer deposits foreign currency into the money exchange machine 10, a currency validation machine 14 determines the authenticity of the currency with high accuracy. When the money is determined to be genuine, the money exchange machine 10 starts the deposit process. Note that a currency counter and a journal printer (not shown) are also housed inside the money exchange machine 10.

When the deposit processing is completed, a journal (account statement) in which the processing details are recorded is issued from the journal outlet 13. The journal records the transaction date and time, type of foreign currency, exchange rate, total amount of local currency (yen), etc.

Then, the domestic currency (cash) exchanged this time is discharged from the banknote outlet 15 and the coin outlet 16. The 10,000 yen bill is ejected from the outlet 15a, and the 5,000 yen bill and the 1,000 yen bill are ejected from the outlet 15b. Further, coins of 500 yen, 100 yen, 10 yen, etc. are ejected from the coin outlet 16. In addition, in order to avoid forgetting to take out banknotes and coins, the lamps provided at the banknote outlet 15 and the coin outlet 16 are lit and blinked to notify the user. In addition, audio notification (voice guide) may be provided.

A card handling section 17 for handling magnetic cards is attached to the left side of the exchange machine 10. When the customer selects the "card (issuance/charge)" menu on the menu screen, the customer uses the card handling section 17.

The card issuing port 17a at the bottom of the card handling unit 17 is a card ejection port through which a customer can charge local currency, electronic money, or virtual currency exchanged from foreign currency into a magnetic card owned by the customer or purchase a prepaid card. (Details will be explained later). Further, the card insertion slot 17b above the card handling section 17 is a card insertion slot for collecting the magnetic card when the customer withdraws the balance of local currency stored on the magnetic card.

When a magnetic card is issued or collected, a journal in which processing details are recorded is issued from the journal outlet 13. When a magnetic card is issued, a lamp provided near the card issuing port 17a may be turned on or flashed to notify the user of the issue so that the magnetic card is not forgotten.

A passport reader 18 (the "passport import unit" of the present invention) is attached to the right side of the money exchange machine 10 for importing customer's passport information. The customer will use the passport reader 18 when selecting the "Tax Exemption Document Creation" menu on the menu screen.

The passport reader 18 is a small scanner that can read at least a double-page spread of a passport. When a customer purchases a product at a duty-free shop, a tax-exempt document is required in order for the product to be treated as tax-free. By inserting the passport into the intake port 18a, the customer can operate the tax-exempt document creation device (the "tax-exempt document creation section" of the present invention) of the exchange machine 10 and create a tax-exempt document. Note that the tax-free document is issued from the journal outlet 13.

A safe section 19 for storing foreign currency deposited in the money exchange machine 10 is provided below the money exchange machine 10. The foreign currency that has passed through the currency appraiser 14 and whose total amount has been calculated by the currency counter is stored in a foreign currency box 19a in the safe section 19. When the foreign currency box 19a is filled with foreign currency, it can be replaced with an empty spare box by opening the front door of the safe section 19 with the door key.

Note that the foreign currency box 19a cannot be opened by the store, but can be opened with a special key provided by the management company and foreign currency can be taken out. When the management company collects the foreign currency box 19a, it receives an inspection slip in which the history of deposits is recorded. The management company takes out the foreign currency from the foreign currency box 19a, converts it into yen with reference to the inspection slip, and transfers the amount after deducting the purchase fee for each currency to the store.

Next, FIG. 3 shows an internal configuration diagram of the money exchange machine 10. Here, a case will be described in which a customer selects the "Foreign Currency Exchange" menu from the menu screen of the currency exchange machine 10 and further handles foreign currency or virtual currency.

When a customer wants to purchase a product (for example, 5,000 yen) in Japan, he or she first converts foreign currency into local currency using the exchange machine 10 or transfers the virtual currency deposited at the exchange 30 to Card C or It is necessary to migrate to the memory 24 of the mobile terminal 20 that you own.

First, when performing foreign currency exchange, the customer selects the "Foreign Currency Exchange" menu from the display control section 10c (connected to the display 12) of the money exchange machine 10. Then, the customer inserts a foreign currency bill exceeding the purchase amount from the deposit processing section 10a (connected to the foreign currency insertion slot 11) of the exchange machine 10. Thereby, the deposited amount (A) is transmitted to the rate conversion unit 10b of the money exchange machine 10.

The rate conversion unit 10b acquires information on current exchange rates via the Internet line 40. Then, the rate board (15 or more types of foreign currencies) and the converted amount (B) obtained by multiplying the deposited amount (A) and the exchange rate are displayed on the display control unit 10c.

The converted amount (B) is stored in the storage section 10d of the exchange machine 10, then transmitted to the data writing section 10e, and written into the card C, which is a magnetic card. As a result, the converted amount (B) of local currency (or electronic money) is stored in the card C, so the customer can use the card C to pay for shopping. Note that the converted amount (B) may be written directly into the memory 24 of the mobile terminal 20 from the data writing unit 10e via a cable.

There are two methods for converting and storing foreign currency into local currency (Japanese yen): arbitrary method and fixed amount method. The optional method is a method in which the entire amount is charged in yen, and the fixed amount method is a method in which the remainder of the charge is refunded as change.

Next, when withdrawing virtual currency, the customer selects the "virtual currency" menu from the display control section 10c of the exchange machine 10. Further, the rate conversion unit 10b obtains the current exchange rate of virtual currency via the Internet line 40.

Then, a rate board of virtual currencies (four or more types of virtual currencies) that can be handled by the exchange machine 10 is displayed on the display control unit 10c. When the customer selects the type of virtual currency to be used this time, the screen transitions to an exchange information screen (see FIG. 1(a)). On the exchange information screen, when the customer inputs the amount of virtual currency to be remitted (for example, Bitcion: 0.0532000), the corresponding local currency (for example, 5500.16) is displayed on the display control unit 10c. Furthermore, a two-dimensional code X including the local currency conversion amount and remittance account information is displayed on the display control unit 10c.

The customer can access the website of the exchange 30 by reading the two-dimensional code X on the exchange information screen with the camera 22 of the mobile terminal 20. At this time, if you specify the withdrawal address (virtual currency account) and enter the withdrawal amount (withdrawal fee is, for example, 1% flat rate), the withdrawal history will be written to the blockchain, and the withdrawal history will be sent to the exchange 30. You can withdraw virtual currency. Note that the withdrawal amount and withdrawal fee may be displayed in terms of the amount of virtual currency.

The virtual currency amount information (C) is stored in the storage section 10d of the exchange machine 10, then transmitted to the data writing section 10e, and written into the card C. The amount information (C) may be the amount of the virtual currency as is, or may be the amount of the exchanged local currency.

As a result, the amount information (C) is stored in the card C, so the customer can use the card C to pay for shopping. Note that when storing the amount information (C) in the mobile terminal 20, it is stored directly from the exchange 30 in the memory 24 of the mobile terminal 20 without going through the storage unit 10d and data writing unit 10e of the exchange machine 10. You can also.

In the currency exchange machine 10, all customer information and transaction details are transmitted to the management server and stored in the storage section of the management server. Since various information on the management server is stored in a database, the data can be sorted and extracted.

The card reading section 10f (connected to the card insertion slot 17b) of the exchange machine 10 reads the card C and displays balance information (D) on the display control section 10c. Thereafter, the balance may be converted to electronic money and stored in the memory 24 of the mobile terminal 20, or if it is virtual currency, the exchange 30 may be accessed again and deposited.

Further, the passport receiving section 10g (connected to the receiving port 18a) of the money exchange machine 10 can scan and capture the customer's passport P. Then, the imported passport information (E) is sent to the tax exemption document preparation section 10h. The tax exemption document creation unit 10h creates a tax exemption document based on the passport information (E) and issues it from the journal outlet 13.

FIG. 4 shows an example of a tax exemption document created by the money exchange machine 10.

For example, when the foreign currency exchange process by the currency exchange machine 10 is completed, a confirmation screen is displayed on the display 12 asking whether the user plans to shop at a duty-free store. When the customer plans to shop at a duty-free shop, the customer moves to the "tax-free document creation" menu by performing a predetermined operation.

When creating a tax exemption document, the customer inserts the passport P into the intake port 18a and has it read. Note that the passport reader 18 automatically performs the reading operation while pulling the passport P into the inside.

The passport reader 18 reads information such as name, nationality, date of birth (age), and gender from the customer's passport P. After storing this information in the storage unit 10d, the exchange machine 10 outputs a tax exemption document T (58 mm width paper) on which the tax signature of the jurisdiction where the exchange machine 10 is installed is printed. There are two tax exemption documents T: one for attaching a passport and one for store copies (not shown).

Customers can easily purchase tax-free items at duty-free shops by storing the tax-free document T attached to their passport in their passport and carrying it with them at all times. Note that there is a signature field at the end of the tax exemption document T, and when the customer uses the tax exemption document T, the customer must sign.

In this way, by using the "Tax Exemption Document Creation" menu, operations that were conventionally performed by an operator at a tax exemption counter can be easily performed using the money exchange machine 10. This will make shopping at duty-free shops more convenient for customers.

Next, a flowchart of virtual currency processing by the exchange machine 10 will be described with reference to FIG.

First, the exchange machine 10 displays a language selection screen (step S11). On the language selection screen, which is the initial screen, the customer can select one language from Japanese, English, Chinese, and Korean. For example, if the customer selects English, the following displays and audio guides will be in English. After that, the process advances to step S12.

In step S12, the money exchange machine 10 displays a menu screen. Here, the customer selects the "virtual currency" menu from the menu screen on the display 12. Although the menu screen also includes a "Card (Issuance/Charge)" menu, it is also possible to write virtual currency or local currency converted from virtual currency to Card C by selecting the "Virtual Currency" menu. After that, the process advances to step S13.

In step S13, the exchange machine 10 displays a precautions screen. As precautions, the display 12 displays messages such as the fact that only 100,000 yen or less can be processed at a time based on the current yen exchange rate, and reminders regarding forgetting to take Japanese yen bills, coins, and journals. After that, the process advances to step S14.

In step S14, the exchange machine 10 displays an exchange rate list screen. On the exchange rate list screen, exchange rates of virtual currencies that can be handled by the exchange machine 10, such as Bitcoin (registered trademark), Ripple (registered trademark), and DASH (registered trademark), are displayed on the display 12. After that, the process advances to step S15.

In step S15, the exchange machine 10 displays a virtual currency selection screen. At this time, the customer selects one virtual currency to withdraw from the exchange 30 this time. Customers can select a virtual currency by clicking on the virtual currency icon. After that, the process advances to step S16.

In step S16, the exchange machine 10 displays the two-dimensional code. This screen has an item for inputting the amount of virtual currency to be withdrawn, and the two-dimensional code X cannot be read until the customer completes the input. When the customer inputs the amount of virtual currency, the two-dimensional code X becomes readable. After that, the process advances to step S17.

In step S17, the exchange machine 10 receives amount information. The amount information is the amount of virtual currency withdrawn this time, which is notified from the exchange 30. Since virtual currency transaction history is recorded on the blockchain, it usually takes time to receive amount information. However, the money exchange machine 10 of this embodiment allows small amounts (for example, up to 30,000 yen) to be withdrawn relatively quickly. After that, the process advances to step S18.

In step S18, the exchange machine 10 stores the amount information on the card. Through this process, the amount of virtual currency currently withdrawn from the exchange 30 or the amount of local currency exchanged is written to the card C. After that, the process advances to step S19.

In step S19, the exchange machine 10 issues a card. Through this process, the card C is issued from the card issuing port 17a of the exchange machine 10. Since the card C stores the amount of virtual currency withdrawn from the exchange 30 or the amount of local currency converted, the customer can use the card C to pay for shopping. After that, the process advances to step S20.

Finally, in step S20, a journal is published. That is, a journal in which a series of processes are recorded is issued from the journal outlet 13 of the exchange machine 10. After that, the deposit processing is finished.

In this way, the money exchange machine 10 can handle more than 15 types of currency including Japanese yen, electronic money, and virtual currency. The exchange machine 10 is capable of delivering exchange rates and virtual currency exchange rates in real time. Moreover, the money exchange machine 10 can be introduced at low cost and can meet the needs of inbound foreign currency exchange, etc. even in local cities where the transaction volume is small.

[Second embodiment]
FIG. 6 is a schematic diagram of a currency exchange system 100 according to a second embodiment of the present invention.

The currency exchange system 100 includes a currency exchange machine 10 where a customer deposits foreign currency such as dollars or renminbi and exchanges the currency, a mobile terminal 20 owned by the customer, and a payment company 50 that debits the customer's payment amount from the account. Ru. Below, a series of operations in which a Chinese customer visiting Japan exchanges money using a payment application available on the mobile terminal 20 will be described.

The money exchange machine 10 shown in FIG. 6(a) needs to obtain the exchange rate in order to display on the display 12 how much it will be worth in Japanese yen when Renminbi is deposited. For this reason, the exchange machine 10 is connected to the Internet so that the current exchange rate can be remotely distributed.

When exchanging money, the customer activates a social networking service (hereinafter referred to as SNS) having a payment function (Alipay (registered trademark), LINE Pay (registered trademark), etc.) on the mobile terminal 20. Here, it is assumed that the mobile terminal 20 is charged with a predetermined amount of RMB so that the user can shop at any time using the payment function.

When the customer operates the display 12 of the exchange machine 10 to specify the amount of Japanese yen to be exchanged, a screen displaying a two-dimensional code Y as shown in the figure appears. Furthermore, the mobile terminal 20 has a built-in camera 22 for capturing and reading the two-dimensional code Y (see FIG. 6(b)). When the customer images the two-dimensional code Y with the camera 22 of the mobile terminal 20, exchange information is displayed on the display 21 of the mobile terminal 20. Then, in response to the customer's "send" operation, the communication unit 23 of the mobile terminal 20 accesses the payment server of the payment company 50.

When the exchange information is transmitted from the customer's mobile terminal 20 to the payment company 50, the exchange amount (renminbi) is debited from the customer's account balance (see FIG. 6(c)). Then, when the payment process is completed without any problems, payment completion information is sent to the exchange machine 10, and the customer can withdraw Japanese yen. Further, the exchanged Japanese yen may be stored in the memory 24 of the customer's mobile terminal 20 or the above-mentioned card C, or may be exchanged for a prepaid card.

Next, with reference to FIG. 7, a description will be given of the transition of the display 12 when a customer uses the payment application to exchange money using the money exchange machine 10.

When a customer starts using the money exchange machine 10, an initial screen shown in FIG. 7(a) is displayed on the display 12. On the initial screen, in addition to the Japanese notation "Please touch the screen," sentences with the same meaning in English, Korean, and Chinese are displayed. After that, the customer selects the desired destination from among "Information (shopping information, etc.)", "Money Exchange (foreign currency exchange)", "Sightseeing Guide (tourist information)" and "Mobile Payment (mobile payment)" displayed on the initial screen. Press the button.

For example, when the customer presses the "Mobile Payment" button, the screen shifts to the screen shown in FIG. 7(b). You may go through a language selection screen before moving to the screen in FIG. 7(b). "Mobile Payment" mainly uses the payment function of SNS to exchange foreign currency, so the words "FOEIGN CURRENCY EXCHANGE" are displayed at the top of the screen, and the amount of local currency to be exchanged is displayed in the center of the screen. Eight types of buttons are displayed.

Here, when the customer presses the "\10,000" button, the screen shifts to the screen shown in FIG. 7(c). At this time, the exchange machine 10 accesses the server of the payment company 50 and obtains information on the renminbi and fees required for exchange. As a result, the required Chinese Yuan, the Japanese Yen to be exchanged, and the commission are displayed on the display 12. Furthermore, the display 12 displays a two-dimensional code Y in which an ID, a remittance destination, an amount of renminbi, an amount of Japanese yen, and a fee amount are embedded.

Next, the customer selects the payment function "scan" and images the two-dimensional code Y with the camera 22 of the mobile terminal 20. Thereafter, when the customer sends exchange information to the payment company 50, the screen shifts to the screen shown in FIG. 7(d). This screen is displayed on the display 12 while the payment company 50 is processing the payment.

If the customer does not acquire the two-dimensional code Y or send it thereafter, a timeout occurs and the screen returns to the initial screen. At this time, the money exchange machine 10 sends a transaction completion notification to the server of the payment company 50, so that it is possible to eliminate defects in payment processing due to time lag. The server of the payment company 50 may instruct the money exchange machine 10 to display a message to the effect that payment processing will be performed again in order to discard the payment made using the current ID.

When the payment processing is successfully completed at the payment company 50, the screen shifts to the screen shown in FIG. 7(e). Here, messages such as "Thank you for exchanging money" and "Please be careful not to forget your money" are displayed. Thereafter, Japanese yen is withdrawn from the banknote outlet 15 of the exchange machine 10. Note that at this time, the journal is discharged from the journal discharge port 13. In this way, the customer will be able to make purchases in Japanese yen.

Finally, with reference to FIG. 8, additional functions of the money exchange machine 10 will be explained.

As shown in FIG. 8(a), the menu of the currency exchange machine 10 includes "Information (shopping information, etc.)", "Money Exchange (foreign currency exchange)", "Prepaid Card", and "Small Bill( There may also be small denomination banknotes).

First, the "Prepaid Card (\3,000)" menu is a function that allows customers to purchase a prepaid card (worth 3,000 yen) by inserting banknotes. This prepaid card can be used for payments at stores, tourist facilities, etc., as well as transportation such as trains and buses.

In fact, there are multiple types of prepaid cards available, such as 1,000 yen, 5,000 yen, and 10,000 yen. Further, on the display 12, the total amount of deposited foreign currency or local currency can be seen, and if the total amount (local currency) exceeds the amount of the prepaid card, it can be exchanged for the prepaid card.

When the customer selects the "Prepaid Card (\3,000)" menu from the menu screen on the display 12, the display 12 switches to the consent screen shown in FIG. 8(b). The consent screen states that the foreign currency notes inserted will not be returned and that the change when purchasing the prepaid card will be in Japanese yen. In addition, even if you cancel before the card price is reached, you will be refunded in Japanese yen (cash).

When the customer operates the "OK (approval)" key, the procedure for actually depositing banknotes (foreign currency or local currency) begins, and the display 12 switches to the card sales screen shown in FIG. 8(c). The "Card Price" column displays the amount converted into Japanese yen for each type of foreign currency, and the "Total" column at the bottom of the screen displays the total amount, just like in foreign currency exchange. On the right side of the screen, an arrow is displayed on the foreign currency insertion slot display 11', so the customer does not have to worry about adding additional money.

If the total amount in the "Total" column exceeds the card price, the display 12 switches to the card issuing screen shown in FIG. 8(d). At this time, a prepaid card is issued from the card issuing port 17a of the exchange machine 10, and a journal is issued from the journal outlet 13. In addition, the display 12 displays the end of the exchange (Thank you, etc.), and the journal prints the terminal number of the exchange machine 10, the date and time of the deposit process, the currency name, the deposited amount, the exchange rate, the converted amount, etc. .

In addition, as shown in the figure, on the display 12 immediately before issuing the prepaid card and discharging the journal, an arrow is displayed on the journal discharge port display 13' and the card handling section 17 (near the card issuing port 17a) to alert you if you forget to remove the card. will be held.

Next, the "Small Bill (10,000 yen→1,000 yen×10)" menu (see FIG. 8(a)) will be explained. This is a function that allows customers to exchange banknotes (foreign currency or local currency) into lower denomination banknotes or coins by inserting them. For example, when exchanging money into local currency using the currency exchange machine 10, if the exchange amount is 10,000 yen, the money is usually paid out in 10,000 yen bills.

However, by using this function, the bill exchange device (the "bill exchange unit" of the present invention) of the exchange machine 10 is operated, and it is possible to receive 10,000 yen in 10 thousand yen bills. It is also possible to receive 1,000 yen bills in the form of 10 100 yen coins, or to receive 10,000 yen bills in a combination of 1,000 yen bills and 100 yen coins. Therefore, especially when foreign tourists tip at hotels or make offerings when visiting shrines or temples, they can save the trouble of preparing small change.

The procedure for depositing banknotes (foreign currency or local currency) is the same as the card sales screen shown in Figure 8(c), and the amount converted to Japanese yen for each type of foreign currency is displayed in the "Card Price" field, and the amount converted to Japanese yen is displayed at the bottom of the screen. The total amount is displayed in the "Total" column.

Finally, when the customer operates the "OK" key, bills (coins) are dispensed from the bill outlet 15 (coin outlet 16) of the exchange machine 10. Further, as in the case of issuance of a prepaid card, a journal is issued from the journal outlet 13, and the display 12 displays an indication that the exchange has been completed. Note that the terminal number of the money exchange machine 10, the processing date and time of the deposit processing, the currency name, the deposited amount, the converted amount, the number of banknotes and coins, etc. are printed on the journal.

The above description is a part of the embodiments of the present invention, and various other embodiments are possible. In the above explanation, it is assumed that the customer is a foreign tourist, but in the first embodiment, the process of storing virtual currency on card C, etc. is the same even for Japanese people.

When a customer who has exchanged foreign currency into local currency upon entering Japan returns the remaining domestic currency to foreign currency upon return, if the handling fee is 5%, the display 12 will display "1 yen → 0.95 yen". indicate. In other words, the commission per 1 yen is 0.05 yen, so when you exchange 1,000 yen to US dollars (USD) or euros (EUR), you deduct the 50 yen commission and exchange it into the foreign currency. .

Note that an exchange menu from local currency to foreign currency may be created as an application of the exchange machine 10, and the selling rate may be displayed on the display 12 in addition to the buying rate.

There may also be a foreign currency sales process that can handle foreign currency packs. Selling foreign currency packs is, for example, when exchanging local currency (Japanese yen) to US dollars, selling a pack that combines multiple bill types (20 dollar bill, 20 dollar bill, 5 dollar bill, etc.). be. With this function, the money exchange machine 10 can easily perform the processing that would normally be done by visiting a money exchange office or a bank counter.

Further, there may be a storage agency process. For example, when a debtor who is a customer deposits local currency banknotes (1,000 yen or 10,000 yen), the banknotes are stored in the exchange machine 10 and are deposited without a fee. Then, from the deposited amount, for example, repayment to a consumer loan or payment of rent is performed. At this time, for example, 0.05 yen per 1 yen is charged as a fee from the financial company or the landlord. Of course, payment may be made in local currency converted from foreign currency deposited by the customer.

Even in the collection agency process, it is preferable to display "1 yen → 0.95 yen" on the display 12 so that it is easy to understand that the commission is 5%. Note that in order to have the function of processing local currency (yen) as described above, it is necessary to incorporate a currency validation machine that determines the authenticity of banknotes (yen) with high accuracy.

Since the exchange machine 10 is connected to the Internet, it may be linked to the latest asset freezing list. In particular, since virtual currency may be used for money laundering or funding terrorist organizations, passport information or the like may be used to cancel currency exchange or charge processing for a specific person.

1 Settlement system 10 Currency exchange machine 10a Deposit processing section 10b Rate conversion section 10c Display control section 10d Authentication code output section 10e Data writing section 10f Card reading section 10g Passport import section 10h Tax-free document creation section 11 Foreign currency insertion slot 12 Display (money exchange machine)
13 Journal outlet 14 Money validation machine 15 Banknote outlet 15a, 15b Outlet 16 Coin outlet 17 Card handling unit 17a Card issuing outlet 17b Card insertion opening 18 Passport reader 18a Inlet 19 Safe unit 19a Foreign currency box 20 Mobile terminal 21 Display (mobile device)
22 Camera 23 Communication department 24 Memory 30 Exchange 40 Internet line 50 Payment company 100 Currency exchange system C Card P Passport T Tax-free documents X, Y 2-dimensional code

Claims (6)

A payment system consisting of a customer terminal owned by a customer and a currency exchange machine capable of handling foreign currency owned by the customer or virtual currency deposited at an exchange,
The currency exchange machine includes a deposit section into which the customer deposits foreign currency, and converts the foreign currency amount deposited from the deposit section or the virtual currency amount specified by the customer into a local currency amount based on the current exchange rate. and a display unit that displays exchange information including the amount of the virtual currency to be withdrawn from the exchange as a two-dimensional code,
The customer terminal includes a storage unit that stores the amount of the local currency converted and exchanged by the rate conversion unit or the amount of the virtual currency withdrawn from the exchange , and an imaging unit that images the two-dimensional code. , a communication unit that communicates with the exchange using the two-dimensional code imaged by the imaging unit and transmits the exchange information. The currency exchange machine includes a card issuing unit that records and issues an amount of the local currency converted and exchanged by the rate conversion unit or an amount of the virtual currency withdrawn from the exchange on a magnetic card. The payment system according to claim 1, characterized in that: The money exchange machine is
comprising a card reading unit that reads the magnetic card on which the amount of the local currency or the amount of the virtual currency is recorded;
In the case of the local currency, the balance is refunded in cash or stored in the storage unit of the customer terminal as electronic money, and in the case of the virtual currency, the balance is stored in the storage unit of the customer terminal. The payment system according to claim 2 . The currency exchange machine includes a bill exchange unit that exchanges the local currency into a low denomination bill or coin, or a combination thereof, and pays out cash when the storage unit stores the amount of the local currency. The payment system according to any one of claims 1 to 3, characterized in that: The money exchange machine includes a passport import unit that scans and imports a customer's passport, and a tax exemption document creation unit that creates a tax exemption document based on the passport information imported by the passport import unit. The payment system according to any one of claims 1 to 4, characterized in that: A currency exchange system consisting of a customer terminal owned by a customer and a currency exchange machine capable of handling monetary information possessed by the customer terminal, and capable of exchanging the monetary information using a payment application of the customer terminal,
The currency exchange machine includes a rate conversion unit that converts the amount of monetary information input by the customer into a currency amount based on the current rate, and a two-dimensional converter that converts the currency exchange information obtained from the payment company that performs the payment using the payment application. A display section for displaying as a code,
The customer terminal includes a storage unit that stores the amount of the currency converted and exchanged by the rate conversion unit, an imaging unit that captures an image of the two-dimensional code , and a system that uses the two-dimensional code captured by the imaging unit. a communication unit that communicates with the payment company and transmits the exchange information.