WO2013186821A1 - Système de gestion de métaux précieux de base, procédé de coordination de système informatique et programme informatique - Google Patents

Système de gestion de métaux précieux de base, procédé de coordination de système informatique et programme informatique Download PDF

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Publication number
WO2013186821A1
WO2013186821A1 PCT/JP2012/003937 JP2012003937W WO2013186821A1 WO 2013186821 A1 WO2013186821 A1 WO 2013186821A1 JP 2012003937 W JP2012003937 W JP 2012003937W WO 2013186821 A1 WO2013186821 A1 WO 2013186821A1
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WIPO (PCT)
Prior art keywords
points
nth
data
point
precious metal
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PCT/JP2012/003937
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English (en)
Japanese (ja)
Inventor
佐藤　敏彦
稔雄 中島
Original Assignee
佐藤長八商事株式会社
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Application filed by 佐藤長八商事株式会社 filed Critical 佐藤長八商事株式会社
Priority to PCT/JP2012/003937 priority Critical patent/WO2013186821A1/fr
Priority to JP2013542283A priority patent/JP5943934B2/ja
Publication of WO2013186821A1 publication Critical patent/WO2013186821A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to a technology for linking a computer system of a business that issues points with a computer system of a precious metal merchant.
  • Precious metal bullion can be a decorative item or saved as an asset.
  • the object of the present invention is to solve the technical problem of linking the computer system of the business that issues points with the computer system of precious metal merchants.
  • a precious metal bullion management system is configured to manage first to nth points independently issued by first to nth (n ⁇ 2) businesses to users.
  • a precious metal bullion management system that can be connected to an nth point management system and a terminal device of the user via a communication line, and the user logs in to each of the first to nth point management systems.
  • Login data storage means for storing first to nth login data respectively indicating login information for the first and nth points indicating the value per unit score of each of the first to nth points.
  • the precious metal price data storage means and the first to nth point management systems are accessed using the first to nth login data, respectively, and from the first to nth point management systems, respectively.
  • Effective point data acquisition means for acquiring first to nth effective point data indicating effective points that are effective points of the user for each of the first to nth points, and the first to nth points.
  • the exchangeable amount which is the amount of the precious metal bullion that can be exchanged for the first to nth points of the valid points respectively indicated in the valid point data, is the first to nth point value data and
  • An exchangeable amount calculating means for calculating based on the precious metal price data, and the exchangeable amount of each of the first to nth points.
  • a display data transmission means for transmitting display data for display to the terminal device, and an exchange request indicating an exchange desired amount which is an amount exchanged with the precious metal for each of the first to nth points
  • an exchange request indicating an exchange desired amount which is an amount exchanged with the precious metal for each of the first to nth points
  • the exchange desired amount data receiving means for receiving the quantity data from the terminal device
  • Exchange point number transmission means for transmitting first to n-th exchange point data indicating the number of exchange points corresponding to the desired exchange amount for each of the first to n-th points, and the first to n-th points
  • Precious metal bullion providing means for performing a process for providing the user with the precious metal bullion for the total of the desired exchange amount for each point.
  • processing is performed to request each of the first to n-th point management systems to pay for the exchange of the exchange points for the first to n-th points with the precious metal bullion. And payment request means.
  • the display data transmission means may include the effective number of the first to n-th points, the first number of the first to n-th points, and the first number of the first to n-th points as the display data. Or, data for displaying the object for inputting the desired exchange amount for every nth point is transmitted.
  • the login data storage means stores the first to nth login data transmitted from each of the first to nth point management systems.
  • the precious metal bullion price data storage means includes first to first prices indicating a price per unit amount when each of the first to nth points is replaced with the precious metal bullion as the precious metal bullion price data.
  • n precious metal bullion price data is stored, and the exchangeable amount calculation means calculates the exchangeable amount of each of the first to nth points based on the first to nth precious metal bullion price data. calculate.
  • FIG. 1 is a diagram showing an example of the overall configuration of the exchange processing system 5.
  • FIG. 2 is a diagram illustrating an example of a hardware configuration of the noble metal management system 1.
  • FIG. 3 is a diagram illustrating an example of a functional configuration of the noble metal management system 1.
  • the exchange processing system 5 shown in FIG. 1 is a process for exchanging points called “service points” or “miles” to precious metal bullion such as gold, platinum, and silver. I do.
  • the exchange processing system 5 includes a precious metal bullion management system 1, a plurality of point management systems 2, a plurality of terminal devices 3, a communication line 4, and the like.
  • the precious metal bullion management system 1, the point management system 2, and the terminal device 3 can communicate via the communication line 4.
  • the communication line 4 a public line, a dedicated line, the Internet, or the like is used.
  • the precious metal bullion management system 1 is used in a company that protects precious metal bullion from customers.
  • the case where the noble metal management system 1 is used in the noble metal trading company X will be described as an example.
  • Precious metal trading company X trades precious metal bullion with customers online.
  • User accounts are issued for each customer for transactions.
  • this user account is referred to as “precious metal bullion account”.
  • the customer makes a transaction using the terminal device 3. Therefore, the customer is hereinafter referred to as “user”.
  • the precious metal bullion management system 1 includes one or a plurality of computers (for example, so-called server machines).
  • server machines for example, so-called server machines.
  • a case where the noble metal bullion management system 1 is realized by one server machine will be described as an example.
  • the noble metal management system 1 includes a CPU (Central Processing Unit) 10a, a RAM (Random Access Memory) 10b, a ROM (Read Only Memory) 10c, a mass storage device 10d, a communication device 10e, It is configured by UPS (Uninterrupted Power Supply) 10f.
  • CPU Central Processing Unit
  • RAM Random Access Memory
  • ROM Read Only Memory
  • mass storage device 10d a mass storage device
  • communication device 10e It is configured by UPS (Uninterrupted Power Supply) 10f.
  • UPS Uninterrupted Power Supply
  • the communication device 10e is a device for communicating with the point management system 2, the terminal device 3, and the like using a protocol such as TCP / IP (Transmission Protocol / Internet Protocol).
  • a NIC Network Interface Card
  • TCP / IP Transmission Protocol / Internet Protocol
  • a NIC Network Interface Card
  • the UPS 10f is a standby power supply device for preventing the precious metal bullion management system 1 from being stopped due to a power failure or instantaneous interruption of the commercial power supply.
  • Each module constituting this software is loaded into the RAM 10b as necessary and executed by the CPU 10a. All or part of the functions of these modules may be realized by a circuit such as ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).
  • ASIC Application Specific Integrated Circuit
  • FPGA Field Programmable Gate Array
  • the point management system 2 is used in a company that gives points to users who use their services or purchase products according to the transaction amount. The user can exchange the points earned by the user for a free gift. Companies such as credit card companies, airlines, department stores, and online shops give points. These companies are referred to as “point issuing companies”.
  • the point management system 2 is used by each of the point issuing company A, the point issuing company B, and the point issuing company C will be described as an example.
  • the point management system 2 of each of the point issuing company A, the point issuing company B, and the point issuing company C is described separately from the “point management system 2A”, “point management system 2B”, and “point management system 2C”. There is.
  • Point issuing company A, point issuing company B, and point issuing company C exchange points and prizes online.
  • a user account is issued for each customer (user) of the company.
  • this user account is referred to as a “point account”.
  • the point management system 2 is also composed of one or more computers.
  • terminal device 3 a user who mainly has an account for precious metal bullion and has a point account for at least one point issuing company among the point issuing companies A to C exchanges his / her points for precious metal bullion. It is a communication terminal used for this purpose.
  • each terminal device 3 may be described separately as “terminal device 3A”, “terminal device 3B”,.
  • a communication terminal in which a web browser is installed for example, a personal computer, a mobile phone terminal, a smartphone, or a PDA (Personal Digital Assistant) is used.
  • FIG. 4 is a diagram illustrating an example of the member data 6K.
  • FIG. 5 is a diagram illustrating an example of the partner data 6T.
  • FIG. 6 is a diagram illustrating an example of the login page WN1.
  • FIG. 7 is a diagram illustrating an example of the registration page WN2.
  • FIG. 8 is a diagram illustrating an example of the exchange rate data 6R and the gold price data 6L.
  • the member data storage unit 131 stores member data 6K for each user having a precious metal bullion account.
  • the member data 6K includes data of items such as a member code, name, password, gold holding amount, and transfer account number.
  • “Membership code” is an ID (identification) of the user's precious metal account.
  • “Name” is the name of the user.
  • the “password” is a password used when the user logs in to the precious metal bullion management system 1.
  • “Gold holding amount” is the amount of gold (in grams) that the user is currently depositing with the precious metal trading company X.
  • the “transfer account number” is the bank account number of the transfer destination when the user sells the gold that has been deposited to the precious metal trading company X.
  • the user requests the precious metal trading company X for a precious metal bullion account. At this time, you will be notified of your name, bank account number (account number) to which you will transfer the price when you sold your precious metal bullion, and your desired password.
  • the employee of the precious metal trading company X inputs the notified name, account number, and password to the precious metal bullion management system 1.
  • the amount deposited is input as the amount of gold held.
  • the partner data storage unit 132 stores partner data 6T for each user. As shown in FIG. 5, the partner data 6T includes account data 6Tu for each point account that the user has. Accordingly, when the user has point accounts for all point issuing companies A to C, account data 6Tu for each of the three point accounts is included in the partner data 6T.
  • the account data 6 Tu information necessary for the user to log in to the point management system 2 is shown.
  • the account data 6Tu of the point issuing company A includes information necessary for the user to log in to the point management system 2A.
  • the type of information required may be different for each point issuing company. Therefore, the type of information shown may differ for each account data 6Tu.
  • the terminal device 3A accesses the website of the precious metal bullion management system 1 based on this URL.
  • the login processing unit 101 executes a process for logging the user P into the website of the precious metal bullion management system 1 as follows.
  • the login processing unit 101 transmits screen data 6W1 for displaying the login page WN1 as shown in FIG. 6 to the terminal device 3A.
  • the terminal device 3A Upon receiving the screen data 6W1, the terminal device 3A displays a login page WN1 by a web browser.
  • the screen data 6W1 is described in HTML (HypertextperMarkup Language) or Java (registered trademark) script. The same applies to screen data of other pages to be described later.
  • each process for example, a process for transmitting data
  • each process for example, a process for transmitting data described later of the terminal device 3A is performed based on the screen data.
  • the login processing unit 101 Upon receiving the account data 6U, the login processing unit 101 performs user authentication by comparing the account data 6U with the member data 6K stored in the member data storage unit 131. If the membership code and password indicated in any of the membership data 6K matches the membership code and password indicated in the account data 6U, the legitimacy of the user P is recognized and the user P is identified as the precious metal bullion management system 1. Log in to the website.
  • the point registration processing unit 122 transmits screen data 6W2 for displaying the registration page WN2 as shown in FIG. 7A to the terminal device 3A.
  • the terminal device 3A displays the registration page WN2.
  • An example of the predetermined operation is an operation of pressing the new registration button BN42 on a point selection page WN4 (see FIG. 12) described later.
  • the registration page WN2 is provided with radio buttons RB21 to RB23 for each point issuing company A to C, an input area RY2, and the like.
  • the user P presses a radio button corresponding to the point issuing company for which he has a point account.
  • a text box for inputting information necessary for logging in to the point management system 2 of the point issuing company appears in the input area RY2.
  • the radio button RB21 when the radio button RB21 is pressed, as shown in FIG. 7A, text for inputting information necessary for logging in to the point management system 2 of the point issuing company A (that is, the point management system 2A). Boxes TX21 to TX23 appear.
  • the radio button RB22 is pressed, as shown in FIG. 7B, text for inputting information necessary for logging in to the point management system 2 of the point issuing company B (that is, the point management system 2B). Boxes TX24 and TX25 appear.
  • the user P inputs information necessary for login for each point account that the user P has, and presses the registration button BN21. Then, 3 A of terminal devices transmit the data which show the input information and the identifier of the point issuing company corresponding to the selected radio button to the precious metal management system 1 as account data 6Tu. For example, when the information necessary for login is input for each point account of the point issuing companies A to C, the account data 6Tu for each of the three point accounts is transmitted.
  • the point registration processing unit 122 When the point registration processing unit 122 receives one or a plurality of account data 6Tu, the point registration processing unit 122 generates data including the account data 6Tu as partner data 6T. Then, the data is stored in the partner data storage unit 132.
  • exchange rate data 6R exchange gold price data 6LE
  • purchase gold price data 6LT are stored.
  • the exchange rate data 6R indicates the value per point at the time of exchanging with a premium for each point of the point issuing companies A to C.
  • the value per point is shown in Japanese yen.
  • Exchange gold price data 6LE indicates the price of gold per unit amount applied when points are exchanged for gold. Hereinafter, this price is referred to as “exchange gold price”.
  • Purchased gold price data 6LT indicates the price of gold per unit amount applied when the precious metal trading company X purchases gold from the user. Hereinafter, this price is referred to as “purchased gold price”.
  • Exchange rate data 6R is updated each time the value of points changes.
  • the gold price data 6LE is updated every time the exchange gold price changes
  • the purchase gold price data 6LT is updated every time the purchase gold price changes.
  • the exchange rate data 6R is almost fixed.
  • the exchange gold price data 6LE and the purchase gold price data 6LT are fluid because the exchange gold price and the purchase gold price change according to the gold market.
  • the exchange rate data 6R exchange gold price data 6LE and purchase gold price data 6LT are appropriately updated by an operation of the noble metal management system 1 by an employee of the noble metal trading company X.
  • the exchange gold price data 6LE and the purchase gold price data 6LT may be automatically updated in accordance with gold market information transmitted from a website on the Internet.
  • the result data storage unit 134 stores result data indicating a result of the user exchanging points for gold and a result of the user selling gold to the precious metal trading company X. This will be described later.
  • the login processing unit 101 performs processing for logging in the user P to the website of the precious metal bullion management system 1 in cooperation with the terminal device 3A.
  • the procedure of this process is as described above. That is, the login processing unit 101 transmits the screen data 6W1 to the terminal device 3A (# 721).
  • the terminal device 3A receives the screen data 6W1 (# 702)
  • the login page WN1 as shown in FIG. 6 is displayed (# 703), and the data indicating the member code and password input by the user P is used as the account data 6U. Transmit (# 704).
  • the login processing unit 101 receives the account data 6U (# 722) and performs user authentication (# 723).
  • the price of gold per unit amount is shown in the rate presentation area RY1 of the login page WN1. This is the exchange gold price shown in the exchange gold price data 6LE (see FIG. 8B). In the example of FIG. 6, the exchange gold price per gram is shown, but the exchange gold price per 0.1 gram may be shown. The same applies to a rate presentation area RY3 (see FIG. 11) of a transaction selection page WN3 described later.
  • the transaction selection acceptance processing unit 102 executes processing for accepting selection of the type of transaction desired by the user P after the login of the user P is completed as follows.
  • the transaction selection page WN3 is provided with selection buttons BN31 to BN33 corresponding to the three types of transactions.
  • User P presses a selection button corresponding to the type of transaction he desires.
  • the terminal device 3A transmits transaction selection data 6H indicating the selected type to the precious metal bullion management system 1 (# 707).
  • the user P selects the exchange by pressing the selection button BN31.
  • the transaction selection reception processing unit 102 receives the transaction selection data 6H from the terminal device 3A, thereby receiving the type selected by the user P (# 725).
  • the point selection reception processing unit 103 When the point selection reception processing unit 103 recognizes that “exchange” is indicated in the transaction selection data 6H as the type of transaction (# 726), the point selection reception processing unit 103 selects the point issuing company that is the issuing source of the points to be exchanged for gold.
  • the process to accept is executed as follows.
  • the point selection reception processing unit 103 transmits screen data 6W4 for displaying the point selection page WN4 as shown in FIG. 12 to the terminal device 3A (# 727). Upon receiving the screen data 6W4 (# 708), the terminal device 3A displays the point selection page WN4 (# 709).
  • the point selection page WN4 is provided with a check box for each point issuing company that gives the user P a point account. Further, information for identifying the point account of the user P is written beside the check box. These are based on user P's partner data 6T (see FIG. 5).
  • the point selection page WN4 is provided with check boxes CB41 to CB43. The user P checks a check box corresponding to a point issuing company that issues points to be exchanged for gold. Multiple check boxes may be checked. Then, the user P presses the decision button BN41.
  • the terminal device 3A transmits issuer selection data 6E indicating the selected point issuing company to the precious metal bullion management system 1 (# 710).
  • the point selection reception processing unit 103 receives the point issue company selected by the user P by receiving the issuer selection data 6E from the terminal device 3A (# 728).
  • the point number data acquisition unit 104 performs processing for acquiring point number data indicating the number of points currently issued to the user P by the point issuing company selected by the user P as follows.
  • the point number data acquisition unit 104 reads the partner P data 6T of the user P from the partner data storage unit 132. Then, the point management system 2 of the point issuing company indicated in the issuer selection data 6E is accessed, and the account of this point issuing company is determined in accordance with the protocol for querying the number of points in the point management system 2A or API (Application Program Interface) Data 6Tu is transmitted to this point management system 2 (# 729).
  • API Application Program Interface
  • the account of the point issuer A included in the partner data 6T is accessed according to the inquiry protocol in the point management system 2A by accessing the point management system 2A.
  • Data 6Tu is transmitted to the point management system 2A.
  • the point management system 2 of each point issuing company Upon receiving the account data 6Tu (# 741), the point management system 2 of each point issuing company searches the number of points that the user P currently has based on this (# 742), and points data 6M indicating this number Is transmitted to the noble metal management system 1 (# 743 in FIG. 10).
  • the point number data acquisition unit 104 receives the point number data 6M from the point management system 2A (# 730).
  • the exchangeable amount calculation unit 105 calculates the amount of gold that can be exchanged for points of each point issuing company (hereinafter referred to as “exchangeable amount MP”) by the following equation (1) (# 731).
  • MP UT / RT / SP (1)
  • UT is the number of points indicated in the point number data 6M acquired by the point number data acquiring unit 104.
  • RT is the value per point indicated in the exchange rate data 6R (see FIG. 8A) stored in the rate data storage unit 133.
  • SP is the exchange gold price indicated in the exchange gold price data 6LE stored in the rate data storage unit 133.
  • the amount of gold that can be exchanged for points of the point issuing company A that the user P has is exchanged with the number of points indicated in the point number data 6M acquired from the point management system 2A.
  • the value per point of the point issuing company A shown in the rate data 6R and the exchange gold price shown in the exchange gold price data 6LE (see FIG. 8B) into the equation (1) Can be calculated.
  • the point exchange amount MP of the point issuing company B and the point exchange amount MP of the point issuing company C can be calculated by the same method.
  • the exchange amount acceptance processing unit 106 executes processing for accepting designation of the amount of gold that the user P wants to exchange for points as follows.
  • the exchange amount reception processing unit 106 transmits screen data 6W5 for displaying the exchange amount designation page WN5 as shown in FIG. 13 to the terminal device 3A (# 732). Upon receiving the screen data 6W5 (# 711), the terminal device 3A displays the exchange amount designation page WN5 (# 712).
  • the exchange amount designation page WN5 shows the number of points for each point issuing company that the user P currently has and the exchangeable amount MP of each point. The number of points is indicated in the point number data 6M acquired from the point management system 2 of each point issuing company. The replaceable amount MP is calculated by the replaceable amount calculating unit 105. Further, the exchange amount designation page WN5 is provided with text boxes TX51 to TX53 for inputting the amount of gold to be exchanged for points of each point issuing company.
  • the terminal device 3A transmits the exchange instruction data 6Y indicating the desired exchange amount inputted for each point to the precious metal bullion management system 1 (# 713).
  • the terminal device 3A transmits data indicating the exchangeable amount MP of each point as the desired exchange amount to the noble metal management system 1 as the exchange instruction data 6Y.
  • the terminal device 3A determines 2.0 g and 1.5 g as the desired exchange amount for each point issuing company A to C.
  • exchange instruction data 6Y indicating 5.0 grams are transmitted to the precious metal bullion management system 1.
  • the point underwriting processing unit 107, the possessed amount adding unit 108, and the exchange result notifying unit 109 execute processing for exchanging points for gold as specified by the user P as follows.
  • the point underwriting processing unit 107 generates point underwriting data 6F (# 734). Then, the point management system 2 of the point issuing company indicated in the exchange instruction data 6Y is accessed, and the point underwriting data 6F is obtained from this point management system 2 according to the protocol or API for requesting exchange of points and premiums in the point management system 2 2 (# 735).
  • the number of exchange desired points information necessary for the user P to log in to the point management system 2 of the point issuing company and the number of points that the user P wants to exchange for gold (hereinafter referred to as “the number of exchange desired points”) ) Is displayed.
  • the desired number of exchange points can be calculated based on the desired exchange amount for the points of the point issuing company and the following equation (2) shown in the exchange instruction data 6Y.
  • DT DP / SP / RT (2)
  • DT is the desired number of exchange points.
  • DP is a desired exchange amount.
  • the point management system 2 of each point issuing company Upon receiving the point underwriting data 6F (# 744), the point management system 2 of each point issuing company executes a process of reducing the number of points possessed by the user P by the number of points indicated in the point underwriting data 6F (# 745). That is, the user P's points are consumed for the exchange of gold.
  • the possession amount adding unit 108 updates the member data 6K of the user P so that the desired exchange amount indicated in the exchange instruction data 6Y is added to the gold possession amount (# 736).
  • the desired exchange amount is shown about the point of several point issuing companies, it updates so that all the desired exchange amount may be added.
  • the point underwriting data 6F transmitted to each point issuing company is associated with the current date and the point issuing company of the transmission destination, and a result data storage unit 134 (# 737). Furthermore, the screen data 6W6 for displaying the exchange completion notification page WN6 as shown in FIG. 14 is transmitted to the terminal device 3A (# 738). Upon receiving the screen data 6W6 (# 714), the terminal device 3A displays the exchange completion notification page WN6 (# 715).
  • the point management system 2 of each point issuing company receives the exchange total data 6Q (# 746)
  • the point management system 2 executes a process for paying the precious metal trading company X for the value of the desired number of exchange points indicated in the point underwriting data 6F (#). 747).
  • steps # 739 and # 746 to # 747 may be performed by a system different from the precious metal bullion management system 1 and the point management system 2.
  • FIG. 15 is a sequence diagram showing an example of the flow of processing when selling precious metal bullion.
  • FIG. 16 is a diagram illustrating an example of the sale page WN7.
  • the user can sell the gold stored in the precious metal trading company X online.
  • this mechanism will be described with reference to the sequence diagram of FIG. 15 and the like, taking as an example the case where the user P uses the terminal device 3A.
  • the login processing unit 101 executes processing for logging in the user P to the website of the precious metal bullion management system 1 in cooperation with the terminal device 3A (# 752 to ##). 754, # 771- # 773). The contents of this processing are as described in steps # 702 to # 704 and # 721 to # 723 in FIG.
  • the transaction selection acceptance processing unit 102 executes processing for accepting selection of the type of transaction desired by the user P in cooperation with the terminal device 3A after the login of the user P is completed (# 755 to # 757, # 774). ⁇ # 775).
  • the procedure of this process is the same as the procedure of steps # 705 to # 707 and # 724 to # 725 in FIG.
  • the user P presses the selection button BN32 in order to select “sale” as the type of transaction on the transaction selection page WN3 (see FIG. 11).
  • the terminal device 3A transmits data indicating “sale” to the precious metal bullion management system 1 as the transaction selection data 6H.
  • the sales amount reception processing unit 126 and the precious metal bullion sales processing unit 127 perform the following process for the precious metal trading company X to purchase gold from the user P when “sale” is indicated in the transaction selection data 6H as the transaction type. Execute.
  • the sale amount reception processing unit 126 When the sale amount reception processing unit 126 recognizes that “sale” is shown in the transaction selection data 6H as the type of transaction (# 776), the sale amount reception processing unit 126 displays the sale page WN7 as shown in FIG. Screen data 6W7 is transmitted to the terminal device 3A (# 777). Upon receiving the screen data 6W7 (# 758), the terminal device 3A displays the sale page WN7 (# 759).
  • the sale page WN7 is provided with method selection buttons BN71 to BN73 corresponding to each of the three methods for determining the amount of gold to be sold.
  • the user P presses a method selection button corresponding to how to decide. Then, an object corresponding to this determination method appears in the input area RY7 of the sale page WN7.
  • the amount of gold currently received by the user P and the amount of sale thereof appear.
  • the amount of gold is the amount of gold held in the member data 6K of the user P stored in the member data storage unit 131.
  • the amount of sale is obtained by multiplying the gold holding amount by the purchase gold price shown in the purchase gold price data 6LT (see FIG. 8C) stored in the rate data storage unit 133.
  • the terminal device 3A transmits the input data indicating the sale desired amount to the precious metal bullion management system 1 as sale amount data 6J (# 760).
  • the method selection button BN72 is pressed, as shown in FIG. 16B, in addition to the text box TX72 and the sale button BN74, the amount of gold currently received by the user P and the amount of the sale are displayed. appear.
  • the sale button BN74 when the method selection button BN73 is pressed, the sale button BN74, the amount of gold currently received by the user P, and the sale amount appear.
  • the terminal device 3A transmits data indicating the amount of gold as a desired sale amount to the noble metal management system 1 as sale amount data 6J (# 760).
  • the sale amount reception processing unit 126 receives the sale amount data 6J from the terminal device 3A, thereby accepting designation of the amount of gold to be sold (# 778).
  • the precious metal bullion sale processing unit 127 updates the user P's member data 6K by reducing the gold holding amount by the desired sale amount indicated in the sale amount data 6J (# 779). Then, it requests the bank's online system to transfer the amount of money desired to be sold multiplied by the purchase gold price to the bank account of the account number indicated in the member data 6K (# 780).
  • the sales amount data 6J is stored in the record data storage unit 134, and the amount of the sales amount data 6J received during a predetermined period (for example, from 0:00 a.m. to 12:00 p.m.) is transferred. , You may go together.
  • FIG. 17 is a flowchart for explaining an example of the overall processing flow of the precious metal bullion management system 1.
  • the noble metal management system 1 executes a user authentication process for the user of the terminal device 3 (# 11).
  • the contents of this processing are as described above in steps # 721 to # 723 of FIG.
  • the precious metal bullion management system 1 transmits the screen data 6W3 to the terminal device 3 to display the transaction selection page WN3 (the figure is displayed on the terminal device 3). (# 13).
  • the precious metal bullion management system 1 executes a process for exchanging points for precious metal bullion (# 15). The contents of this processing are as described above in steps # 726 to # 738 of FIGS. In the course of this process, when the user performs an operation for registering a point account (see FIG. 7), the precious metal bullion management system 1 generates account data 6Tu for this point account and Processing to add to the partner data 6T is performed.
  • the precious metal bullion management system 1 executes a process of purchasing precious metal bullion from the user (# 17). ). The contents of this processing are as described above in # 776 to # 780 of FIG.
  • the precious metal bullion management system 1 pays the price of points exchanged for the precious metal bullion to the precious metal trading company X to issue points A to C. Execute the requested process.
  • the point management system 2 of the point issuing company and the precious metal bullion management system 1 of the precious metal merchant X can be linked.
  • points earned by the user can be exchanged for precious metal bullion.
  • points issued independently by a plurality of point issuing companies can be exchanged for precious metal bullion at once. Therefore, the convenience of the points can be improved and the subscription to the service of the point issuing company can be promoted.
  • FIG. 18 is a diagram showing an example of the web page WN8 of the point issuing companies A to C.
  • an object linked to the login page WN1 (see FIG. 6) is displayed on the web page WN8 displayed on the terminal device 3 after the user logs in to one of the websites of the point issuing companies A to C. It may be provided. Then, when this object is selected, data for accessing this point management system 2 by the user may be automatically registered in the precious metal bullion management system 1.
  • the object may be a button such as the button BN81 or a banner.
  • an example of this mechanism will be described by taking as an example a case where the user P logs in the point management system 2A by operating the terminal device 3A.
  • the point management system 2A When the user P selects the button BN81, the point management system 2A has login data 6Z (not shown) indicating information necessary for logging in to the point management system 2A (for example, credit card number, expiration date, and password). Is transmitted to the precious metal bullion management system 1. Further, the terminal device 3A requests the precious metal management system 1 for the login page WN1.
  • the precious metal bullion management system 1 displays the login page WN1 on the terminal device 3A by receiving the login data 6Z and transmitting the screen data 6W1 to the terminal device 3A.
  • the precious metal bullion management system 1 uses the received login data 6Z as the account data 6Tu of the user P and associates data 6T of the user P (see FIG. 5). Add to If the partner P data 6T of the user P has not yet been generated, it may be generated at this time.
  • gold gold
  • platinum platinum
  • silver silver
  • yen is used as the unit of currency representing the value of points and the price of precious metal bullion, but units of other countries may be used.
  • the exchange gold price data 6LE is commonly used by the point issuing companies A to C, but different exchange gold price data 6LE may be prepared and used for each point issuing company. Then, the exchange gold price indicated in each exchange gold price data 6LE may be individually set according to a contract (for example, a contract related to a fee) between the precious metal trading company X and each point issuing company.
  • a contract for example, a contract related to a fee
  • the configuration of the whole or each part of the exchange processing system 5, the precious metal management system 1, the point management system 2, the processing content, the processing order, the data configuration, the screen configuration, and the like are appropriately determined in accordance with the spirit of the present invention. Can be changed.

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Abstract

L'objectif de la présente invention est de coordonner un système informatique d'un exploitant émettant des points et un système informatique d'un revendeur de métaux précieux. Un système de gestion de métaux précieux de base (1) enregistre des informations de connexion/utilisation afin de permettre à un utilisateur de se connecter à chacun des systèmes de gestion de point (2) (du premier au N-ième), les données de valeur du premier au N-ième point indiquant une valeur pour chaque score d'unité du premier au N-ième point ainsi que les tarifs correspondant à des quantités unitaires de métaux précieux de base. Le système de gestion de métaux précieux de base (1) accède à chaque système de gestion de point (2) par l'intermédiaire des informations de connexion/utilisation et demande le score des points possédés par un utilisateur, du premier au N-ième. Ensuite, les quantités de métaux précieux de base échangeables pour les points possédés par l'utilisateur (du premier au N-ième) sont transmises à un dispositif terminal de l'utilisateur, les spécifications des quantités à échanger sont reçues à partir du dispositif de terminal de l'utilisateur, et le traitement de l'échange est exécuté.
PCT/JP2012/003937 2012-06-15 2012-06-15 Système de gestion de métaux précieux de base, procédé de coordination de système informatique et programme informatique WO2013186821A1 (fr)

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PCT/JP2012/003937 WO2013186821A1 (fr) 2012-06-15 2012-06-15 Système de gestion de métaux précieux de base, procédé de coordination de système informatique et programme informatique
JP2013542283A JP5943934B2 (ja) 2012-06-15 2012-06-15 貴金属地金管理システム、コンピュータシステム連携方法、およびコンピュータプログラム

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TWI776126B (zh) * 2020-02-15 2022-09-01 臺灣銀行股份有限公司 異業結合商家點數兌換黃金的系統及其方法

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JP2001273420A (ja) * 2000-03-24 2001-10-05 Sanyo Electric Co Ltd 商品購入支援システム及び方法並びに装置
JP2001357458A (ja) * 2000-06-14 2001-12-26 Mitsubishi Corp 特典管理システム、その方法及びその方法をコンピュータに実行させるためのプログラムを記録した記録媒体
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JP2018181278A (ja) * 2017-04-21 2018-11-15 富士通株式会社 管理プログラム、管理方法及び管理装置

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