WO2015174251A1

WO2015174251A1 - Corporate currency management device

Info

Publication number: WO2015174251A1
Application number: PCT/JP2015/062583
Authority: WO
Inventors: 佳弘東
Original assignee: 佳弘東
Priority date: 2014-05-13
Filing date: 2015-04-24
Publication date: 2015-11-19
Also published as: JPWO2015174251A1

Abstract

The objective of the present invention is to enable implementation of a so-called common card, such as an electronic money card with which electronic money from multiple vendors can be used on one card. A variable setting unit (201) variably sets the correspondence relationship between a key currency and a corporate currency on the basis of a prescribed condition, with the exchange currency of a prescribed basic region as the key currency. A billing unit (202) recognizes an equivalent value amount for a product or service of a vendor to be paid, among multiple vendors. On the basis of the variably set correspondence relationship and an exchange rate, a corporate currency control unit (203) converts the equivalent value amount with respect to the vendor to be paid into an amount in a corporate currency which can be used with the vendor to be paid, and uses corporate currency associated with a storage medium (C) to debit the equivalent value amount with respect to the vendor to be paid. The billing unit (202) controls the execution of a billing process for the equivalent value amount with respect to the vendor to be paid, using a prescribed exchange currency or the key currency.

Description

Corporate currency management device

The present invention relates to a corporate currency management device.

2. Description of the Related Art Conventionally, electronic money cards for managing a corporate currency such as electronic money have been distributed along with the spread of small-value settlement in electronic commerce. Such an electronic money card stores information on corporate currency in association with it, and the holder of the electronic money card can easily pay with electronic money via an IC chip built in the electronic money card. It can be carried out.
In order to disseminate such payments in corporate currency, Patent Document 1 describes that headquarters such as convenience stores in each country cooperate to construct the same system and provide services using electronic money. (For example, refer to Patent Document 1).

JP 2008-282368 A

However, conventional electronic money cards have been issued separately for each business operator.

The present invention has been made in view of such a situation, and an object of the present invention is to make it possible to realize a so-called common card such as an electronic money card that can use electronic money of a plurality of business operators by one sheet.

In order to achieve the above object, a corporate currency management apparatus according to one aspect of the present invention provides:
A variable setting means for variably setting a correspondence relationship between the base currency and the corporate currency based on a predetermined condition, with an exchange currency of a predetermined basic region as the base currency;
A value recognition means for recognizing the amount of consideration for goods or services of a business subject to payment among a plurality of business operators;
Based on the correspondence relationship variably set by the variable setting means and the exchange rate between a predetermined exchange currency and the base currency, the amount of consideration recognized by the consideration recognition means is calculated as the business to be paid. A corporate currency conversion means for converting the amount of the corporate currency that can be used by a person,
A corporate currency management means for executing management for reducing the amount of the consideration for the business subject to payment, using the corporate currency associated with the storage medium;
Billing processing means for controlling execution of billing processing for the amount of consideration for the business subject to payment using a predetermined exchange currency or the base currency;
It is characterized by providing.

According to the present invention, it is possible to realize a so-called common card, such as an electronic money card that can use electronic money of a plurality of business operators in one piece.

It is a figure which shows the structure of the corporate currency management system with which the corporate currency management apparatus which concerns on embodiment of this invention is applied. It is a block diagram which shows the hardware constitutions of the corporate currency management apparatus of embodiment of this invention. It is a functional block diagram which shows the functional structure for performing a corporate currency management process among the functional structures of the corporate currency management apparatus of FIG. It is a schematic diagram which shows the outline | summary of the card | curd medium C used for a corporate currency management process.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[Outline of corporate currency management system]
FIG. 1 shows a configuration of a corporate currency management system including a corporate currency management apparatus according to an embodiment of the present invention.
The corporate currency management system 1 shown in FIG. 1 is configured by connecting a corporate currency management apparatus 10, tablet terminals 20-1 to 20-m, and a billing server 30 to each other via a network 40. Yes.

The n (n is an arbitrary integer value of 1 or more) card media C-1 to C-n are configured by an IC (Integrated Circuit) capable of non-contact communication and a magnetic card, and information (data ) Recording and calculation functions. Hereinafter, when it is not necessary to individually distinguish the card media C-1 to Cn, these are collectively referred to simply as “card media C”.
The card medium C is associated with a corporate currency (points) that can be used for payment for the provision of goods and services by a plurality of businesses. In other words, the card medium C is an electronic money card, that is, a common card that can use electronic money of a plurality of businesses as a single sheet. Here, “corporate currency is associated” does not mean that the corporate currency is directly stored in the card medium C, and the amount of corporate currency that can be used using the card medium C is the corporate currency. It means that it is managed by the management apparatus 10.
That is, the card medium C has a use of using a corporate currency in payment of consideration for provision of goods and services of a desired business among a plurality of business operators, but the business currency itself is not stored. In addition, only an identifier (card number) for uniquely identifying itself is stored.

Each of the m tablet terminals 20-1 to 20-m (m is an arbitrary integer value of 1 or more) is owned by, for example, each of m different business operators. Hereinafter, when it is not necessary to individually distinguish the tablet terminals 20-1 to 20-m, these are collectively referred to as “tablet terminal 20”.
Here, for example, it is assumed that at least one of m business operators provides a taxi dispatch service. In this case, essentially, one tablet terminal 20 is distributed to each of a plurality of drivers belonging to each of the operators.
The tablet terminal 20 is configured as a computer having a processing function as a computer main body, a touch panel and several buttons as an input device, a display and a speaker as a display device, etc. in a plate-shaped housing.
Although not shown, the tablet terminal 20 includes a reader / writer unit, a communication unit, and a GPS (Global Positioning System) unit.
The reader / writer unit has a reader / writer function of the card medium C, and reads out information stored in the card medium C by performing contact or non-contact communication with an IC incorporated in the card medium C. Information can be written to the card medium C.
The communication unit can perform communication for exchanging various types of information using, for example, Wi-Fi with other devices (mainly the corporate currency management device 10 in the example of FIG. 1) via the network 40.
When the GPS unit receives GPS signals from a plurality of GPS satellites, based on these GPS signals, data indicating the current position of the tablet terminal 20, specifically, latitude, longitude, and altitude data ( These data are collectively referred to as “position information” hereinafter). The position information (hereinafter referred to as “action place”) where the payment action using the card C is performed is specified by this position information.
The method of identifying the place of action is not particularly limited to such a method of identifying by location information based on GPS, and other methods of identifying by the type of exchange currency used at the time of settlement (for example, Japan and Japan if yen is used) It is also possible to adopt the method of identifying Korea if the won is used.

The corporate currency management device 10 is configured by a server or the like managed by a person different from the above-described plurality of business operators, and manages the corporate currency associated with the card medium C.

For example, in this embodiment, for each card medium C, a predetermined amount of corporate currency (points that can be used by a plurality of business operators) is associated in advance (provided in advance). Here, the points that can be used by a plurality of operators may be different points for each of the plurality of operators, or the points themselves are set to the same rate for each operator as the same rate. There may be.
An owner of the card medium C (for example, a user U described later) uses the corporate currency associated with the card medium C to pay for the service provided by each of the plurality of companies described above. You can do it with just one.
However, the payment in the corporate currency is conditional on the card medium C being activated. That is, the card medium C that has not been activated cannot be paid in the corporate currency even if a predetermined amount of the corporate currency is associated.
Therefore, in the card medium C of the present embodiment, even if it is intended to be used without permission by a third party, if it is not activated, the corporate currency associated with the card medium C is used. Is never used. Accordingly, the business operator can distribute the card medium C associated with the corporate currency with peace of mind to an unspecified number of people, and thus can promote the use of the card medium C associated with the corporate currency. Thus, it is possible to easily realize advertising activities of various types of businesses using a card medium associated with the corporate currency.
The corporate currency management device 10 manages the activation of each card medium C as described above.
Here, the validation can be performed for the entire card medium C or for each business operator. That is, even with one card medium C, it is possible to make it valid for a part of business operators and to invalidate it for the remaining part of business operators.

Further, for example, the corporate currency management device 10 manages the addition and subtraction of the amount of the validated corporate currency for each card medium C, or in some cases, for each business entity.
More specifically, the corporate currency management device 10 uses the exchange currency of a predetermined basic region (for example, the issuing country of the card medium C) as the basic currency, and determines the correspondence between the basic currency and the corporate currency based on predetermined conditions. Variable setting. As a correspondence relationship between the base currency and the corporate currency, for example, a conversion route (hereinafter referred to as “corporate currency rate”) of the corporate currency (points) to the base currency can be adopted.
As a predetermined condition, for example, when the place of action is Korea, a condition that α (α is an arbitrary value greater than or equal to 0) is set as compared with the case where the place of action is a basic region (for example, Japan). it can. In this case, if the place of action is Japan, the corporate currency rate is set to 1 point = 1 yen, for example. If the place of action is Korea, the company rate is set to 1 point = 1 × α yen, for example. The Furthermore, the predetermined condition can be varied for each place of action. More precisely, when a plurality of types of exchange currencies are used in a predetermined place of action, the currency can be varied for each type of exchange currency. However, hereinafter, for convenience of explanation, it is assumed that one currency is used in one place of action. That is, for example, when the place of action is the United States, the condition that the place of action is worth β (β is an arbitrary value greater than or equal to 0 different from α) compared to the case where the place of action is a basic region (eg, Japan) Can be set. In this case, if the place of action is Japan, the corporate currency rate is set to 1 point = 1 yen, for example. If the place of action is the United States, the company rate is set to 1 point = 1 × β yen, for example. The
Furthermore, α and β themselves can be variably set at an arbitrary timing. For example, the corporate currency management apparatus 10 may update the setting of α at a predetermined timing such as 9:00 am every day based on the exchange rate of yen and won (which is announced by some public institution). it can. Similarly, the corporate currency management apparatus 10 updates the setting of β at a predetermined timing such as 9:00 am every day based on the exchange rate of yen and US dollars (which is announced by some public institution). be able to.
Alternatively, as the predetermined condition, for example, even if the place of action is the same, it is possible to set different conditions for each business operator that issues the card medium C. In this case, for example, when Company A is the payee, the corporate currency rate is set to 1 point = 1 × γ yen, for example. When Company B is the payee, the company currency rate is, for example, 1 point = 1 × θ yen. Is set. Note that γ and θ are different values and are arbitrary values of 0 or more.
By setting different conditions for each business operator, payment for each business operator can be realized at the same point. Note that, as described above, such a condition may not be set, and points (corporate currency) for each business may be managed separately.
The corporate currency management apparatus 10 identifies the place of action and recognizes the amount of consideration for goods or services paid by the card medium C as the amount of the currency of the place of action.
The corporate currency management apparatus 10 variably sets the corporate currency rate, and the exchange rate between the exchange currency of the specified place of action and the base currency (if the place of action is Korea, for example, 1 won = 0.0834 yen) Based on the above, the value of the exchange currency of the recognized place of action (for example, the amount recognized in won if the place of action is Korea) is recognized for the amount of consideration for goods or services paid by the card medium C. It is converted into the amount of corporate currency (number of points) that is valid for the business operator.
The corporate currency management apparatus 10 executes management for reducing the amount of consideration for goods or services paid by the card medium C using the corporate currency associated with the card medium C.
At that time, when the corporate currency management apparatus 10 reduces the amount of the corporate currency for payment by the card medium C, the corporate currency management apparatus 10 charges the reduced amount using the exchange currency or the base currency of the place of action (hereinafter referred to as “charging process”). ") Is requested to the billing server 30.

The billing server 30 executes billing processing based on a request from the corporate currency management apparatus 10. That is, the billing server 30 charges the amount of the corporate currency subtracted for payment by the card medium C using the exchange currency or the base currency of the place of action.
It should be noted that the billing process that can be performed by the billing server 30 is not limited to the card medium C, but may be any existing electronic money or credit card. In other words, the tablet terminal 20 can accept payment for the provision of services by the above-mentioned operators not only with the card medium C but also with an arbitrary medium such as existing electronic money or a credit card.

The outline of the operation of such a corporate currency management system is as follows.
That is, for example, a taxi driver T belonging to one of the above-mentioned plurality of business operators holds the tablet terminal 20 to the user U who is the holder of the card medium C when paying the taxi fare. Present.
The user U or the driver T inserts and passes the card medium C into the tablet terminal 20.
Then, the following series of processes is executed, and the taxi fare is paid in the corporate currency associated with the card medium C.
That is, the tablet terminal 20 reads the card number from the inserted card medium C, and together with the identification number (hereinafter referred to as “business number”) of its own business operator (here, taxi company) via the network 40. To the corporate currency management apparatus 10.
When the corporate currency management apparatus 10 receives the card number and the company number from the tablet terminal 20, it determines whether or not the card medium C corresponding to the card number is activated. If the corporate currency management device 10 determines that the card medium C has been activated, the corporate currency management device 10 recognizes the amount of consideration for the taxi service (the amount of taxi fare payment), and determines the corporate currency rate or exchange currency. Using the rate, it is converted into the amount of the corporate currency (a corporate currency that is valid for a taxi company), and for the corporate currency (points), the amount of the converted consideration (number of points) is subtracted and Requests a billing process using the exchange currency or the base currency of the place of action.
The billing server 30 charges for the payment of the taxi fare for a taxi using a predetermined exchange currency (exchange currency or base currency of the place of action).

[Configuration of Corporate Currency Management Device 10]
Next, details of the configuration of the corporate currency management apparatus 10 in the corporate currency management system of FIG. 1 will be described.
FIG. 2 is a block diagram showing a hardware configuration of the corporate currency management apparatus according to the embodiment of the present invention.

The corporate currency management device 10 includes a CPU (Central Processing Unit) 111, a ROM (Read Only Memory) 112, a RAM (Random Access Memory) 113, a bus 114, an input / output interface 115, an output unit 116, and an input. Unit 117, storage unit 118, communication unit 119, and drive 120.

The CPU 111 executes various processes according to a program recorded in the ROM 112 or a program loaded from the storage unit 118 to the RAM 113.

The RAM 113 appropriately stores data necessary for the CPU 111 to execute various processes.

The CPU 111, the ROM 112, and the RAM 113 are connected to each other via a bus 114. An input / output interface 115 is also connected to the bus 114. An output unit 116, an input unit 117, a storage unit 118, a communication unit 119, and a drive 120 are connected to the input / output interface 115.

The output unit 116 includes a display, a speaker, and the like, and outputs an image and sound.
The input unit 117 includes a keyboard, various buttons, and the like, and inputs various types of information in accordance with operator instruction operations.
The storage unit 118 is configured with a hard disk, a DRAM (Dynamic Random Access Memory), or the like, and stores various data.
The communication unit 119 controls communication performed with other devices (the tablet terminal 20 and the billing server 30 in the example of FIG. 1) via the network 40 including the Internet.

In the drive 120, a removable medium 131 made of a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory or the like is appropriately mounted. The program read from the removable medium 131 by the drive 120 is installed in the storage unit 118 as necessary. In addition, the removable medium 131 can store various data stored in the storage unit 118 in the same manner as the storage unit 118.

The CPU 111 of the corporate currency management apparatus 10 having such a configuration recognizes the value of goods or services paid by the card in the amount of the exchange currency of the place of action, and variably sets the corporate currency rate and place of action and the key country. Based on the exchange currency rate of the company, it is converted to the amount of the corporate currency that is valid for the business to be paid, the amount of the converted corporate currency is reduced, and the recognized amount is charged to the local currency or The accounting server 30 is requested to perform in the basic currency. Such a series of processing is hereinafter referred to as “corporate currency management processing”.

FIG. 3 is a functional block diagram showing a functional configuration for executing such a corporate currency management process in the functional configuration of the corporate currency management apparatus 10.

In the CPU 111, when the execution of the corporate currency management process is controlled, the variable setting unit 201, the billing unit 202, and the corporate currency control unit 203 function.

The variable setting unit 201 variably sets the correspondence between the base currency and the corporate currency (company currency rate) according to a predetermined condition. Here, as described above, the variable setting unit 201 can also variably set the predetermined condition in accordance with the environment (difference in place of action, difference between a plurality of business operators, and the like).

The billing unit 202 requests the billing server 30 to execute the billing process of the fee when the price of the product or service is paid by the predetermined card medium C associated with the corporate currency.
The billing unit 202 identifies, as the place of action, the area where the card medium C has been used to pay for the goods or services in the corporate currency. Specifically, the charging unit 202 specifies the position of the tablet terminal 20 at the time when the card medium C is mounted as the place of action based on the position information of the tablet terminal 20.
The billing unit 202 also identifies a business operator to be paid. Specifically, the billing unit 202 identifies a business to be paid based on the business number transmitted from the tablet terminal 20.
The billing unit 202 recognizes the value of the goods or services paid by the card medium C by the amount of the exchange currency of the place of action specified by the place of action specifying unit 212.

The corporate currency control unit 203 converts the corporate currency rate variably set by the variable setting unit 201 and the exchange rate between the identified place of action and the basic currency (hereinafter referred to as “exchange currency rate”). Based on this, the amount recognized by the consideration recognizing unit 213 (the amount of the exchange currency in the place of action) is converted into the amount of the corporate currency (number of points) that can be used by the business to be paid.
Specifically, the corporate currency conversion unit 221 converts the recognized amount into the corporate currency amount based on the exchange currency rate table and the corporate currency rate table stored in the storage unit 118.

The corporate currency control unit 203 manages the addition and subtraction of the corporate currency for each card medium C (and for each business as necessary). Specifically, when the consideration for goods or services is paid by the card medium C, the company currency control unit 203 calculates the converted consideration from the amount of the company currency associated with the card medium C (the balance of the number of points). Reduce the amount (number of points for consideration). Specifically, the corporate currency management unit 222 reduces the converted number of points from the number of points (balance) stored in the storage unit 118 and overwrites (updates) the reduced number of points in the storage unit 118. To do.
Here, as described above, if the same point is used by a plurality of businesses as described above, the number of points is converted at the rate of the business subject to payment as needed, If different points are used, the number of points of the business to be paid is used.

Next, the corporate currency management process executed by the corporate currency management apparatus 10 having the functional configuration shown in FIG. 3 will be described.

In the corporate currency management process, when the card medium C is attached to the tablet terminal 20 and passed, the product or service (for example, taxi fare) of the business owner (for example, taxi company) that owns the tablet terminal 20 is obtained. The process is started upon the payment of the consideration, and the following series of processing is executed.

The billing unit 202 identifies the place of action where the payment by the card medium C was performed and the business that is the object of payment.

The billing unit 202 recognizes the value of goods or services paid by the card medium C by the amount of the currency of the specified place of action. Here, in the case where a plurality of types of exchange currencies are used in the specified place of action, the currency is further recognized by the amount of a predetermined one type of exchange currency among the plurality of currencies.

The corporate currency control unit 203 refers to the corporate currency rate table and identifies the corporate currency rate according to the specified place of action and the specified business subject to payment.

The corporate currency control unit 203 refers to the exchange currency rate table and identifies the exchange currency rate corresponding to the specified place of action.

The corporate currency conversion unit 221 converts the recognized amount into the amount of corporate currency that can be used by the business to be paid based on the specified corporate currency rate and the specified exchange currency rate.

The charging unit 202 requests the charging server 30 to perform the charging process with the recognized amount.

The corporate currency control unit 203 subtracts the amount of the corporate currency (the balance of the number of points) associated with the card medium C by the converted amount (the amount of consideration after the point conversion). The corporate currency control unit 203 stores the amount of the corporate currency after subtraction corresponding to the card medium C (the updated value of the number of points) in the storage unit 118.
When this process ends, the corporate currency management process ends.

FIG. 4 shows an outline of the card medium C used for such a corporate currency management process.
In FIG. 4, the card medium C is drawn as a common card.
As shown in FIG. 4, this system using a card medium C uses a plurality of “self-issued cards (cards that have been issued by a business operator)” with a single card medium C. It is an original electronic money system that can be used.
As a result, the user U (end user shown in FIG. 4) can use electronic money points (corporate currency) issued by a plurality of stores (a plurality of businesses) with one card medium C, Electronic money in a plurality of stores (a plurality of businesses) on one website (a website managed by the company management apparatus 10 in FIG. 1) by a terminal (smartphone or the like) owned by the self illustrated in FIG. -The effect of confirming the usage status of points (corporate currency) can be achieved.
On the other hand, for the business operator (introduction store), the card creation cost can be reduced, the initial introduction burden can be reduced, and the Web site for the end user can be shared (not necessarily managed by itself). Can be reduced.

It should be noted that the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within a scope that can achieve the object of the present invention are included in the present invention.

For example, as the correspondence relationship between the base currency and the corporate currency, the above-described embodiment adopts the corporate currency rate. However, the present invention is not limited to this, as long as mutual conversion between the base currency and the corporate currency is possible. There is no particular limitation.
In addition, for example, the predetermined condition for variably setting the correspondence relationship between the base currency and the corporate currency (the corporate currency rate in the above example) is the environment (difference in place of action and issuance of the card medium C) in the above embodiment. However, the present invention is not limited to this.

For example, the amount of consideration recognized is the amount of exchange currency at the place of action in the above-described embodiment, but is not limited thereto, and may be, for example, the amount (point number) of corporate currency.
In this case, the following series of processing is executed.
In other words, the issuer (operator) of the card medium C can selectively use and set the “exchange currency rate” and the “company currency rate” with respect to the company currency (points).
In this case, when the “exchange rate” is set to be used, the basis is the currency of the issuing country (basic region), that is, the base currency. Accordingly, when the card medium C is used, the exchange rate of the place of exchange for the base currency (exchange rate) is used to convert the amount of the corporate currency (points).
As a result, the card medium C can be used in various countries around the world on the premise of mutual cooperation between the issuer of the card medium C and the user (user).
On the other hand, when the “corporate currency rate” is set to be used, the business that can pay with the card medium C can freely change the corporate currency conversion rate at the affiliated store (tablet terminal 20) with respect to the corporate currency (points). Can be set to Freedom means that the setting value has a changeable specification. When using the card medium C, the corporate currency rate (number of points) is converted using the corporate currency rate of the affiliated store (tablet terminal 20) for the corporate currency unit (1 point).
Specifically, for example, suppose that points are adopted as a corporate currency, and points issued in Japan are used in Korean partner stores (tablet terminals 20 existing in Korea).
As a precondition in this case, 1000 points (equivalent to 1000 yen) are issued in Japan, and 11689 points (in exchange currency rate) converted from the base currency (yen) to the exchange currency (won) of the place of action ( 11689 won). The issuer assumes that the exchange currency rate of 0.8 is set as the corporate currency rate of the Korean partner store (tablet terminal 20 existing in Korea). However, the set value of the corporate currency rate is a specification that can be changed, for example, a specification that can change the rate, rounding up or down, and the like. It is assumed that 1000 points issued in Japan are used in a Korean partner store (tablet terminal 20 existing in Korea). In this case, the remaining amount of points associated with the card medium C is 0 points, and when “exchange rate” is set to be used, 11689 won is charged, whereas “company currency rate” "" Is set to use, it will be charged 8351 times 9351 won.
As described above, by setting the use of the “corporate currency rate”, the following effects (1) to (3) can be obtained as in the above-described embodiment.
(1) It is possible to use in countries around the world on the premise of mutual cooperation between the issuer and the user.
(2) The issuer can reduce the risk of remaining points.
(3) The issuer can freely set the cost and selling price without depending on the currency exchange rate.

In addition, the medium associated with the corporate currency is the card medium C in the above-described embodiment, but is not particularly limited thereto, and may be any storage medium associated with the corporate currency. In other words, a “common card” is just a name, and a storage medium that can combine multiple “self-issued cards (cards that have been issued by the business itself)” from different issuers into one. Good. As described above, the corporate currency itself is not stored in this storage medium, and information that can identify the storage medium (a card number in the above example) is sufficient.
In other words, the present invention can be applied by associating a corporate currency with a storage medium that can identify or identify an individual, specifically, a magnetic card, an IC card, a portable information terminal, a USB memory, or the like.

In the above-described embodiment, the corporate currency management apparatus 10 to which the present invention is applied has been described using a server as an example, but is not particularly limited thereto.
For example, the present invention can be applied to electronic devices in general. Specifically, for example, the present invention can be applied to a notebook personal computer, a television receiver, a video camera, a portable navigation device, a mobile phone, a portable game machine, and the like.

The series of processes described above can be executed by hardware or can be executed by software.
In other words, the functional configuration of FIG. 3 is merely an example, and is not particularly limited. That is, it is sufficient that the corporate currency management apparatus 10 has a function capable of executing the above-described series of processes as a whole, and what functional blocks are used to realize this function is particularly limited to the example of FIG. Not.
In addition, one functional block may be constituted by hardware alone, software alone, or a combination thereof.

When a series of processing is executed by software, a program constituting the software is installed on a computer or the like from a network or a recording medium.
The computer may be a computer incorporated in dedicated hardware. The computer may be a computer capable of executing various functions by installing various programs, for example, a general-purpose personal computer.

The recording medium including such a program is not only constituted by the removable medium 131 of FIG. 2 distributed separately from the apparatus main body in order to provide the program to the user, but also in a state of being incorporated in the apparatus main body in advance. It is comprised with the recording medium etc. which are provided in this. The removable medium 131 is configured by, for example, a magnetic disk (including a floppy disk), a Blu-ray Disc (Blu-ray Disc: registered trademark), an optical disk, a magneto-optical disk, or the like. The optical disk is composed of, for example, a CD-ROM (Compact Disk-Read Only Memory), a DVD (Digital Versatile Disk), or the like. The magneto-optical disk is constituted by an MD (Mini-Disk) or the like. In addition, the recording medium provided to the user in a state of being preinstalled in the apparatus main body is configured by, for example, the ROM 112 in FIG. 2 in which the program is recorded, the hard disk included in the storage unit 118 in FIG.

In the present specification, the step of describing the program recorded on the recording medium is not limited to the processing performed in time series along the order, but is not necessarily performed in time series, either in parallel or individually. The process to be executed is also included.
Further, in the present specification, the term “system” means an overall apparatus configured by a plurality of devices, a plurality of means, and the like.

111 ... CPU, 112 ... ROM, 113 ... RAM, 114 ... bus, 115 ... input / output interface, 116 ... output unit, 117 ... input unit, 118 ... Storage unit, 119 ... Communication unit, 120 ... Drive, 131 ... Removable media, 201 ... Variable setting unit, 202 ... Billing unit, 203 ... Corporate currency control unit

Claims

A variable setting means for variably setting a correspondence relationship between the base currency and the corporate currency based on a predetermined condition, with an exchange currency of a predetermined basic region as the base currency;
A value recognition means for recognizing the amount of consideration for goods or services of a business subject to payment among a plurality of business operators;
Based on the correspondence relationship variably set by the variable setting means and the exchange rate between a predetermined exchange currency and the base currency, the amount of consideration recognized by the consideration recognition means is calculated as the business to be paid. A corporate currency conversion means for converting the amount of the corporate currency that can be used by a person,
A corporate currency management means for performing management for reducing the amount of the consideration for the business subject to payment using the corporate currency associated with the storage medium of the payer;
Billing processing means for controlling execution of billing processing for the amount of consideration for the business subject to payment using a predetermined exchange currency or the base currency;
A corporate currency management apparatus comprising: