WO2019044920A1

WO2019044920A1 - Point converting system

Info

Publication number: WO2019044920A1
Application number: PCT/JP2018/032000
Authority: WO
Inventors: 松原　高司
Original assignee: 株式会社Ｍｒｓホールディングズ
Priority date: 2017-08-31
Filing date: 2018-08-29
Publication date: 2019-03-07
Also published as: KR20200016360A; JP6356326B1; KR102338696B1; CN111033543A; JP2019046107A; CN111033543B

Abstract

Provided is a system for converting points accumulated on a point card into an electronic currency, and for cashing the points by way of the electronic currency. The system is provided with a main server, a bank management server, a settlement system management server and a point management server. The point management server calculates the points of a user on the basis of a point granting rate, and transmits information relating to the calculated points to the main server. The main server converts the points into the electronic currency on the basis of a conversion rate, and transmits electronic currency information to the point management server. The point management server performs a remittance to the bank management server on the basis of the electronic currency information. The bank management server updates an electronic currency total sum in a representative account into which the electronic currency accumulated by all users is temporarily deposited, on the basis of the electronic currency information. The bank management server reports the electronic currency information to the settlement system management server, and the settlement system management server updates the electronic currency total sum usable by the user on the basis of the electronic currency information.

Description

Point conversion system

The present invention relates to a point conversion system that converts points stored on a point card into electronic currency and cashes points via the electronic currency.

The point card is a service that returns certain points to customers according to the purchase price when a product is purchased at a store, and is widely used.
For example, in Patent Document 1, there are a plurality of point information DBs that store point information acquired via a network from a point issuing system of a business that issues points to a user incidental to provision of a product etc. The point issuing system stores a point issuing condition DB that stores an action for issuing points to the user on the website, and the point issuing system executes the point issuing action to make the user acquire point information, and this point information There has been proposed a system provided with a point issuing action execution unit that stores in the point information DB.

Patent No. 4708049

In the system of Patent Document 1, the user and the business operator need to have a trading account at a financial institution such as a bank. However, when establishing a transaction account at a financial institution such as a bank, identification of the person is required, and it may take time to prepare necessary documents.
By the way, when a product is purchased by the points accumulated in the point card, it is general that the points are not accumulated in the points.

An object of the present invention is to provide a system which does not require the user to open a trading account to a financial institution when converting points stored in a point card into electronic currency and using it as electronic currency. .
Another object of the present invention is to provide a system in which additional electronic currency is accumulated as a benefit even when using the electronic currency converted from the points stored in the point card.

The gist of the present invention is as follows.
The present invention is a point conversion system that converts points stored on a point card into electronic currency and cashes the points via the electronic currency.
The system comprises a main server, a bank management server, a payment system management server, and a point management server.
The point management server calculates a user's point based on the point grant rate, and transmits the calculated point information to the main server.
The main server converts the points into electronic currency based on a conversion rate, and transmits information of the electronic currency to the point management server.
The point management server remits the bank management server based on the information of the electronic currency,
The bank management server updates an electronic currency total amount of a representative account to which electronic money accumulated by all users is temporarily deposited, based on the information of the electronic currency.
The bank management server notifies the payment system management server of the information of the electronic currency,
The settlement system management server updates the total amount of electronic currency usable by the user based on the information of the electronic currency.
Also,
A point conversion system for converting points stored in a point card into an electronic currency and cashing the points via the electronic currency,
The system comprises a main server, a bank management server, a payment system management server, and a point management server.
The point management server calculates the user's point based on the point grant rate, and transmits the calculated point information and the user's point card number to the main server.
The main server converts the points to electronic currency based on a conversion rate, and transmits information on the electronic currency and a deposit / withdrawal ID corresponding to the point card number to the point management server.
The point management server remits the bank management server based on the information of the electronic currency, using the deposit and withdrawal ID as a destination.
The bank management server specifies a representative account corresponding to the deposit and withdrawal ID, and based on the information on the remittance, the total amount of electronic currency of the representative account to which electronic money accumulated by all users is once deposited Update
The bank management server notifies the payment system management server of the information on the remittance and the deposit / withdrawal ID.
The settlement system management server specifies a settlement ID corresponding to the deposit and withdrawal ID, and updates the total amount of electronic currency usable by the user associated with the settlement ID based on the information on the remittance.

When using the electronic currency converted from the points stored on the point card,
The settlement system management server calculates a benefit based on the benefit assignment rate, and transmits the calculated benefit information to the main server.
The main server calculates a benefit electronic currency from the calculated benefit information based on the benefit conversion rate and the revisit store preferential rate, and transmits the benefit electronic currency information to the bank management server.
The above-mentioned shop return discount rate changes depending on whether or not the electronic currency is used in the same store as the store that issued the points,
The bank management server updates an electronic currency total amount of the representative account based on the information of the privilege electronic currency.
The bank management server notifies the payment system management server of the information of the electronic currency,
The settlement system management server updates the total amount of electronic currency usable by the user based on the information of the privilege electronic currency.
Also,
When using the electronic currency converted from the points stored on the point card,
The settlement system management server calculates a privilege based on a privilege giving rate, and transmits calculated privilege information and the settlement ID to the main server,
The main server calculates the privilege electronic currency from the information on the benefit calculated based on the benefit conversion rate and the return discount rate, identifies the deposit / withdrawal ID corresponding to the settlement ID, and sends it to the bank management server. Then, a remittance request is made based on the information on the benefit electronic currency and the deposit / withdrawal ID with the deposit / withdrawal ID as a destination.
The above-mentioned shop return discount rate changes depending on whether the electronic currency is used at the store where points are accumulated,
The bank management server specifies a representative account corresponding to the deposit and withdrawal ID, and updates the total amount of electronic money of the representative account based on the information of the remittance request.
The bank management server notifies the payment system management server of the information on the remittance and the deposit / withdrawal ID.
The settlement system management server specifies a settlement ID corresponding to the deposit and withdrawal ID, and updates the total amount of electronic currency usable by the user associated with the settlement ID based on the information on the remittance.

When cashing the electronic currency converted from the points stored on the point card,
The settlement system management server calculates the amount of money transfer (account transfer) based on the cash conversion reduction rate,
The bank management server transfers (transfers) the calculated funds transfer (account transfer) amount from the representative account to an account for lending to the user.

At least two of the main server, the bank management server, the payment system management server, and the point management server are configured by one piece of hardware.

The terms used in the present invention will be described.

In the present invention, when the points stored in the point card are converted to electronic currency and used as the electronic currency, the user does not have to open a transaction account at the financial institution by himself, so the time and effort required for the procedure can be reduced. It can be omitted.
In addition, even when using the electronic currency converted from the points stored in the point card, additional electronic currency is stored as a benefit, which is attractive to the user and promotes the storage of the points to the user it can.
Furthermore, using the electronic currency accumulated in the same store as the store that acquired the points, more electronic currency can be obtained, so it is possible to expect an effect of attracting customers to the same store. On the other hand, cashing reduces the amount, but since it is possible to shop at stores other than the point card X member stores, the convenience for the user is improved.

It is a block diagram of the system concerning one embodiment of the present invention. It is a block diagram of a main server. It is a sequence diagram which shows the step which produces a point card. It is a figure which shows an example of a point card number, ID for deposit or withdrawal, and ID for payment. It is a figure for demonstrating a representative account and an account loaned to each user. It is a sequence diagram which shows the step which accumulate | stores an electronic currency in a point card. It is a figure which shows an example of an electronic currency log | history. It is a sequence diagram which shows an example of the step of using the electronic currency accumulate | stored in the point card. It is a sequence diagram which shows an example of the step of using the electronic currency accumulate | stored in the point card. It is a sequence diagram which shows the other example of the step of using the electronic currency accumulate | stored in the point card. It is a sequence diagram which shows the other example of the step of using the electronic currency accumulate | stored in the point card. It is a sequence diagram which shows the other example of the step of using the electronic currency accumulate | stored in the point card.

First, the concept of the present invention will be briefly described.
The system of the present invention converts the points stored on the point card into electronic currency, and when using it as electronic currency, it is not necessary for the user to open a transaction account at a financial institution by himself. Also, when using the electronic currency converted from the points stored in the point card (herein also referred to as "the electronic currency stored in the point card" for the sake of simplicity of the description), Further electronic currency (hereinafter, also referred to as “privilege electronic currency”) is accumulated as a benefit depending on whether the point is to be used in the same shop as the issued shop. In addition, when cashing electronic currency, reduce it and convert it.
For example, stores A and B are members stores of point card X, and when user U purchases at store A and stores 800 points, 800 points are converted to electronic currency. When this electronic currency is used as the electronic currency in the same store A where points are obtained, it is converted to 808 yen. When used as an electronic currency in a store B different from the point accumulated, it is converted to 807 yen. Moreover, when cashing this electronic currency, it is converted into 720 yen.
In this way, when points are acquired in a store, converted and accumulated in an electronic currency, and using the electronic currency accumulated in the same store from which points are acquired, more electronic currency can be obtained, so the effect of attracting customers to the same shop is Expected. On the other hand, cashing reduces the amount, but since it is possible to shop at stores other than the point card X member stores, the convenience for the user is improved.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a block diagram of a system according to an embodiment of the present invention.
The system 100 of the present invention comprises a main server 10, a bank management server 20, a payment system management server 30, and a point management server 40. These servers (10, 20, 30, 40) are mutually connected via a dedicated line. Stores A and B are members stores of point card X, and are operated by a POS (Point Of Sales) terminal or a CAT (Credit Authorization Terminal) terminal. The user U intends to register the point card X as a member.

FIG. 2 is a block diagram of the main server.
The main server 10 includes a communication unit, a storage unit, an arithmetic unit, a control unit, and the like. Although illustration is omitted, the bank management server 20, the settlement system management server 30, and the point management server 40 similarly include a communication unit, a storage unit, a calculation unit, a control unit, and the like.
In the following, instead of the expression “the main server 10 transmits information to the communication unit of the bank management server 20 via the communication unit” for simplification of the description, the main server 10 simply refers to the bank management server. Although the information is described as “send information to 20”, it is understood by those skilled in the art that information is actually transmitted from the description through the communication unit. The description of the storage unit, the calculation unit, and the control unit is also omitted.

Next, the steps of creating a point card, storing the electronic currency in the point card, and using the electronic currency stored in the point card will be described in order.

FIG. 3 is a sequence diagram showing the steps of creating a point card.
In step S1, the user U requests the store A to create a point card X.
In step S2, the store A transmits a point card creation request to the point management server 40.
In step S3, the point management server 40 determines a unique point card number (for example, 8855335) assigned to the user U.
In step S4, the point management server 40 transmits the point card number to the main server 10, and determines the deposit / withdrawal ID and the settlement ID (also referred to as "both IDs" in the figure) for the point card number. Request the main server 10.
In step S5, the main server 10 determines the deposit / withdrawal ID and the settlement ID. The deposit / withdrawal ID and the payment ID are uniquely determined for the point card number. As shown in FIG. 4A, the main server 10 creates a table of the deposit / withdrawal ID and the settlement ID for the point card number.
In step S6, the main server 10 transmits the deposit / withdrawal ID to the bank management server 20.
In step S7, the bank management server 20 establishes an account (hereinafter also referred to as "U account") to be lent to the user U based on the deposit / withdrawal ID. As shown in FIG. 4B, the U account is the bank No. “1310”, the store number “888”, the deposit type “1”, and the account number “8855335”. The U account is used to cash out the electronic currency accumulated by the user U. As described later with reference to FIG. 5, the electronic currency accumulated by the user U is temporarily deposited to the representative account. Thereafter, the electronic currency accumulated by the user U is converted from the electronic currency to cash when the user U desires to be cashed, and moved from the representative account to the U account.
The U account is established prior to the user U's identity verification. That is, the U account is opened while the user U does not know. However, when the user U withdraws cash or performs remittance, personal identification information may be required.
In step S8, the main server 10 transmits the settlement ID to the settlement system management server 30.
In step S9, the settlement system management server 30 enables the use of the electronic currency via the settlement ID. For example, the settlement system management server 30 can cause the user U to use the settlement ID “1234-5678-9012-3456” as if it is a credit card number. The settlement ID is used when the user U uses the electronic currency stored in the point card X.
In step S10, the main server 10 transmits the deposit and withdrawal ID and the settlement ID to the point management server 40.
In step S11, the point management server 40 sends the point card X as shown in FIG. 4C to the user U, thereby notifying the user U of the point card number, the deposit / withdrawal ID and the settlement ID. Alternatively, instead of sending the point card X to the user U, the point card number, the deposit / withdrawal ID and the settlement ID may be notified to the user U by e-mail or the like.
The main server 10 may transmit the table of FIG. 4A to the bank management server 20 and the settlement system management server 30.

FIG. 5 is a diagram for explaining a representative account and an account to be lent to each user.
As shown in FIG. 5 (a), the bank management server 20 sends a representative account "131-137-1-1234567" and an account lent to the user U2 in addition to the U account as an account lent to each user (U2 An account (U3 account) for lending to the user U3 is included. The users U2 and U3 are members of the point card X.
Since the user U has just opened an account, the balance of the U account is 0 yen.
The balance of U2 account is 100 yen and the balance of U3 account is 1000 yen. This means that the cash which can be withdrawn from the U2 account is 100 yen and the cash which can be withdrawn from the U3 account is 1000 yen.
The balance of the representative account “1310-137-1-1234567” (total electronic currency amount) is ¥ 7785. This balance means the total amount of electronic currency accumulated by all users (user U, U2, U3 in this example). Of 7785 yen, 2785 yen is the amount of electronic currency accumulated by the user U2, and 5000 yen is the amount of electronic currency accumulated by the user U3. That is, the user U2 deposits the electronic currency "2785 yen" accumulated by itself in the representative account, and the user U3 deposits the electronic currency "5000 yen" accumulated by itself in the representative account.
As described later, the electronic currency accumulated by the user U is temporarily deposited to the representative account based on the transfer destination table shown in FIG. 5 (b). Thereafter, when the user U cashes the electronic currency, the electronic currency is converted to cash and moved to the user U account number “8855335” described in the transfer destination.

FIG. 5B is a diagram for explaining the transfer destination table.
The bank management server 20 is provided with a database of a transfer destination table, and as shown in FIG. 5B, the transfer destination table includes a specific shop number, order number, bank NO, shop number, deposit type, account number. , The transfer destination field is present.
When the bank server 20 receives the remittance request signal, the bank server 20 refers to the transfer destination table to determine whether or not the store number stored in the specific store number field is present in the remittance request signal.
If the store number (here, 888) described in the specific store number is present in the remittance request signal, the bank No., store number, deposit type, and so forth listed in the destination rank 1 row described in the remittance destination table. Change the destination address to the account number (here: 1310-137-1-1234567) and execute remittance to the account. That is, a remittance request signal including the store number 888 is all understood as a remittance to 1310-137-1-1234567 automatically by reference to the transfer destination table.
However, the above process is a process performed only when the remittance request signal is received by the bank server 20, and the transfer is performed when the bank server 20 receives a signal requesting an account transfer to the bank account destination account including the store number 888. The destination table is not used, and payment processing is performed as per the destination account.

FIG. 6 is a sequence diagram showing the steps of accumulating the electronic currency in the point card.
It is assumed that the user U purchases 100,000 yen at the store A.
In step S1, the user U purchases a product at the store A and pays 100,000 yen by cash or credit card. At this time, the user U presents the point card X or the original point card to the store A.
In step S2, the store A transmits, to the point management server 40, information of the point card number “8855335” of the point card X of the user U and the amount “100,000 yen”.
In step S3, the point management server 40 calculates points based on the point grant rate (1% in this example). Specifically, 100,000 × 0.01 = 1000 points are calculated. The point grant rate is a rate to be multiplied by the amount of money for shopping.
In step S4, the point management server 40 transmits information on the point card number "8855335" and the number of points "1000p" to the main server 10 and requests conversion to electronic currency.
In step S5, the main server 10 converts points into electronic currency based on the conversion rate (95% in this example). Specifically, 1000 points are converted into 950 yen (1000 × 0.95 = 950).
In step S6, as shown in FIG. 7A, the main server 10 creates an electronic currency history for the point card number “8855335”. This electronic currency history indicates that the total electronic currency amount that can be used is 950 yen for the point card number "8855335". In addition, in the electronic currency history, there is also recorded information as to what store did you shop at.
In step S7, the main server 10 specifies the deposit / withdrawal ID corresponding to the point card number “8855335” with reference to the table of FIG. 4A, and sends the identified deposit / withdrawal ID to the point management server 40. It notifies and requests the point management server 40 to remit 1000 yen to the notified deposit and withdrawal ID as a destination.
In step S8, the point management server 40 remits 1000 yen to the bank management server 20 with the deposit / withdrawal ID as the destination. That is, the point management server 40 remits the bank management server 20 based on the information of the electronic currency.
In step S9, when the received remittance request has remittance information destined for the user having the specific store number (here, 888), the bank management server 20 changes the destination to the representative account "131-137-1-1234567". Remit 1000 yen to the representative account (add 1000 yen to the total e-currency of the representative account, and update the total e-currency total).
In step S10, the bank management server 20 notifies the settlement system management server 30 that there is a directed remittance addressed to the deposit / withdrawal ID "131-888-1-88553 35" and that the remittance has been deposited to the representative account. Do.
In step S11, the payment system management server 30 receives a notification from the bank management server 20 that the deposit / withdrawal ID “1310-888-1-8855335” has been received, and the payment ID “1234-5678-9012-3456”. Add ¥ 950 to the e-currency total amount and update the e-currency total amount. Since the total amount of electronic currency is initially 0 yen, the total amount of electronic currency is 950 yen. In this example, it is assumed that the payment system management server 30 has the table shown in FIG. 4 (a).
In step S12, the main server 10 calculates the amount of money (specifically, 1000 × 0.05 = 50 yen) calculated based on the rate (100-95 = 5% in this example) subtracted in the conversion rate as the representative account. The bank management server 20 is requested to transfer funds to the account for fee (account transfer). This fee account is, for example, an account owned by the administrator of the system 100, and the fee for using the system 100 is paid to the administrator as a fee. When the system 100 can be used free of charge, the conversion rate is 100%.
In step S13, the bank management server 20 transfers 50 yen from the representative account to the fee account (fund transfer), subtracts 50 yen from the balance of the representative account, and adds 50 yen to the balance of the fee account.
As described above, in the present invention, when the user U purchases 100,000 yen, the user U does not have 1000 points as points for 100,000 yen, but has 950 yen that can be used as an electronic currency.

After that, it is assumed that the user U purchases 300,000 yen at the store A. By the calculation (300,000 × 0.01 = 3000) of step S3 of FIG. 6 and the calculation (3000 × 0.95 = 2850) of step S5, the electronic currency history that the main server 10 has is shown in FIG. As a result, for the point card number “8855335”, the total amount of available electronic currency is ¥ 3800. The main server 10, the bank management server 20, and the settlement system management server 30 have the information on the usable total amount of electronic currency by the processes of steps S5 to S10 in FIG.

FIG. 8 is a sequence diagram showing an example of using the electronic currency stored in the point card, and the user U uses 800 yen using the electronic currency stored in the point card at the store A where the point is acquired. Suppose you are shopping for.
In step S1, the user U tries to make a payment at the store A with the electronic currency of 800 yen of the point card.
In step S2, the store A inquires of the settlement system management server 30 whether the payment of “800 yen” is possible by the total amount of electronic currency of the settlement ID “1234-5678-9012-3456”.
In step S3, the settlement system management server 30 determines that payment of "800 yen" is possible, and subtracts "800 yen" from the total amount of electronic currency "3800 yen".
In step S4, the payment system management server 30 transmits, to the store A, that payment of "800 yen" is possible. If the total amount of electronic currency is less than 800 yen, the settlement system management server 30 transmits, to the store A, that payment of “800 yen” is impossible.
In step S5, after receiving the notification that payment is possible from the payment system management server 30, the store A completes the payment processing and notifies the user U that the payment of 800 yen has been completed.
In step S6, the settlement system management server 30 transmits, to the main server 10, information indicating that "800 yen" has been subtracted from the total electronic currency amount "3800 yen" of the settlement ID "1234-5678-9012-3456". .
In step S7, the main server 10 updates the electronic currency history for the point card number “8855335”. Specifically, the electronic currency history possessed by the main server 10 is as shown in FIG. 7C, and the main server 10 subtracts "800 yen" from the total amount of electronic currency "3800 yen", and the electronic currency total The amount will be 3000 yen.
In step S8, the main server 10 specifies the deposit / withdrawal ID corresponding to the point card number “8855335” with reference to the table of FIG. Ask them to withdraw the yen.
In step S9, the bank management server 20 withdraws 800 yen from the representative account "131-137-1-1234567" (subtracts 800 yen from the total amount of electronic currency of the representative account). In this example, the withdrawal process is performed in real time, but the withdrawal process may be performed, for example, on the 15th and the end of every month.

Next, accumulation of additional benefits (electronic currency) when shopping for 800 yen using the electronic currency stored in the point card will be described. Conventionally, there is no provision of points when paying for shopping at points, but in the present invention, when shopping with a point card, a further electronic currency (a bonus electronic is used as a benefit for the consumed electronic currency) Currency) is accumulated.
In step S10, the store A transmits to the payment system management server 30 the amount "800 yen" when shopping using the payment ID and the electronic currency stored in the point card.
In step S11, the payment system management server 30 calculates the benefit based on the benefit giving rate (1% in this example). Specifically, an electronic currency of 800 × 0.01 = 8 yen is calculated. The awarding rate is a rate to be multiplied by the amount of money purchased using the electronic currency stored in the point card, and is different from the point awarding rate described above.
In step S12, the settlement system management server 30 transmits the settlement ID and the information of "8 yen" to the main server 10.
In step S13, the main server 10 calculates the benefit electronic currency on the basis of the benefit conversion rate (95% in this example) and the return shop discount rate (5% in this example). Specifically, 8 × (0.95 + 0.05) = 8 yen is calculated. The benefit conversion rate is a rate for calculating a benefit electronic currency (an electronic currency which is stored as a benefit with respect to the consumed electronic currency when shopping with the electronic currency stored in the point card) The preferential rate is a rate to be added to the benefit conversion rate when the electronic currency accumulated in the store A is used in the store A. That is, if the user U uses the electronic currency in the store A which has acquired the points, a higher privilege electronic currency can be obtained. As described above, the repurposing shop preferential rate changes depending on whether or not the electronic currency is used in the shop that has acquired points. In addition, when using an electronic currency other than the shop A which acquired the point, it mentions later using FIG.
In step S14, the main server 10 updates the electronic currency history for the point card number "8855335". Specifically, the electronic currency history possessed by the main server 10 is as shown in FIG. 7 (d), and the main server 10 adds "8 yen" to the total amount of electronic currency "3000 yen" to obtain the electronic currency The total amount will be 3008 yen.
In step S15, the main server 10 refers to the table in FIG. 4A to identify the deposit / withdrawal ID corresponding to the point card number “8855335”, and the bank management server 20 manages the system 100. Request a remittance of 8 yen from the account holder's account (for example, a fee account) with the deposit and withdrawal ID as the remittance destination. In this example, it is assumed that the bank management server 20 has a manager account.
In step S16, when the received remittance request has remittance information for a user having a specific store number (here, 888), the bank management server 20 changes the destination to a representative account "131-137-1-1234567". Remit 8 yen to the representative account (add 8 yen to the total e-currency of the representative account, and update the total e-currency total).
In step S17, the bank management server 20 notifies the settlement system management server 30 that there is a remittance to the U account and that the remittance is deposited to the representative account.
In step S18, the payment system management server 30 receives a notification from the bank management server 20 that the deposit / withdrawal ID “1310-888-1-8855335” has been received, and the payment ID “1234-5678-9012-3456”. 8 yen is added to the total amount of electronic currency of "", and the total amount of electronic currency is updated (3000 + 8 = 3008). In this example, it is assumed that the payment system management server 30 has the table shown in FIG. 4 (a).

FIG. 9 is a sequence diagram showing another example of the step of using the electronic currency stored in the point card, the electronic stored in the point card at the store B different from the store A where the user U has acquired the points Assume a case of shopping for 800 yen using a currency.
Steps S1 to S12 in FIG. 9 are the same as steps S1 to S12 in FIG. 8 described above except that the store A becomes the store B and the total amount of electronic currency, and therefore the description thereof is omitted.
In step S13, the main server 10 calculates the benefit electronic currency based on the benefit conversion rate (95% in this example) and the return shop discount rate (0% in this example). Specifically, 8 × (0.95 + 0) = 7.6 is calculated by rounding off the decimal part to 7 yen. In this example, since the electronic currency stored by converting the points acquired in the store A is used in the store B different from the store A, the repurposing store preferential rate is 0%.
Steps S14 to S18 in FIG. 9 are the same as steps S14 to S18 in FIG. 8 described above except for the amount of money, so the description will be omitted.
As a result, the electronic currency history possessed by the main server 10 is as shown in FIG. 7 (e), and the total electronic currency amount is 2215 yen.

In the present invention, it is possible to have the acquired points not as points but as electronic currency. Therefore, as described further below, it is possible to shop by cashing the accumulated electronic currency also in stores other than the point affiliated stores.
Also, conventionally, points are not accumulated when shopping for points, but in the present invention, even when shopping for points, they are accumulated as benefits as electronic currency. At that time, since the reward electronic currency is also calculated based on the revisit store discount rate, it is possible to attract the user to use the electronic currency in the store that has acquired points. That is, since the user can obtain high benefit electronic currency when using the electronic currency in the store that has acquired the points, the user is more likely to use the electronic currency in the store that has acquired the points.

FIG. 10 is a sequence diagram showing another example of the step of using the electronic currency stored in the point card, and it is assumed that the user U cashes the stored electronic currency.
In step S1, the user U requests the settlement system management server 30 to make a cash of 800 yen using a terminal such as a smartphone, a personal computer, or a tablet. At this time, the user U transmits at least one of the point card number, the deposit / withdrawal ID, and the payment ID to the payment system management server 30. In this example, it is assumed that a point card number is transmitted.
In step S2, the settlement system management server 30 confirms, on the main server 10, the deposit and withdrawal ID of the user U and the cash conversion reduction rate. Specifically, the settlement system management server 30 transmits a point card number to the main server 10 in order to inquire the user U's deposit / withdrawal ID.
In step S3, the main server 10 refers to the table shown in FIG. 4A, identifies the deposit / withdrawal ID corresponding to the point card number “8855335”, and settles the deposit / withdrawal ID and the cash conversion reduction rate as a payment system It transmits to the management server 30.
When the user U transmits the deposit / withdrawal ID to the payment system management server 30 in step S1, the inquiry and transmission of the deposit / withdrawal ID in steps S2 and S3 are unnecessary. However, it is assumed that the deposit / withdrawal ID transmitted by the user U is correct (in practice, the deposit / withdrawal ID transmitted by the user U is not necessarily correct, but in the present invention, the description is simplified. (Assuming that all information sent and received is correct).
In step S4, the settlement system management server 30 calculates the withdrawal amount (fund transfer (account transfer) amount) based on the cash conversion reduction rate. Specifically, the cash conversion reduction rate is 10%, and 800 yen × (100% −10%) = 720 yen is obtained. The cash conversion reduction rate is a rate to be subtracted when converting an electronic currency to cash. In the point card X member store, the electronic currency stored on the point card can be used as an electronic currency. On the other hand, at stores other than the point card X member stores, the electronic currency stored on the point card can be converted to cash and used. However, when converted to cash, it is not possible to attract customers to a point card X member store, so a cash conversion reduction rate has been introduced to deduct that amount.
In step S5, the settlement system management server 30 requests the bank management server 20 to transfer funds (account transfer). Specifically, while transferring funds of 720 yen to U account from representative account "131-137-1-1234567", fund of 80 yen to account for fee from representative account "131-137-1-1234567" Request to make a transfer.
In step S6, the bank management server 20 transfers a ¥ 720 fund to the U account from the representative account “1310-137-1-1234567”.
Here, 800 yen is subtracted from the balance (total amount of electronic money) of the representative account "131-137-1-1234567", and 720 yen is added to the balance of the U account.
In step S7, the bank 20 transfers 80 yen to the fee account from the representative account "131-137-1-1234567" to the bank management server.
In step S8, the payment system management server 30 transmits, to the main server 10, the information that “800 yen” is subtracted from the total electronic currency amount “2215 yen” of the deposit / withdrawal ID “1310-888-1-8855335”. Do.
In step S9, the main server 10 updates the electronic currency history for the point card number “8855335”. Specifically, the electronic currency history possessed by the main server 10 is as shown in FIG. 7 (f), and the main server 10 subtracts "800 yen" from the total amount of electronic currency "2215 yen" to total electronic currency The amount will be 1415 yen.
In step S10, the bank management server 20 transmits, to the settlement system management server 30, a notification that the instruction has been completed.
In step S11, the settlement system management server 30 notifies the terminal of the user U that the cash withdrawal of 720 yen is possible.
In step S12, the user U requests the bank management server 20 to withdraw ¥ 720 through the ATM or the like. In addition, since the balance of U account is 720 yen, it is possible to withdraw within 720 yen.
In step S13, the bank management server 20 withdraws 720 yen to the user U via an ATM or the like.

Hereinafter, other embodiments of the present invention will be described.
(Other embodiment 1)
The point management server can have an electronic currency awarding timing table shown in Tables 2 to 4.
In the embodiment described above, since the point management server 40 has the electronic currency awarding timing table shown in Table 2 and “always electronic currency awarding request: ON”, as described in FIG. When you shop for 10,000 yen, points worth 100,000 yen are always converted to 950 yen, which can be used as an electronic currency.

When the point management server 40 has the electronic currency giving timing table shown in Table 3, “always giving point hope: ON”, so when the user U purchases 100,000 yen, the points for 100,000 yen are always points As 1000 points.

When the point management server 40 has the electronic currency granting timing table shown in Table 4, “Selected granting preference: ON” is set, so each time the user U makes a shopping for ¥ 100,000, it pays for ¥ 100,000 each time It is possible to select whether to have 1000 points as points or 950 yen available as an electronic currency.

As described above, the point management server 40 has the electronic currency granting timing table, so that the user who wants to use the point as it is conventionally also corresponds to the user who wants to convert it to the electronic currency and use it. Can gain a wide range of users.

(Other embodiment 2)
In addition, the return shop discount rate can be determined not only in the same store but also in consideration of the same company or not. In this case, the next-store discounting rate is represented by the sum of the same store discounting rate and the same business discounting rate, and is as follows.
In-store discount rate (5%) = same-store discount rate (2.5%) + same-company discount rate (2.5%)
For example, it is assumed that electronic money is stored by shopping at the store A of the ABC company.
When electronic currency is used in store A, the same store discount rate (2.5%) + same company discount rate (2.5%) = 5% because the store return rate is the same for the store and the company. . This is the case of FIG. 8 described above.
When an electronic currency is used in store C of ABC company, the store is different but the company is the same, so the next store discount rate is the same store discount rate (0%) + the same company discount rate (2.5%) = 2 .5%.
When the electronic currency is used in the store B which is not an ABC company, since the store and the company are different, the next-coming store preferential rate is the same store preferential rate (0%) + the same corporate preferential rate (0%) = 0%. This is the case of FIG. 9 described above.

The present invention is not limited to the embodiments described above, and various modifications can be considered.
For example, in FIG. 1, the servers (10, 20, 30, 40) are connected to one another via a dedicated line, but may be connected via another line such as an internet line. Also, although the servers (10, 20, 30, 40) are described as separate pieces of hardware in FIG. 1, two or more servers may be the same piece of hardware. For example, the bank management server 20 and the settlement system management server 30 can be configured by one hardware, or the main server 10, the bank management server 20, the settlement system management server 30, and the point management server 40 , Can also be configured with one hardware. All combinations are possible for the four servers (10, 20, 30, 40).
In the present invention, it is assumed that the information (ID and amount of money) transmitted and received between each server and between each server and the user U is correct information.
In addition, point grant rate (1%), conversion rate (95%), benefit grant rate (1%), benefit conversion rate (95%), return shop preferential rate (5%), and cash conversion reduction rate (10%) The numerical value of) is an example, and any numerical value can be used.

Claims

A point conversion system for converting points stored in a point card into an electronic currency and cashing the points via the electronic currency,
The system comprises a main server, a bank management server, a payment system management server, and a point management server.
The point management server calculates a user's point based on the point grant rate, and transmits the calculated point information to the main server.
The main server converts the points into electronic currency based on a conversion rate, and transmits information of the electronic currency to the point management server.
The point management server remits the bank management server based on the information of the electronic currency,
The bank management server updates an electronic currency total amount of a representative account to which electronic money accumulated by all users is temporarily deposited, based on the information of the electronic currency.
The bank management server notifies the payment system management server of the information of the electronic currency,
The settlement system management server updates the total amount of electronic currency usable by the user based on the information of the electronic currency.
system.
When using the electronic currency converted from the points stored on the point card,
The settlement system management server calculates a benefit based on the benefit assignment rate, and transmits the calculated benefit information to the main server.
The main server calculates a benefit electronic currency from the calculated benefit information based on the benefit conversion rate and the revisit store preferential rate, and transmits the benefit electronic currency information to the bank management server.
The above-mentioned shop return discount rate changes depending on whether the electronic currency is used at the store where points are accumulated,
The bank management server updates an electronic currency total amount of the representative account based on the information of the privilege electronic currency.
The bank management server notifies the payment system management server of the information of the electronic currency,
The settlement system management server updates the total amount of electronic currency usable by the user based on the information of the privilege electronic currency.
The system of claim 1.
A point conversion system for converting points stored in a point card into an electronic currency and cashing the points via the electronic currency,
The system comprises a main server, a bank management server, a payment system management server, and a point management server.
The point management server calculates the user's point based on the point grant rate, and transmits the calculated point information and the user's point card number to the main server.
The main server converts the points to electronic currency based on a conversion rate, and transmits information on the electronic currency and a deposit / withdrawal ID corresponding to the point card number to the point management server.
The point management server remits the bank management server based on the information of the electronic currency, using the deposit and withdrawal ID as a destination.
The bank management server specifies a representative account corresponding to the deposit and withdrawal ID, and based on the information on the remittance, the total amount of electronic currency of the representative account to which electronic money accumulated by all users is once deposited Update
The bank management server notifies the payment system management server of the information on the remittance and the deposit / withdrawal ID.
The settlement system management server specifies a settlement ID corresponding to the deposit and withdrawal ID, and updates the total amount of electronic currency usable by the user associated with the settlement ID based on the information on the remittance.
system.
When using the electronic currency converted from the points stored on the point card,
The settlement system management server calculates a privilege based on a privilege giving rate, and transmits calculated privilege information and the settlement ID to the main server,
The main server calculates the privilege electronic currency from the information on the benefit calculated based on the benefit conversion rate and the return discount rate, identifies the deposit / withdrawal ID corresponding to the settlement ID, and sends it to the bank management server. Then, a remittance request is made based on the information on the benefit electronic currency and the deposit / withdrawal ID with the deposit / withdrawal ID as a destination.
The above-mentioned shop return discount rate changes depending on whether the electronic currency is used at the store where points are accumulated,
The bank management server specifies a representative account corresponding to the deposit and withdrawal ID, and updates the total amount of electronic money of the representative account based on the information of the remittance request.
The bank management server notifies the payment system management server of the information on the remittance and the deposit / withdrawal ID.
The settlement system management server specifies a settlement ID corresponding to the deposit and withdrawal ID, and updates the total amount of electronic currency usable by the user associated with the settlement ID based on the information on the remittance.
The system of claim 3.
When cashing the electronic currency converted from the points stored on the point card,
The settlement system management server calculates the amount of money transfer based on the cash conversion reduction rate,
The bank management server transfers the calculated transfer amount of money from the representative account to an account for lending to the user.
The system according to any one of claims 1 to 4.
At least two of the main server, the bank management server, the payment system management server, and the point management server are configured by one piece of hardware.
The system according to any one of claims 1 to 5.