JP2019008716A - Point settlement device - Google Patents

Abstract

To provide a point settlement device for efficiently using possessed points.SOLUTION: When a point management server 30 receives an instruction of the permission of point consumption information from a personal terminal 10 of a corresponding member 10A, a point settlement execution part 35 performs point settlement of a charge amount based on the point consumption information. The point settlement execution part 35 calculates a charge balance after an electronic money charge obtained by summing the charge amount subjected to the point settlement and the charge balance of the corresponding member 10A. The point settlement execution part 35 outputs point settlement completion information including information on the charge balance subjected to the calculated electronic money charge to the personal terminal 10 of the corresponding member 10A. The personal terminal 10 of the corresponding member 10A updates the charge balance stored in an information storage part to the charge balance subjected to the electronic money charge on the basis of the point settlement completion information.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a point settlement apparatus.

  In recent years, so-called point services are becoming widespread. In the point service, a predetermined percentage of the purchase price is given as a point to members of the point service when purchasing a product. The granted points will be used for all or part of the purchase price at the time of settlement at the next and subsequent purchases.

  For example, Patent Document 1 discloses a point management system or the like that reduces the introduction cost required for the common point service on the member store side.

  Specifically, the point management system includes a member store client terminal, a member store processing server connected to the member store client terminal via a network, a member portable terminal, a member processing server connected to the member portable terminal via a network, A point settlement server connected to the member store processing server and the member processing server via a network, and a database device connected to the member store processing server, the member processing server and the point settlement server and storing data necessary for the member point settlement processing. Has been.

  When the point transaction content is received from the member store client terminal, the point settlement server issues a matching identifier for each point transaction. In addition, the point settlement server creates first verification information that is stored in the database device, including a verification identifier, and second verification information that is transmitted to the member store server, including the verification identifier. A transaction data generation unit that performs second verification information that is returned from the member processing server to the point settlement server via the member store processing server, the member store client server, and the member portable terminal. A collation unit that collates an identifier for collation of the information for use with an identifier for collation of the first collation information, and a collation unit for collating the first collation information and the second collation information A point settlement unit that performs point settlement when the matching identifiers match.

JP 2012-168611 A

  Members of the point service can use the granted points only at member stores that provide the same point service. However, some points have an expiration date set, and when the expiration date elapses, the retained points expire. Also, if you become a member of multiple point services, the type of points you have increases, so there is a high possibility that points will expire without being used.

  Therefore, an object of the present invention is to provide a point settlement apparatus that can efficiently use points held by a member of a point service.

  Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.

  The point settlement apparatus includes a personal terminal that is owned by a member of the point service and performs electronic money settlement, and a point management server that manages a plurality of types of points owned by the member and a charge balance of electronic money for each member. Yes. The personal terminal has an information storage unit that stores a charge balance of electronic money, and the point management server has a member page for each member and a point settlement execution unit. When the electronic terminal is charged with electronic money, the personal terminal outputs member information for specifying a member and charge amount information for specifying a charge amount to the point management server.

  The point settlement execution unit generates holding point information that lists the point balance of points held by the corresponding member based on the entered member information, and responds based on the generated holding point information and charge amount information Point consumption corresponding to the amount of charge to be calculated is calculated, point consumption information related to the calculated point consumption is displayed on the member page of the corresponding member, and access information for accessing the member page of the corresponding member is generated The generated access information is output to the corresponding member's personal terminal. When the corresponding member's personal terminal acquires the access information, the corresponding member's personal page is accessed based on the acquired access information, and the generated point consumption information is acquired.

  Upon receiving the point consumption information permission instruction from the corresponding member's personal terminal, the point settlement execution unit performs point settlement of the charge amount based on the point consumption information, and the settled charge amount and the corresponding member charge A charge balance after the electronic money charge is calculated by adding the balance, and point settlement completion information including information on the calculated charge balance after the electronic money charge is output to the personal terminal of the corresponding member. The corresponding member's personal terminal updates the charge balance stored in the information storage unit to the charge balance after the electronic money charge based on the point settlement completion information.

  According to a typical embodiment of the present invention, it is possible to provide a point settlement apparatus that can efficiently use points held by a member of a point service.

It is a block diagram which shows an example of a structure of the point payment apparatus which concerns on Embodiment 1 of this invention. It is a figure which shows an example of the outline | summary of the point payment based on Embodiment 1 of this invention. It is a figure which shows an example of a structure of point consumption information. It is a figure which shows an example of the personal terminal on which point consumption information was displayed. It is a figure which shows an example of the personal terminal in which the consumption point selection screen was displayed. It is a figure which shows an example of the outline | summary of the electronic money payment which concerns on Embodiment 1 of this invention. It is a figure which shows an example of the method of encrypting information. It is a block diagram which shows an example of a structure of the point payment apparatus which concerns on Embodiment 2 of this invention. It is a figure which shows an example of the outline | summary of the point payment based on Embodiment 2 of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted.

(Embodiment 1)
<Configuration of point settlement device>
FIG. 1 is a block diagram showing an example of the configuration of the point settlement apparatus according to Embodiment 1 of the present invention. For example, as shown in FIG. 1, the point settlement apparatus 1 includes a personal terminal 10, a point management server 30, a network 40, and the like.

  The personal terminal 10 is a terminal owned by a member of the point service. Each member can use the point service by using the personal terminal 10 owned by the member, and can perform electronic money settlement using the point service by the personal terminal 10. The personal terminal 10 includes various devices that can be connected to the network 40 such as a smartphone, a mobile phone, or a so-called tablet terminal.

  As shown in FIG. 1, the personal terminal 10 includes, for example, an imaging unit 11, a display unit 13, a network communication unit 15, an information storage unit 17, a security management unit (first security management unit) 18, and a short-range wireless communication unit. (First near field communication unit) 19 and the like. The imaging unit 11 is a camera configured with a lens or the like, and images a landscape or a person.

  The display unit 13 is configured by, for example, a liquid crystal panel or an organic EL (Electroluminescence) panel. The display unit 13 displays, for example, images for calling various functions of the personal terminal 10 and various images for applications such as a point service (point settlement or the like). For example, the display unit 13 displays various information such as member information for identifying a member of the point service, access information described later, and point consumption information described later during execution of the point service application.

  The personal terminal 10 may be provided with one or a plurality of operation buttons separately from the display unit 13. When the display unit 13 has a touch panel function, these buttons may be displayed on the display unit 13 as necessary.

  The network communication unit 15 is connected to the network 40 by wire or wireless. As a result, the personal terminal 10 is connected to the network 40 via the network communication unit 15. The personal terminal 10 is connected to the point management server 30 and the like via the network 40 and inputs / outputs various information to / from the point management server 30.

  The security management unit 18 encrypts and decrypts various information. For example, when the encrypted information output from the point management server 30 is input, the security management unit 18 decrypts the encrypted information. Thereby, the security management unit 18 restores the original information based on the encrypted information. Further, the security management unit 18 encrypts various information generated inside the personal terminal 10, for example. The encrypted information is output to the point management server 30 via the network communication unit 15, for example. Details of encryption and decryption will be described later.

  The information storage unit 17 is composed of, for example, a nonvolatile memory or a volatile memory. The information storage unit 17 stores, for example, various pieces of information such as member information for specifying a member of the point service and a charge balance of electronic money described later.

  The short-range wireless communication unit (first short-range wireless communication unit) 19 inputs / outputs various information to / from other devices through short-range wireless communication. Short-range wireless communication is wireless communication performed at a short distance of 1 m or less, for example. For short-range wireless communication, for example, an international standard such as NFC (Near Field Communication) is used. Electronic money settlement related to purchase prices at stores, fares at transportation, etc. is performed via short-range wireless communication.

  The point management server 30 manages the charge balance of a plurality of types of points and electronic money held by members of the point service for each member. As shown in FIG. 1, the point management server 30 includes a plurality of member pages 31, a point settlement execution unit 35, a network communication unit 37, a security management unit (second security management unit) 38, a storage 39, and the like. .

  The member page 31 is provided for each member. Therefore, the point management server 30 is provided with a plurality of member pages 31 according to the number of members. Each member page 31 displays member information for identifying the corresponding member, multiple types of points held by the corresponding member, and the like. In addition, when the expiration date is provided for the point, the member page 31 also displays information regarding the expiration date of the point for each type.

  In addition, each member page 31 displays various information such as retained point information that lists the point balance and the expiration date of points of the corresponding member, for example. Each member page 31 displays a notification or the like output from the point settlement execution unit 35. Each member page 31 stores information on electronic money settlement of the corresponding member, information on electronic money charge, information such as a charge balance.

  The point settlement execution unit 35 performs point settlement for electronic money charge based on the points held by the member. For example, the point settlement execution unit 35 calculates the point consumption corresponding to the charge amount from the points held by the member based on the member information and charge amount information output from the personal terminal 10, and calculates the calculated point consumption. Generate point consumption information about quantity.

  When receiving a point consumption information permission instruction from the personal terminal 10 of the corresponding member, the point settlement execution unit 35 performs point settlement of the charge amount based on the point consumption information. Further, the point settlement execution unit 35 calculates a charge balance after the electronic money charge obtained by adding the charge amount of the point settlement and the charge balance of the corresponding member, and information on the calculated charge balance after the electronic money charge Is output to the corresponding member's personal terminal 10.

  The network communication unit 37 is connected to the network 40 by wire or wireless. As a result, the point management server 30 is connected to the network 40 via the network communication unit 37. The point management server 30 is connected to the personal terminal 10 via the network 40 and inputs / outputs various information to / from the personal terminal 10.

  The security management unit 38 encrypts and decrypts various information. For example, when the encrypted information output from the personal terminal 10 is input, the security management unit 38 decrypts the encrypted information. As a result, the security management unit 38 restores the original information based on the encrypted information. Further, the security management unit 38 encrypts various information generated inside the point management server 30, for example. The encrypted information is output to the personal terminal 10, for example. Details of encryption and decryption will be described later.

  The storage 39 stores various information related to each member. For example, the storage 39 stores member information for identifying each member, a plurality of types of points held by the corresponding member, and the like. In addition, the storage 39 stores various information such as information regarding the expiration date of points, retained point information listing the point balance and the expiration date of points for each member. In addition, the storage 39 stores the contents of notifications to the members.

  The storage 39 also stores detailed information related to point settlement. When the point settlement is executed, the storage 39 stores various information such as member information, the time when the point settlement is executed, the type and number of points consumed, the charge amount, and the charge balance after the electronic money charge. Store. In addition, the storage 39 stores various information such as purchased products, places of transportation used (stations, bus stops, etc.), fares, and charge balance after electronic money settlement when electronic money settlement is executed. To do. In addition, when point settlement is not executed, for example, time when point settlement is attempted, member information, reason why point settlement is not executed (for example, lack of point balance, refusal of point settlement by member), etc. Stores various information.

<Processing for point settlement>
Next, an outline of point settlement in the present embodiment will be described. FIG. 2 is a diagram showing an example of an outline of point settlement according to Embodiment 1 of the present invention. FIG. 2 shows an outline of point settlement among the member 10 </ b> A, the personal terminal 10, and the point management server 30. Here, an outline of point settlement will be described by taking an example of performing electronic money charging.

<< Step S10 >>
The member 10A applies to the point management server 30 for an electronic money charge application through point settlement. At this time, the member 10A, for example, activates an application for point service on the personal terminal 10, and logs in to the point service through processing such as member authentication.

  When the member 10A logs in to the point service, for example, the member 10A operates a menu screen of the application and inputs a desired charge amount. The personal terminal 10 outputs various information such as member information for specifying a member and charge amount information for specifying a charge amount to the point management server 30 via the network 40.

<< Step S30 >>
Based on the input member information, the point settlement execution unit 35 generates possessed point information in a point balance list of points possessed by the corresponding member 10A. The point settlement execution unit 35 selects the type of points to be consumed based on the generated retained point information and charge amount information. For example, the point settlement execution unit 35 refers to the possessed point information of the member 10A and generates point consumption information that consumes the point with the earliest expiration date. The point settlement execution unit 35 calculates a point consumption amount corresponding to the charge amount including the selected point.

  At this time, when the balance of the point with the earliest expiration date selected is less than the point consumption corresponding to the charge amount, the point settlement execution unit 35 selects the next point with the earliest expiration date, and at the selected point The point consumption corresponding to the insufficient charge amount is calculated. And the point payment execution part 35 produces | generates the point consumption information which listed the information regarding the calculated point consumption.

  FIG. 3 is a diagram illustrating an example of the configuration of point consumption information. As shown in FIG. 3, the point consumption information 31A includes, for example, a point type and a point consumption amount. When a plurality of types of points are selected, the point consumption information 31A indicates the type of each point and the point consumption amount in association with each other. Further, the point consumption information 31A may include the expiration date of each point as shown in FIG. The point settlement execution unit 35 outputs the generated point consumption information 31A to the member page 31 of the member 10A and displays it.

<< Step S40 >>
Further, the point settlement execution unit 35 generates access information for accessing the member page 31 of the member 10A. For example, the point settlement execution unit 35 generates access information composed of a one-dimensional code or a two-dimensional code such as a QR code (registered trademark). The point settlement execution unit 35 outputs the generated access information to the corresponding personal terminal 10 of the member 10A. Note that the point settlement execution unit 35 may perform processing (S40) related to generation and output of access information in parallel with the output processing (S30) of the generated point consumption information.

<< Steps S70 to S80 >>
When the personal terminal 10 acquires the access information, the member 10A operates the personal terminal 10 and accesses the member page 31 of the member 10A based on the acquired access information (S70). Then, the personal terminal 10 of the member 10A acquires the point consumption information 31A generated by the point settlement execution unit 35 from the member page 31 of the member 10A (S80). The personal terminal 10 of the member 10A displays the acquired point consumption information 31A on the display unit 13.

  FIG. 4 is a diagram illustrating an example of a personal terminal on which point consumption information is displayed. For example, when the point consumption information 31A is displayed, the display unit 13 displays selection buttons 13A and 13B for selecting whether to permit the content of the point consumption information 31A in addition to the point consumption information 31A. . For example, the selection button 13A is a button that is pressed (tapped) when the content of the point consumption information 31A is permitted, and the selection button 13B is pressed (tap) when the content of the point consumption information 31A is rejected. Button.

<< Step S90 >>
The member 10A confirms the content of the point consumption information 31A displayed on the personal terminal 10 of the member 10A. Then, the member 10A presses (tap) the selection button 13A shown in FIG. 4 when permitting the contents of the point consumption information 31A. Thereby, the personal terminal 10 outputs a point consumption information permission signal instructing permission of the contents of the point consumption information 31 </ b> A to the point management server 30.

<< Step S100 >>
When the point consumption information permission signal is received, the point settlement execution unit 35 performs point settlement of the charge amount based on the point consumption information 31A. When the point settlement is performed, the point settlement execution unit 35 calculates a charge balance after the electronic money charge, which is the sum of the charge amount for which the point settlement has been performed and the charge balance of the corresponding member 10A. In addition, the point settlement execution unit 35 outputs point settlement completion information including information regarding the calculated charge balance after electronic money charging to the personal terminal 10 of the corresponding member 10A.

<< Step S120 >>
When the point settlement is executed, the storage 39 displays various information such as member information, the time when the point settlement is executed, the type and number of points consumed, the charge amount, the charge balance after the electronic money charge, and the like. Store. As a result, a point settlement history is left in the point management server 30.

  When the point payment completion information is received, the corresponding personal terminal 10 of the member 10A updates the charge balance stored in the information storage unit 17 to the charge balance after the electronic money charge based on the point payment completion information. In this way, electronic money charge processing using the point service is performed.

<< Processing when point consumption information is rejected >>
In step S90, when the member 10A rejects the content of the point consumption information 31A, the member 10A presses (tap) the selection button 13B shown in FIG. Thereby, the personal terminal 10 outputs a point consumption information rejection signal instructing rejection of the point consumption information 31 </ b> A to the point management server 30.

  When the point consumption information rejection signal is received, the point settlement execution unit 35 causes the corresponding member 10A to select the points to be consumed. For example, the point settlement execution unit 35 generates consumption point selection screen data for displaying a consumption point selection screen on the personal terminal 10 of the corresponding member 10A based on the generated possessed point information. The point settlement execution unit 35 outputs the generated consumption point selection screen data to the member page 31 of the corresponding member 10A.

  In addition, the point settlement execution unit 35 outputs the access information data described in step S40 to the personal terminal 10 of the corresponding member 10A, for example. The corresponding personal terminal 10 of the member 10A accesses the member page 31 of the member 10A by, for example, the method described in step S70, and acquires consumption point selection screen data. Then, the personal terminal 10 of the member 10A displays a consumption point selection screen on the display unit 13 based on the acquired consumption point selection screen data. FIG. 5 is a diagram illustrating an example of a personal terminal on which a consumption point selection screen is displayed. As shown in FIG. 5, on the consumption point selection screen 14, the type of points held by the corresponding member 10A, the point balance, and the expiration date of the points are displayed in association with each other. In addition, as shown in FIG. 5, the consumption point selection screen 14 is provided with a plurality of selection buttons 14A corresponding to each type of point and a confirmation button 14B for confirming the selected content.

  The member 10A refers to the consumption point selection screen 14 displayed on his / her own personal terminal 10, and selects the type of points to be consumed by pressing (tapping) the selection button 14A. Although not shown in FIG. 5, the consumption point selection screen 14 may be provided with a point consumption input column for inputting the number of points to be consumed for each type of selected points.

  When the type of points to be consumed is selected or the point consumption amount for each type is input, the member 10A presses (tap) the confirm button 14B. Thereby, the personal terminal 10 of the member 10 </ b> A outputs the information regarding the type of the selected point or the information regarding the input point consumption to the point management server 30.

  The point settlement execution unit 35 generates new point consumption information based on the selected point type information or the input point consumption information and displays the new point consumption information on the corresponding member 10A member page. Thereafter, the processing described in steps S40 to S80 is performed. When the generated point consumption information is approved, the processing described in steps S90 to S120 is performed.

<Processing related to electronic money settlement>
Next, processing related to electronic money settlement will be described. FIG. 6 is a diagram showing an example of an outline of the electronic money settlement according to the first embodiment of the present invention. FIG. 6 shows an outline of electronic money settlement among the member 10A, the personal terminal 10, the electronic money settlement terminal 50, and the point management server 30.

  The electronic money settlement terminal 50 is provided in, for example, a store or a transportation facility (for example, a ticket gate of a station, a gate of a vehicle). The electronic money payment terminal 50 provided in the store may be integrated with, for example, a cash register, POS (Point Of Sales), or the like. As shown in FIG. 6, the electronic money payment terminal 50 includes a short-range wireless communication unit 59. Between the personal terminal 10 and the electronic money settlement terminal 50, various information related to electronic money settlement is input / output by short-range wireless communication.

<< Step S210 >>
For example, when purchasing a product, the member 10A brings his / her personal terminal 10 closer to (touches) the electronic money settlement terminal 50 installed in the store. Then, various information such as member information and charge balance is output from the personal terminal 10 via the short-range wireless communication unit 19. Various types of output information are input to the electronic money payment terminal 50 via the short-range wireless communication unit 59.

  The electronic money settlement terminal 50 compares the purchase amount with the charge balance. If the charge balance is equal to or greater than the purchase amount, the electronic money settlement terminal 50 performs electronic money settlement for the purchase amount and withdraws electronic money for the settlement amount (purchase amount). Do. When electronic money settlement is performed, the electronic money settlement terminal 50 outputs settlement completion information including various information such as a settlement amount, purchased products, and settlement time.

  If the charge balance is less than the purchase amount, electronic money settlement may be executed after electronic money is charged by the processing of steps S10 to S120.

  On the other hand, for example, when entering a transportation facility, the member 10A brings his / her personal terminal 10 closer to (touches) the electronic money settlement terminal 50 provided at the ticket gate. At this time, various information such as member information and charge balance is output from the personal terminal 10. For example, the electronic money payment terminal 50 outputs entry record information including information specifying a boarding station and a ticket gate used, and various information such as an entry time, and permits entry of the member 10A. The personal terminal 10 stores the input entrance record information in, for example, the information storage unit 17.

  At the time of entry, the electronic money settlement terminal 50 may compare the initial fare of the transportation facility to be used and the charge balance, and permit the member 10A to enter if the charge balance is equal to or greater than the initial fare. .

  Next, when participating from a transportation facility, the member 10A brings the personal terminal 10 closer to the electronic money settlement terminal 50 provided at the ticket gate of the disembarking station (touches it) again. At this time, various information such as member information, charge balance, participation record information, and the like are output from the personal terminal 10. The electronic money payment terminal 50 at the disembarking station specifies the station on which the member 10A has boarded based on the entry record information, and calculates the fare from the boarding station to the disembarking station.

  Then, the electronic money settlement terminal 50 at the disembarking station compares the fare and the charge balance. If the charge balance is equal to or more than the fare, the electronic money settlement is performed for the fare, and the electronic money for the settlement amount (fare) is withdrawn. I do. When the electronic money settlement terminal 50 at the disembarking station performs the electronic money settlement, the settlement includes various information such as a settlement amount, usage section (boarding station or exit station), information for identifying a ticket gate, and settlement time (participation time). Completion information (participation record information) is output.

  When the charge balance is less than the fare, the electronic money settlement terminal 50 at the disembarking station notifies the member 10A that electronic money cannot be executed, and requests that electronic money be charged. When the electronic money charge is executed, the electronic money settlement terminal 50 at the getting-off station performs the electronic money settlement for the fare.

<< Step S220 >>
When the payment completion information is input, the corresponding personal terminal 10 of the member 10A subtracts the payment amount in the electronic money payment from the charge balance, and calculates the charge balance after the electronic money payment. The personal terminal 10 updates the charge balance stored in the information storage unit 17 to the calculated charge balance after electronic money settlement. Further, the personal terminal 10 outputs, for example, electronic money settlement information including information on the calculated charge balance after electronic money settlement, settlement completion information, and the like to the point management server 30.

<< Step S230 >>
Based on the input electronic money payment information, the point management server 30 updates the charge balance of the corresponding member 10A stored in the storage 39 to the charge balance after the electronic money payment. Further, the point management server 30 outputs various information related to electronic money payment to the member page 31 of the corresponding member 10A based on the electronic money payment information, and displays it.

<< Step S240 >>
Further, when the charge balance becomes smaller than a predetermined amount, the point management server 30 outputs charge request information for requesting execution of electronic money charge to the corresponding personal terminal 10 of the member 10A. When the charge request information is input, the member 10A operates the personal terminal 10 to select whether to perform electronic money charging. At this time, if execution of the electronic money charge is selected, the processes of steps S10 to S120 are performed.

<Configuration of various information>
Up to this point, the processing related to point settlement (steps S10 to S120) and the processing related to electronic money settlement (steps S210 to S240) have been described. Various information generated and input / output in each step is, for example, 1 It consists of a two-dimensional code such as a dimensional code or QR code (registered trademark). In the present embodiment, various encrypted information is input / output between the personal terminal 10 and the point management server 30.

  For example, when the point settlement is performed, the security management unit 38 encrypts information regarding the charge balance after the point settlement. The point management server 30 outputs the information related to the encrypted charge balance after the electronic money charge to the personal terminal 10 of the corresponding member 10A.

  When the encrypted information related to the charge balance after the electronic money charge is input to the personal terminal 10, the corresponding security management unit 18 decrypts the information related to the encrypted charge balance after the electronic money charge. Also, the personal terminal 10 updates the charge balance stored in the information storage unit 17 to the charge balance after electronic money charge based on the decrypted information regarding the charge balance after electronic money charge.

  On the other hand, when the electronic money payment is performed, the security management unit 18 of the personal terminal 10 of the corresponding member 10A encrypts the electronic money payment information including information on the charge balance after the electronic money payment. The personal terminal 10 outputs the encrypted electronic money payment information to the point management server 30.

  When the encrypted electronic money payment information is input to the point management server 30, the security management unit 38 decrypts the encrypted electronic money payment information. The point management server 30 updates the charge balance of the corresponding member 10A to the charge balance after the electronic money settlement based on the decrypted electronic money settlement information.

  In addition to these, for example, various information such as an access code may be encrypted / decrypted.

<< Method of encryption / decryption >>
Next, an encryption method will be described. FIG. 7 is a diagram illustrating an example of a method for encrypting information. FIG. 7 shows a method for encrypting information composed of a two-dimensional code. FIG. 7A shows information 61 composed of a two-dimensional code.

  As shown in FIG. 7B, the security managers 18 and 38 decompose the information 61 composed of the two-dimensional code into a plurality of portions 61a to 61e. The security management units 18 and 38 may divide the two-dimensional code into arbitrary regions and decompose the two-dimensional code into a plurality of portions 61a to 61e. For example, for each component such as a finder pattern and an alignment pattern In addition, the two-dimensional code may be decomposed.

  In FIG. 7B, the specific configuration of the information 61 is omitted so that the decomposed portions 61a to 61e can be easily understood. And the security management parts 18 and 38 encrypt various information regarding a charge balance etc. by digitizing each part 61a-61e decomposed | disassembled.

  Next, a decoding method will be described. The security managers 18 and 38 convert the digitized portions 61a to 61e into the original portions 61a to 61e. Then, the security managers 18 and 38 decrypt the various information related to the encrypted charge balance and the like by combining the converted portions 61a to 61e and restoring the original two-dimensional code.

  Thus, when input / output of encrypted information is performed, the point management server 30 also functions as a so-called token server.

<Effects of this embodiment>
According to the present embodiment, point settlement corresponding to the charge amount is performed. According to this configuration, since the amount corresponding to the point consumption can be charged as electronic money, the points held by the point service member 10A can be efficiently consumed.

  Further, according to the present embodiment, various encrypted information is input / output between the personal terminal 10 and the point management server 30. Further, the personal terminal 10 and the point management server 30 decrypt the various encrypted information when the various encrypted information is input.

  For example, the information 61 relating to the charge balance is composed of a two-dimensional code, and the security managers 18 and 38 break down the two-dimensional code into a plurality of portions 61a to 61e, and numerically represent the divided portions 61a to 61e. Information 61 relating to the charge balance and the like is encrypted. Also, the personal terminal 10 and the point management server 30 convert the respective digitized portions 61a to 61e into the original portions 61a to 61e, and combine the converted portions 61a to 61e to obtain the original two-dimensional By restoring the code, the information 61 relating to the encrypted charge balance or the like is decrypted.

  According to this structure, since the content of information becomes difficult to be known to a third party, it is possible to improve the safety of transactions. Further, according to this configuration, since it is not necessary to authenticate the personal terminal 10 every time information is input / output, input / output of various encrypted information is performed quickly.

  Moreover, according to this Embodiment, the point payment execution part 35 produces | generates the point consumption information which consumes the point with the earliest expiration date. According to this configuration, the expiration of the points due to the expiration of the expiration date can be suppressed, so that the points held by the member 10A can be used more efficiently.

  Moreover, according to this Embodiment, the point payment execution part 35 produces | generates the point consumption information which combined multiple types of points. According to this configuration, since point settlement is performed by consuming a plurality of types of points, the points held by the member 10A can be used more efficiently.

  Moreover, according to this Embodiment, the point payment execution part 35 produces | generates the point consumption information which combined several types of points with an early expiration date. According to this configuration, the expiration of the points due to the expiration of the expiration date can be further suppressed, so that the points held by the member 10A can be used more efficiently.

  Further, according to the present embodiment, when the point settlement is executed, the point settlement execution unit 35 displays information indicating that the point settlement has been performed on the member page 31 of the corresponding member 10A. According to this configuration, since the point payment history of the member 10A is displayed on the member page 31, it is possible to confirm the details of the point payment by the member 10A even after the point payment.

  In addition, according to the present embodiment, when the member 10A rejects the content of the point consumption information 31A, the point settlement execution unit 35 causes the corresponding member 10A to select the point to be consumed, and to the selected point. Based on this, the new point consumption information 31A is generated. According to this configuration, since the points to be consumed in the point settlement are arbitrarily selected by the member 10A, it is possible to appropriately consume the points held by the member 10A according to the usage situation.

  Further, according to the present embodiment, when electronic money settlement is performed, the personal terminal 10 outputs electronic money settlement information including information on the charge balance after the electronic money settlement to the point management server 30. Then, the point management server 30 updates the charge balance of the corresponding member 10A to the charge balance after the electronic money settlement based on the electronic money settlement information.

  According to this configuration, since the charge balance after electronic money settlement is also managed by the point management server 30, it is possible to retain various information such as the charge balance even if the personal terminal 10 is changed or lost. It becomes.

  Further, according to the present embodiment, when the charge balance becomes smaller than a predetermined amount, the point management server 30 outputs charge request information for requesting execution of an electronic money charge to the corresponding personal terminal 10 of the member 10A. . According to this configuration, since the member 10A can recognize that the charge balance is low, the possibility that the charge balance is insufficient during electronic money settlement is reduced.

  In addition, according to the present embodiment, the personal terminal 10 performs electronic money settlement by short-range wireless communication via the short-range wireless communication unit 19. According to this configuration, it is not necessary to display various information for electronic money settlement on the personal terminal 10, so that electronic money settlement can be performed quickly. Moreover, according to this structure, since the input / output of information is performed at a short distance, it is possible to maintain the safety of transactions.

  Further, according to the present embodiment, the information 61 relating to the charge balance and the like is constituted by a two-dimensional code. According to this configuration, since existing hardware and software for generating, reading, and the like of a two-dimensional code can be used, the cost required for introducing point settlement or electronic money settlement is reduced.

  In addition, according to the present embodiment, the personal terminal 10 is configured by a commercially available device such as a smartphone, and the point payment is executed using the function of the smartphone or the like. It becomes possible to introduce a point service without preparing. Thereby, the cost required for introducing the point service is reduced.

(Embodiment 2)
Next, a second embodiment of the present invention will be described. In this embodiment, a case where electronic money charging is performed via an electronic money charging terminal will be described. In the following description, in principle, the description of the same parts as those of the above-described embodiment will be omitted.

  FIG. 8 is a block diagram showing an example of the configuration of the point settlement apparatus according to Embodiment 2 of the present invention. As shown in FIG. 8, for example, the point settlement apparatus 101 includes a personal terminal 10, a point management server 30, a network 40, an electronic money charge terminal 120, and the like. In addition, when the electronic money charge terminal 120 is provided in a store, the electronic money charge terminal 120 may be integrated with a cash register or a POS.

  As shown in FIG. 8, the electronic money charge terminal 120 includes a display unit 123, a network communication unit 125, a security management unit 128, a short-range wireless communication unit (second short-range wireless communication unit) 129, and the like. The display unit 123 is configured by, for example, a liquid crystal panel or an organic EL panel. The display unit 123 displays, for example, various information such as member information, charge amount, charge balance, and information regarding the progress of electronic money charge.

  The network communication unit 125 is connected to the network 40 by wire or wireless. As a result, the electronic money charge terminal 120 is connected to the network 40 via the network communication unit 125. The electronic money charge terminal 120 is connected to the point management server 30 or the like via the network 40 and inputs / outputs various information to / from the point management server 30.

  A security management unit (third security management unit) 128 encrypts and decrypts various information. For example, when the encrypted information output from the point management server 30 is input, the security management unit 128 decrypts the encrypted information. As a result, the security management unit 128 restores the original information based on the encrypted information. Also, the security management unit 128 encrypts various information input from the menu screen of the personal terminal 10 or the electronic money charge terminal 120, for example. The encrypted information is output to the personal terminal 10 or the network communication unit 30, for example. Regarding encryption and decryption, processing similar to that of the above-described embodiment is performed.

  The short-range wireless communication unit 129 inputs and outputs various types of information related to electronic money charge, for example, with the personal terminal 10 through short-range wireless communication. For short-range wireless communication, for example, an international standard such as NFC is used.

<Processing for point settlement>
Next, an outline of point settlement in the present embodiment will be described. FIG. 9 is a diagram showing an example of an outline of point settlement according to Embodiment 2 of the present invention. FIG. 9 shows an outline of point settlement among the member 10A, the personal terminal 10, the electronic money charge terminal 120, and the point management server 30. In this case as well, the outline of point settlement will be described by taking the case of performing electronic money charging as an example.

<< Steps S310 to S320 >>
The member 10A activates the point service application on the personal terminal 10, and logs in to the point service through member authentication and the like. Further, the member 10 </ b> A brings his / her personal terminal 10 close to a predetermined location of the electronic money charge terminal 120. Alternatively, the member 10 </ b> A may place his / her own personal terminal 10 at a predetermined location of the electronic money charge terminal 120.

  Then, the member 10A applies to the point management server 30 via the electronic money charge terminal 120 for application for electronic money charge by point settlement. For example, the member 10 </ b> A may apply for an electronic money charge from a point service application running on the personal terminal 10, or operate a menu screen displayed on the display unit 123 of the electronic money charge terminal 120. You may apply for an electronic money charge.

  In addition, the member 10A operates a menu screen of the application, for example, and inputs a desired charge amount. Alternatively, the member 10 </ b> A operates a menu screen displayed on the display unit 123 of the electronic money charge terminal 120 and inputs a desired charge amount.

  The personal terminal 10 outputs various types of information such as member information for specifying a member and charge amount information for specifying a charge amount to the electronic money charge terminal 120 by short-range wireless communication. If the charge amount is directly input to the electronic money charge terminal 120, the personal terminal 10 outputs only various information such as member information (S310).

  The electronic money charge terminal 120 outputs various information such as the input member information and charge amount information to the point management server 30 via the network 40 (S320).

<< Steps S330 to S350 >>
In step S330, processing similar to that in step S30 in the above-described embodiment is performed.

  In step S340, substantially the same processing as step S40 in the above-described embodiment is performed. In step S <b> 340, the point settlement execution unit 35 outputs the generated access information to the electronic money charge terminal 120. This terminal is an electronic money charge terminal 120 that outputs various information such as member information of the corresponding member 10A.

  In step S350, the electronic money charge terminal 120 outputs the input access information to the personal terminal 10 of the corresponding member 10A by short-range wireless communication.

<< Steps S370 to S390 >>
In steps S370 to S390, processing similar to that in steps S70 to S90 in the above-described embodiment is performed.

<< Steps S400 to S420 >>
In step S400, processing similar to that in step S100 in the above-described embodiment is performed. In step S <b> 400, the point settlement execution unit 35 outputs point settlement completion information including information regarding the calculated charge balance after electronic money charging to the electronic money charging terminal 120. This terminal is also an electronic money charge terminal 120 that outputs various information such as member information of the corresponding member 10A.

  In step S410, the electronic money charge terminal 120 outputs the input point settlement completion information to the corresponding personal terminal 10 of the member 10A. Further, the electronic money charge terminal 120 displays information indicating that the point payment has been executed based on the point payment completion information.

  In step S420, processing similar to that in step S120 in the above-described embodiment is performed.

<Configuration of various information>
Also in the present embodiment, various encrypted information is input / output between the personal terminal 10 and the point management server 30. Also, when various information is input / output between the personal terminal 10 and the point management server 30 via the electronic money charge terminal 120, various encrypted information is input / output.

  As described above, when relaying various information, the electronic money charge terminal 120 may output the input various encrypted information as it is. In other words, the electronic money charge terminal 120 may output various input information without performing decryption and re-encryption processing.

  When the electronic money charge terminal 120 outputs various information (for example, charge amount information) input by operating the menu screen displayed on the display unit 123 to the point management server 30, the security management unit 128 Output various encrypted information. On the other hand, when the electronic money charge terminal 120 performs various processes based on various information (for example, point settlement completion information) output from the point management server 30, the security management unit 128 receives the input encrypted data. Decode various information.

  Various information that is input / output only between the personal terminal 10 and the electronic money charge terminal 120 may be encrypted or may not be encrypted.

<Effects of this embodiment>
According to the present embodiment, the following effects can be obtained in addition to the effects of the above-described embodiments. According to this embodiment, electronic money charge point settlement is performed by inputting / outputting various information between the personal terminal 10 and the point management server 30 via the electronic money charge terminal 120. According to this configuration, since the electronic money charge terminal 120 can be used, the use of electronic money charge by point settlement is promoted. This also promotes the consumption of points held by the member 10A. Moreover, according to this structure, the load of the personal terminal 10 in the process regarding electronic money charge is reduced.

  In addition, according to the present embodiment, the personal terminal 10 performs electronic money charging by performing short-range wireless communication between the short-range wireless communication unit 19 and the short-range wireless communication unit 129 of the electronic money charge terminal 120. Electronic money charging is performed via the terminal 120. According to this configuration, since various information can be easily input and output between the personal terminal 10 and the electronic money charge terminal 120, processing relating to electronic money charging is quickly performed.

  Further, according to the present embodiment, when the point settlement is executed, the point settlement execution unit 35 causes the electronic money charge terminal 120 to display information indicating that the point settlement has been performed. According to this configuration, the information displayed on the display unit 123 of the electronic money charge terminal 120 can recognize that the point settlement has been performed, so the member 10A can check the progress of the processing related to the electronic money charge. It becomes possible to grasp easily.

  In addition, this invention is not limited to embodiment mentioned above, Various modifications are included. Further, for example, the above-described embodiments have been described in detail for easy understanding of the present invention, and are not necessarily limited to those having all the configurations described. The size of each part is not limited to the description of the drawings and the like, and can be changed as appropriate.

  DESCRIPTION OF SYMBOLS 1 ... Point payment apparatus, 10 ... Personal terminal, 15 ... Network communication part, 17 ... Information storage part, 18 ... Security management part, 19 ... Near field communication part, 30 ... Point management server, 31 ... Member page, 35 ... Point settlement execution unit, 37 ... network communication unit, 38 ... security management unit, 40 ... network, 101 ... point settlement device, 120 ... electronic money charge terminal, 125 ... network communication unit, 128 ... security management unit, 129 ... short distance Wireless communication unit

Claims (26)

A personal terminal owned by a point service member for electronic money settlement;
A point management server for managing a plurality of types of points held by the member and a charge balance of electronic money for each member;
With
The personal terminal has an information storage unit for storing the charge balance of electronic money,
The point management server has a member page for each member and a point settlement execution unit,
The personal terminal, when performing electronic money charge, outputs to the point management server member information for specifying the member and charge amount information specifying a charge amount,
The point settlement execution unit generates holding point information that lists the point balance of the points held by the corresponding member based on the inputted member information, and the generated holding point information and the charge amount Based on the information, the point consumption corresponding to the charge amount is calculated, the point consumption information related to the calculated point consumption is displayed on the member page of the corresponding member, and the member page of the corresponding member is displayed. Generating access information for accessing the device, and outputting the generated access information to the corresponding personal terminal of the member,
When the corresponding personal terminal of the member acquires the access information, the member accesses the member page of the corresponding member based on the acquired access information, acquires the generated point consumption information,
Upon receiving an instruction for permission of the point consumption information from the corresponding personal terminal of the member, the point settlement execution unit performs the point settlement of the charge amount based on the point consumption information, and the point settlement is performed Calculate the charge balance after the electronic money charge that is the sum of the charge amount and the charge balance of the corresponding member, point settlement completion information including information on the calculated charge balance after the electronic money charge, Output to the corresponding personal terminal of the member,
The corresponding personal terminal of the member updates the charge balance stored in the information storage unit to the charge balance after the electronic money charge based on the point settlement completion information.
Point payment device. The point settlement apparatus according to claim 1,
The personal terminal includes a first security management unit,
The point management server includes a second security management unit,
When the point settlement is performed,
The second security management unit encrypts the information related to the charge balance after the point settlement,
The point management server outputs the encrypted information related to the charge balance after the electronic money charge to the corresponding personal terminal of the member,
When the information related to the charge balance after the electronic money charge encrypted is input to the corresponding personal terminal of the member,
The corresponding first security management unit decrypts the encrypted information regarding the charge balance after the electronic money charge,
The corresponding personal terminal of the member, based on the decrypted information on the charge balance after the electronic money charge, the charge balance stored in the information storage unit, the electronic balance after the electronic money charge Update to charge balance,
When the electronic money settlement is performed,
The corresponding first security management unit encrypts the information related to the charge balance after the electronic money settlement,
The corresponding personal terminal of the member outputs the encrypted information regarding the charge balance after the electronic money settlement to the point management server,
When the encrypted information about the charge balance after electronic money settlement is input to the point management server,
The second security management unit decrypts the encrypted information related to the charge balance after the electronic money settlement,
The point management server updates the charge balance of the corresponding member to the charge balance after the electronic money settlement based on the decrypted information on the charge balance after the electronic money settlement.
Point payment device. The point settlement apparatus according to claim 2,
The information on the charge balance is composed of a two-dimensional code,
The first security management unit and the second security management unit encrypt the information related to the charge balance by decomposing the two-dimensional code into a plurality of parts and digitizing each of the decomposed parts. The information about the charge balance encrypted by converting each digitized part to the original part and combining the converted parts to restore the original two-dimensional code Decrypt,
Point payment device. The point settlement apparatus according to claim 1,
If the point has an expiration date,
The point settlement execution unit generates the point consumption information for consuming the point with the earliest expiration date.
Point payment device. The point settlement apparatus according to claim 1,
The point settlement execution unit generates the point consumption information that combines a plurality of types of points.
Point payment device. In the point settlement apparatus according to claim 5,
If the point has an expiration date,
The point settlement execution unit generates the point consumption information combining a plurality of types of the points with an early expiration date.
Point payment device. The point settlement apparatus according to claim 1,
When the point settlement is executed, the point settlement execution unit displays information indicating that the point settlement has been performed on the member page of the corresponding member.
Point payment device. The point settlement apparatus according to claim 1,
Upon receiving an instruction to reject the point consumption information from the corresponding personal terminal of the member, the point settlement execution unit causes the corresponding member to select the point to be consumed and based on the selected point Generating new point consumption information;
Point payment device. The point settlement apparatus according to claim 1,
When the electronic money settlement is performed,
The personal terminal calculates the charge balance after the electronic money settlement by subtracting the settlement amount in the electronic money settlement from the charge balance, and includes the information related to the calculated charge balance after the electronic money settlement Output money settlement information to the point management server,
The point management server updates the charge balance of the corresponding member to the charge balance after the electronic money settlement based on the electronic money settlement information;
Point payment device. The point settlement apparatus according to claim 1,
The point management server, when the charge balance becomes less than a predetermined amount, outputs charge request information for requesting execution of the electronic money charge to the personal terminal of the corresponding member.
Point payment device. The point settlement apparatus according to claim 1,
The personal terminal includes a short-range wireless communication unit, and performs the electronic money settlement by short-range wireless communication via the short-range wireless communication unit.
Point payment device. The point settlement apparatus according to claim 1,
The information about the charge balance is composed of a two-dimensional code;
Point payment device. A personal terminal owned by a point service member for electronic money settlement;
A point management server for managing a plurality of types of points held by the member and a charge balance of electronic money for each member;
An electronic money charging terminal for charging electronic money to the personal terminal;
With
The personal terminal has an information storage unit for storing the charge balance of electronic money,
The point management server has a member page for each member and a point settlement execution unit,
The personal terminal, when performing electronic money charge, outputs to the point management server via the electronic money charge terminal, member information for specifying the member and charge amount information specifying a charge amount,
The point settlement execution unit generates holding point information that lists the point balance of the points held by the corresponding member based on the inputted member information, and the generated holding point information and the charge amount Based on the information, the point consumption corresponding to the charge amount is calculated, the point consumption information related to the calculated point consumption is displayed on the member page of the corresponding member, and the member page of the corresponding member is displayed. Generating access information for accessing the device, and outputting the generated access information to the personal terminal of the corresponding member via the electronic money charge terminal,
When the corresponding personal terminal of the member acquires the access information, the member accesses the member page of the corresponding member based on the acquired access information, acquires the generated point consumption information,
Upon receiving an instruction for permission of the point consumption information from the corresponding personal terminal of the member, the point settlement execution unit performs the point settlement of the charge amount based on the point consumption information, and the point settlement is performed Calculate the charge balance after the electronic money charge that is the sum of the charge amount and the charge balance of the corresponding member, point settlement completion information including information on the calculated charge balance after the electronic money charge, Via the electronic money charge terminal, output to the personal terminal of the corresponding member,
The corresponding personal terminal of the member updates the charge balance stored in the information storage unit to the charge balance after the electronic money charge based on the point settlement completion information.
Point payment device. The point settlement apparatus according to claim 13,
The personal terminal includes a first security management unit,
The point management server includes a second security management unit,
When the point settlement is performed,
The second security management unit encrypts the information related to the charge balance after the point settlement,
The point management server outputs the encrypted information regarding the charge balance after the electronic money charge to the corresponding personal terminal of the member via the electronic money charge terminal,
When the information related to the charge balance after the electronic money charge encrypted is input to the corresponding personal terminal of the member,
The corresponding first security management unit decrypts the encrypted information regarding the charge balance after the electronic money charge,
The corresponding personal terminal of the member, based on the decrypted information on the charge balance after the electronic money charge, the charge balance stored in the information storage unit, the electronic balance after the electronic money charge Update to charge balance,
When the electronic money settlement is performed,
The corresponding first security management unit encrypts information on the charge balance after the electronic money settlement,
The corresponding personal terminal of the member outputs the encrypted information related to the charge balance after the electronic money settlement to the point management server via the electronic money charge terminal,
When the encrypted information about the charge balance after electronic money settlement is input to the point management server,
The second security management unit decrypts the encrypted information related to the charge balance after the electronic money settlement,
The point management server updates the charge balance of the member to the charge balance after electronic money settlement based on the decrypted information on the charge balance after electronic money settlement.
Point payment device. The point settlement apparatus according to claim 14,
The information on the charge balance is composed of a two-dimensional code,
The first security management unit and the second security management unit encrypt the information related to the charge balance by decomposing the two-dimensional code into a plurality of parts and digitizing each of the decomposed parts. The information about the charge balance encrypted by converting each digitized part to the original part and combining the converted parts to restore the original two-dimensional code Decrypt,
Point payment device. The point settlement apparatus according to claim 13,
The personal terminal includes a first short-range wireless communication unit, and performs the electronic money settlement by short-range wireless communication via the first short-range wireless communication unit.
Point payment device. The point settlement apparatus according to claim 16,
The electronic money charge terminal includes a second short-range wireless communication unit,
The personal terminal performs the short-range wireless communication between the first short-range wireless communication unit and the second short-range wireless communication unit, whereby the electronic money charge via the electronic money charge terminal is performed. I do,
Point payment device. The point settlement apparatus according to claim 13,
If the point has an expiration date,
The point settlement execution unit generates the point consumption information for consuming the point with the earliest expiration date.
Point payment device. The point settlement apparatus according to claim 13,
The point settlement execution unit generates the point consumption information that combines a plurality of types of points.
Point payment device. The point settlement apparatus according to claim 13,
If the point has an expiration date,
The point settlement execution unit generates the point consumption information combining a plurality of types of the points with an early expiration date.
Point payment device. The point settlement apparatus according to claim 13,
When the point settlement is executed, the point settlement execution unit displays information indicating that the point settlement has been performed on the member page of the corresponding member.
Point payment device. The point settlement apparatus according to claim 13,
Upon receiving an instruction to reject the point consumption information from the corresponding personal terminal of the member, the point settlement execution unit causes the corresponding member to select the point to be consumed and based on the selected point Generating new point consumption information;
Point payment device. The point settlement apparatus according to claim 13,
When the electronic money settlement is performed,
The personal terminal calculates the charge balance after the electronic money settlement by subtracting the settlement amount in the electronic money settlement from the charge balance, and includes the information related to the calculated charge balance after the electronic money settlement Output money settlement information to the point management server,
The point management server updates the charge balance of the corresponding member to the charge balance after the electronic money settlement based on the electronic money settlement information;
Point payment device. The point settlement apparatus according to claim 13,
The point management server, when the charge balance becomes less than a predetermined amount, outputs charge request information for requesting execution of the electronic money charge to the personal terminal of the corresponding member.
Point payment device. The point settlement apparatus according to claim 13,
The information about the charge balance is composed of a two-dimensional code;
Point payment device. The point settlement apparatus according to claim 13,
When the point settlement is executed, the point settlement execution unit displays information indicating that the point settlement has been performed on the electronic money charge terminal.
Point payment device.

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