Information processing apparatus, information processing method, and program

Abstract

To provide an information processing apparatus, an information processing method, and a program configured to increase a DCC usage rate.SOLUTION: In conducting a commercial transaction in a second country in which a currency different from that in a first country is used, an information processing apparatus receives transaction information indicating the content of the commercial transaction, determines, on the basis of the received transaction information and a plurality of predetermined conditions of modification, whether to modify a currency conversion fee rate for calculating a currency conversion fee which is to be added for a settlement using the currency of the first country, and modifies, when determining to modify the currency conversion fee rate, the currency conversion fee rate on the basis of the discount rate of the currency conversion fee rate included in the conditions of modification. The information processing apparatus updates the discount rate of the currency conversion fee rate on the basis of history information of settlement in commercial transactions.SELECTED DRAWING: Figure 9

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, for the purpose of promoting business transactions in Japan by foreign residents, a system for facilitating business transactions has been known. For example, Patent Document 1 discloses a system for changing the exchange conversion fee as an administrative fee in the case of a business transaction using DCC (Dynamic Currency Conversion), which is a settlement service in the currency of the home country.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the technique described in Patent Document 1 lacks flexibility in changing the exchange conversion fee and has room for improvement in terms of improving the utilization rate of DCC.

[0005] The present invention has been made in view of the above circumstances, and an object thereof is to provide an information processing apparatus, an information processing method, and a program capable of improving the utilization rate of DCC.

Means for Solving the Problems

[0006] To achieve the above object, an information processing apparatus according to a first aspect of the present invention includes: transaction information receiving means for receiving transaction information indicating the content of the business transaction when conducting a business transaction in a second country that uses a currency different from that of the first country; Determine whether to change the exchange conversion fee rate for calculating the exchange conversion fee added when making a settlement using the currency of the first country, based on the transaction information received by the transaction information receiving means and a plurality of predetermined change conditions. An exchange conversion fee rate change determination means; When it is determined by the exchange conversion fee rate change determination means to change the exchange conversion fee rate, an exchange conversion fee rate change means for changing the exchange conversion fee rate based on the discount rate of the exchange conversion fee rate included in the change conditions; A change condition update means for updating the discount rate of the exchange conversion fee rate based on the settlement history information in the commercial transaction; Comprising.

[0007] The change condition update means calculates the ratio of settlements made using the currency of the first country based on the settlement history information in the commercial transaction, and when the ratio does not achieve a predetermined target value, updates the value of the discount rate of the exchange conversion fee rate. It may be like this.

[0008] The change condition update means calculates the ratio of settlements made using the currency of the first country based on the settlement history information in the commercial transaction, and updates the value of the discount rate of the exchange conversion fee rate according to the degree of deviation between the ratio and a predetermined target value. It may be like this.

[0009] The change condition update means calculates the ratio of settlements made using the currency of the first country based on the settlement history information in the commercial transaction, and when the ratio achieves a reference value higher than a predetermined target value, increases the value of the discount rate of the exchange conversion fee rate and updates it so that the size of the discount becomes lower. It may be like this.

[0010] To achieve the above object, an information processing method according to a second aspect of the present invention When conducting a commercial transaction in a second country that uses a currency different from that of the first country, a transaction information receiving step of receiving transaction information indicating the content of the commercial transaction; A foreign exchange conversion fee rate change determination step of determining whether to change the foreign exchange conversion fee rate for calculating the foreign exchange conversion fee added when making a settlement using the currency of the first country, based on the transaction information received in the transaction information reception step and a plurality of predetermined change conditions; A foreign exchange conversion fee rate change step of changing the foreign exchange conversion fee rate based on the discount rate of the foreign exchange conversion fee rate included in the change conditions when it is determined in the foreign exchange conversion fee rate change determination step that the foreign exchange conversion fee rate is to be changed; A change condition update step of updating the discount rate of the foreign exchange conversion fee rate based on the settlement history information in the commercial transaction; and is provided with.

[0011] To achieve the above object, a program according to a third aspect of the present invention causes a computer to transaction information receiving means for receiving transaction information indicating the content of the commercial transaction when conducting a commercial transaction in a second country using a currency different from that of the first country; a foreign exchange conversion fee rate change determination means for determining whether to change the foreign exchange conversion fee rate for calculating the foreign exchange conversion fee added when making a settlement using the currency of the first country, based on the transaction information received by the transaction information receiving means and a plurality of predetermined change conditions; a foreign exchange conversion fee rate change means for changing the foreign exchange conversion fee rate based on the discount rate of the foreign exchange conversion fee rate included in the change conditions when it is determined by the foreign exchange conversion fee rate change determination means that the foreign exchange conversion fee rate is to be changed; a change condition update means for updating the discount rate of the foreign exchange conversion fee rate based on the settlement history information in the commercial transaction; function as.

Effects of the Invention

[0012] According to the present invention, the utilization rate of DCC can be improved.

Brief Description of the Drawings

[0013]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Mode for Carrying Out the Invention

[0014] (Embodiment) An information processing apparatus, an information processing method, and a program according to an embodiment for carrying out the present invention will be described in detail with reference to the drawings. In the drawings, the same or corresponding parts are denoted by the same reference numerals. Hereinafter, an example in which the information processing apparatus in the present invention is applied to the information processing system 1 shown in FIG. 1 will be described.

[0015] In the information processing system 1, as shown in FIG. 1, each of the information terminal 100 and the information processing apparatus 300 is communicably connected via the network 210. In the illustrated example, an example where the number of information terminals 100 is one is shown, but there are a plurality of information terminals 100. Further, by incorporating the functions of the information processing apparatus 300 into the information terminal 100, the information terminal 100 can also function as the information processing apparatus 300. However, for ease of understanding, in this embodiment, the information terminal 100 and the information processing apparatus 300 will be described separately.

[0016] As shown in FIG. 1, the information terminal 100 is an information terminal connected to a network 210 such as the Internet. The information terminal 100 is an information terminal (so-called computer) such as a smartphone, a tablet, or a PC (Personal Computer) of an acquirer such as a credit card company, and can transmit and receive various data to and from the information processing apparatus 300 via the network 210. Note that the information terminal 100 is not limited to a credit card company, and may be, for example, an information terminal of a store. The information terminal 100 generates transaction information such as sales and returns and transmits it to the information processing apparatus 300. Note that the information terminal 100 may be, in addition to an information terminal of a store, for example, an information terminal of a bank or an ATM (automatic teller machine).

[0017] The information processing device 300 is an information terminal such as a smartphone, tablet, server, or PC, and can transmit and receive various data to and from the information terminal 100 via the network 210. The information processing device 300 provides services necessary for settlement in sales, returns, etc. based on the transaction information received from the information terminal 100. Specifically, the information processing device 300 performs a process of calculating an exchange rate in a commercial transaction using DCC (Dynamic Currency Conversion), which is a settlement service in the domestic currency. The information processing device 300 in this embodiment changes the exchange conversion fee as an administrative fee according to a plurality of conditions and provides it to the information terminal 100. In addition, the information processing device 300 has a function of appropriately updating a plurality of conditions set for changing the exchange conversion fee to promote the use of DCC.

[0018] Next, with reference to FIG. 2, the configuration of the information terminal 100 will be described. As described above, since there are a plurality of information terminals 100, other information terminals 100 also have at least a similar configuration.

[0019] As shown in FIG. 2, the information terminal 100 includes a storage unit 110, a control unit 120, an input / output unit 130, a communication unit 140, and a system bus (not shown) that interconnects these components.

[0020] The storage unit 110 includes a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The ROM stores a program 111 executed by the CPU (Central Processing Unit) of the control unit 120, various data (not shown) necessary in advance for executing the program 111, and transaction information 112.

[0021] Program 111 is a program that executes transaction information transmission processing and settlement request processing, which will be described later, and is stored in the storage unit 110 in advance. Specifically, Program 111 is a program for generating transaction information 112 indicating the content of a commercial transaction, and a program for generating a transaction screen including an exchange rate and an exchange conversion fee in the case of using DCC based on the exchange conversion information received from the information processing device 300. In addition, Program 111 also includes a program for requesting settlement processing.

[0022] Transaction information 112 is information indicating the content of a commercial transaction. Specifically, as shown in FIG. 3, transaction information 112 includes the date of the commercial transaction, the transaction amount indicating the amount in yen of the transaction, the franchise store ID identifying the store, the terminal ID identifying the settlement terminal, the card member information identifying the card used in the transaction, the issuer ID identifying the card issuing company, the bank code, and the bank branch code. Note that the bank code and the bank branch code are included as transaction information, for example, when foreign currency cashing is performed. The bank code is information for identifying a bank, and the bank branch code is information for identifying a branch. Note that the date information may also include information about time. The example shown in FIG. 3(A) shows an example in which a commercial transaction of 100,000 yen was made on December 15, 2023, at the terminal "1233" of the franchise store "AAAAAA" using the card "XXXX567890123456" issued by the card issuing company "380000". The example shown in FIG. 3(B) shows an example in which a commercial transaction of 100,000 yen was made on December 15, 2023, at the terminal "1276" of the franchise store "ABBAAA" using the card "XXXB567890123456" issued by the card issuing company "370000".

[0023] Returning to FIG. 2, the control unit 120 is composed of a CPU, an ASIC (Application Specific Integrated Circuit), etc. The control unit 120 operates according to the program 111 stored in the storage unit 110 and executes the processing according to the program. As the main functional units provided by the program 111 stored in the storage unit 110, the control unit 120 includes a transaction information generation unit 121, a transaction information transmission unit 122, a transaction screen generation unit 123, and an authentication processing unit 124.

[0024] The transaction information generation unit 121 is a functional unit that generates transaction information 112, which is information necessary for commercial transactions, based on operations on the user input / output unit 130. For example, on December 15, 2023, at the terminal "1233" of the franchise store "AAAAAA", when a commercial transaction of 100,000 yen is carried out using the card "XXXX567890123456" issued by the card issuing company "380000", the transaction information generation unit 121 generates the transaction information shown in FIG. 3(A). Note that the date, franchise store ID, terminal ID, card member information, and issuer ID may be automatically read by a reading device (not shown). The transaction information generation unit 121 also has a function of determining whether there is an input error in the input information necessary for commercial transactions, such as when an alphabet is input in an input field where a number should be input, or when the number of digits in an input field that should be 6 digits is insufficient or excessive. When there is no such input error, the transaction information is generated. The criteria for determining whether there is an input error may be set by the user in advance.

[0025] The transaction information transmission unit 122 is a functional unit that transmits the transaction information 112 generated by the transaction information generation unit 121 to the information processing device 300. As a result, on the side of the information processing device 300, when using DCC for the amount of the commercial transaction, the foreign exchange conversion fee is calculated based on the transaction information 112, and foreign exchange conversion information is generated. The foreign exchange conversion information includes at least information such as the exchange rate, foreign exchange conversion fee, foreign exchange conversion fee rate, and the amount converted into the domestic currency when using DCC.

[0026] The transaction screen generation unit 123 is a functional unit that generates a display screen for displaying the content included in the exchange conversion information transmitted from the information processing device 300. Specifically, as shown in FIG. 9, the transaction screen generation unit 121 has a function of generating and displaying a display screen for displaying the exchange rate, exchange conversion fee, exchange conversion fee rate, and the amount converted into the domestic currency when using DCC, which are included in the exchange conversion information received from the information processing device 300. Regarding the transaction screen, it suffices that it is a display screen on which the customer can select whether to use DCC, that is, whether to perform settlement in yen or in the domestic currency.

[0027] The authentication processing unit 124 is a functional unit that performs authentication processing for confirming whether settlement in the selected currency is possible based on the customer's selection of whether to conduct a commercial transaction using DCC. Specifically, the authentication processing unit 124 has a function of transmitting an authentication request to the card company via the information processing device 300 and receiving the authentication result via the information processing device 300.

[0028] Returning to FIG. 2, the input / output unit 130 is a device composed of a keyboard, mouse, camera, microphone, liquid crystal display, organic EL (Electro-Luminescence) display, etc., and is used for inputting and outputting various data.

[0029] The communication unit 140 is a device for the information terminal 100 to communicate with the information processing device 300 via the network 210.

[0030] By the cooperation of these functional units, the information terminal 100 realizes the functions of generating transaction information and transmitting it to the information processing device 300, and generating a transaction screen based on the exchange conversion information received from the information processing device 300.

[0031] The above is the configuration of the information terminal 100. Next, the configuration of the information processing apparatus 300 will be described with reference to FIG. 4. As shown in FIG. 4, the information processing apparatus 300 includes a storage unit 310, a control unit 320, an input / output unit 330, a communication unit 340, and a system bus (not shown) that interconnects these components.

[0032] The storage unit 310 includes a ROM, a RAM, and the like. The ROM stores a program 311 to be executed by the CPU of the control unit 320, setting information 312 such as change conditions, transaction history information 313, and various types of data (not shown) that are necessary in advance for executing the program 311.

[0033] The program 311 is a program for executing the exchange rate conversion process and the transaction history accumulation process, which will be described later. Specifically, the program 311 is a program for generating exchange rate conversion information based on the transaction information transmitted from the information terminal 100, and a program for storing the transaction history based on the authentication request received from the information terminal 100, and is stored in the storage unit 310 in advance.

[0034] The change condition and other setting information 312 is information indicating conditions for changing a preset standard foreign exchange conversion fee. As shown in FIG. 5, the change condition and other setting information 312 in this embodiment is assumed to have six conditions numbered No. 1 to No. 6, and will be described below. In addition, a plurality of other conditions may be set. The change condition and other setting information 312 is set by, for example, Acquaria and stored in the storage unit 310 of the information processing apparatus 300. Specifically, the condition No. 1 shown in FIG. 5 indicates that if the franchise store ID is "AAAAA" and the amount is "100,000 yen or more", the foreign exchange conversion fee change rate is set to "-1.00%", which means that the foreign exchange conversion fee is set to "-1.00%" from the standard foreign exchange conversion fee. The standard foreign exchange conversion fee in this embodiment is preset to "5.00%" and stored in the storage unit 310. Also, the information indicated by the issue range includes, for example, BIN (Bank Identification number) information indicating which country the card was issued in. The condition No. 5 shown indicates that if it is within the range of "400000 to 409999", the foreign exchange conversion fee rate is set to "-2.00%" from the standard foreign exchange conversion fee. Also, the item "NULL" shown in the figure indicates that it is not set as a condition. In addition to the example shown in the figure, for example, when the transaction currency is the US dollar or the euro, there may be conditions regarding the transaction currency or conditions regarding the weather. Also, these multiple conditions may be combined. Furthermore, for example, even if the franchise store ID is the same, the foreign exchange conversion fee change rate may be made different according to the amount or date information, and the setting content of the change condition and other setting information 312 can be arbitrarily changed.

[0035] Returning to FIG. 4, the transaction history information 313 is information indicating the history of daily transactions. The transaction history information 313 is stored in the storage unit 310 when a settlement request process is performed at the information terminal 100 and the authentication request to the card company is relayed. The transaction history information 313 includes the information contained in the authentication request. As shown in FIG. 6, it includes the date of the commercial transaction, information indicating the use or non-use of DCC, the franchise store ID identifying the store, the terminal ID identifying the settlement terminal, the card member information identifying the card used in the transaction, the issue ID identifying the card issuing company, the bank code, the bank branch code, the transaction amount indicating the amount in yen of the transaction, and information on the foreign exchange conversion fee rate, etc. Each time a settlement request process is performed at the information terminal 100, a new transaction history is added to the transaction history information 313.

[0036] The control unit 320 is composed of a CPU, an ASIC (Application Specific Integrated Circuit), etc. The control unit 320 operates according to the program 311 stored in the storage unit 310 and executes the processes according to the program. As the main functional units provided by the program 311 stored in the storage unit 310, the control unit 320 includes a foreign exchange conversion fee rate change determination unit 321, a foreign exchange conversion fee rate change unit 322, a foreign exchange conversion information generation unit 323, a foreign exchange conversion information transmission unit 324, and a change condition etc. update unit 325.

[0037] The foreign exchange conversion fee rate change determination unit 321 is a functional unit that determines whether to change the foreign exchange conversion fee rate. Specifically, the foreign exchange conversion fee rate change determination unit 321 is a functional unit that determines whether the transaction of the transaction information received from the information terminal 100 is a transaction in which the foreign exchange conversion fee rate can be changed, based on the conditions indicated by the change condition etc. setting information 312.

[0038] The foreign exchange conversion fee rate change unit 322 is a functional unit that changes the foreign exchange conversion fee rate according to the determination result of the foreign exchange conversion fee rate change determination unit 321. Specifically, when the foreign exchange conversion fee rate change determination unit 321 determines to change the foreign exchange conversion fee rate, the foreign exchange conversion fee rate change unit 322 subtracts the foreign exchange conversion fee change rate indicated by the change condition setting information 312 from the preset standard foreign exchange conversion fee, and sets it as the foreign exchange conversion fee rate. On the other hand, when the foreign exchange conversion fee rate change determination unit 321 determines to change the foreign exchange conversion fee rate, the foreign exchange conversion fee rate change unit 322 is a functional unit that sets the preset standard foreign exchange conversion fee rate. In addition, the foreign exchange conversion fee rate change unit 322 also has a function of calculating the foreign exchange change fee based on the set foreign exchange conversion fee rate.

[0039] The foreign exchange conversion information generation unit 323 is a functional unit that generates foreign exchange conversion information including the exchange rate, foreign exchange conversion fee, foreign exchange conversion fee rate, and the transaction amount after foreign exchange conversion (the amount converted into the domestic currency when using DCC). Specifically, the foreign exchange conversion information generation unit 323 adds the amount of the foreign exchange conversion fee calculated by the foreign exchange conversion fee rate change unit 322 to the transaction amount indicated by the transaction information received from the information terminal 100. Then, it acquires the exchange rate used for commercial transactions and converts the amount added with the foreign exchange conversion fee into foreign currency using the acquired exchange rate. In this embodiment, in commercial transactions in Japan, it is assumed that the customer's domestic currency is the US dollar and the exchange rate is 1 US dollar = 140 yen, and the following description will be given. That is, an example will be described where an American in the first country (domestic country) which is the United States conducts a commercial transaction in Japan which is the second country.

[0040] The foreign exchange conversion information transmission unit 324 is a functional unit that transmits the foreign exchange conversion information generated by the foreign exchange conversion information generation unit 323 to the information terminal 100. As a result, on the side of the information terminal 100, a transaction screen is generated, and a transaction screen that allows the customer to select the use of DCC is displayed.

[0041] The change condition etc. update unit 325 is a functional unit that periodically changes the value of the exchange conversion fee change rate set in the change condition etc. setting information 312. Specifically, when the utilization rate of DCC calculated from the information included in the transaction history information 313 is lower than a preset target value, the change condition etc. update unit 325 changes the value of the exchange conversion fee change rate set in the change condition etc. setting information 312, and thus is a functional unit that performs a setting change to improve the utilization rate of the DCC flag.

[0042] The input / output unit 330 is composed of a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electoro-Luminescence) display, etc., and is a device for inputting and outputting various data.

[0043] The communication unit 340 is a device for the information processing apparatus 300 to communicate with other information terminals via the network 210.

[0044] By the cooperation of these functional units, the information processing apparatus 300 realizes the function of flexibly changing the exchange conversion fee.

[0045] The above is the configuration of the information processing apparatus 300. Subsequently, the operation etc. of the information processing system 1 will be described. First, the operation of the information terminal 100 will be described. FIG. 7 is a flowchart showing an example of the transaction information transmission process executed in the information terminal 100. The transaction information transmission process is started when an operation on the input / output unit 130 by the user is performed.

[0046] When starting the transaction information transmission process shown in FIG. 7, the control unit 120 first determines whether there is an input error for the information of each input item such as the transaction type and the transaction amount (Japanese yen) (step S101). Specifically, in the process of step S101, when a non-numeric value is entered in an input field where a numeric value should be entered, when an item that is required to be input is blank, or when the number of digits in the input field is insufficient or excessive, it is determined that there is an input error. As described above, the criteria for determining whether there is such an input error are set for each item by the user in advance. Note that in the process of step S101, if a predetermined period has elapsed, such as no input being made for 15 minutes or more, it may be determined as an input error.

[0047] If it is determined in step S101 that there is an input error (step S101; No), the control unit 120 ends the transaction information transmission process as it is. On the other hand, if it is determined in step S101 that there is no input error (step S101; Yes), the control unit 120 generates transaction information based on the input information by the function of the transaction information generation unit 121 (step S102). Specifically, in the process of step S102, transaction information as shown in FIGS. 3(A) and 3(B) is generated based on the input or read information.

[0048] Returning to FIG. 7, after executing the process of step S102, the control unit 120 transmits the transaction information generated in the process of step S102 to the information processing device 300 by the function of the transaction information transmission unit 122 (step S103). By performing the process of step S103, the transaction information is transmitted to the information processing device 300. As a result, on the side of the information processing device 300, the generation of exchange conversion information is performed.

[0049] After executing the process of step S103, the control unit 120 determines whether it has received the foreign exchange conversion information from the information processing apparatus 300 (step S104). If it is determined that the foreign exchange conversion information has not been received (step S104; No), the control unit 120 waits until the foreign exchange conversion information is received. On the other hand, if it is determined that the foreign exchange conversion information has been received (step S104; Yes), the control unit 120 generates and displays a transaction screen as shown in FIGS. 9(A) and 9(B) by the function of the transaction screen generation unit 123 (step S105), and ends the transaction information transmission process. Specifically, in the process of step S105, the transaction screen generation unit 123 displays the information included in the foreign exchange conversion information received from the information processing apparatus 300, and also displays the amount in Japanese yen and the amount converted into the domestic currency, so as to display in a selectable manner whether to use DCC.

[0050] Next, the operation of the information processing apparatus 300 will be described. FIG. 8 is a flowchart showing an example of the foreign exchange conversion process executed in the information processing apparatus 300. The foreign exchange conversion process is started by receiving transaction information from the information terminal 100. Note that the foreign exchange conversion process may also be started by an operation on the input / output unit 330 by the user. In that case, for example, among a plurality of pieces of transaction information received from the information terminal 100, which piece of transaction information is used for the foreign exchange conversion process may be selected by the user. The information processing apparatus 300 that receives the transaction information from the information terminal 100 corresponds to the transaction information receiving means, and the step of receiving the transaction information from the information terminal 100 corresponds to the transaction information receiving step.

[0051] When starting the foreign exchange conversion process, the control unit 320 first determines, by the function of the foreign exchange conversion fee rate change determination unit 321, whether the transaction indicated by the transaction information received from the information terminal 100 meets the fee change conditions (step S201). Specifically, in the process of step S201, it is determined whether various information included in the transaction information received from the information terminal 100 meets the conditions indicated by the change condition setting information 312 and the like. For example, when the transaction information received from the information terminal 100 is the content shown in Fig. 3(A), since the foreign exchange conversion fee rate change determination unit 321 meets the condition No. 1 in the change condition setting information shown in Fig. 5, it is determined that it meets the fee change conditions. On the other hand, when the transaction information received from the information terminal 100 is the content shown in Fig. 3(B), since the foreign exchange conversion fee rate change determination unit 321 does not meet any of the conditions in the change condition setting information shown in Fig. 5, it is determined that it does not meet the fee change conditions. Note that the foreign exchange conversion fee rate change determination unit 321 that executes the process of step S201 and step S201 correspond to the foreign exchange conversion fee rate change determination means and the foreign exchange conversion fee rate change determination step. The foreign exchange conversion fee rate is the fee rate used to calculate the fee added when settling using DCC.

[0052] In the process of step S201 shown in FIG. 8, when it is determined that the fee change condition is met (step S201; Yes), the control unit 320 calculates the foreign exchange conversion fee based on the foreign exchange conversion fee rate after changing the foreign exchange conversion fee rate by the function of the foreign exchange conversion fee rate change unit 322 (step S202). Specifically, the foreign exchange conversion fee calculated in the process of step S202 will be described when the transaction information received from the information terminal 100 is the content shown in FIG. 3(A). As described above, when the transaction information is the content shown in FIG. 3(A), since the transaction indicated by the transaction information meets the No. 1 condition in the change condition and other setting information shown in FIG. 5, it meets the fee change condition. In the process of step S202, since the No. 1 foreign exchange conversion fee rate shown in FIG. 5 is "-1.00%", the foreign exchange conversion fee rate change unit 322 sets "4.00%", which is obtained by subtracting "-1.00%" from the reference foreign exchange conversion fee rate of "5.00%", as the foreign exchange conversion fee rate, and calculates 4,000 yen, which is 4.00% of the transaction amount of 100,000 yen, as the foreign exchange conversion fee. Note that the foreign exchange conversion fee rate change unit 322 that executes the process of step S202 and step S202 correspond to the foreign exchange conversion fee rate change means and the foreign exchange conversion fee rate change step.

[0053] On the other hand, in the process of step S201 shown in FIG. 8, when it is determined that the fee change condition is not met (step S201; No), the control unit 320 calculates the foreign exchange conversion fee based on the preset reference foreign exchange conversion fee rate by the function of the foreign exchange conversion fee rate change unit 322 (step S203). Specifically, when the transaction information received from the information terminal 100 is the content shown in FIG. 3(B), in the process of step S203, since the transaction indicated by the transaction information does not meet any of the change condition and other setting information shown in FIG. 5 (does not meet the fee change condition), the foreign exchange conversion fee rate change unit 322 sets the reference foreign exchange conversion fee rate of "5.00%" as the foreign exchange conversion fee rate, and calculates 5,000 yen, which is 5.00% of the transaction amount of 100,000 yen, as the foreign exchange conversion fee.

[0054] After executing the process of step S202 or step S203 shown in FIG. 8, the control unit 320 generates exchange conversion information including an exchange rate, an exchange conversion fee, and an amount of the transaction after exchange conversion (the amount converted into the domestic currency when using DCC) by the function of the exchange conversion information generation unit 323 (step S204). Specifically, in the process of step S204, the exchange conversion information generation unit 323 adds the amount of the exchange conversion fee calculated in the process of step S202 or step S203 to the transaction amount indicated by the transaction information received from the information terminal 100. Then, an exchange rate used for commercial transactions is obtained, and the amount obtained by adding the exchange conversion fee is converted into a foreign currency using the obtained exchange rate, thereby calculating the transaction amount after exchange conversion. Then, exchange conversion information including at least information on the exchange rate, the exchange conversion fee, the exchange conversion fee rate, and the transaction amount after exchange conversion is generated.

[0055] After executing the process of step S204, the control unit 320 transmits the exchange conversion information generated in the process of step S204 to the information terminal 100 by the function of the exchange conversion information transmission unit 324 (step S205), and ends the exchange conversion process. As a result, on the side of the information terminal 100, it is determined as "Yes" in the process of step S104 shown in FIG. 7, and the process of step S105 is executed. As a result, a transaction screen shown in FIG. 9 is generated and displayed on the information terminal 100. Specifically, FIG. 9(A) is a transaction screen corresponding to the transaction indicated by the transaction information 112 shown in FIG. 3(A), and FIG. 9(B) shows a transaction screen corresponding to the transaction indicated by the transaction information 112 shown in FIG. 3(B). As shown in the figure, in the example shown in FIG. 9(A), since the transaction information is the content shown in FIG. 3(A) and matches the No. 1 condition in the setting information such as the change conditions shown in FIG. 5, the exchange conversion fee rate is "4.00%", whereas in the example shown in FIG. 9(B), since the transaction information is the content shown in FIG. 3(B) and does not match any of the conditions in the setting information such as the change conditions shown in FIG. 5, the exchange conversion fee rate is the reference exchange conversion fee rate of "5.00%".

[0056] As described above, in the information processing apparatus 300 according to this embodiment, the exchange conversion fee rate can be changed according to a plurality of conditions. Therefore, the exchange conversion fee can be flexibly changed, and the utilization rate of DCC can be improved.

[0057] After the transaction screen shown in FIG. 9 is displayed, the customer will select whether to pay in yen or in US dollars, which is the customer's home currency, that is, whether to perform settlement using DCC. FIG. 10 is a flowchart showing an example of the settlement process performed by the information terminal 100 and the transaction history accumulation process performed by the information processing apparatus 300. The settlement process may be executed following the display of the transaction screen shown in FIG. 9 by the process of step S105 shown in FIG. 7.

[0058] When starting the settlement process shown in FIG. 10, the control unit 120 determines whether a settlement selection of whether to perform settlement using DCC has been made by the function of the authorization processing unit 124 (step S301). If the settlement selection has not been made (step S301; No), the control unit 120 waits as it is. On the other hand, when the settlement selection has been made (step S301; Yes), the control unit 120 performs an authorization process corresponding to the selected settlement by the function of the authorization processing unit 124 (step S302), and ends the settlement process. Specifically, in the process of step S302, when the selected settlement is a settlement using DCC, the authorization processing unit 124 generates authorization information for the card brand used by the customer and transmits it to the information processing apparatus 300. On the other hand, when the selected settlement is a settlement that does not use DCC, that is, a settlement in yen, the authorization processing unit 124 generates authorization information for performing normal credit processing in a system other than currency conversion and transmits it to the information processing apparatus 300. The authorization information includes at least information such as date, availability of DCC, franchise store ID, terminal ID, card member information, issue information, bank code, bank branch code, amount (yen), exchange conversion fee change rate, and transmission destination.

[0059] On the side of the information processing device 300, when receiving the authentication information from the information terminal 100, it starts the transaction history accumulation process. When starting the transaction history accumulation process, the control unit 320 relays the received authentication information to the transmission destination indicated by the received authentication information (step S303). Specifically, in the process of step S303, when the transmission destination indicated by the received authentication information is a card brand, the control unit 320 transmits the authentication information to the card brand. On the other hand, when the transmission destination indicated by the received authentication information is a system other than currency conversion, the control unit 320 transmits the authentication information to the system.

[0060] After executing the process of step S303, the control unit 320 stores various information included in the received authentication information in the storage unit 310 as transaction history information 313 (step S304). Specifically, in the process of step S304, as shown in FIG. 6, the control unit 320 stores the various information included in the received authentication information as transaction history information 313 by newly adding it. For example, when newly receiving authentication information in the state shown in FIG. 6, the various information included in the authentication information is added as No. 9.

[0061] After executing the process of step S304 shown in FIG. 10, the control unit 320 transmits a response to the authentication information transmitted in the process of step S303 to the information terminal 100 (step S305) and ends the transaction history accumulation process. Note that the response to the authentication information is received from the transmission destination in step S303. Also, when the response content to the authentication information includes an error, the information terminal 100 may display the error.

[0062] In this way, by performing the transaction history accumulation process, the transaction history information 313 is stored in the storage unit 310 of the information processing device 300. Note that the transaction history information 313 may be stored for each franchise store, for example.

[0063] Next, the change condition update process performed by the information processing apparatus 300 will be described with reference to FIG. 11. The change condition update process is a process of periodically changing the value of the exchange conversion fee change rate set in the change condition setting information 312. The change condition update process in this embodiment is executed at a predetermined time every day. In addition to this, for example, it may be performed weekly or monthly, or may be performed every time a preset time elapses. That is, it may be performed at a predetermined cycle.

[0064] When starting the change condition update process, the control unit 320 calculates the DCC selection rate by the function of the change condition update unit 325 (step S401). Specifically, in the process of step S401, the change condition progress unit 325 calculates the DCC selection rate, that is, the utilization rate of DCC, based on the presence or absence of DCC use indicated by the transaction history information 313. In the process of step S401, for example, the utilization rate of DCC may be calculated for each "No." of the change condition setting information 312 shown in FIG. 5 (that is, for each record of the change condition setting information). When the transaction history information 313 shown in FIG. 6 is stored in the storage unit 310, in the process of step S401, the change condition progress unit 325 may calculate the DCC selection rate corresponding to "No. 1" to "No. 4" and the DCC selection rate corresponding to "No. 5" to "No. 8", respectively.

[0065] After executing the process of step S401 shown in FIG. 11, the control unit 320 determines whether the DCC selection rate calculated in the process of step S401 achieves a preset target value by the function of the change condition update unit 325 (step S402). Specifically, in the process of step S402, the change condition update unit 325 determines whether the DCC selection rate calculated in the process of step S401 is equal to or greater than a target value indicating a preset target ratio, thereby determining whether the target value is achieved. In this embodiment, the target value is set to an arbitrary numerical value by the user for each "No." of the change condition setting information shown in FIG. 5 (that is, for each record of the change condition setting information), and is stored in the storage unit 110 in advance.

[0066] In the process of step S402 shown in FIG. 11, when it is determined that the DCC selection rate has achieved the target value (step S402; Yes), the control unit 320 ends the update process of the change conditions and the like as it is. On the other hand, in the process of step S402, when it is determined that the DCC selection rate has not achieved the target value (step S402; No), the control unit 320 updates the value of the exchange conversion fee change rate in the change condition setting information by the function of the change condition update unit 325 (step S403), and ends the update process of the change conditions and the like. Specifically, in the process of step S403, the change condition update unit 325 updates the value of the exchange conversion fee change rate according to the degree of deviation between the DCC selection rate and the target value. For example, if the deviation between the DCC selection rate and the target value is within a preset standard, in the process of step S403, the change condition update unit 325 changes the value of the exchange conversion fee change rate from the current value by "-0.50%". When the deviation between the DCC selection rate and the target value exceeds the preset standard, in the process of step S403, the change condition update unit 325 changes the value of the exchange conversion fee change rate from the current value by "-1.00%". The value of the exchange conversion fee change rate is updated according to the magnitude of the deviation between the DCC selection rate and the target value. Note that the change condition update unit 325 that executes the process of step S403 and step S403 correspond to the change condition update means and the change condition update step.

[0067] As described above, in the information processing apparatus 300 according to this embodiment, the value of the exchange conversion fee change rate is updated according to the magnitude of the deviation between the DCC selection rate and the target value. Therefore, the utilization rate of DCC can be improved.

[0068] (Modification example) Note that the present invention is not limited to the above embodiment, and various modifications and applications are possible. For example, the information processing apparatus 300 according to the above embodiment does not necessarily have all the technical features shown above. It may have some of the configurations described in the above embodiment so as to solve at least one problem in the prior art. Also, for each of the following modification examples, at least a part may be combined.

[0069] In the above embodiment, in the change condition and other update processing shown in FIG. 11, when the calculated DCC selection rate does not achieve the preset target value, an example of updating the value of the exchange rate conversion fee change rate of that record, that is, an example where all records are targets for update, is shown. However, this is just an example. The records for which the value of the exchange rate conversion fee change rate is to be updated may be arbitrarily set. For example, in the change condition and other setting information 312 shown in FIG. 5, "No. 1" to "No. 3" may be set as updatable, and records after "No. 4" may be excluded from the update targets.

[0070] Also, in the above embodiment, in the change condition and other update processing shown in FIG. 11, when the calculated DCC selection rate does not achieve the preset target value, an example of updating the value of the exchange rate conversion fee change rate according to the degree of deviation between the DCC selection rate and the target value is shown. However, for example, the value of the exchange rate conversion fee change rate to be updated may be calculated using AI (Artificial Intelligence).

[0071] Also, in the above embodiment, in the change condition and other update processing shown in FIG. 11, when the calculated DCC selection rate does not achieve the preset target value, an example of updating the value of the exchange rate conversion fee change rate according to the degree of deviation between the DCC selection rate and the target value, that is, an example of increasing the discount rate, is shown. However, this is just an example. In addition to this, when the calculated DCC selection rate significantly achieves the preset target value, the value of the exchange rate conversion fee change rate may be updated, for example, the discount rate may be lowered from "-2.00%" to "-1.50%". Specifically, a reference value may be set in advance as a condition for lowering the discount rate. The reference value may be any value higher than the target value, and the reference value may also be arbitrarily set or set by AI.

[0072] Also, in the above embodiment, in the change condition and other update processing shown in FIG. 11, an example of updating the value of the exchange rate conversion fee change rate is shown. However, this is just an example. Instead of the exchange rate conversion fee change rate, the exchange rate conversion fee itself may be updated.

[0073] Note that the information processing apparatus 100 according to the above embodiment can be realized not by a dedicated apparatus but by using a normal computer. For example, by installing a program for executing any of the above in a computer from a recording medium storing the program, an information processing apparatus 100 that executes the above processing may be configured. Further, one information processing apparatus 100 may be configured by a plurality of computers operating in cooperation.

[0074] Also, when the above functions are realized by sharing between an OS (Operating System) and an application or by cooperation between the OS and the application, etc., only the part other than the OS may be stored in a medium.

[0075] Also, it is possible to superimpose a program on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board (BBS, Bulletin Board System) on the communication network and the program may be distributed via the network. Then, by starting these programs and executing them in the same manner as other application programs under the control of the operating system, the above processing may be configured to be executable.

Explanation of Signs

[0076] 1 Information processing system, 100 Information terminal, 110, 310 Storage unit, 111, 311 Program, 112 Transaction information, 120 Control unit, 121 Transaction information generation unit, 122 Transaction information transmission unit, 123 Transaction screen generation unit, 124 Authentication processing unit, 130, 330 Input / output unit, 140, 340 Communication unit, 210 Network, 300 Information processing apparatus, 312 Change condition setting information, etc., 313 Transaction history information, 320 Control unit, 321 Exchange rate change determination unit, 322 Exchange rate change unit, 323 Exchange rate information generation unit, 324 Exchange rate information transmission unit, 325 Change condition update unit, etc.

Claims

1. When conducting commercial transactions in a second country that uses a currency different from that of the first country, a transaction information receiving means for receiving transaction information indicating the content of the commercial transaction; A foreign exchange conversion fee rate change determination means for determining whether to change the foreign exchange conversion fee rate for calculating the foreign exchange conversion fee added when settling in the currency of the first country, based on the transaction information received by the transaction information receiving means and a plurality of predetermined change conditions; A foreign exchange conversion fee rate change means for changing the foreign exchange conversion fee rate based on the discount rate of the foreign exchange conversion fee rate included in the change conditions when it is determined by the foreign exchange conversion fee rate change determination means to change the foreign exchange conversion fee rate; A change condition update means for updating the discount rate of the foreign exchange conversion fee rate based on the settlement history information in the commercial transaction; An information processing apparatus comprising the above.

2. The change condition update means calculates the ratio of settlements made in the currency of the first country based on the settlement history information in the commercial transaction, and updates the value of the discount rate of the foreign exchange conversion fee rate when the ratio does not achieve a predetermined target value. The information processing apparatus according to Claim 1.

3. The change condition update means calculates the ratio of settlements made in the currency of the first country based on the settlement history information in the commercial transaction, and updates the value of the discount rate of the foreign exchange conversion fee rate according to the degree of deviation between the ratio and a predetermined target value. The information processing apparatus according to Claim 1 or 2.

4. The change condition update means calculates the ratio of settlements made in the currency of the first country based on the settlement history information in the commercial transaction, and when the ratio achieves a reference value higher than a predetermined target value, raises the value of the discount rate of the foreign exchange conversion fee rate and updates it so that the size of the discount decreases. The information processing apparatus according to Claim 1 or 2.

5. When conducting commercial transactions in a second country that uses a currency different from that of the first country, a transaction information receiving step for receiving transaction information indicating the content of the commercial transaction; A foreign exchange conversion fee rate change determination step for determining whether to change the foreign exchange conversion fee rate for calculating the foreign exchange conversion fee added when settling in the currency of the first country, based on the transaction information received in the transaction information receiving step and a plurality of predetermined change conditions; When it is determined to change the foreign exchange conversion fee rate in the foreign exchange conversion fee rate change determination step, a foreign exchange conversion fee rate change step of changing the foreign exchange conversion fee rate based on the discount rate of the foreign exchange conversion fee rate included in the change condition; A change condition update step of updating the discount rate of the foreign exchange conversion fee rate based on the settlement history information in the commercial transaction; An information processing method comprising:

6. A computer, A transaction information receiving means for receiving transaction information indicating the content of the commercial transaction when conducting a commercial transaction in a second country that uses a currency different from that of the first country; A foreign exchange conversion fee rate change determination means for determining whether to change a foreign exchange conversion fee rate for calculating a foreign exchange conversion fee added when settling in the currency of the first country, based on the transaction information received by the transaction information receiving means and a plurality of predetermined change conditions; A foreign exchange conversion fee rate change means for changing the foreign exchange conversion fee rate based on the discount rate of the foreign exchange conversion fee rate included in the change condition when it is determined by the foreign exchange conversion fee rate change determination means to change the foreign exchange conversion fee rate; A change condition update means for updating the discount rate of the foreign exchange conversion fee rate based on the settlement history information in the commercial transaction; A program that functions as:

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