Wallet system management device, wallet system management method, program

Abstract

To enable the conversion of electronic value into different types when electronic value is transferred between wallets. [Solution] The system includes: an acquisition unit that acquires value transaction information relating to a transaction in which a first electronic value of a first type managed in a first wallet is converted into a second electronic value of a second type different from the first type managed in a second wallet and transferred to the second wallet; a generation unit that generates update information for processing to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet based on the value transaction information; and a management unit that manages the first electronic value and the second electronic value scheduled for transfer as a pending state until the processing to update the balances based on the update information is completed, and updates the information of the first electronic value and the second electronic value in the pending state based on information of a predetermined conversion ratio between the first type and the second type.

Description

Technical Field

[0001] The present invention relates to a wallet system management device, a wallet system management method, and a program.

Background Art

[0002] Conventionally, various systems related to a "wallet" for managing electronic value (hereinafter sometimes referred to as a "wallet system") have been provided.

[0003] The electronic value may be, for example, currency (e.g., yen, dollars, etc.), virtual currency, cryptocurrency, NFT (Non-Fungible Token), and points. That is, the electronic value has value digitally and includes currency and payment means that circulate digitally.

[0004] A wallet refers to a virtual container for storing electronic value associated with a user who uses the electronic value. That is, the wallet includes not only an online wallet, a hardware wallet, etc. provided to users of wallet services, but also accounts of financial institutions (e.g., bank accounts, securities accounts, or foreign exchange accounts), accounts of prepaid cards, central bank digital currency (CBDC) accounts, P2P (Peer-to-Peer) transaction accounts, accounts of transportation IC (Integrated Circuit), accounts for Pay functions of money transfer operators, accounts for online commerce, accounts for store use, etc.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] Patent Document 1 describes a system that enables the secure transfer of electronic value between multiple wallets that manage electronic value. However, this system does not assume that the type of electronic value differs between the source and destination wallets. For example, in this system, if the electronic value is managed in "yen" in the source wallet and in "dollars" in the destination wallet, the system does not assume that the electronic value will be converted from yen to dollars when the electronic value is transferred between wallets.

[0007] Therefore, the present invention has been made in view of the above, and aims to enable the conversion of electronic value into different types when electronic value is transferred between wallets. [Means for solving the problem]

[0008] A wallet system management device according to one aspect of this disclosure includes: an acquisition unit that acquires value transaction information relating to a transaction in which a first electronic value of a first type managed in a first wallet is converted into a second electronic value of a second type different from the first type managed in a second wallet and transferred to the second wallet; a generation unit that generates update information for processing to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet based on the value transaction information; and a management unit that manages the first electronic value and the second electronic value scheduled for transfer as a pending state until the processing to update the balances based on the update information is completed, and updates the information of the first electronic value and the second electronic value in the pending state based on information of a predetermined conversion ratio between the first type and the second type. A wallet system management method according to another aspect of this disclosure includes: a computer obtaining value transaction information relating to a transaction in which a computer converts a first electronic value of a first type managed in a first wallet into a second electronic value of a second type different from the first type managed in a second wallet and transfers it to the second wallet; generating update information for performing a process to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet based on the value transaction information; managing the first electronic value and the second electronic value scheduled for transfer as a pending state until the process of updating the balances based on the update information is completed; and updating the information of the first electronic value and the second electronic value in the pending state based on information of a predetermined conversion ratio between the first type and the second type.

[0009] A program relating to another aspect of this disclosure causes a computer to perform the following actions: obtain value transaction information relating to a transaction in which a first electronic value of a first type managed in a first wallet is converted into a second electronic value of a second type different from the first type managed in a second wallet and transferred to the second wallet; generate update information for performing a process to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet based on the value transaction information; manage the first electronic value and the second electronic value scheduled to be transferred in a pending state until the process of updating the balances based on the update information is completed; and update the information of the first electronic value and the second electronic value in the pending state based on information of a predetermined conversion ratio between the first type and the second type.

[0010] In this invention, "part," "apparatus," and "system" do not merely mean physical means, but also include cases where the functions of the "part," "apparatus," or "system" are realized by software. Furthermore, even if the functions of one "part," "apparatus," or "system" are realized by two or more physical means or devices, the functions of two or more "parts," "apparatus," or "systems" may be realized by one physical means or device. [Effects of the Invention]

[0011] According to an aspect of the present invention, when electronic value is transferred between wallets, it is possible to convert the electronic value into different types. [Brief explanation of the drawing]

[0012] [Figure 1] This figure shows an overview of the wallet system 1 according to this embodiment. [Figure 2] This figure shows a schematic configuration of the wallet system 1 according to this embodiment. [Figure 3] This figure shows an example of the hardware configuration of each device in the wallet system 1 according to this embodiment. [Figure 4] This figure shows an example of the functional configuration of the wallet system management device 10 according to this embodiment. [Figure 5] This figure shows an example of value transaction information D151 according to this embodiment. [Figure 6] This figure shows an example of wallet balance information D152 according to this embodiment. [Figure 7] This figure shows an example of update information D153 according to this embodiment. [Figure 8] This figure shows an example of transaction settlement information D154 according to this embodiment. [Figure 9] This figure shows an example of the display screen of terminal 20 according to this embodiment. [Figure 10] This figure shows an example of the display screen of terminal 20 according to this embodiment. [Figure 11]It is a diagram showing an example of the processing of the wallet system according to the present embodiment.

Mode for Carrying Out the Invention

[0013] Hereinafter, embodiments of the present invention will be described with reference to the drawings. However, the embodiments described below are merely examples, and there is no intention to exclude various modifications and applications of technologies not explicitly described below. That is, the present invention can be implemented with various modifications (such as combining each embodiment) without departing from its gist. Also, in the description of the following drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0014] <Outline of Configuration> FIG. 1 is a diagram showing an outline of a wallet system 1 according to an embodiment of the present invention. Here, it is assumed that a transaction is performed to transfer electronic value from wallet #0 to wallet #1. As an example, the electronic value is the Pay balance of a funds transfer operator, and it is assumed that the Pay balance of wallet #0 is in yen and the Pay balance of wallet #1 is in dollars.

[0015] (1) For example, user A operates terminal 20 to request the transfer of electronic value equivalent to 2,000 yen from wallet #0 associated with user A to wallet #1 of user B. (2) The wallet system management device 10 manages the electronic value traded between wallet #0 and wallet #1 as "pending." Pending means that the electronic value traded between wallets is restricted from being transferred to other transactions or used for transactions other than the one in question. This prevents transaction inconsistencies from occurring before the transaction information is reflected in the wallet balance. (3) On the other hand, information indicating the electronic value in the pending state may be displayed on terminal 20 of user A and / or user B. (4) While the electronic value is in the pending state, the deduction of electronic value between wallets is summarized and the wallet balance is updated. For example, the electronic value equivalent to 2,000 yen spent from wallet #0 is converted to another type (in this case, from yen to dollars), and an income of 20 dollars is reflected in the balance of wallet #1. As shown in (a), the wallet system management device 10 uses information on a predetermined conversion ratio for converting electronic value in the wallet system 1 to perform a conversion of electronic value at any of the timings (1) to (4) above. Here, as an example, the conversion ratio at timing (1), that is, when terminal 20 requests the transfer of electronic value from wallet #0 to wallet #1, is applied, and the conversion ratio applied at that time is assumed to be "1 dollar = 100 yen". By applying this conversion ratio to the electronic value equivalent to 2000 yen transferred from wallet #0, wallet #1 receives electronic value equivalent to 20 dollars.

[0016] Thus, the wallet system 1 is a system for trading electronic value via a wallet, and it provides a system that combines the management of the electronic value to be traded in a pending state until the transaction of electronic value between wallets is completed, and the conversion of the electronic value traded between wallets into another type of electronic value. The embodiments described above are merely embodiments of the present invention described below, and the present invention is not limited to the above embodiments.

[0017] FIG. 2 is a diagram showing a schematic configuration of the wallet system 1 according to the present embodiment. As shown in FIG. 1, the wallet system 1 includes a wallet system management device 10 and terminals 20.

[0018] The wallet system 1 is connected to the wallet system management device 10 and terminals 20 (for example, terminals 20A, 20B, and 20C) via a network N. Note that the wallet system management device 10 may be configured as the same information processing device, or may be configured by one or more different information processing devices. Also, FIG. 2 is merely an example, and the number of terminals 20 is not limited to those shown.

[0019] The wallet system management device 10 may be an information processing device that performs processing related to the management of wallets. For example, a user operates the terminal 20 to access the wallet system management device 10 and uses the wallet associated with himself / herself. The wallet system management device 10 manages, for example, a process of transferring the electronic value of a certain wallet to another wallet based on a request from the terminal 20.

[0020] Also, the wallet system management device 10 may be an information processing device that performs processing related to the management of service providers that provide wallets. Service providers are, for example, banks, securities companies, credit card companies, fund transfer operators, transportation IC providers, etc., but are not limited to these, and any service provider that provides a wallet may be used. Further, the wallet system management device 10 may perform processing related to the settlement of electronic value transactions between service providers via wallets.

[0021] Also, the wallet system management device 10 may be an information processing device that performs processing related to the management of the conversion ratio of electronic values traded between wallets. For example, a predetermined conversion ratio for converting yen to dollars is applied to the process of a transaction for transferring the electronic value from a wallet #0 holding an electronic value in yen to a wallet #1 holding an electronic value in dollars.

[0022] Terminal 20 is a device carried by a user of the wallet, or a device used for payments using the wallet (for example, a cash register terminal in a store), and may be a smartphone, tablet, personal computer, POS (Point of Sales) device, etc. Terminal 20 may have an application for using the wallet installed.

[0023] Network N may be any of the following: the Internet, LAN, telephone line, corporate network, mobile communication network, Bluetooth®, WiFi (Wireless Fidelity), other communication lines, or combinations thereof, and may be wired or wireless.

[0024] <Hardware Configuration> Figure 3 shows an example of the hardware configuration of each device (wallet system management device 10 and terminal 20) according to this embodiment. Each device has a processor 11 such as a CPU (Central Processing Unit) which corresponds to an arithmetic unit, a storage unit 12, a transmitting / receiving unit 13, and an input / output unit 14. These components are connected to each other via a bus so that data can be transmitted and received from each other.

[0025] The storage unit 12 is composed of, for example, memory, an HDD (Hard Disk Drive), and / or an SSD (Solid State Drive). The storage unit 12 may store various information necessary for the execution of processing by the processor 11 (for example, programs executed by the processor 11).

[0026] The transmitting / receiving unit 13 is a device that communicates via the network N, and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transmitting / receiving unit 13 may also include a transmitting unit that transmits various types of information via the network N, and / or a receiving unit that receives various types of information via the network N.

[0027] The input / output unit 14 includes, for example, an input unit such as a keyboard, touch panel, mouse, and / or microphone, and an output unit such as a display and / or speaker. The input unit receives various types of information from the user. The output unit may also include a display unit that displays various types of information.

[0028] The configuration described above is merely an example. Each device may omit some of the hardware shown in Figure 3, or may include hardware not shown in Figure 3. Furthermore, the hardware shown in Figure 3 may be composed of one or more chips.

[0029] <Functional Configuration> Figure 4 shows an example of the functional configuration of the wallet system management device 10. The wallet system management device comprises an acquisition unit 101, a generation unit 102, and a management unit 103. The means by which each of these functional units is implemented are, for example, by the processor 11 executing a program stored in the storage unit 12 shown in Figure 2.

[0030] The acquisition unit 101 acquires information regarding the transaction of electronic value between wallets (hereinafter referred to as "value transaction information") from the terminal 20. The value transaction information includes, for example, information indicating the transfer of electronic value from wallet #0 to wallet #1.

[0031] Figure 5 shows an example of value transaction information D151. As shown in Figure 5, value transaction information includes [Transaction ID], [Transfer Information], and "Transaction Value". [Transaction ID] stores an identification code that identifies each electronic value transaction conducted between wallets. [Transfer Information] stores information about the wallet from which the electronic value to be traded is transferred (e.g., "Wallet #0") and information about the wallet to which it is transferred (e.g., "Wallet #1"). Note that the source and destination wallets may be the same. An example of the case where the source and destination wallets are the same is when electronic value managed in one wallet is converted to another type of electronic value based on conversion ratio information. [Transaction Value] stores information indicating the amount of electronic value handled in one transaction. For example, in the transaction with transaction ID #0 in Figure 5, electronic value equivalent to 2000 yen in the source wallet #0 is traded as the transaction value. The transaction value may be specified by the user using the source wallet by operating terminal 20.

[0032] Furthermore, the transaction value may be specified as an electronic value of a type corresponding to the destination wallet. For example, in transaction ID #0 in Figure 5, if the electronic value of destination wallet #1 is denominated in US dollars, then "20 dollars" may be specified as the transaction value to correspond to that. This allows the amount of electronic value to be specified after it has been converted according to a predetermined conversion ratio to correspond to the destination wallet, making it possible to receive the desired amount of electronic value into the destination wallet.

[0033] Here, we will explain the predetermined conversion ratio for converting electronic value.

[0034] The conversion ratio is a conversion ratio used to convert electronic value in connection with the transaction of electronic value in the wallet system 1. The conversion ratio fluctuates according to the market price, and its information may be updated at regular intervals. The conversion ratio information may be external information referenced via the network N, and may be acquired by the transmitting / receiving unit 13 and stored in the storage unit 12. The conversion ratio may also be set independently by the provider of the wallet system. Furthermore, the conversion ratio may be set based on rules established between the business operator and the user of the wallet system 1.

[0035] The conversion ratio may include, for example, foreign exchange market data for converting currencies such as yen and dollars, exchange rates for electronic money, and exchange rates for cryptocurrencies and digital assets, or it may be a combination of such information. Furthermore, the conversion ratio may include information on fees when converting electronic value using the said conversion ratio. In this way, the conversion ratio includes the information on the conversion ratio necessary when the conversion of electronic value handled in wallet system 1 occurs, so that transactions involving the conversion of electronic value become possible in wallet system 1.

[0036] The generation unit 102 generates wallet balance information, including information about the wallet balance, based on the value transaction information acquired by the acquisition unit 101.

[0037] Figure 6 shows an example of wallet balance information D152. Wallet balance information D152 includes [Wallet ID], [Electronic Value], [Balance], [Service Provider], [Account Information], and [Holding Information]. [Wallet ID] stores information about an identification code used to identify the wallet being managed. Note that a wallet may be a collection of multiple wallets combined into one overall wallet. [Electronic Value] stores information indicating the type of electronic value held by the wallet. [Balance] stores information indicating the balance of electronic value in the wallet. The balance may not only indicate the remaining amount of electronic value stored in the wallet, but may also indicate information such as the available balance of a credit card. Furthermore, the balance may include information reflecting the amount of electronic value in a holding state. For example, in wallet ID #0, the balance after transferring electronic value is 398,000 yen, and the electronic value in a holding state is equivalent to 2,000 yen. [Service Provider] stores information indicating the service provider that provides the wallet. The [Holding Information] section stores information about electronic value managed as a pending state in connection with electronic value transactions between wallets. For example, when transferring electronic value equivalent to 2,000 yen from wallet #0 to wallet #1, that 2,000 yen equivalent electronic value is managed as a pending state. It may also be indicated that the pending electronic value in the destination wallet #1 is 2,000 yen. Furthermore, the management unit 103, described later, may apply a conversion ratio to the pending electronic value, so that the pending electronic value in wallet #1 is "20 dollars" (i.e., 20 dollars, the result of converting the 2,000 yen electronic value being transferred), as shown in Figure 6. Note that when a conversion ratio is applied to the pending electronic value, the amount of the pending electronic value stored in the holding information may be updated at regular intervals in accordance with changes in the conversion ratio.

[0038] Furthermore, the generation unit 102 generates update information for a wallet provider to update the balance of the electronic value of the wallet related to the transaction, based on the value transaction information acquired by the acquisition unit 101. The update information includes, for example, information to subtract 2,000 yen from the balance of wallet #0 and add 2,000 yen to the balance of wallet #1 when transferring electronic value equivalent to 2,000 yen from wallet #0 to wallet #1.

[0039] Figure 7 shows an example of update information D153. The update information includes [Wallet], [Service Provider], and [Update Details]. [Wallet] stores information indicating the wallet used for trading electronic value. [Service Provider] stores information indicating the service provider that offers the wallet used for trading electronic value. [Update Details] stores information indicating the balance of electronic value in the wallet resulting from the transaction.

[0040] Furthermore, the management unit 103, described later, may apply conversion ratio information to the update content information generated by the generation unit 102. For example, when transferring electronic value equivalent to 2,000 yen from wallet #0 to wallet #1, the management unit 103 may apply a conversion ratio of, for example, "1 dollar = 100 yen" to the electronic value of wallet #1 if it is denominated in dollars, resulting in "20 dollars".

[0041] Furthermore, the generation unit 102 may generate transaction settlement information based on the update information to settle the deduction of electronic value due to the transaction and reflect it in the balance of electronic value in the wallet. Transaction settlement information is information that confirms the details of a single transaction. Once the transaction of electronic value between wallets is completed, the management unit 103, described later, releases the pending state of the electronic value.

[0042] Figure 8 shows an example of transaction settlement information D154. The [Settlement ID] contains an identification code to identify each transaction settlement. The [Source] contains information indicating the source wallet and the electronic value to be spent. The [Destination] contains information indicating the destination wallet and the electronic value to be received.

[0043] Furthermore, the generation unit 102 may not only generate transaction settlement information for each transaction that occurs, but may also generate transaction settlement information that combines several transactions. For example, according to the update information D153 in Figure 7, the electronic value transactions between wallet #0 and wallet #1 may be settled together. Specifically, according to Figure 7, the update contents for wallet #0 are "minus 2000 yen" and "plus 300 yen", and the update contents for wallet #1 are "plus 2000 yen" and "minus 300 yen". Therefore, the generation unit 102 may, for example, combine the transactions at a predetermined timing (for example, daily) and generate transaction settlement information that results in "minus 1700 yen" for wallet #0 and "plus 1700 yen" for wallet #1. The generation unit 102 may use daily batch processing when combining transactions.

[0044] Furthermore, a conversion ratio may be applied to the electronic values ​​of the [Transfer Source] and [Transfer Destination] in Figure 8 by the management unit 103, which will be described later. For example, by applying a predetermined conversion ratio at the time of transaction settlement, it indicates that settlement will be performed at a conversion ratio of "1 dollar = 120 yen," as in transaction ID #0 in Figure 8. Alternatively, the conversion ratio used may be the conversion ratio at the time the value transaction information D151 was obtained. Thus, there are no limitations on when the conversion ratio is used or what conversion ratio is used.

[0045] Furthermore, the generation unit 102 may generate inter-business settlement information for settling electronic value transactions conducted using the wallet system 1 between businesses, based on the update information D153 and / or the transaction settlement information D154.

[0046] The generation unit 102 may, for example, generate inter-business settlement information (not shown) based on multiple transaction settlement information D154 at predetermined timings (e.g., daily or monthly). Inter-business settlement information is information used to settle transactions between multiple businesses that provide wallets to users and circulate electronic value in the wallet system, after the settlement of transactions between multiple wallets has been completed using the transaction settlement information, by summarizing the deduction of electronic value via wallets among the multiple businesses.

[0047] The settlement of transactions as used herein may refer to the process by which businesses resolve the deduction of electronic value via wallet system 1 according to predetermined rules, or it may refer to the exchange of money between businesses to correspond to the inflow and outflow of electronic value generated in wallet system 1. Furthermore, the settlement information between businesses may include system usage fees paid to the provider of wallet system 1. In addition, settlements between businesses may include, for example, the payment of a predetermined percentage of the amount of electronic value transactions between businesses to the provider of wallet system 1.

[0048] When generating inter-business settlement information, the generation unit 102 may use the settlement information for each wallet contained in the transaction settlement information D154 as is, or it may generate inter-business settlement information using a predetermined calculation method for settlement between businesses, for example, based on the information contained in the update information D153. Furthermore, if the generation unit 102 involves the conversion of electronic value and / or money when generating inter-business settlement information, it may follow a rule that applies a predetermined conversion ratio, which is defined separately. In this way, the inter-business settlement information allows all parties involved, including the provider of the wallet system and the businesses that provide wallets to users on the system, to settle the income and expenses arising from transactions in the wallet system 1.

[0049] The management unit 103 is a functional unit that processes transactions of electronic value between wallets.

[0050] For example, when the acquisition unit 101 acquires the value transaction information D151, the management unit 103 applies the conversion ratio to the value transaction information D151. For example, if the conversion ratio of "1 dollar = 100 yen" is applied when the value transaction information D151 is acquired, then, as shown in transaction ID #0 in Figure 5, electronic value equivalent to 2000 yen is paid out from the source wallet #0. Then, electronic value equivalent to 20 dollars becomes an income for the destination wallet #1.

[0051] Furthermore, the management unit 103 may apply a conversion ratio to the electronic value that is in a pending state. That is, even after the electronic value of the transaction subject is in a pending state, the fluctuating conversion ratio may be applied to the electronic value in a pending state in a timely manner. In that case, the management unit 103 may display on the display unit (input / output unit 14) of the terminal 20 how the amount changes as the conversion ratio is applied to the electronic value in a pending state from the time the electronic value is in a pending state until it is reflected in the wallet balance and the transaction is completed. This makes it possible to give the user an opportunity to decide whether to cancel the transaction if, for example, the amount of electronic value increases or decreases due to fluctuations in the conversion ratio while it is in a pending state.

[0052] Furthermore, the management unit 103 may apply the conversion ratio to the electronic value at the time when the electronic value transaction is settled and reflected in the wallet balance, that is, at the time the electronic value transaction is completed. This makes it possible to apply the conversion ratio at the completion of the transaction, rather than the conversion ratio at the start of the transaction.

[0053] The management unit 103, for example, reflects the balance information of each wallet in each wallet based on the wallet balance information D152 generated by the generation unit 102. In this way, the management unit 103 controls the amount of electronic value available on the system for each wallet.

[0054] Furthermore, the management unit 103 manages the electronic value to be transferred between wallets as being in a pending state, for example, based on the pending information in the wallet balance information D152, until the electronic value transaction between wallets is completed. The management unit 103 may then release the pending state once the transaction settlement process is completed.

[0055] For example, when the management unit 103 manages a transaction to transfer electronic value equivalent to 2,000 yen from wallet #0 to wallet #1, it sets the balance of wallet #0 from 400,000 yen to 398,000 yen based on the wallet balance information D152 shown in Figure 6. It also sets the balance of wallet #1 from 3,000 dollars to 3,020 dollars. On the other hand, it manages the electronic value equivalent to 2,000 yen that is the subject of the transaction as being in a pending state. By putting it in a pending state, the electronic value in a pending state cannot be used for other payments, etc., in wallet #0 and / or wallet #1. Then, once the transaction is settled based on the transaction settlement information D154 and the process of updating the balances of wallet #0 and wallet #1 is completed, the management unit 103 releases the pending state of the electronic value.

[0056] Furthermore, the management unit 103 may manage how the conversion ratio is applied in the transaction of electronic value between wallets.

[0057] The management unit 103 may, for example, decide to trade the electronic value using the conversion ratio at that time when it obtains value transaction information from the terminal 20. Alternatively, the management unit 103 may decide to trade the electronic value using the conversion ratio at that time when a transaction is settled based on the transaction settlement information D154.

[0058] Furthermore, the management unit 103 may change the applicable conversion ratio as appropriate. For example, when converting electronic value from yen to dollars, the management unit 103 may use publicly available foreign exchange market data as the conversion ratio, or it may use a conversion ratio determined independently by the wallet system provider, or it may use a combination of these (for example, an intermediate value between the two). In addition, the conversion ratio applied by the management unit 103 may be a conversion ratio agreed upon between the businesses providing the wallets. Thus, the management unit 103 does not limit what conversion ratio to use. Furthermore, it is not limited to when the management unit 103 applies the conversion ratio in the transaction of electronic value between wallets. In other words, as described above, the conversion ratio is a conversion ratio for converting electronic value in the wallet system 1, and is information that may fluctuate, for example, on a daily basis, but the conversion ratio does not have to be adopted as is. It may be set as appropriate on the wallet system 1, and the timing of applying the conversion ratio may also be changed as appropriate.

[0059] Furthermore, the management unit 103 may display information regarding electronic value transactions on the display unit of the terminal 20. For example, the management unit 103 may display information regarding electronic value being held in a pending state on the display unit of the terminal 20. For example, based on the acquired value transaction information and / or wallet balance information, the management unit 103 may display information regarding the balance of electronic value in the wallet, assuming that the electronic value has been transferred, on the display unit of the terminal 20 corresponding to each wallet. For example, as shown in Figure 9, when electronic value equivalent to 2,000 yen is transferred from wallet #0 to wallet #1, even if the electronic value equivalent to 2,000 yen is in a pending state, the balance of wallet #0 is assumed to have been transferred from wallet #0 to wallet #1, and a balance of 398,000 yen (400,000 yen minus 2,000 yen) is displayed on the display unit of the terminal 20 (for example, terminal 20A corresponding to wallet #0). On the other hand, in the case of an exchange rate of 1 dollar = 100 yen, the balance of wallet #1 will be displayed as 3020 dollars, which is 3000 dollars plus 20 dollars, on the display of terminal 20 (for example, terminal 20B corresponding to wallet #1). Note that Figure 9 is merely an example, and the management unit 103 may also display the pending electronic value on the display of terminal 20 corresponding to the wallet from which the transfer originated.

[0060] Furthermore, the management unit 103 may perform processing to display information regarding the wallet balance on the display unit of terminal 20, taking the conversion ratio into consideration. For example, in a transaction to transfer electronic value from wallet #0 to wallet #1, if the conversion ratio at the time of transaction settlement is adopted, the electronic value equivalent to 2,000 yen, which remains in a pending state, may be displayed in a timely manner on the display unit of terminal 20 (for example, terminal 20B corresponding to wallet #1) to show how its value fluctuates due to the fluctuating conversion ratio until the transaction settlement process is completed. Also, if the amount is specified in advance by the type of electronic value corresponding to the destination wallet #1 (for example, specifying "20 dollars"), as shown in Figure 10, the equivalent amount in terms of the electronic value of the source may be displayed in a timely manner on the display unit of terminal 20 (for example, terminal 20A corresponding to wallet #0) until the transaction settlement process is completed. This makes it possible for the user to decide to cancel the transfer process if, for example, the exchange rate of the conversion ratio fluctuates and the electronic value rises or falls.

[0061] <Processing Procedure> Referring to Figure 11, the processing procedure performed in the wallet system 1 according to one embodiment of the present invention will be described. Figure 11 is a sequence diagram showing an example of the processing procedure in the wallet system 1.

[0062] In the following example, we will conduct a transaction to transfer electronic value equivalent to 2,000 yen from wallet #0 to wallet #1. The electronic value is, for example, the Pay balance of a money transfer service provider, with the Pay balance of wallet #0 denominated in yen and the Pay balance of wallet #1 denominated in dollars. Furthermore, the conversion ratio at the time the transaction between wallets is requested will be applied to the transaction.

[0063] First, the wallet system management device 10 obtains value transaction information, including a request to transfer electronic value equivalent to 2,000 yen from wallet #0 to wallet #1 (step S11).

[0064] At this point, the wallet system management device 10 applies a conversion ratio to convert the electronic value of the source wallet #0 to the electronic value of the destination wallet #1 (step S12). Here, since the conversion ratio is "1 dollar = 100 yen" at the time the value transaction information is obtained, the electronic value equivalent to 2000 yen is determined to be equivalent to an electronic value equivalent to 20 dollars.

[0065] Furthermore, the wallet system management device 10 manages the electronic value equivalent to 2,000 yen (i.e., equivalent to 20 dollars) as a pending state (step S13).

[0066] Next, the pending electronic value may be displayed on the display unit of the terminal 20 corresponding to wallet #0, and / or wallet #1. Then, the wallet system management device 10 may display information on the balance when electronic value equivalent to 2,000 yen has been transferred on the display unit of the terminal 20 corresponding to wallet #0, and / or wallet #1 (step S14).

[0067] Next, the wallet system management device 10 generates update information based on the value transaction information, which is information for updating the balances between wallets (i.e., subtracting 2,000 yen in wallet #0 and adding 20 dollars in wallet #1) (step S15).

[0068] Next, the wallet system management device 10 generates transaction settlement information for each transaction based on the update information, to settle the deduction of electronic value and reflect it in the balance of the wallet's electronic value (step S16). Based on the transaction settlement information, the wallet system management device 10 reflects the information "minus 2,000 yen" in wallet #0 and the information "plus 20 dollars" in wallet #1 for the transaction in question (step S17).

[0069] Once the wallet system management device 10 has finished updating the balance information of each wallet, it releases the pending state of the electronic value (step S18).

[0070] Furthermore, the wallet system management device 10 collects transaction settlement information for multiple transactions, for example, through a daily batch process, and generates inter-business settlement information for settling transactions between businesses that took place in the wallet system 1 (step S19).

[0071] In the processing procedure described above, the timing at which the conversion ratio is applied is set to "the time when the value transaction information is acquired," but the timing of application of the conversion ratio is not limited to this. For example, as mentioned above, the conversion ratio may be applied at the time when the electronic value transaction is settled. Alternatively, the conversion ratio may be applied again when settlement between businesses is carried out using inter-business settlement information.

[0072] The steps described above are merely examples; the order of some steps may be changed, steps not shown may be added, and some steps may be omitted.

[0073] <Summary> As described above, in the wallet system 1 according to this embodiment, when trading electronic value between wallets, the electronic value involved in the transaction is managed in a pending state until the update of the electronic value balance in the wallet is completed, so that electronic value transactions can be conducted with confidence. Furthermore, the wallet system 1 can also handle the process of converting the traded electronic value into a different electronic value. As a result, users of the wallet system 1 will be able to trade a wider variety of electronic values ​​through the wallet system, and businesses providing wallets will be able to provide a platform that can circulate a wider variety of electronic values, and ultimately, a mechanism that can increase the liquidity of electronic value.

[0074] The embodiments described above are provided to facilitate understanding of the present invention and are not intended to limit its interpretation. The elements, arrangement, materials, conditions, shapes, and sizes of the embodiments are not limited to those exemplified and can be modified as appropriate. Furthermore, it is possible to partially substitute or combine the configurations shown in different embodiments. [Explanation of Symbols]

[0075] 1...Wallet system, 10...Wallet system management device, 20...Terminal, 11...Processor, 12...Storage unit, 13...Transmit / receive unit, 14...Input / output unit, 101...Acquisition unit, 102...Generation unit, 103...Management unit.

Claims

1. An acquisition unit that acquires value transaction information relating to a transaction in which a first electronic value of a first type managed in a first wallet is converted into a second electronic value of a second type different from the first type managed in a second wallet and transferred to the second wallet, A generation unit generates update information for performing a process to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet, based on the value transaction information, The system includes a management unit that manages the first electronic value and the second electronic value, which are scheduled to be transferred, in a pending state until the process of updating the balance based on the update information is completed, and updates the information of the first electronic value and the second electronic value in the pending state based on predetermined conversion ratio information between the first type and the second type. Wallet system management device.

2. The aforementioned management department, Assuming that the transaction has been completed based on the value transaction information, the terminal's display unit will display wallet balance information relating to the balances of the first and second wallets for the transaction, along with information indicating the pending first and second electronic values. The wallet system management device according to claim 1.

3. The management unit releases the pending state of the first electronic value and the second electronic value upon completion of the process of updating the balance. The wallet system management device according to claim 1.

4. The generation unit generates inter-business settlement information relating to settlement between multiple businesses providing the first wallet and the second wallet for the transaction, based on the update information and the conversion ratio information. The wallet system management device according to claim 1.

5. Computers The process involves converting a first type of electronic value managed in a first wallet into a second type of electronic value of a different type from the first type managed in a second wallet, and obtaining value transaction information relating to the transaction of transferring this value to the second wallet. Based on the value transaction information, generate update information for performing a process to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet, The first electronic value and the second electronic value, which are scheduled to be transferred, are managed in a pending state until the process of updating the balance based on the update information is completed, and the information of the first electronic value and the second electronic value in the pending state is updated based on information of a predetermined conversion ratio between the first type and the second type. How to manage your wallet system.

6. On the computer, The process involves converting a first type of electronic value managed in a first wallet into a second type of electronic value of a different type from the first type managed in a second wallet, and obtaining value transaction information relating to the transaction of transferring this value to the second wallet. Based on the value transaction information, generate update information for performing a process to update the balances of the first electronic value in the first wallet and the second electronic value in the second wallet, The first electronic value and the second electronic value, which are scheduled to be transferred, are managed in a pending state until the process of updating the balance based on the update information is completed, and the information of the first electronic value and the second electronic value in the pending state is updated based on information of a predetermined conversion ratio between the first type and the second type. program.

Images