CROSS-REFERENCE TO RELATED APPLICATIONS

This application is based upon and claims the benefit of priority from prior Japanese Patent Application No. 2019-200275, filed Nov. 1, 2019, the entire contents of which are incorporated herein by reference.

FIELD

The present invention relates generally to an electronic money management system and electronic money management method.

BACKGROUND

Traditionally, when traveling abroad, a traveler converts the currency of his/her own country to a currency of a given destination at a money exchange based on an exchange rate at the time of exchange. After returning from the trip, the traveler re-converts the destination currency to the home country currency at the money exchange. At the point of every currency exchange, the traveler needs to pay some form of commission fee in order to exchange money.

CITATION LIST

Patent Literature

Patent Literature 1: Jpn. Pat. Appln. KOKAI Publication No. 2006-318229

SUMMARY

There has been a problem, however, with the above-described method in that the traditional form of money exchange is both time-consuming and cumbersome, requiring the traveler to visit the currency exchange both before and after the trip in question.

To solve the above issue and achieve a purpose of the embodiments, the electronic money management system includes: a fund charging controller configured to perform a control in a manner such that, if a transaction is made on a user's terminal through an electronic money service of a first country to charge a designated amount of funds in a currency of a second country, the currency of the second country differing from a currency of the first country, the designated amount of funds in the currency of the second country is charged based on an exchange rate at time of the transaction; and a deduction unit configured to, if an electronic money service of the second country is used on the terminal, deduct an amount used from the currency of the second country charged by the fund charging controller.

In addition, the electronic money management method implemented by the electronic money management system includes: performing a control in a manner such that, if a transaction is made on a user's terminal through an electronic money service of a first country to charge a designated amount of funds in a currency of a second country, the currency of the second country differing from a currency of the first country, the designated amount of funds in the currency of the second country is charged based on an exchange rate at time of the transaction; and deducting, if an electronic money service of the second country is used on the terminal, an amount used from the currency of the second country charged by performing the control.

The present embodiments offer the advantageous effects of reducing the time required and simplifying the cumbersome procedure for currency exchange.

