1. A point management system comprising: a point management processor configured to: allow an exchange of points among different customers via a communication network by using a communication terminal connected thereto, and add up points acquired by a customer and allow a transfer of points belonging to a point group, which allows customers to enjoy a benefit using the added-up points, wherein said point management processor further comprises: a currency exchange rate detector for detecting, via the communication network, a foreign exchange rate for a foreign currency; a specifying unit for enabling the customers operating the communication terminal to specify an exchange condition for carrying out the transfer of points belonging to the point group by exchanging the added-up points for other valuables; an exchange condition display for displaying on the communication terminal the exchange condition for points to be exchanged specified by the specifying unit, so as for the customer to determine whether or not an exchange is to be carried out and to specify an exchange condition of the customer while taking into consideration an exchange condition of another customer; a valuables selector for enabling the customers operating the communication terminal to select a type of valuables desired to be exchanged by the customer by confirming the exchange condition displayed by the exchange condition display; a foreign exchange rate reflection/display unit for automatically calculating a number of points to be exchanged so that when selecting points issued in a foreign country as the valuables, the foreign exchange rate of the foreign currency detected by the currency exchange rate detector is reflected on the number of points to be exchanged, and displaying on the communication terminal a point exchange condition on which a change in monetary value is reflected; a point exchange establishment status determining unit for determining an establishment status for a transfer of points belonging to a point exchange applicant; and a point exchange condition output unit for presenting to the point exchange applicant a predetermined point exchange condition in accordance with determination results of the point exchange establishment status determining unit, wherein a point exchange for the points issued in the foreign country reflect the foreign exchange rate thereon, and a point exchange under the point exchange condition presented by the point exchange condition output unit is allowed.