CN111401886A - System and method for exchanging different card types in platform - Google Patents
System and method for exchanging different card types in platform Download PDFInfo
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- CN111401886A CN111401886A CN202010146964.2A CN202010146964A CN111401886A CN 111401886 A CN111401886 A CN 111401886A CN 202010146964 A CN202010146964 A CN 202010146964A CN 111401886 A CN111401886 A CN 111401886A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention relates to the technical field of network exchange of electronic card tickets, in particular to an exchange system and an exchange method among different card types in a platform, wherein the system comprises a demand module, a processing module, an interaction module and a secondary card module; the processing module acquires the condition information and sends an electronic card ticket generating signal to the auxiliary card module, the auxiliary card module generates a blank electronic card ticket as an auxiliary card, and the processing module deducts the amount of money in the electronic card tickets of both sides of the exchange and transfers the money to the auxiliary card. The invention can exchange the electronic card certificates of different merchants among different consumers.
Description
Technical Field
The invention relates to the technical field of network exchange of electronic card tickets, in particular to an exchange system and method for different card types in a platform.
Background
The rapid development of network technology promotes the network management of transaction information and consumption certificate information of merchants, and the online shopping provided by merchants is popular with consumers, and in order to attract and increase more consumers, merchants issue a certain amount of discount-promoting electronic coupons, such as membership cards, discount cards, rechargeable cards, and the like, which are issued by consumers in a manner of paying a certain amount of money, a small amount of lottery draw, or rewards.
At present, merchants issuing electronic cards use different systems respectively, the systems of all merchants operate independently, when consumers cannot use or do not want to use the held electronic cards and need the electronic cards of other merchants, the consumers can only obtain corresponding electronic cards by purchasing the electronic cards from the merchants in full, and if the consumers miss the purchasing time of the corresponding electronic cards, the consumers cannot purchase the electronic cards, network exchange of the electronic cards is generated.
The existing electronic card exchange mode is that respective systems are butted with a transaction platform in the exchange process, then data exchange can be carried out after the respective systems are butted with the transaction platform, and consumers of two exchange parties can not directly butt the data; or after the exchange intention is reached, the exchanger returns the balance in the electronic card to the merchant, and then the required party pays the balance to purchase the electronic card for the merchant, the total amount of card issuance of the merchant is changed all the time, so that the operation difficulty is extremely high.
Disclosure of Invention
The invention aims to provide an exchange system used among different card types in a platform, so as to solve the problem of great operation difficulty caused by the total amount change of card issuance of a merchant in the electronic card ticket exchange process.
The exchange system used among different card types in the platform comprises a demand module, a processing module, an interaction module and an auxiliary card module;
the system comprises a demand module, a processing module, an interaction module and a processing module, wherein the demand module is used for selecting electronic card tickets issued by merchants to issue exchange demands, the processing module acquires the exchange demands and sends the exchange demands to card holders of all the electronic card tickets of any merchant, the interaction module sends interaction information to the interaction module when acquiring agreement information of the card holders agreeing to exchange, the interaction module is used for the two exchange parties to carry out interaction of condition information, and the interaction module sends the interaction condition information to the processing module;
the processing module acquires the condition information and sends a card ticket generating signal to the auxiliary card module, the auxiliary card module generates a blank electronic card ticket as an auxiliary card according to the card ticket generating signal, and the processing module deducts the exchange amount in the electronic card ticket of the exchange party according to the condition information and transfers the exchange amount to the blank electronic card ticket.
The beneficial effect of this scheme is:
when a consumer needs a certain type of electronic card, an exchange demand is sent through a demand module, for example, the consumer B holds the exchange demand of the B merchant electronic card on the A merchant electronic card, when the consumer sees the information meeting the demand, the demand party can interact condition information with a card holder of the demand electronic card through an interaction module, for example, the consumer who wants to exchange the A merchant electronic card carries out interaction of balance amount, quantity and type, or carries out exchange of the amount and quantity with the consumer who holds the B merchant electronic card on the A merchant electronic card, after the two parties of the consumer reach the exchanged condition information, a processing module obtains the condition information and sends a card ticket generating signal to a secondary card module, then the secondary card module generates the electronic card serving as a secondary card, and the processing module deducts the amount in the electronic card of the two parties of the exchange according to blank condition information, and transferring the deducted amount to a blank electronic card.
The invention exchanges the electronic card coupons of different merchants, can lead consumers to obtain the required electronic card coupons in an exchange mode, avoids the loss caused by the fact that the consumers cannot use or do not want to use the electronic card coupons held by the consumers, improves the utilization rate of the electronic card coupons, and simultaneously, directly transfers the money in the electronic card coupons of both parties by generating a new blank electronic card coupons as a secondary card mode, does not influence the normal use of card holders of the electronic card coupons, does not need the merchants to issue the electronic card coupons again, avoids the frequent change of the total amount of the issued coupons of the merchants, and reduces the operation difficulty.
The electronic card information processing system further comprises a submitting module, and the submitting module submits the electronic card information to the processing module for shelving when the exchange requirement is issued.
The beneficial effects are that: when the exchange requirement is issued, because the condition information interaction is required between the two parties, the electronic card information is submitted to the processing module through the submitting module before the condition information interaction is completed, and the smoothness in transferring the money in the electronic card is ensured.
The system further comprises an issuing module and a docking module, wherein the issuing module is used for issuing the electronic card coupons by merchants, and the docking module is used for receiving the information of the electronic card coupons issued by the merchants outside the issuing module.
The beneficial effects are that: the merchant issues the electronic card, and the information of the electronic card issued by the merchant is acquired through the butt-joint module, so that the diversity of the information of the electronic card is improved, the merchant can use the electronic card conveniently, and the integrity and timeliness of the information of the electronic card are improved.
Furthermore, the processing module integrates the exchange amount in the electronic card tickets with the consent information to form the exchange amount of the exchange requirement, and the processing module integrates the electronic card tickets with the same type as the electronic card tickets in the exchange requirement and corresponding to the consent information.
The beneficial effects are that: the exchange amount of the electronic card corresponding to the agreement information is integrated to form the exchange amount of the exchange requirement, for example, the exchange requirement of 100 yuan electronic card of A merchant is integrated from the electronic card of 20 yuan, 10 yuan, 11 yuan, 32 yuan and the like of the agreement information of the A merchant, thereby avoiding that the electronic card meeting the requirement can not be exchanged all the time and improving the speed and the success rate of the electronic card exchange.
Further, the integration is stopped when the exchange amount in the electronic card ticket of which the agreement information is obtained is larger than or equal to the exchange amount of the exchange requirement, and the exchange amount in the electronic card ticket corresponding to the agreement information is used as the exchange amount of the exchange requirement by the processing module.
The beneficial effects are that: when the electronic card of which the exchange amount of the agreement information is equal to or larger than the exchange amount of the exchange demand, the integration is stopped to quickly exchange the exchange amount required by the exchange demand, so that the exchange amount required by the exchange demand cannot be integrated all the time.
Further, the processing module comprises a detaching unit which detaches the exchange amount of the exchange requirement from the exchange amount in the electronic card ticket of the agreement information.
The beneficial effects are that: when the exchange amount of the agreement information is larger than the exchange amount of the exchange requirement, the exchange amount of the exchange requirement is separated from the exchange amount of the electronic card ticket of the agreement information through the separating unit, and disorder of the money in the electronic card ticket corresponding to the agreement information is avoided.
Further, the auxiliary card module generates blank electronic card tickets corresponding to the electronic card ticket types for both the exchange parties according to the condition information, and the processing module writes exchange data into the blank electronic card tickets of both the exchange parties according to the condition information.
The beneficial effects are that: the auxiliary card module generates blank electronic cards with the same electronic card type for both exchange parties according to the condition information, presents a new carrier in an auxiliary card mode, and transfers data, so that the problem of copying an entity card which cannot be copied is solved, the use of a card holder is not influenced, and the problem of large change of the issuing quantity caused by repeated issuing of the cards by a merchant is prevented.
The system further comprises a payment module, the condition information of the exchange requirement comprises equivalent information or inequality information, the equivalent information and the inequality information are distinguished through whether the exchange amount is equal or not, the processing module sends the equivalent information or the inequality information to the auxiliary card module, the processing module sends a payment signal to the payment module when the condition information comprises the inequality information, the payment module sends payment information to both exchange parties according to the payment signal, and the payment information is displayed in a percentage mode.
The beneficial effects are that: the exchange requirement can be equivalent exchange for electronic cards of the same merchant type, for example, equivalent exchange for electronic cards issued by 200 yuan gymnasium merchants and 200 yuan beauty merchants, or unequal exchange for electronic cards of different merchant types, for example, unequal exchange for electronic cards of 200 yuan supermarket merchants and electronic cards of 120 yuan gasoline merchants, so that diversity of electronic card exchange is improved, a user can quickly exchange required electronic cards, user experience is improved, payment information is sent through a payment module to pay for unequal exchange, for example, a two-dimensional payment code is sent as payment information, exchange failure caused by dissatisfaction of any party of two exchange parties due to unequal exchange is prevented, and success rate of exchange is improved.
Further, the payment module is used for sending recharging information to a card holder of the auxiliary card, the payment module sends a recharging signal to the processing module after completing payment, and the processing module adds money to the auxiliary card.
The beneficial effects are that: the charging payment is carried out through the payment module after the use of the money in the auxiliary card is finished, the auxiliary card does not need to transfer money from the original electronic card, and the use of the auxiliary card and the original electronic card is convenient.
The method for exchanging the different card types in the platform applies the exchange system for the different card types in the platform.
Drawings
FIG. 1 is a logic diagram of a switching system for use between different card types in a platform according to an embodiment of the present invention;
fig. 2 is a block diagram of a flow chart of an exchange method between different card types in a platform according to an embodiment of the present invention.
Detailed Description
The following is a more detailed description of the present invention by way of specific embodiments.
Example one
For a switching system between different card types in a platform, as shown in fig. 1: including demand module, processing module, interactive module, vice card module, submit the module, butt joint module, issue module and payment module, demand module wireless connection processing module, interactive module signal connection processing module, vice card module signal connection processing module submits module signal connection processing module, issues module signal connection processing module, payment module signal connection processing module, processing module can be current high in the clouds server.
The method for exchanging between different card types in a platform based on the above-mentioned exchange system for between different card types in a platform, as shown in fig. 2, includes the following contents:
before exchanging electronic cards, merchants issue the electronic cards through an issuing module, for example, a discount card which is issued by a supermarket merchant and charges 1000 yuan to sell commodities at 9.5 folds, each electronic card has a unique identification code, for example, A1247890001.
When a user needs to issue an exchange demand, a demand module is used for selecting an electronic card issued by a held merchant to issue the exchange demand, the demand module can be a terminal of a mobile phone, a notebook computer, a tablet personal computer and the like of the user, the exchange demand can be two discount cards of A supermarket merchants, a membership card of B gymnasium merchants or a rechargeable card of C beauty shop merchants, and the like, when the exchange demand is issued, the electronic card information is submitted to a processing module for shelving through a submitting module, namely the electronic card information is filed and stored, the processing module obtains the exchange demand and sends the exchange demand to all electronic card holders of any merchant, for example, the exchange demand of the discount card of the B merchant is sent to all discount card holders of the A supermarket, and the processing module sends interaction information to an interaction module when the processing module obtains agreement information of the card holders for exchange, when a party holding the electronic card receives an exchange requirement, the cardholder sends agreement information agreeing to exchange through a requirement module, the agreement information can be sent in a short message or network message mode, the interactive information sent after the processing module obtains the agreement information can be a website for establishing interactive links, the interactive module is used for the exchange of condition information of the electronic card, the condition information can be the amount of money in the electronic card to be exchanged and corresponding discount information, the amount of money is exchanged as the exchange amount, the condition information such as exchange of 200-element membership cards of B gymnasium merchants is exchanged at 90% discount, or exchange of 400-element recharging cards of D oil card merchants is exchanged at 90% discount, and after the interactive module achieves the exchange requirement, the interactive module sends the interactive condition information to the processing module.
The processing module acquires condition information and sends a card ticket generating signal of an electronic card ticket to the auxiliary card module, the auxiliary card module generates a blank electronic card ticket as an auxiliary card according to the card ticket generating signal, the auxiliary card module generates an auxiliary card according to the type of the electronic card ticket corresponding to the two exchanging parties, the identification codes of the auxiliary card and the electronic card ticket of the exchanging party are the same, for example, the two exchanging parties exchange the electronic card ticket of 200 yuan of a B gymnasium merchant and the electronic card of 200 yuan of a C beauty parlor merchant, the blank electronic card of which the identification code of the electronic card ticket of the C beauty parlor merchant is C4212154002 is generated as the auxiliary card for the card holder of the C beauty parlor merchant, the blank electronic card of which the identification code of the electronic card ticket of the B gymnasium merchant is B3217890001 is generated as the auxiliary card for the card holder of the C beauty parlor, the processing module deducts the amount in the electronic card tickets corresponding to the, for example, 200 yuan deducted from the merchant electronic card ticket of the fitness house B is transferred to a blank electronic card ticket corresponding to the merchant of the beauty institute C to the card holder of the electronic card ticket of the merchant of the beauty institute C, and 200 yuan deducted from the merchant electronic card ticket of the beauty institute C is transferred to the blank electronic card ticket corresponding to the merchant of the beauty institute C to the card holder of the merchant electronic card of the fitness house B.
The auxiliary card module generates blank electronic card tickets corresponding to the types of the electronic card tickets of the two exchange parties according to the condition information, for example, the two exchange parties are the electronic card tickets of a supermarket merchant A and a gymnasium merchant B respectively, the auxiliary card module generates the blank electronic card ticket of the gymnasium merchant B for the card holder of the electronic card ticket of the supermarket merchant A, and the auxiliary card module generates the blank electronic card ticket of the supermarket merchant A for the card holder of the merchant of the gymnasium B.
The condition information of the exchange requirement comprises equivalent information or inequality information, the equivalent information and the inequality information are distinguished by whether the exchange amount is equal, for example, the 200-element electronic card of a supermarket merchant and the 200-element electronic card of a market B are equivalent, for example, the 300-element electronic card of a shop of a gymnasium merchant and the 350-element electronic card of a shop of a beauty shop C are inequality, the processing module sends the equivalent information or the inequality information to the auxiliary card module, the processing module sends a payment signal to the payment module when the condition information comprises the inequality information, the payment module sends payment information to both parties of the exchange according to the payment signal, the payment information is displayed in a percentage mode, for example, the exchange amount is 90% discount payment information, the payment information can be two-dimensional code information and the like, and when the amount in the auxiliary card is used up, the payment module sends recharging information to the card holder of the auxiliary card, the payment module sends a recharging signal to the processing module after completing payment, and the processing module adds money to the auxiliary card.
In the first embodiment, the electronic coupons of different merchants held by the cardholder are exchanged, and corresponding blank electronic coupons are generated as the secondary cards for the two parties of the exchange, so that the use of the cardholder of the original electronic coupon is not affected, meanwhile, the auxiliary card is directly charged after the use of the auxiliary card is finished, the use of the exchanged electronic card is convenient, even if the card holder of the electronic card ticket is not used, other users without the corresponding electronic card ticket can use the electronic card ticket, the propaganda degree of the electronic card ticket issued by a merchant and the use efficiency of the electronic card ticket are increased, and the electronic card is issued in the form of a secondary card, the merchant does not need to change the issuing amount of the electronic card, the difficulty of operation caused by frequent change of the total amount of the electronic card issued by the merchant is prevented, when the electronic card with different values is exchanged, the payment is carried out through the payment module, so that the loss of a card holder of the electronic card is reduced, and the exchange success rate of the electronic card in the exchange requirement is improved.
Example two
The difference from the first embodiment is that, when electronic card certificates are exchanged, the processing module integrates the exchange amounts in the electronic card certificates with the obtained agreement information to form the exchange amount of the exchange requirement, that is, the processing module integrates the electronic card certificates corresponding to the agreement information with the same type as the electronic card certificates in the exchange requirement, for example, the exchange requirement is 100 yuan of the supermarket merchant A, the exchange amounts in the electronic card certificates with the obtained agreement information, such as 20 yuan, 10 yuan, 11 yuan and 32 yuan, are formed into the exchange amount of the exchange requirement, that is, the exchange amount of the exchange requirement is obtained by summing up the exchange amounts in the electronic card certificates of the supermarket merchant A, and the integration is stopped when the exchange amount in the electronic card certificates with the obtained agreement information is greater than or equal to the exchange amount of the exchange requirement, for example, the electronic card certificate with the exchange requirement of B200 yuan, the exchange amount of the electronic card voucher corresponding to the shop B of a certain agreement information is 200 yuan or 300 yuan, the processing module takes the exchange amount in the electronic card voucher corresponding to the agreement information as the exchange amount of the exchange requirement, namely the electronic card voucher with the complete amount as the exchange target, and the operation of taking other small-amount electronic card vouchers as the exchange target is suspended, the processing module comprises a splitting unit, the splitting unit splits the exchange amount of the exchange requirement from the exchange amount in the electronic card voucher corresponding to the agreement information, for example, 200 yuan from the electronic card voucher of the supermarket of 300 yuan B is split for exchange, and the process can be completed by subtraction.
In the second embodiment, the exchange amounts in the electronic card certificates corresponding to the plurality of agreement information are integrated to form the exchange amount of the exchange requirement, so that the electronic card certificates which meet the requirement cannot be exchanged all the time are avoided, and when the exchange amount of the agreement information is equal to or larger than the exchange amount of the exchange requirement, the integration is stopped, so that the exchange amount required by the exchange requirement is obtained through fast exchange, the exchange amount required by the exchange requirement cannot be integrated all the time is prevented, and the speed and the success rate of exchanging the electronic card certificates are improved.
The foregoing is merely an example of the present invention and common general knowledge of known specific structures and features of the embodiments is not described herein in any greater detail. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (10)
1. A switching system for use between different card types in a platform, characterized by: the system comprises a demand module, a processing module, an interaction module and an auxiliary card module;
the system comprises a demand module, a processing module, an interaction module and a processing module, wherein the demand module is used for selecting electronic card tickets issued by merchants to issue exchange demands, the processing module acquires the exchange demands and sends the exchange demands to card holders of all the electronic card tickets of any merchant, the interaction module sends interaction information to the interaction module when acquiring agreement information of the card holders agreeing to exchange, the interaction module is used for the two exchange parties to carry out interaction of condition information, and the interaction module sends the interaction condition information to the processing module;
the processing module acquires the condition information and sends a card ticket generating signal to the auxiliary card module, the auxiliary card module generates a blank electronic card ticket as an auxiliary card according to the card ticket generating signal, and the processing module deducts the exchange amount in the electronic card ticket of the exchange party according to the condition information and transfers the exchange amount to the blank electronic card ticket.
2. The system of claim 1, wherein: the electronic card information processing system further comprises a submitting module, and the submitting module submits the electronic card information to the processing module for shelving when the exchange requirement is issued.
3. The system of claim 1, wherein: the electronic card issuing system further comprises an issuing module and a docking module, wherein the issuing module is used for issuing the electronic card tickets for the merchants, and the docking module is used for receiving the information of the electronic card tickets issued by the merchants outside the issuing module.
4. The system of claim 1, wherein: the processing module integrates the exchange amount in the electronic card tickets with the consent information to form the exchange amount of the exchange requirement, and the processing module integrates the electronic card tickets with the same type as the electronic card tickets in the exchange requirement and corresponding to the consent information.
5. The system of claim 4, wherein: and the processing module stops integration when the exchange amount in the electronic card ticket of the agreement information is larger than or equal to the exchange amount of the exchange requirement, and the processing module takes the exchange amount in the electronic card ticket corresponding to the agreement information as the exchange amount of the exchange requirement.
6. The system of claim 5, wherein: the processing module comprises a splitting unit which splits the exchange amount of the exchange requirement from the exchange amount in the electronic card coupon agreeing with the information.
7. The system of claim 1, wherein: the condition information of the exchange requirement comprises equivalent information or inequality information, the equivalent information and the inequality information are distinguished through whether exchange money is equal or not, the processing module sends the equivalent information or the inequality information to the auxiliary card module, the auxiliary card module generates blank electronic cards corresponding to the types of the electronic cards for both parties of the exchange according to the condition information, and the processing module writes exchange data into the blank electronic cards of both parties of the exchange according to the condition information.
8. The system of claim 7, wherein: the system comprises a processing module and a payment module, wherein the processing module sends a payment signal to the payment module when the condition information comprises the inequality information, the payment module sends payment information to both exchange parties according to the payment signal, and the payment information is displayed in a percentage mode.
9. The system of claim 8, wherein: the payment module is used for sending recharging information to a card holder of the auxiliary card, the payment module sends a recharging signal to the processing module after completing payment, and the processing module adds money to the auxiliary card.
10. Method for exchanging between different card types in a platform using an exchange system for exchanging between different card types in a platform according to any of claims 1 to 9.
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| CN113408990A (en) * | 2021-06-29 | 2021-09-17 | 满帮信息咨询有限公司 | Freight order processing method, system, electronic equipment and storage medium |
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