TW202143152A - Inter-bank point conversion system and inter-bank point conversion method - Google Patents

Abstract

The invention provides an inter-bank point conversion system and an inter-bank point conversion method. The method includes: obtaining an inter-bank point conversion request of a user, wherein the inter-bank point conversion request includes transferring a first point amount of a first bank to a second bank; converting the first point amount to a first cash amount according to a first point conversion ratio of the first bank; transferring the first cash amount to a second bank server; converting the first cash amount to a second point amount corresponding to the second bank according to a second point conversion ratio of the second bank; depositing the second point amount into a second point account of the user at the second bank.

Description

Interline point conversion system and interline point conversion method

The present invention relates to an inter-bank financial mechanism, and particularly relates to an inter-bank point conversion system and an inter-bank point conversion method.

In order to attract customers, banks have started to develop points or bonus reward services in recent years. Customers can receive points, coins, bonuses and other different reward services (hereinafter referred to as bank reward services) as long as they complete designated transactions or services. Most customers have more than one bank, so it is common to have different types of bank feedback services.

In order to enable the use of feedback services of various banks to promote consumption, those skilled in the art urgently need to develop a technical solution that allows customers to quickly convert the "bank feedback services" of different banks.

In view of this, the present invention provides a cross-line point conversion system and a cross-line point conversion method, which can be used to solve the above technical problems.

The invention provides an inter-bank point conversion system, which includes a first bank server and a second bank server. The first bank server corresponds to a first bank. The second bank server corresponds to a second bank. The first bank server provides a point conversion page, and obtains an inter-bank point conversion request entered by a user on the point conversion page, where the inter-bank point conversion request includes transferring a first point amount of a first bank to A second bank, and the first bank corresponds to the first bank server, and the second bank corresponds to a second bank server. The first bank server deducts the first point amount from a first point account of the user in the first bank. The first bank server converts the first point amount into a first cash amount according to a first point conversion ratio of the first bank, and authenticates the user. In response to determining that the user is authenticated, the first bank server transfers the first cash amount to the second bank server. The second bank server converts the first cash amount into a second point amount corresponding to the second bank according to a second point conversion ratio of the second bank. The second bank server deposits the second point amount into a second point account of the user in the second bank.

The present invention provides an inter-bank point conversion method, which includes: a first bank server provides a point conversion page, and obtains an inter-bank point conversion request input by a user on the point conversion page, wherein the inter-bank point conversion request It includes transferring a first point amount of a first bank to a second bank, and the first bank corresponds to the first bank server, and the second bank corresponds to a second bank server; the first bank server transfers The first point amount is deducted from a first point account of the user in the first bank; the first bank server converts the first point amount into a first cash amount according to a first point conversion ratio of the first bank , And verify the user; in response to determining that the user is authenticated, the first bank server transfers the first amount of cash to the second bank server; the second bank server converts it according to a second point of the second bank The ratio converts the first cash amount into a second point amount corresponding to the second bank; the second bank server deposits the second point amount into a second point account of the user in the second bank.

Based on the above, the present invention allows users to quickly complete the conversion of cross-line points, thereby achieving the effect of concentrated use.

Please refer to FIG. 1, which is a schematic diagram of a cross-line point conversion system according to an embodiment of the present invention. In FIG. 1, the inter-bank point conversion system 100 may include a first bank server 110 and a second bank server 120. In the embodiment of the present invention, the first bank server 110 can correspond to a first bank, and can be used to manage any financial/user information related to the first bank, such as personal information (identity information) retained by the customer when opening an account. /Contact information, etc.), account content, transaction behavior, feedback services, etc. In different embodiments, the above-mentioned feedback service is, for example, the points allocated by the first bank to the user when the user performs certain specified behaviors (such as consumption, etc.), and the points can be stored in the user in the first The first point account in the bank can have different pronouns (such as xx coins, xx bonuses, etc.) depending on the bank. For ease of description, the points referred to in the present invention generally refer to various reward services issued by banks, such as xx coins, xx bonuses, etc., and are not limited to the term "points".

In addition, the second bank server 120 can correspond to a second bank different from the first bank, and can be used to manage any financial/user information related to the second bank.

In the embodiment of the present invention, the first bank server 110 and the second bank server 120 can cooperate to implement the cross-bank point conversion method proposed by the present invention. The details are as follows.

Please refer to FIG. 2, which is a flowchart of a method for converting cross-line points according to an embodiment of the present invention. The method of this embodiment can be executed by the cross-line point conversion system 100 of FIG.

First, in step S210, the first bank server 110 may provide a point conversion page, and obtain the cross-bank point conversion request input by the user on the point conversion page. For example, suppose that the user has a second point account at the second bank (that is, an account used to store the rebate service issued by the second bank), and wants to transfer the points in the first point account to the second bank. Two-point account. In this case, the user can access the point conversion page provided by the first bank server 110 and input the relevant inter-bank point conversion request.

For example, the above point conversion page may provide a target bank menu, which may include multiple banks that can be used as points transfer targets, and the user may select the second bank from them, for example, to set the second bank It is the target bank for points transfer, but it is not limited to this. In addition, the above point conversion page may also include the remaining points of the first point account and a field for transferring out points, where the remaining points can let the user know how many points are available in the first point account. For transfer, and the transfer point field allows the user to input the points to be transferred from the first point account (hereinafter referred to as the first point quantity).

For ease of description, the following assumes that the user wants to transfer 3000 of the remaining 5000 points of the first point account to the second point account, but this is only for example, and is not intended to limit the possible implementation of the present invention. In this case, the user can enter 3000 (ie, the first number of points) in the transfer-out points field of the above-mentioned point conversion page, but the present invention may not be limited to this.

Based on this, after the user completes the above input in the above point conversion page, the first bank server 110 can determine that the user's point conversion request has been obtained.

After that, in step S220, the first bank server 110 may deduct the first point amount from the user's first point account in the first bank. Following the above example, the first bank server 110 may deduct 3000 points from the first point account, so that the remaining points of the first point account are 2000 points.

Then, in step S230, the first bank server 110 may convert the first point amount into the first cash amount according to the first point exchange ratio of the first bank, and authenticate the user. In an embodiment, the first point conversion ratio may be the first bank's first point to cash ratio, which may be characterized as W:X. Also, the first bank server 110 may multiply the first point amount by X and divide by W to obtain the first cash amount.

For example, assuming that 100 points of the first bank correspond to 1 yuan of cash, the above-mentioned first point conversion ratio can be characterized as 100:1 (that is, W is 100 and X is 1). In this case, the first bank server 110 may multiply 3000 by 1 and divide by 100 to obtain 30 (ie, the first cash amount). In short, the user's point conversion request is the same as the transfer of 30 yuan from the first bank to the second bank, but it is not limited to this.

In addition, in one embodiment, when the first bank server 110 authenticates the user, a transaction verification code may be sent to the phone device corresponding to the user (for example, the user's mobile phone). Correspondingly, the user can input the verification code on the above point conversion page according to the received transaction verification code. Afterwards, in response to determining that the verification code entered by the user on the point conversion page matches the above transaction verification code, the first bank server 110 may determine that the user has passed the verification, otherwise, it may determine that the user has not passed the verification, but it is not limited to this. .

In step S240, in response to determining that the user passes the verification, the first bank server 110 transfers the first cash amount (for example, 30 yuan) to the second bank server 120.

In step S250, the second bank server 120 may convert the first cash amount into a second point amount corresponding to the second bank according to the second point conversion ratio of the second bank.

In one embodiment, before step S250, the first bank server 110 may also provide the user's first personal information (such as ID number, phone number, etc.) stored in the first bank to the second bank server 120, so that The second bank server 120 determines whether the above-mentioned first personal information matches the second personal information stored by the user in the second bank, thereby verifying the user's identity. If so, the second bank server 120 may perform step S250 again, otherwise, it may not perform step S250, but it is not limited to this.

In an embodiment, the above-mentioned second point conversion ratio may be the second point-to-cash ratio of the second bank, which is represented by Y:Z, and the second bank server 120 may multiply the first cash amount by Y And divide by Z to get the second number of points.

For example, assuming that 5 points of the second bank can correspond to 1 yuan of cash, the above-mentioned second point conversion ratio can be characterized as 5:1 (ie, Y is 5 and Z is 1). In this case, the second bank server 120 may multiply 30 (ie, the first cash amount) by 5 and divide by 1 to obtain 150 (ie, the second point amount).

After that, in step S260, the second bank server 120 may deposit the second point amount (for example, 150) into the user's second point account in the second bank.

In one embodiment, the second bank server 120 may also respond to the first bank server 110 with a transaction success message after determining that the user's identity is legal, but it is not limited to this.

In addition, in some embodiments, if step S260 cannot be performed normally for some reason, the first bank server 110 may restore the user's first point account, for example, restore the first point account to 5000 points, but it may not Limited to this.

In summary, the present invention has at least the following features: (1) The inter-bank point conversion mechanism of the present invention can be understood as using cash "yuan" as the clearing standard, and each bank converts it into equivalent cash before clearing, which can support The various "bank feedback services" provided by all banks can quickly complete the conversion and centralized use; (2) The present invention uses the existing inter-bank fund clearing mechanism between banks to complete the actual settlement of funds, and achieve different results at the same time. The clearing operation of the bank's feedback service can do two things with one stone; (3) In order to reduce the transaction risk, the present invention only provides the customer's feedback service conversion between different banks, and uses the ID card number and mobile phone number as the verification mechanism for personal identity; (4) With future scalability, the current inter-bank transfer and clearing mechanism between banks is only open to financial institutions. However, in the future, electronic payment institutions and electronic ticket institutions may join the inter-bank clearing mechanism of financial institutions under the premise that the competent authority agrees to amend the law ( Such as: Jiekou Payment, OuPay, EasyCard, All-in-One Card, etc.), in this way, the scope of conversion of feedback services between participating institutions can be expanded, and the goal of promoting consumption can be achieved.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to those defined by the attached patent scope.

100: Inter-row point conversion system 110: First Bank Server 120: The second bank server S210~S260: steps

FIG. 1 is a schematic diagram of a cross-row point conversion system according to an embodiment of the present invention. FIG. 2 is a flowchart of a method for converting inter-row points according to an embodiment of the present invention.

S210~S260: steps

Claims (10)

A cross-line point conversion system, including: A first bank server, which corresponds to a first bank; and A second bank server, which corresponds to a second bank, in which: The first bank server provides a point conversion page, and obtains an inter-bank point conversion request entered by a user on the point conversion page, wherein the inter-bank point conversion request includes a first point of a first bank The quantity is transferred to a second bank, and the first bank corresponds to the first bank server, and the second bank corresponds to a second bank server; The first bank server deducts the first point amount from a first point account of the user in the first bank; The first bank server converts the first point amount into a first cash amount according to a first point conversion ratio of the first bank, and authenticates the user; In response to determining that the user is authenticated, the first bank server transfers the first cash amount to the second bank server; The second bank server converts the first cash amount into a second point amount corresponding to the second bank according to a second point conversion ratio of the second bank; The second bank server deposits the second point amount into a second point account of the user in the second bank. The system according to claim 1, wherein the first bank server is configured to: Sending a transaction verification code to a telephone device corresponding to the user; In response to determining that a verification code entered by the user on the point conversion page matches the transaction verification code, it is determined that the user has passed the verification, otherwise it is determined that the user has not passed the verification. The system according to claim 1, wherein the second bank server converts the first cash amount into the second point amount corresponding to the second bank according to the second point conversion ratio of the second bank Previously, the first bank server further provided the user with at least one first personal information stored in the first bank to the second bank server, so that the second bank server can determine whether the at least one first personal information matches At least one piece of second personal information kept by the user in the second bank; In response to determining that the at least one first personal information matches the at least one second personal information, the second bank server converts the first cash amount to correspond to the first cash amount according to the second point conversion ratio of the second bank The second point quantity of the second bank. The system according to claim 1, wherein the first point conversion ratio is a first point-to-cash ratio of the first bank, which is represented by W:X, and the first bank server is configured to convert The first point amount is multiplied by X and divided by W to obtain the first cash amount. The system according to claim 1, wherein the second point conversion ratio is a second point-to-cash ratio of the second bank, which is represented by Y:Z, and the second bank server is configured to transfer The first cash amount is multiplied by Y and divided by Z to obtain the second point amount. A method for cross-line point conversion, including: A point conversion page is provided by a first bank server, and an inter-bank point conversion request entered by a user on the point conversion page is obtained, wherein the inter-bank point conversion request includes a first bank’s The number of points is transferred to a second bank, and the first bank corresponds to the first bank server, and the second bank corresponds to a second bank server; The first bank server deducts the first point amount from a first point account of the user in the first bank; The first bank server converts the first point amount into a first cash amount according to a first point conversion ratio of the first bank, and authenticates the user; In response to determining that the user passes the verification, the first bank server transfers the first cash amount to the second bank server; The second bank server converts the first cash amount into a second point amount corresponding to the second bank according to a second point conversion ratio of the second bank; The second bank server deposits the second point amount into a second point account of the user in the second bank. The method according to claim 6, wherein the step of authenticating the user includes: Sending a transaction verification code from the first bank server to a telephone device corresponding to the user; In response to determining that a verification code entered by the user on the point conversion page matches the transaction verification code, it is determined that the user has passed the verification, otherwise it is determined that the user has not passed the verification. The method according to claim 6, wherein the second bank server converts the first cash amount into the second point corresponding to the second bank according to the second point conversion ratio of the second bank Before the number of steps, the method further includes: The first bank server provides the user with at least one first personal information kept in the first bank to the second bank server, so that the second bank server can determine whether the at least one first personal information matches the At least one piece of second personal information kept by the user in the second bank; In response to determining that the at least one first personal information matches the at least one second personal information, the second bank server converts the first cash amount to correspond to the second point conversion ratio of the second bank The second point quantity of the second bank. The method according to claim 6, wherein the first point conversion ratio is a first point to cash ratio of the first bank, which is represented by W:X, and the first bank server is based on the first bank server. The step of converting the first point amount into the first cash amount of the first point conversion ratio of a bank includes: Multiply the first point amount by X and divide by W to get the first cash amount. The method according to claim 6, wherein the second point conversion ratio is a second point-to-cash ratio of the second bank, which is represented by Y:Z, and the second bank server is based on the The step of converting the first cash amount into the second point amount corresponding to the second bank’s second point conversion ratio of the second bank includes: Multiply the first cash amount by Y and divide by Z to get the second point amount.

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