TWM558416U - Electronic gift certificate trading system - Google Patents

Abstract

An electronic coupon voucher transaction system includes a gift voucher processing module and a gold flow module. The gift certificate processing module connects the consumer device and the coupon issuer device through the network, and receives the order material corresponding to the electronic coupon from the consumer device. The gold flow module connects the consumer device through the network and receives payment data corresponding to the order material from the consumer device. When the gift certificate processing module determines that the cash flow module has received the payment data, the gift certificate processing module generates a coupon number corresponding to the order material, and transmits the coupon number to the consumer device. When the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the cash flow module to allocate the corresponding coupon amount to the bank account corresponding to the coupon issuer device.

Description

E-voucher trading system

The present invention relates to a trading system, and more particularly to a trading system for electronic coupons.

In recent years, with the advancement of information technology, digital financial services have gradually flourished, including the electronicization of gift voucher transactions.

At present, if an issuer of an e-voucher wants to issue an e-voucher, it is necessary to deposit an amount in the financial institution as a guarantee for the performance bond; thus, if the consumer purchases the e-voucher from the issuer of the e-voucher, In the case that the e-voucher cannot be used and cannot be compensated from the issuer, the consumer can claim the e-voucher from the financial institution, and the financial institution uses the aforementioned guarantee to compensate the consumer.

However, depositing a deposit in a financial institution in advance is a burden on the issuer of the electronic coupon, and thus the manner in which the performance guarantee is required is not convenient for the issuer of the electronic coupon.

Accordingly, it is an object of the present invention to provide an electronic coupon voucher trading system that overcomes the shortcomings of the prior art.

Therefore, the electronic coupon voucher transaction system is used for the transaction of an electronic coupon voucher corresponding to a voucher amount, the e-voucher transaction system corresponding to a financial institution and comprising a gift voucher processing module and a gold flow module.

The coupon processing module is configured to connect a consumer device to a coupon issuer device corresponding to a bank account via a network, and receive a pair of subscription materials for the electronic coupon from the consumer device.

The cash flow module is configured to connect to the consumer device via a network and receive a pair of payment materials that should be ordered from the consumer device.

Wherein, when the gift certificate processing module determines that the payment module has received the payment data, the gift certificate processing module generates a pair of gift certificate serial numbers that should be ordered, and transmits the coupon number to the consumer device.

Wherein, when the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the gold flow module to allocate the coupon amount to the bank account.

The effect of the novel is that, with the implementation of the present invention, the issuer of the gift certificate can be provided to any financial institution without providing a guarantee bond as a performance guarantee in advance.

1‧‧‧Electronic voucher trading system

11‧‧‧ Gift Voucher Processing Module

12‧‧‧ Gold Flow Module

2‧‧‧Voucher issuer device

3‧‧‧ consumer devices

41~47‧‧‧Steps

51~52‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram illustrating the novel electronic coupon transaction system; 2 is a flow chart illustrating a coupon issuing phase of an electronic coupon voucher transaction method executed by the novel electronic coupon voucher transaction system; and FIG. 3 is a flow chart illustrating a coupon voucher verification phase of the electronic coupon voucher transaction method.

Referring to FIG. 1, the electronic coupon voucher transaction system 1 corresponds to and is managed by a financial institution such as a bank, and includes a coupon processing module 11 and a gold flow module 12, for example, a computer server. The gift certificate processing module 11 connects the gold flow module 12 through an intranet, and can connect a consumer device 3 and a coupon issuer device through an external communication network such as an internet or a 4G wireless communication network. 2; and the gold flow module 12 can connect to the consumer device 3 through the external communication network.

The voucher issuer device 2 is, for example, a desktop computer or a tablet computer and corresponds to and managed by a merchant; for example, a restaurant, a sports goods store, a clothing store, and the like.

The consumer device 3 is, for example, a smart phone or tablet and is used by a consumer.

The electronic coupon voucher transaction system 1 implements an electronic coupon voucher transaction method, which includes a voucher issue phase shown in FIG. 2 and a coupon voucher verification phase shown in FIG. 3.

Referring to Figure 2, the voucher release phase is detailed below.

In step 41, the coupon processing module 11 provides a coupon purchase website, and the coupon issuer device 2 transmits a coupon application information to the coupon processing module 11 via the coupon purchase website via the operation of the merchant, wherein the coupon certificate The application information includes identification information of the merchant, a product name of the electronic coupon issued by the merchant, a denomination of the electronic coupon, a total amount of the electronic coupon, a bank account number of the merchant, and the electronic coupon can be a cash coupon or a meal coupon. Or redemption voucher. After receiving the coupon application data, the coupon processing module 11 sets a remaining dispensing amount corresponding to the electronic coupon to the total dispensing amount.

Next, in step 42, the consumer device 3 transmits a pair of electronic coupons to the coupon processing module 11 via the first webpage interface provided by the coupon purchase website via the operation of the consumer to confirm the order. An electronic coupon, wherein the order material includes the order quantity of the electronic coupon.

Next, in step 43, the coupon processing module 11 determines whether the coupon amount corresponding to the order material is not greater than the remaining dispensing amount, wherein the coupon amount is the product of the denomination of the electronic coupon and the ordered quantity.

Then, in step 44, after determining that the coupon amount is not greater than the remaining dispensing amount, the coupon processing module 11 provides a second webpage interface to the consumer device 3 through the coupon purchase website, so that the consumer device 3 is The consumer operates to transmit a consumer identification profile to the coupon processing module 11 via the second web interface, wherein the consumer identification profile includes the consumer's name, phone number, email Wait.

Next, in step 45, the coupon processing module 11 provides a third web interface for indicating the payment method to the consumer device 3 through the coupon purchase website, so that the consumer device 3 transmits the The third web interface transmits a pair of subscription materials and the consumer identification data to the cash flow module 12, wherein the payment data includes the credit card authorization transaction information or third party transaction authorization information of the consumer.

Then, in step 46, the coupon processing module 11 determines whether the payment module 12 has received the payment data. The manner of the determination may be performed by the coupon processing module 11 periodically, for example every five seconds, whether the gold flow module 12 is inquired. The payment data has been received, or the cash flow module 12 can actively notify the coupon processing module 11 that the payment data has been received.

Next, in step 47, after determining that the payment module has received the payment data, the coupon processing module 11 generates the coupon number corresponding to the order quantity and sends the coupon number through the action newsletter or email. The serial number is transmitted to the consumer device 3, and the coupon amount is deducted from the remaining dispensing amount.

For example, the merchant issued an e-voucher with a denomination of 500 yuan through the above method and the total ration amount is 1 million yuan. The merchant can promote the e-voucher through the social network or the home website and provide a link URL of the voucher purchase website to attract the consumer to purchase the e-voucher through the voucher purchase website. In the beginning, the remaining The balance of the balance is the total amount of the distribution, that is, one million yuan; after the consumer purchases the electronic coupon, the amount of the remaining allowance decreases the amount of the coupon purchased by the consumer, when the amount of the remaining allowance is zero. That is, the e-voucher cannot be purchased, so up to 2,000 of the e-vouchers are simultaneously circulated in the market.

Referring to Figure 3, the coupon verification phase is detailed below.

In step 51, the consumer provides the coupon number of the electronic coupon to the merchant when the merchant consumes; the coupon issuer device 2 transmits the coupon number to the coupon processing module 11 via the operation of the merchant.

Next, in step 52, the coupon processing module 11 increases the amount corresponding to the denomination of the electronic coupon to the remaining dispensing amount, and notifies the golden flow module 12 to pay the amount corresponding to the denomination of the electronic coupon to the bank account corresponding to the merchant. That is to say, after the electronic coupon is written off, the remaining dispensing amount is increased to allow the merchant to continuously issue the electronic coupon.

In particular, the merchant only needs to apply to the financial institution, that is, in the name of the merchant, to issue the electronic coupon certificate through the new electronic coupon voucher transaction system 1 provided by the financial institution, and the merchant does not need to develop the system to issue the electronic coupon. In addition, the consumer purchases the electronic coupon voucher through the electronic coupon voucher transaction system 1 and pays the financial institution. If the merchant fails to make the e-voucher unusable, the consumer can directly retrieve the original payment voucher from the financial institution. The money, therefore, the merchant does not need to provide a guarantee or trust as a performance guarantee to any financial institution in advance.

In summary, the electronic coupon voucher transaction system provides the electronic coupon voucher transaction system by the financial institution, and the electronic coupon voucher transaction system receives subscription materials, consumer identification materials, and payment corresponding to the electronic coupons from the consumer device. And transmitting the corresponding coupon number to the consumer device; and when the electronic coupon transaction system receives the coupon number from the coupon issuer device, the electronic coupon transaction system allocates the corresponding coupon amount to the coupon issuer For the corresponding bank account, the issuer of the gift certificate does not need to provide the guarantee bond as a performance guarantee in advance or deposit the guarantee money to any financial institution in an instant trust, so the purpose of the novel can be achieved.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

Claims (5)

An electronic coupon voucher transaction system for an electronic coupon voucher corresponding to a voucher amount, the e-voucher transaction system corresponding to a financial institution and comprising: a voucher processing module for connecting a consumer device through the network a coupon issuer device corresponding to a bank account, and receiving a pair of subscription materials for the electronic coupon from the consumer device; and a cash flow module for connecting the consumer device via the network and from the consumer device Receiving a pair of payment materials that should be ordered; wherein, when the gift certificate processing module determines that the payment module has received the payment data, the gift certificate processing module generates a pair of coupon numbers that should be ordered, and the coupon is The serial number is transmitted to the consumer device; wherein, when the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the cash flow module to allocate the coupon amount to the bank account. The electronic coupon voucher transaction system of claim 1, wherein the coupon issuer device corresponds to a remaining dispensing amount, and the coupon processing module transmits a pair of responses after determining that the coupon amount is not greater than the remaining dispensing amount according to the subscription information. The payment instruction information of the order material is sent to the consumer device, so that the consumer device transmits the payment data to the cash flow module. The electronic coupon voucher transaction system of claim 2, wherein the voucher processing module transfers the coupon voucher to the consumer device from the remaining distribution The amount is deducted from the amount of the coupon, and after the coupon processing module receives the coupon number from the coupon issuer device, the coupon amount is increased to the remaining dispensing amount. The electronic coupon voucher transaction system of claim 1, wherein the payment profile comprises a credit card authorization transaction information. The electronic coupon voucher transaction system of claim 1, wherein the payment profile comprises a third party transaction authorization information.