CN102044031A

CN102044031A - Control device and method for adding points to point accounts by point management system

Info

Publication number: CN102044031A
Application number: CN2009101976373A
Authority: CN
Inventors: 张毅斌; 贺樑; 应振宇; 陈华东
Original assignee: WEIPENG INFORMATION TECHNOLOGY Co Ltd
Current assignee: WEIPENG INFORMATION TECHNOLOGY Co Ltd
Priority date: 2009-10-23
Filing date: 2009-10-23
Publication date: 2011-05-04

Abstract

The invention provides a control method for adding points to point accounts by a point management system. The method comprises the following steps of: (a) judging whether the points in point accounts are lower than a first threshold value or not; (b) adding a first point to the point accounts of which the point quantities are lower than the first threshold; and (c) deducting an amount corresponding to the first point from payment accounts corresponding to the point accounts. The invention also provides a corresponding control device. In the invention, the points are added to the point accounts through judging whether the point quantities in the point accounts are lower than the first threshold value or not, so that the points can be added to the point accounts when the quantities of the points in the point accounts are too small so as to achieve the purpose of automatically controlling the point quantities in the point accounts to be in a reasonable range. The invention is particularly suitable for managing points in service industries of markets, catering, hotels, and the like.

Description

A kind of integration managing system increases the control device and the method for integration to the integration account

Technical field

The present invention relates to business management system, especially the integration managing system particularly, relates to the control method and the control corresponding device that increase integration in the integration managing system in the integration account.

Background technology

In recent years, accumulating card is widely used in all trades and professions as the principal mode of a kind of businessman cultivation customer loyalty.For example, businessman squeezes into the integration of respective numbers according to the quantity of commodity that the consumer buys or service in accumulating card, and further, according to consumer's integration amount, businessman will provide different awards to the consumer.Like this, businessman can attract the consumer to consume more by the form of accumulating card, improved the loyalty of consumer to this businessman virtually.On the other hand, to the user, can make consumption become more convenient by using accumulating card, at first, compare currency, the integration in the accumulating card is stored with electronic form, so the consumer does not need with carrying buckets of cash when buying staple commodities; Secondly, businessman can set the exchange proportion of integration and currency according to actual needs, thus utilize integration come for merchandise valuation comparatively flexible; The 3rd, can realize payment function by read-write operation to the accumulating card integrates, therefore use the accumulating card shopping can solve the problem of small change.

At present, the multiple mode that increases integration in account is arranged, for example, the consumer can to account in increase integration in the mode of supplementing with money in the air by portable terminal, again for example, the consumer can buy integration by Web bank, and again for example, the consumer can be at the on-site payment currency of the management end of integration account to increase account integrates quantity.Then, in the prior art, no matter be any mode that in account, increases integration, it all needs the consumer to adopt artificial mode to finish the action of supplementing with money of integration, for example, if buy integration by the mobile phone charge remaining sum, then the consumer must operate mobile phone; Again for example, if by the corresponding amount of money of Web bank's integration that Zhi Fuyu increases, then the consumer must operate Web bank; Again for example, if supplement with money to the management end of integration account, then the consumer must arrive the scene of integration account management end.

Therefore, the mode of supplementing action with money that adopts manual type to finish integration causes inconvenience for businessman and consumer, and on the one hand, if the consumer increases more integration in advance in account, then corresponding with account integrates fund will be by idle; On the other hand, if the consumer avoids fund by idle and increase suitable integration in account, then consumer's number of times of manually increasing integration in account must increase.

Summary of the invention

At defective of the prior art, the purpose of this invention is to provide a kind of control method and control corresponding device that in the integration managing system, increases integration to the integration account.

According to an aspect of the present invention, provide a kind of control method that increases integration in the integration managing system in the integration account, wherein, comprise step: b. increases first integral in integration account integrates quantity is lower than the integration account of first threshold.

Preferably, comprise that also step: c. deducts the amount of money corresponding with described first integral from the payment account of described integration account correspondence.

Preferably, comprise also before the described step b that step: a. judges whether the integration in the described integration account is lower than first threshold; Wherein, when the judged result of described step a is sure, continue execution in step b.

According to another aspect of the present invention, a kind of control device that increases integration in the integration managing system in the integration account also is provided, it is characterized in that, comprise device: first treating apparatus, it is used for increasing first integral in integration account integrates quantity is lower than the integration account of first threshold.

Preferably, also comprise device: the first deduction device, it is used for the payment account deduction amount of money corresponding with described first integral from described integration account correspondence.

Preferably, also comprise device: first judgment means, it is used to judge whether the integration in the described integration account is lower than first threshold; Wherein, described first treating apparatus is used for when the integration in the described integration account is lower than first threshold, increases first integral in integration account integrates quantity is lower than the integration account of first threshold.

The present invention is by judging whether number of points in the integration account is lower than first threshold and increases integration in described integration account, thereby can realize automatically the number of points in the described integration account being controlled in the reasonable range to wherein increasing integration when the number of points in the described integration account is very few.Wherein, described first threshold can be set according to actual needs, thereby make the quantity of described integration account integrates be not less than nil-norm; And, can prevent that the number of points that increases is too much in described integration account by described second threshold value is set.Further, before increasing integration, realize increasing integration, and then can satisfy user's demand better according to user's feedback opinion by the inquiry user.The present invention can be widely used in the management domain of various member/integrations (card), can improve the efficient of businessman's management integration by the present invention, make the businessman can be in certain scope, thereby attract the user to use integration better, user's loyalty is provided user's integration control; Simultaneously, the present invention also makes the user obtain and uses the process of integration to become convenient, utilizes the present invention can realize increasing automatically the interior integration of integration account and supplements action with money to replace manually finishing.

Description of drawings

By reading the detailed description of non-limiting example being done with reference to the following drawings, it is more obvious that other features, objects and advantages of the present invention will become:

Fig. 1 illustrates according to first embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account;

Fig. 2 illustrates according to second embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account;

Fig. 3 illustrates according to third embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account;

Fig. 4 illustrates according to fourth embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account;

Fig. 5 illustrates according to a present invention embodiment, increases the network topological diagram of the control method of integration in the integration managing system in the integration account;

Fig. 6 illustrates according to fifth embodiment of the invention, increases the structural representation of the control device of integration in the integration managing system in the integration account;

Fig. 7 illustrates according to sixth embodiment of the invention, and Fig. 6 illustrates the structural representation of described first judgment means 41 in the control device; And

Fig. 8 illustrates according to seventh embodiment of the invention, increases the structural representation of the control device of integration in the integration managing system in the integration account.

Embodiment

The invention provides a kind of control method that in the integration managing system, in the integration account, increases integration, can judge whether automatically and need supplement with money based on integration managing provided by the invention system, and when needs are supplemented with money, in described integration account, increase integration the integration account.Control method provided by the present invention is particularly useful in the management of service industry to member's (card) and integration (card) such as market, food and drink and hotel, is applicable to that also transportation card, the water power coal that need regularly supplement with money pay the fees in the Administration of Public Affairs systems such as card, Digital Television debit card.

Fig. 1 illustrates according to first embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account.Particularly, in the present embodiment, at first execution in step S210 judges whether the integration in the described integration account is lower than first threshold.Wherein, described integration account can adopt various ways, in a preference, described integration account can be the object in the database, correspondingly, the integration in the described integration account is the integration attribute with this integration account institute corresponding objects, can upgrade the quantity of described integration account integrates by the integration property value of revising this object, similarly, can obtain the quantity of described integration account integrates by the integration property value that reads this object.Particularly, it will be appreciated by those skilled in the art that above-mentioned operation of obtaining number of points can realize by a simple query sentence of database, does not repeat them here.And in another preference, described integration account can be with smart card as the data message carrier, that is to say, described integration account is corresponding with smart card, stored in the smart card and the corresponding data message of described account integrates, can obtain the quantity of described account integrates by reading data information stored in the smart card, similarly, can upgrade number of points in the described account by data information stored in the read-write smart card, those skilled in the art understand, can smart card is corresponding with one or more integration accounts, particularly, different sectors in the smart card can be respectively applied for corresponding with the application of a plurality of described integration accounts, for example, No. 1 sector in 16 sectors in the smart card is corresponding with integration account A, and No. 2 the sector is corresponding with integration account B, this does not influence flesh and blood of the present invention, does not repeat them here.Further, control procedure at above-mentioned smart card, in order to ensure account safety, the integration of described smart card memory storage also will be verified with the integration that is stored in the background data base content, if both unanimities just can not repeat them here with the integration that reads by described smart card as the integration in the described integration account.

More specifically, number of points in the described integration account and described first threshold are compared, to judge whether the integration in the described integration account is lower than described first threshold, for example, number of points in the described integration can be deducted described first threshold, if the result, judges then that the integration in the described integration account is lower than described first threshold less than zero; Otherwise, judge that then the integration in the described integration account is not less than described first threshold.Wherein, described first threshold can be provided with according to actual needs, in a preference, can described first threshold be set to specific integration, and for example, described first threshold is set to 10 integrations; And in another preference, can corresponding described first threshold be set at different described integration accounts, for example, can be set to 10 integrations, be set to 20 integrations with the corresponding first threshold of integration account B with the corresponding first threshold of integration account A; In another preference, described first threshold can be negative value, correspondingly, the number of points of described integration account also can be negative value, for example, can described first threshold be set to negative 100 integrations, those skilled in the art understand, can determine in described integration account, to increase the standard of integration by described first threshold, therefore described first threshold can be set at negative value according to actual needs, like this, described integration account can provide the function of overdraw to the user, even the user does not in time increase integration in described integration account, described integration account still can be paid to user's consumer behavior.And change in the example at one, for each integration account, described first threshold all is unified the setting, and promptly first threshold is unique, and such control procedure is simplified more.Those skilled in the art can change according to actual needs and more embodiment, do not repeat them here.

Preferably, can comprise numerical information and correspondence relationship information with described first threshold corresponding data information, wherein, described numerical information is used to indicate the numerical value of described first threshold, described correspondence relationship information is used to indicate the pairing first threshold of described integration account, in other words, can obtain the described first threshold corresponding by described corresponding relation with described integration account, for example when different described first thresholds being set, can determine numerical value with the corresponding described first threshold of different described integration accounts respectively according to described corresponding relation at different described integration accounts.Wherein, can be stored in the database with described first threshold corresponding data information, like this, by being provided with or upgrading described first threshold with described first threshold corresponding data information in the storehouse that reads and writes data; Can also be stored in the smart card with described first threshold corresponding data information, like this, can be provided with or upgrade described first threshold equally by smart card read-write device.In a preference, can be stored in database and the smart card simultaneously with described first threshold corresponding data information, described first threshold corresponding data message in database and smart card is provided with synchronously or is upgraded, this does not influence flesh and blood of the present invention, does not repeat them here.

Further, if the judged result of described step S210 is sure, the integration in the promptly described account is lower than first threshold, then enters step S211 and continues to carry out; If the judged result of described step S210 negates that the integration in the promptly described integration account is not less than first threshold, then returns described step S210 and continues to carry out.And change in the example at one, if the judged result of described step S210 negates that then process ends it will be appreciated by those skilled in the art that this does not influence flesh and blood of the present invention, does not repeat them here.

Particularly, in described step S211, send whether inquiry increases integration in the described integration account with purpose solicited message to the user corresponding with described integration account.Preferably, described request information can comprise integration account identification information and number of points information, wherein, described integration account identification information is used to indicate the target integration account that increases the integration behavior, which described integration account i.e. indication will increase integration to, described number of points information is used to indicate the quantity that increases integration, i.e. how many integrations indication will increase to described integration account.

Particularly, in a preference, can in database, store the corresponding relation of described integration account user's pairing electronic equipment with it, that is to say, described integration account user's pairing with it electronic equipment is bound, wherein, described electronic equipment can be the portable terminal of binding with described integration account, for example, handset binding with described integration account and user, can send to this mobile phone to described request information with way of short messages like this, perhaps in described portable terminal, be mounted with and method clients corresponding software provided by the invention, then can make the user can receive described request information, thereby realize whether increasing in the described integration account step of integration with purpose to user's query by this client software; Described electronic equipment can also be E-mail address or MSN or the QQ or the Skype account etc. of binding with described integration account, for example, after the E-mail address binding with described integration account and user, described request information can be sent to the user in the mode of E-mail address, this does not influence flesh and blood of the present invention.

And in another preference, sending the process of described request information to the user can use terminal to realize by integration, preferably, the communication module that described integration uses terminal can comprise the client modules that the support integration uses and be used for communicating by letter with background service system, for example, it can be to be positioned at the terminal that the accumulating card management system that described integration uses is supported in integration consumption place that described integration uses terminal, for example be positioned at the existing integrating system terminals such as all kinds of POS machines in market, those skilled in the art can realize that described integration uses terminal, does not repeat them here in conjunction with prior art (for example carrying " microcomputer information " 2009 08 phases " based on the total mark of consumption system terminal design of AT89S52 ").Further preferably, described integration uses terminal can also comprise smart card read-write device, it is used to read and write and the corresponding smart card of described integration account, for example transportation card induction installation etc. uses terminal based on the integration of IC-card, those skilled in the art can realize that described integration uses terminal, does not repeat them here in conjunction with prior art (for example carrying " Hubei University Of Technology's journal " the 5th phase in 2005 " research of IC-card network consume system ").Particularly, can be when the user uses described integration to use terminal, use the display device that terminal comprised to show described request information by described integration, for example, described integration uses that terminal can show " with increasing integration in this integration account of purpose? " literal, whether the user can use input media (for example keyboard) feedback that terminal comprised with increasing integration in the described integration account of purpose by described integration.Those skilled in the art understand, compare with a last preference, in this preference when providing control system of the present invention (or control device) when the user sends above-mentioned solicited message, it is not that the portable terminal of holding to the user (for example mobile phone) sends above-mentioned solicited message, but this solicited message is dealt into a common equipment, promptly be not specific to all equipment of this user, and the user is usually on this common equipment next door, so can receive above-mentioned solicited message by this common equipment.For example when the user uses dimension network card, above-mentioned solicited message is sent to the specified dimension network city equipment of user and (is appreciated that, appointed dimension network city equipment normally user had just been brushed the dimension network city equipment of tieing up the network card), by operating described dimension network city equipment, described user can make feedback to above-mentioned solicited message, does not repeat them here.

After sending described request information by described step S211, continue execution in step S212, receive the feedback information corresponding with described request information, wherein, whether described feedback information is used to indicate the user with increasing integration in the described integration account of purpose.In a preference, the user sends described feedback information by corresponding mode after receiving the described request information of sending by described step S211, and for example, the user can send described feedback information by the mode of answer short message; Again for example, the user can send described feedback information by the mode of reply email; Again for example, the user can use terminal to send described feedback information by described integration.Correspondingly, can receive described feedback information, for example, can pass through note, Email or described integration and use terminal by sending the corresponding mode of described feedback information institute with the user.Those skilled in the art understand, particularly can by with described step S211 in send the corresponding mode of described request information and receive the feedback information corresponding with described request information, thereby can set different transmissions and receive mode according to concrete enforcement needs, not repeat them here.

Execution in step S213 then, judge whether the feedback result that described feedback information comprises is sure, particularly, whether the user indicates it with increasing integration in the described integration account of purpose by described feedback information, if the feedback result that described feedback information comprises is sure, then indicate the user with increasing integration in the described integration account of purpose, if the feedback result that described feedback information comprises negates that then indicating the user to disagree with in described integration account increases integration.Preferably, described feedback information can comprise a zone bit, and preferably, it is sure that this zone bit is set to " 1 " expression feedback result, and this zone bit is set to " 0 " expression feedback result negates.

Change in the example at one, those skilled in the art understand, " feedback result that described feedback information comprises negates " can be understood that the user does not send described feedback information or receives described feedback information failure, that is to say, do not send described feedback information or receive under the situation of described feedback information failure the user, the judged result of described step S213 negates, particularly, can behind the certain hour after sending described request information to the user, judge whether to receive corresponding described feedback information, if behind certain hour, still do not receive, judge that then the user does not send described feedback information or receives described feedback information failure, preferably still send negative echo message according to the user and handle this moment.

Further, if the judged result of described step S213 is sure, the feedback result that promptly described feedback information comprises is sure, then enters step S214 and continues to carry out; If the judged result of described step S213 negates that the feedback result that promptly described feedback information comprises is not sure, then process ends.

Particularly, in described step S214, judgement increases the integration total amount to described integration account and whether surpasses second threshold value in the unit interval, preferably, described second threshold value and unit interval are set, the described integration account of subtend increases the quantity of integration and carries out record, and the quantity addition that will be in the unit interval increases integration to described integration account according to this record can obtain the integration total amount that increased.For example, the unit interval is set to one day, and described second threshold value is set to 2000 integrations, and whether the integration total amount of then judging in this day increase integration in described integration account before to be increased is above 2000; Again for example, unit interval 24 hours before being set to judged increase integration in described integration account before then whether the integration total amount that is increased in 24 hours before this moment surpasses described second threshold value.

Those skilled in the art understand, can prevent from the unit interval, to increase too much integration by carrying out described step S214 to described integration account, for example, can prevent other people illegal at short notice a large amount of amount of money that use in the described payment account by carrying out described step S214; Again for example, by carry out described step S214 can limited subscriber to the acquisition of integration, it will preferential to greatly purchase with cash for example using integration to buy commodity during integration shopping, and it is too much preferential to obtain then can to prevent that by described step S214 the user from making a big purchase integration at short notice in large quantities at this moment.And in another variation example of present embodiment, those skilled in the art can be omitted described step S14 according to actual needs, particularly, if the judged result of described step S213 is sure, then next enters described step S215 and continue to carry out; As if judged result negate, then process ends.

Further, if the judged result of described step S214 negates that promptly increasing the integration total amount to described integration account in the unit interval does not have second threshold value of surpassing, and then next enters step S215 and continues to carry out; If the judged result of described step S214 is sure, promptly in the unit interval, increases the integration total amount and surpass second threshold value, then process ends to described integration account.

Particularly, in described step S215, in being lower than the integration account of first threshold, integration account integrates quantity increases first integral.Preferably, described first integral can be the integration of a quantification, for example, can be set to 30 integrations by described first integral; Further preferably, described integration account can be divided into some ranks, it is at each other integration account of level, described first integral difference, for example, described integration account can be divided into C1, three ranks of C2 and C3, at this other integration account of three levels, described first integral can be respectively 100 integrations, 500 integrations and 1000 integrations, those skilled in the art understand, like this can be at the different user of integration demand, raising increases the efficient of integration operation in described integration account, for example, integration Account Settings that can the integration use amount is bigger are other integration account of C3 level, compare other integration account of C1 level, in the integration account, increase by 1000 integrations equally, need in the database with other integration account corresponding data information read-write of C1 level 10 times, and to only reading and writing 1 time with other integration account corresponding data information of C3 level in the database, can reduce read-write number of times like this, improve the read-write efficiency of database database.By such operation, different services can be provided for different users, thereby provide operational operability for the charge of high-end customer.Particularly, can according to the storage mode of described integration account corresponding data information, in described integration account, increase described first integral, preferably, if be stored in the database with described integration account corresponding data information, then in this database, search and described integration account corresponding data information, then this data message is carried out write operation, for example, revise its integration attribute information; If be stored in the smart card, then the data message in this smart card is carried out write operation by the radio frequency read-write equipment with described integration account corresponding data information.

Last execution in step S216, the deduction amount of money corresponding from the payment account of described integration account correspondence with described first integral.Preferably, described payment account can be bank account, stored value accounts or the integration account that is used to pay.Particularly, the relation information of described integration account and payment account can be stored in the database.In a preference, described payment account is corresponding with one or more integration accounts, in other words, for a specific integration account, the payment account corresponding with it is unique, particularly, finds the relation information of itself and payment account according to the identification information of described integration account, determine described payment account according to this relation information then, the deduction amount of money corresponding in described payment account with described first integral.And in another preference, described integration account is corresponding with one or more payment accounts, particularly, determine the one or more payment accounts corresponding with described integration account, from these payment accounts, deduct the amount of money corresponding then with described first integral, for example, suppose corresponding three payment accounts of an integration account, the amount of money corresponding with described first integral is 150 yuan, then can respectively reduce 50 yuan from these three, perhaps reduce 30 yuan, 50 yuan and 70 yuan respectively, this does not influence flesh and blood of the present invention, does not repeat them here; Further preferably, described payment account has priority, particularly, can comprise the precedence information that is used to indicate priority with described payment account corresponding data information, preferably, determine the payment order by the priority that more a plurality of described payment account had, for example, described priority can comprise height, in and low three priority, when amount deducted, elder generation's amount deducted from the highest payment account of priority, if Sorry, your ticket has not enough value in the highest payment account of priority with the amount of money of the described first integral correspondence of Zhi Fuyu, then the not deducted amount of money of deduction from the highest payment account of remaining the payment account medium priority corresponding with described integration account equates with the pairing amount of money of described first integral up to the total value of institute's amount deducted.

Those skilled in the art understand, in the present embodiment, if the judged result of described step S210 negates then to judge in next particular moment whether the integration in the described integration account is lower than first threshold, so that the integration in the described integration account can not be lower than described first threshold usually again.This is actually the process of a cycle criterion, for example can every other day judge once, perhaps carries out such judgement in the shorter or longer cycle, and the cycle of judgement is depended on the application need of specific embodiment.Further, in a preference of present embodiment, described step S210 every day special time judge, for example can judge in every morning, give the service system build-up of pressure when frequent to avoid using at integration; And in another preference of present embodiment, described step S210 judges at special time weekly, for example can judge, can guarantee that like this user has sufficient integration available in the described integration account when using integration weekend on Friday weekly; In another preference of present embodiment, the time that described step S210 sets at the integration usage platform judges, for example, use promotion period at integration, because the user uses the speed of integration very fast, therefore described integration usage platform can be set described step S210 and judges respectively at the upper and lower noon of every day, again for example, described integration usage platform can be set described step S210 and on Monday carry out once to per two days of Thursday, carries out once in every day on Friday to Sunday; In another preference of present embodiment, judge after the integration of described step S210 in the described integration account of deduction, for example, can after the integration in the described integration account of each deduction, judge, it will be appreciated by those skilled in the art that promptly being carried out described step S210 after deducting at integration judges that can to avoid occurring in the cycle of an automatic value-charging integration very few and situation that cause being not enough to payment consumption takes place.And in another preference, described step S210 can carry out according to the instruction that the user sends, for example, can be with supplement the instruction that instruction as indication described step S210 carry out of user to described payment account, again for example, the instruction that the user can be carried out as the described step S210 of indication the reservation instruction of commodity or service.

Those skilled in the art understand, in the present embodiment, judge regularly or aperiodically by described step S210 whether the integration in the described integration account is lower than first threshold, can guarantee to have in described integration account certain integration can use for the user, therefore those skilled in the art can use the described first threshold of speed setting of integration and the moment of carrying out described step S210 according to the user, for example, during festivals or holidays, the user uses the speed of integration shopping very fast, therefore the numerical value of described first threshold can be during festivals or holidays, suitably improved, the frequency of carrying out described step S210 can also be increased.

Those skilled in the art understand, described payment account can comprise in bank account, stored value accounts and the integration account any or appoint multiple, preferably in the process that in integration account involved in the present invention, increases integration from this payment account the corresponding amount of money of deduction.Preferably, described stored value accounts can be consumption and the account set up in member unit for the convenience of the user, can in member unit, realize rapid payment by described stored value accounts, it can be supplemented with money account by member unit, for example, the user can supplement with money transportation card account or mobile phone charge account, uses this transportation card account or mobile phone charge account as described payment account then.Preferably, a described integration account can be used as the payment account of another described integration account, for example, the payment account of supposing integration account A1 comprises integration account A2 and bank account B, if the insufficient in amount in this bank account B is reduced with the integration of paying this integration account A1, the integration that then can deduct some from this integration A2 is increased in this integration account A1.

One at present embodiment changes in the example, and described step S211 to S213 can be omitted, and particularly, in this variation example, if the judged result of described step S210 is sure, then next enters described step S214 and continues to carry out.Those skilled in the art understand, in first embodiment, inquire earlier when in described integration account, increasing integration whether the user agrees to increase integration at every turn, and in this variation example, if the integration in the described integration account is lower than described first threshold, then directly in described integration account, increase integration without inquiry.Whether preferably, can preestablish at user's different demands need for example, not need inquiry if the user sets increase the user's query of integration forward direction in the integration account at every turn, and then described step S211 to S213 can be omitted; Again for example, if the user is set at the acquiescence feedback result of described feedback information sure or negates then still to carry out described step S211 to S213.It will be appreciated by those skilled in the art that whether do not agreeing to increase in the process of integration, the operation information that increases integration in described integration account can be sent to the user, so that the user in time understands account for information about to user's query.

In another variation example of present embodiment, described step S215 can be changed to step " increases second integral " in described integration account, correspondingly, described step S216 is changed to the deduction amount of money corresponding with described second integral from the payment account of described integration account correspondence, preferably, the quantity of described second integral equals number of points described to be deducted, number of points in the described integration account is remained unchanged, more specifically, those skilled in the art are appreciated that described second integral with reference to described step S242, do not repeat them here.In other words, one at the 4th embodiment shown in Figure 4 changes in the example, before step S241 carries out, can carry out described step S211 earlier and whether increase integration in the described integration account with the inquiry user to step S213 with purpose, particularly, described step S240 executes the back and continues to carry out described step S211 to step S213, if the judged result of described step S213 is sure, then enters described step S241 and continue to carry out; Otherwise, process ends.Those skilled in the art understand, inquire the process whether user agrees by routine can be implemented in described integration account of this variation before the described second integral of increase, those skilled in the art can not repeat them here with reference to figure 1 and this variation of realization embodiment illustrated in fig. 4 example.

In another variation example of present embodiment, described step S215 and step S216 can exchange on execution sequence, particularly, in this variation example, if the judged result of described step S214 negates, then next enter described step S216 and continue to carry out, and then carry out described step S215.And change in the example at another, described step S215 and step S216 can not have the priority on the execution sequence, for example, when described step S215 and step S216 were carried out respectively by two systems, described step S215 and step S216 can carry out according to the judged result of negating of described step S214 respectively.Those skilled in the art understand, in the present embodiment, before in described integration account, increasing described first integral, whether agree to increase integration by described step S211 to S213 inquiry user earlier, judge by described step S214 whether integration increases too much again, and in another variation example of present embodiment, can be before in described integration account, increasing described first integral, carry out described step S214 earlier and judge whether integration increases too much, carry out described step S211 to S213 inquiry user then and whether agree to increase integration, particularly, if the judged result of described step S210 is sure, then enters described step S214 and carry out; Further, negate, then next carry out described step S211 to S213 successively,, then continue to carry out described step S215 if the judged result of described step S213 is sure as if the judged result of described step S214.

In another variation example of present embodiment, described step S211 can be omitted to step S214, particularly, those skilled in the art understand, in application scenes, integration in the described integration account can be by regular deduction, for example be used for paying traffic fee by using, water power coal expense, management for infrastructure fee with and the account used of CATV fee in integration can be by regular deduction.Be understandable that, the user agrees for supplementing with money generally of these accounts, whether too much in addition, the integration in these accounts generally all can be deducted successively, therefore can omit in this variations example to user's query and integration total amount that judgement increases process.For example, the transportation card account is corresponding with bank account, judge whether the integration in this transportation card account is lower than described first threshold (for example 10 integrations or 50 integrations) at the morning of every day or weekend weekly, if be lower than described first threshold, then in this transportation card account, increase described first integral (for example 30 integrations or 60 integrations), and from bank account correspondingly, deduct and the corresponding amount of money of described first integral, like this, can prevent that influence by bus because the integration in the transportation card account is very few.Again for example, the water power coal account of paying the fees is corresponding with bank account, every month the beginning of the month or before the deduction integration/judge afterwards whether the integration in this account of paying the fees is lower than described first threshold, if be lower than described first threshold, then increase integration, and from this bank account, deduct the corresponding amount of money to this account of paying the fees.

Those skilled in the art understand, in application scenes, integration in the integration account is the form performance of the amount of money, for example closing in the exchange of integration and the amount of money is in one to one the situation, the quantity that can represent integration with the quantity of the corresponding amount of money, this does not influence flesh and blood of the present invention, does not repeat them here.

Fig. 2 illustrates according to second embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account.Particularly, in the present embodiment, at first execution in step S220 obtains this number of points to be deducted.More specifically, in a preference, be stored in the smart card with described integration account corresponding data information, the user uses terminal (the POS machine that for example contains rf read-write device) to use the integration in this smart card by described integration, then can use terminal to determine this number of points to be deducted, preferably can utilize wired or wireless network to use terminal to obtain this number of points to be deducted from described integration by described integration.And in another preference, this number of points to be deducted can be write in the mobile memory medium, can obtain this number of points to be deducted from mobile memory medium then.Change in the example more, the user can also use integration by other integration operative installations, correspondingly, can wait that the device of deducting number of points obtains this number of points to be deducted from determining this, those skilled in the art can change according to actual needs and more embodiment, do not repeat them here.

Next execution in step S221 judges and describedly whether waits to deduct number of points greater than the integration in the described integration account.Particularly, obtain the number of points in the described integration account, wait to deduct number of points and described account integrates quantity compares described.For example, number of points described to be deducted can be deducted the number of points in the described integration account,, then judge and describedly wait to deduct number of points greater than the integration in the described integration account if both subtract each other the result of gained greater than zero; Otherwise, then judge and describedly wait to deduct number of points not greater than the integration in the described integration account.Those skilled in the art can realize this step with reference to described step S210, do not repeat them here.

Further,, promptly describedly wait to deduct number of points, then enter step S222 and continue to carry out greater than the integration in the described integration account if the judged result of described step S221 is sure; If the judged result of described step S221 negates, process ends then.

Particularly, in described step S222, whether the integration of judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid, particularly, described payment account is corresponding with described integration account, the amount of money in the described payment account is corresponding with described integration, in a preference, the amount of money in the described payment account is corresponding with described integration according to certain ratio, for example, suppose that the amount of money in the described payment account is corresponding with described integration according to 1 to 10 ratio, then the described integration of corresponding 10 units of the amount of money in the described payment account of per unit; And in another preference, the amount of money in the described payment account and the corresponding relation of described integration can disproportionately concern, for example, the described integration of corresponding 35 units of the amount of money in can the described payment account of per 10 units, those skilled in the art can also change according to actual needs and more embodiment, do not repeat them here.Preferably, if when a described payment account is corresponding with a plurality of described integration accounts, the amount of money in the described payment account can be different with the corresponding relation of the integration of a plurality of described integration accounts, for example, the amount of money in the described payment account can be according to the integration of the corresponding integration account A of first proportionate relationship (for example 1 to 10), integration according to the corresponding integration account B of second proportionate relationship (for example 1 to 2), those skilled in the art understand, the aforementioned proportion relation can be set by the businessman that supports described integration account respectively, for example set above-mentioned first proportionate relationship, set above-mentioned second proportionate relationship by McDonald by KFC.

More specifically, the amount of money in the described payment account is converted into the integration of respective amount according to certain corresponding relation, then number of points after the above-mentioned conversion and number of points described to be deducted are compared, for example, number of points after the above-mentioned conversion is deducted number of points described to be deducted, if both subtract each other the gained result greater than zero, the integration of then judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid; Otherwise the integration of then judging payable remaining sum correspondence in the payment account of described integration account correspondence is not greater than integration described to be paid.

Further, if the judged result of described step S222 is sure, the integration of payable remaining sum correspondence then enters step S223 and continues to carry out greater than integration described to be paid in the payment account of promptly described integration account correspondence; If the judged result of described step S222 negates that the integration of payable remaining sum correspondence is not more than integration described to be paid, then process ends in the payment account of promptly described integration account correspondence.

Further, those skilled in the art understand, above-mentioned steps S222 can be referenced equally and introduce in the above-mentioned variation example embodiment illustrated in fig. 1, the judged result of even described step S213 is sure, then then carries out described step S222, and whether the integration of judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than described first integral, if judged result is sure, then next enter described step S214, otherwise, process ends.And in another variation example of present embodiment, described step S211 to S213 can be omitted, the judged result of even described step S210 is sure, then then enter described step S222, whether the integration of judging payable remaining sum correspondence in the payment account of described integration account correspondence if judged result be sure, then next enters described step S214 greater than described first integral, otherwise, process ends

Particularly, in described step S223, in described integration account, increase first integral.Particularly, the quantity of the pairing integration of described first integral can be set according to actual needs in advance, in the time will in described integration account, increasing first integral, can be in database the integration attribute of described integration account institute corresponding objects be carried out read-write operation; Can also carry out read-write operation with described integration account corresponding data information in the smart card to being stored in.Those skilled in the art can realize the step of " increasing first integral in described integration account " with reference to described step S215, do not repeat them here.

Next execution in step S224, whether the quantity of judging the described first integral that this accumulates is greater than number of points described to be deducted.Particularly, can carry out record to the quantity of the described first integral that increases, the once described step S223 of every execution then correspondingly increases the amount of accumulating of described first integral, and whether the quantity of this described first integral that accumulates is judged greater than number of points described to be deducted.More specifically, the quantity and the number of points described to be deducted of this described first integral that accumulates are compared, for example, the quantity of the described first integral that this can be accumulated deducts number of points described to be deducted, if both subtract each other the result of gained greater than zero, the quantity of then judging the described first integral that this accumulates is greater than number of points described to be deducted; Otherwise the quantity of then judging the described first integral that this accumulates is not greater than number of points described to be deducted.

Further, if the judged result of described step S224 is sure, promptly the quantity of this described first integral that accumulates then enters step S225 and continues to carry out greater than number of points described to be deducted; If the judged result of described step S224 negates that promptly the quantity of this described first integral that accumulates is not more than number of points described to be deducted, and then enters described step S223 and continues to carry out.

Those skilled in the art understand, can regard described step S223 and step S224 as a cycle criterion, if the judged result of described step S224 is the then continuation circulation negating, the quantity that to stop this round-robin condition be this described first integral that accumulates is greater than number of points described to be deducted.Wherein, the product of described N and described first integral quantity is just greater than number of points described to be deducted.

Particularly, in described step S225, deduction and this corresponding amount of money of described first integral that accumulates from the payment account of described integration account correspondence.Particularly, can obtain the quantity of this described first integral that accumulates according to the execution number of times of described step S223, in other words, the quantity of this described first integral that accumulates is carried out the number of times of described step S223 and the product of described first integral quantity for this.More specifically, the described first integral that this can be accumulated is converted into corresponding dollar amount according to certain corresponding relation, according to this dollar amount the dollar amount in the described payment account is deducted then.Those skilled in the art can realize the step of " deduction and this corresponding amount of money of described first integral that accumulates from the payment account of described integration account correspondence " with reference to described step S215, do not repeat them here.

One at present embodiment changes in the example, described step S221 can be changed to step " judge described wait to deduct number of points and described first threshold and whether greater than the integration in the described integration account ", if the judged result of this step is sure, be described wait to deduct number of points and described first threshold and greater than the integration in the described integration account, then next enter step S222 and continue to carry out; If the judged result of this step negates, promptly described wait to deduct number of points and described first threshold with not greater than the integration in the described integration account, then process ends.Those skilled in the art understand, in this variation example, can whether be higher than described first threshold at the described residue integration after waiting to deduct integration of deduction to the integration in the described integration account and judge, to guarantee in described integration account, still having the integration of certain remaining sum to use after waiting to pay integration in that deduction is described for the user.

In another variation example of present embodiment, described integration account can corresponding a plurality of described payment accounts, and then described step S222 comprises step " whether the integration of judging the total value correspondence of payable remaining sum in a plurality of payment accounts of described integration account correspondence is greater than integration described to be paid ".Particularly, in this variation example, search a plurality of payment accounts corresponding with described integration account, and calculate in above-mentioned a plurality of payment account can payment of balance total value, according to certain corresponding relation this total value is converted into corresponding integration then, number of points and the integration described to be paid that obtains after converting compared size.Preferably, when having priority between a plurality of payment accounts of described integration account correspondence, first amount deducted in the high payment account of priority.

In another variation example of present embodiment, after in described integration account, increasing first integral, deduct the amount of money corresponding with described first integral earlier from described payment account, whether the quantity of judging the described first integral that this accumulates again is greater than number of points described to be deducted.Particularly, in this variation example, after described step S223 executes, next carry out the step of " the deduction amount of money corresponding from the payment account of described integration account correspondence " with described first integral, entering described step S224 then judges, if the judged result of described step S224 is sure, then process ends; If the judged result of described step S224 negates then to enter described step S223 and continue to carry out.

Those skilled in the art understand, in the preference of described step S221, the integration of user in e-commerce platform uses described integration account, then can determine this number of points to be deducted, obtain this number of points to be deducted from this e-commerce platform then by this e-commerce platform.For example, the user uses the integration in the described integration account to buy books on the website of buying books, the user puts into all books that need buy and clicks confirming button behind the shopping cart and submit this catalogue of buying books to, then can be by this definite integration that need pay accordingly with this catalogue of buying books in website of buying books, the integration that above-mentioned needs can be paid is as number of points described to be deducted like this.Again for example, the user uses the integration in the described integration account to exchange game item on game website, then after the user selects the game item that need exchange for and determines, this game website determines to exchange for the integration of the required payment of user-selected game item, then with the integration of above-mentioned required payment as number of points described to be deducted.Further, described integration managing system can be connected with above-mentioned e-commerce platform to obtain number of points described to be deducted, particularly, described e-commerce platform is determined the number of points that the user need pay, and will need the number of points of payment and this user's identity information to send to described integration managing system, described then integration managing system determines corresponding described integration account according to this user's identity information, and the number of points of the needs that will receive payment is defined as number of points described to be deducted.Again for example? please thanks for the example of a McDonald or similar fast food restaurant.Again for example, the user carries the intelligence that stores described integration account identification information and snaps into the preferential set meal of McDonald's purchase integration, by using the smart card reader in the McDonald shop to read the identification information that this smart card can obtain described integration account, the identification information that to buy the required number of points of this preferential set meal and described integration account then sends to described integration managing system, like this, the integration of respective numbers can be deducted by described integration managing system from described integration account.

In another variation example of present embodiment, described step S222 can be omitted, and particularly, in the present embodiment, if the judged result of described step S221 is sure, then next enters described step S223 and continues to carry out; If the judged result of described step S221 negates, process ends then.

In another variation example of present embodiment, described step S223 and step S224 can be changed to described step S241, correspondingly, described step S225 is changed to described step S242, particularly, in this variation example, if the judged result of described step S222 is sure, then enter described step S241 and carry out, carry out described step S242 then.That is to say, the process that will increase described first integral in described integration account is changed to the process that increases described second integral, preferably, the quantity of described second integral equals number of points described to be deducted, number of points in the described integration account is remained unchanged, more specifically, those skilled in the art are appreciated that described second integral with reference to described step S242, do not repeat them here.

Fig. 3 illustrates according to third embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account.In the present embodiment, at first execution in step S230 receives the instruction that increases integration in described integration account.Particularly, described instruction preferably includes described integration account identification information and number of points information, wherein, described integration account identification information is used to indicate the target account that increases the integration behavior, promptly indicate in which integration account and increase integration, described number of points information is used to indicate the quantity that increases integration in described integration account, further preferably, described instruction can also comprise the identification information of described payment account, wherein, the identification information of described payment account is used to indicate the account of reducing that increases the integration behavior, promptly indicates in which payment account and reduces the amount of money corresponding with the integration that increases.Preferably, described instruction can be sent/be input to the background service system of described integration account of management or payment account by the user, this background service system receives described instruction, for example, this background service system can provide user interface to obtain described instruction, those skilled in the art can above-mentioned user interface in conjunction with prior art, does not repeat them here.

In a preference, described instruction is made a payment action according to the payment account of described integration account correspondence and is generated, for example, the user can enter described payment account by the background service system of managing described payment account, import described integration account identification information and number of points information then, thereby this background service system generates described instruction according to the information of above-mentioned input.And in another preference, described instruction is made a payment action according to described integration account and is generated, for example, when the user makes a payment action to described integration account, the background service system that described integration account is managed generates described instruction, and sends to the background service system of the management payment account corresponding with described integration account.In another preference, described instruction is specified to described integration account increase integration by input equipment according to the consumer and is generated, for example, the consumer can be by connecting background service system the input media of the network terminal import described integration account identification information, payment account identification information and number of points information, this background service system generates described instruction according to the above-mentioned information that the consumer submits to then.

Execution in step S231 increases third integral in described integration account then.Preferably, determine described third integral quantity according to described instruction, for example, can determine described third integral quantity according to the described number of points information of user's input, again for example, can determine described third integral quantity according to the integration payment amount of described integration account.Preferably, can be provided with described third integral, for example, described third integral is set to 10 integrations.In a preference, described integration account is divided into some ranks, and at each other integration account of level, described third integral is all different, particularly, can described third integral be set respectively at each other integration account of level, more specifically, those skilled in the art can realize described third integral with reference to the description of described first integral, do not repeat them here.

Last execution in step S232, the deduction amount of money corresponding from the payment account of described integration account correspondence with described third integral.Particularly, from the described instruction that in described integration account, increases integration, obtain the quantity of described third integral, obtain the dollar amount corresponding according to the described integration and the corresponding relation of the amount of money then, the above-mentioned dollar amount of deduction from the payment account of described integration account correspondence with described third integral.More specifically, those skilled in the art can realize this step with reference to described step 216 and step 225, do not repeat them here.

It will be appreciated by those skilled in the art that in the present embodiment directly increase the integration of appointment in the integration account of appointment according to a clear and definite instruction, for example this appointed integration may be exactly the number of points that this integration account is about to consumption; For example this appointed integration owner that is this integration account wishes the integration that is increased again, and such process can offer this owner by specific interface after this possessory identity of checking, and this does not influence essence of the present invention.

Fig. 4 illustrates according to fourth embodiment of the invention, increases the process flow diagram of the control method of integration in the integration managing system in the integration account.Particularly, in the present embodiment, at first execution in step S240 judges whether described integration account integrates is lower than first threshold, and particularly, those skilled in the art can realize this step with reference to described step S210, do not repeat them here.Further, if the judged result of described step S240 is sure, promptly described account integrates is lower than first threshold, then enters step S241 and continues to carry out; If the judged result of described step S40 negates that promptly described account integrates is not less than first threshold, then process ends.

Particularly, in described step S241, increase second integral in described integration account, preferably, the quantity of described second integral equals number of points described to be deducted.More specifically, obtain number of points described to be deducted, wait to deduct number of points increases equal amount in described integration account integration according to described, it is described second integral, that is to say, obtain former balance of points in the described integration account, then above-mentioned former balance of points and described second integral are carried out summation operation, the operation result with summation operation substitutes above-mentioned former balance of points again.Wherein, can in described integration account, increase described second integral according to storage mode with described integration account corresponding data information, preferably, if be stored in the database with described integration account corresponding data information, then in this database, search and described integration account corresponding data information, then this data message is carried out write operation, for example, revise its integration attribute information; If be stored in the smart card, then the data message in this smart card is carried out write operation by the radio frequency read-write equipment with described integration account corresponding data information.More specifically, corresponding steps in described step S215, described step S225 among second embodiment among those skilled in the art's reference first embodiment and the described step S231 among the 3rd embodiment and the variation example thereof can realize increasing the operation of integration in described integration account, do not repeat them here.

Last execution in step S242, the deduction amount of money corresponding from the payment account of described integration account correspondence with described second integral.Particularly, described second integral is converted into the amount of money according to certain corresponding relation, then the amount of money after the above-mentioned conversion of deduction from the payment account of described integration account correspondence.Art technology is understood, because described second integral quantity equals number of points described to be deducted, therefore change in the example at one, can wait to deduct integration and be converted into the amount of money described, then the amount of money after the above-mentioned conversion of deduction from the payment account of described integration account correspondence according to certain corresponding relation.By such processing mode, avoided after once increasing integration integration account integrates remaining sum still to be not enough to pay the situation of this consumption amount of money, thereby behind this consumption amount of money of feasible payment, remain unchanged before balance of points in the described integration account and the increase integration.Change in the example at another, described second integral can to wait to deduct number of points slightly high than described, for example, can be set to than this institute's number of points of using slightly many (for example many 10 unit integrations) by described second integral, then the amount of money of correspondingly deducting from described payment account is slightly higher than this consumption amount of money, thereby makes balance of points in the described integration account than slightly high (for example exceeding 10 unit integrations) before increasing integration after increasing integration, paying this consumption amount of money; Change in the example at another, can described second integral be set according to following formula:

Number of points+first threshold-integration the account balance of second integral=this consumption amount of money correspondence

By such operation, make that the balance of points in the described integration account just in time equals described first threshold after increasing integration, paying this to consume amount of money, promptly can not increase the nil-norm of integration from this integration account of trend, do not repeat them here.

One at present embodiment changes in the example, described step S241 can be changed to the step of " increasing first integral in integration account integrates quantity is lower than the integration account of first threshold ", correspondingly, described step S242 can be changed to the step of " the deduction amount of money corresponding with described first integral from the payment account of described integration account correspondence ", those skilled in the art can realize this variation example in conjunction with described step S215 among first embodiment shown in above-mentioned Fig. 1 and step S216, do not repeat them here.

Fig. 5 illustrates according to a present invention embodiment, increases the network topological diagram of the control method of integration in the integration managing system in the integration account.Particularly, in the present embodiment, 5 pairs of described integration accounts of integration managing system manage, 6 pairs of described payment accounts of bank management system manage, described integration managing system 5 and bank management system 6 connect corresponding relation database 8, wherein, described corresponding relation database 8 comprises first subdata base 81 and second subdata base 82, wherein, described first subdata base 81 is used to store the correspondence relationship information of described integration account and described payment account, and described second subdata base 82 is used to store the corresponding relation of the amount of money in described integration and the described payment account.It will be appreciated by those skilled in the art that described corresponding relation database 8 can be positioned at described integration managing system 5 and/or described bank management system 6; Described corresponding management database 8 can also be positioned at the third party system that is independent of described integration managing system 5 and described bank management system 6, described integration managing system 5 and described bank management system 6 can be by the described third party of Internet connection systems, this does not influence flesh and blood of the present invention, does not repeat them here.

Further, described integration managing system 5 connects integrations and uses terminals 32, wherein, the communication module that described integration uses terminal 32 preferably can comprise to support the client modules that integration uses and is used for communicating by letter with described integration managing system 5, for example, it can be to be positioned at integration consumption place to support the point of sales terminal that described integration uses that described integration uses terminal, further preferably, described integration uses terminal 32 can also comprise smart card read-write device, like this, described integration uses terminal 32 to carry out read-write operation to the smart card of the data message that is loaded with integration account and/or payment account.Described client 33 connects described integration managing system 5 and bank management system 6, wherein, the operational order that the user can send the described integration or the amount of money to described integration managing system 5 and bank management system 6 by described client 33, preferably, described client 33 can be desk-top calculating.

More specifically, described integration managing system 5 uses terminal 32 and client 33 by the described integration of Internet connection, described bank management system 6 is by the described client 33 of Internet connection, and described smart card 31 uses terminal 32 to communicate with RF-wise and described integration.Change in the example at one, described integration uses terminal 32 can comprise the GPRS module, thereby can connect described integration managing system 5 by GPRS network.

In a preference of present embodiment, the described integration that the user uses in the card by described smart card 31, described integration uses terminal 32 to read described smart card 31 to obtain the number of points in the described integration account, and send to described integration managing system 5 together with number of points described to be deducted, described integration managing system 5 judges that whether receive described wait to deduct number of points greater than the integration in the described integration account, if judged result is sure, then described integration managing system 5 uses terminal 32 to increase second integral in described integration account by described integration, further, described integration managing system 5 obtains the identification information of the payment account corresponding with described integration account and indicates described bank management system 6 to deduct the corresponding amount of money from described payment account by visiting described corresponding relation database 8, described bank management system 6 obtains the dollar amount corresponding with described second integral by visiting described corresponding relation database 8, and then deducts the dollar amount corresponding with described second integral from described payment account.

In another preference of present embodiment, whether the integration of described integration managing system 5 in some cycles is judged the described integration account of its management is lower than first threshold, if the result who judges is sure, then described integration managing system 5 sends the described request information by the mobile network to mobile phone 9, the user can send feedback informations to described integration managing system 5 by described mobile phone 9 then, if the feedback result that described feedback information comprises is sure, described corresponding relation database 8 obtains and send the identification information of the payment account corresponding with described integration account and the dollar amount corresponding with described first integral to described bank management system 6 by visiting in then described integration managing system 5, and described then bank management system 6 is deducted the amount of money corresponding with described first integral from the payment account of described integration account correspondence.

In another preference of present embodiment, the user utilizes described client 33 to connect described bank management system 6 and indicates described payment account to make a payment action, described bank management system 6 sends the instruction that increases third integral in described integration account to described integration managing system 5, and described then integration managing system increases third integral according to described instruction in described integration account.

One at present embodiment changes in the example, described bank management system 6 can be changed to the stored value accounts management system, particularly, in this variation example, described payment account preferably includes stored value accounts, and wherein, described stored value accounts is managed by described stored value accounts management system, described integration managing system is after described integration account increases described integration, and described stored value accounts management system is deducted the amount of money of respective numbers in described stored value accounts according to the quantity of described integration.

In another variation example of present embodiment, described bank management system 6 can be omitted, particularly, in this variation example, described payment account preferably includes described integration account, the integration that increases in a described integration account can be deducted in the described integration account from another, it will be appreciated by those skilled in the art that such increase/deduction operation can be finished by described integration managing system 5.Further, described second subdata base 82 correspondingly is changed to the corresponding relation that is used to store between the different integrations, for example, integration account A integrates is 3 to 1 with the corresponding relation of the amount of money, integration account B integrates is 6 to 1 with the corresponding relation of the amount of money, and then this integration account A is 1 to 2 with the corresponding relation of integration account B integrates, again for example, those skilled in the art can set the corresponding relation 5 of described integration in the different described integration accounts according to actual needs, do not repeat them here.And change in the example at another, when not needing to be distinguished between the described integration of the described integration account of difference (when the corresponding relation between for example described integration is 1 to 1), then described second subdata base 82 can be omitted.

One at present embodiment changes in the example, can also comprise third party's management system, preferably, described third party's management system comprises e-commerce system, wherein, described e-commerce system is connected with described integration managing system 5 and bank management system 6, after the user consumes by described e-commerce system, described e-commerce system sends to described integration managing system 5 and bank management system 6 with identity information and this number of points of consuming required payment of user, described integration managing system 5 determines described integration account according to user's identity information, and determine number of points described to be deducted according to this number of points of consuming required payment, wait to deduct number of points greater than the integration in the described integration account as if described, then described integration managing system 5 increases described integration in described integration account, described bank management system 6 is determined described payment account according to user's identity information, and from wherein deducting the amount of money corresponding with increasing integration.

Those skilled in the art understand, the identification information of described integration account and the identification information of described payment account can be carried on the same carrier, preferably, this carrier comprises that radio-frequency card particularly, corresponding between the identification information that is carried on the described integration account on the identical carrier and the identification information of described payment account, in other words, with corresponding between corresponding integration account of above-mentioned identification information and the payment account, can determine described integration account and payment account corresponding with it this moment according to the identification information on this carrier.Therefore at present embodiment changes in the example, described subdata base 81 can be omitted, this moment, the corresponding relation of described integration account and described payment account preferably was stored in the described smart card 31, correspondingly, described integration managing system 5 obtains the corresponding relation of described integration account and described payment account from described smart card 31.

Fig. 6 illustrates according to fifth embodiment of the invention, increases the structural representation of the control device of integration in the integration managing system in the integration account.Particularly, in the present embodiment, described control device 4 comprises first judgment means 41, first dispensing device 42, first receiving device 43, the 5th judgment means 44, the 6th judgment means 45, first treating apparatus 46 and the first deduction device 47, wherein, described first judgment means 41 is used to judge whether the integration in the described integration account is lower than first threshold, described first dispensing device 42 is used for sending whether inquiry increases integration in the described integration account with purpose solicited message to the user corresponding with described integration account, described first receiving device 43 is used to receive the feedback information corresponding with described request information, described the 5th judgment means 44 is used to judge whether the feedback result that described feedback information comprises is sure, described the 6th judgment means 45 is used for judging whether increase the integration total amount to described integration account in the unit interval surpasses second threshold value, described first treating apparatus 46 is used for increasing first integral in integration account integrates quantity is lower than the integration account of first threshold, and the described first deduction device 47 is used for the payment account deduction amount of money corresponding with described first integral from described integration account correspondence.

More specifically, described first judgment means 41 compares number of points in the described integration account and described first threshold, to judge whether the integration in the described integration account is lower than described first threshold, if judged result is sure, then it triggers described first dispensing device 42 and sends whether inquiry increases integration in the described integration account with purpose solicited message to the user corresponding with described integration account.Wherein, described first dispensing device 42 can comprise to the electronic equipment of described integration account binding, can comprise that also described integration uses terminal.Described then first receiving device 43 receives the feedback information corresponding with described request information, wherein, whether described feedback information is used to indicate the user with increasing integration in the described integration account of purpose, preferably, described first receiving device 43 receives described feedback information by sending the corresponding mode of described feedback information institute with the user, for example, can pass through note, Email or described integration and use terminal.Described the 5th judgment means 44 of triggering judged whether the feedback result that described feedback information comprises is sure after described first receiving device 43 received described feedback information, if judged result is sure, whether then it triggers 45 judgements of described the 6th judgment means increases the integration total amount above second threshold value to described integration account in the unit interval, preferably, described second threshold value and unit interval are set, the described integration account of subtend increases the quantity of integration and carries out record, and the quantity addition that described the 6th judgment means 45 will be in the unit interval increases integration to described integration account according to this record can obtain the integration total amount that increased.Further, if the judged result of described the 6th judgment means 45 negates, then it triggers described first treating apparatus 46 increases first integral in integration account integrates quantity is lower than the integration account of first threshold, particularly, described first treating apparatus 46 can according to the storage mode of described integration account corresponding data information, in described integration account, increase described first integral, preferably, if be stored in the database with described integration account corresponding data information, then in this database, search and described integration account corresponding data information, then this data message is carried out write operation.Next described first treating apparatus 46 triggers the described first deduction device 47 and deduct the amount of money corresponding with described first integral from the payment account of described integration account correspondence, preferably, described payment account can be a bank account, stored value accounts or the integration account that is used to pay, particularly, the relation information of described integration account and payment account can be stored in the database, the described first deduction device 47 can find the relation information of itself and payment account according to the identification information of described integration account, determine described payment account according to this relation information then, the deduction amount of money corresponding in described payment account with described first integral.In a preference, described integration account is corresponding with one or more payment accounts, particularly, the described first deduction device 47 is determined the one or more payment accounts corresponding with described integration account, then the deduction amount of money corresponding with described first integral from these payment accounts; Further preferably, described payment account has priority, particularly, can comprise the precedence information that is used to indicate priority with described payment account corresponding data information, preferably, the described first deduction device 47 is determined the payment order by the priority that more a plurality of described payment account had.

Preferably, in the present embodiment, if the judged result of described first judgment means 41 negates then to judge in next particular moment whether the integration in the described integration account is lower than first threshold, so that the integration in the described integration account can not be lower than described first threshold usually again.This is actually the process of a cycle criterion, for example can judge at special time every day; Can also judge at special time weekly; Can also be after the integration of deduction in the described integration account or before judge.Preferably, described first judgment means 41 can be carried out according to the instruction that the user sends, for example can be with supplement the instruction that instruction as indication described first judgment means 41 carry out of user to described payment account; The instruction that for example user can be carried out as described first judgment means 41 of indication the reservation instruction of commodity or service again.

Preferably, described first treating apparatus 46 comprises second treating apparatus 461, wherein, described second treating apparatus 461 is used for increasing first integral in described integration account, particularly, the quantity of the pairing integration of described first integral can be set according to actual needs in advance, and in the time will increasing first integral in described integration account, described second treating apparatus 461 can be in database carries out read-write operation to the integration attribute of described integration account institute corresponding objects; Can also carry out read-write operation with described integration account corresponding data information in the smart card to being stored in.Further, increasing first integral at every turn in described integration account after, described second treating apparatus 461 judges that whether the quantity of the described first integral that this accumulates is greater than number of points described to be deducted, just greater than number of points described to be deducted, trigger the corresponding amount of money of the amount of accumulating of the described first deduction device 47 deduction and described first integral in the described payment account up to the product of the number of times that in described integration account, increases described first integral and described first integral quantity then.Preferably, described second treating apparatus 461 can carry out record to the quantity of the described first integral that increases, it is every to increase a first integral in described integration account, then correspondingly increase the amount of accumulating of described first integral, and whether the quantity of this described first integral that accumulates is judged greater than number of points described to be deducted.Change in the example at one, the described first deduction device of triggering is done further processing described second treating apparatus 461 does not increase described first integral in described integration account after, judge that then whether this described first integral that accumulates is greater than number of points described to be deducted, if judged result negates, then described second treating apparatus 461 increases first integral once more in described integration account, till judged result is sure.

One at present embodiment changes in the example, described second treating apparatus 461 can be changed to the 3rd treating apparatus, and wherein, described the 3rd treating apparatus is used for increasing second integral in described integration account, preferably, the quantity of described second integral equals number of points described to be deducted.Particularly, obtain number of points described to be deducted, wait to deduct number of points increases equal amount in described integration account integration according to described, it is described second integral, wherein, can in described integration account, increase described second integral according to storage mode with described integration account corresponding data information, preferably, if be stored in the database with described integration account corresponding data information, then described the 3rd treating apparatus is searched in this database and described integration account corresponding data information, then this data message is carried out write operation; If be stored in the smart card with described integration account corresponding data information, then described the 3rd treating apparatus carries out write operation by the radio frequency read-write equipment to the data message in this smart card.Further, the described first deduction device 47 is deducted the amount of money corresponding with described second integral from the payment account of described integration account correspondence, particularly, the described first deduction device 47 is converted into the amount of money with described second integral according to certain corresponding relation, then the amount of money after the above-mentioned conversion of deduction from the payment account of described integration account correspondence.Change in the example at one, described second integral can to wait to deduct number of points slightly high than described; Change in the example at another, can described second integral be set according to following formula:

One at present embodiment changes in the example, described first dispensing device 42, first receiving device 43 and the 5th judgment means 44 can be omitted, particularly, if the judged result of described first judgment means 41 is sure, then it triggers described the 6th judgment means 45 and does further processing.Preferably, whether can preestablish at user's different demands need increase the user's query of integration forward direction at every turn in the integration account, for example, do not need inquiry if the user sets, then described first dispensing device 42, first receiving device 43 and the 5th judgment means 44 can be omitted.

In another variation example of present embodiment, described the 6th judgment means 45 can be omitted, and particularly, if the judged result of described the 5th judgment means 44 is sure, then it triggers described first treating apparatus 46 and does further processing.

In another variation example of present embodiment, described first treating apparatus 46 can exchange with the position of the described first deduction device 47, particularly, if the judged result of described the 6th judgment means 45 negates, then it triggers the described first deduction device 47 and does further processing, and the described then first deduction device 47 triggers described first treating apparatus 46 and does further processing.

In another variation example of present embodiment, if the judged result of described first judgment means 41 is sure, whether then it triggers 45 judgements of described the 6th judgment means increases the integration total amount above second threshold value to described integration account in the unit interval, if surpass described second threshold value, then described the 6th judgment means 45 is by triggering described first dispensing device 42, first receiving device 43 and the 5th judgment means 44 are to trigger described first treating apparatus 46 under the sure situation to do further processing by described the 5th judgment means 44 in judged result to finish inquiry user's process then.

Fig. 7 illustrates according to sixth embodiment of the invention, and Fig. 6 illustrates the structural representation of described first judgment means 41 in the control device.Particularly, described first judgment means 41 comprises first deriving means 411, second judgment means 412 and the 4th judgment means 413, wherein, described first deriving means 411 is used to obtain this number of points to be deducted, whether described second judgment means 412 is used to judge describedly waits to deduct number of points greater than the integration in the described integration account, described the 4th judgment means 413 is used for when described when waiting to deduct number of points greater than the integration in the described integration account, and whether the integration of judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid.

More specifically, described first deriving means 411 is used to obtain this number of points to be deducted, in a preference, be stored in the smart card with described integration account corresponding data information, then described first deriving means 411 can utilize wired or wireless network to use terminal to obtain this number of points to be deducted by described integration; And in another preference, can obtain this number of points to be deducted from mobile memory medium; In another preference, can determine this number of points to be deducted by this e-commerce platform, obtain this number of points to be deducted from this e-commerce platform then.Described then first deriving means 411 triggers described second judgment means 412 and judges and describedly whether wait to deduct number of points greater than the integration in the described integration account, particularly, described second judgment means 412 is obtained the number of points in the described integration account, wait to deduct number of points and described account integrates quantity compares to described, describedly whether wait to deduct number of points to judge greater than the integration in the described integration account, if judged result is sure, then it triggers described the 4th judgment means 413 and does further processing.Wherein, when described when waiting to deduct number of points greater than the integration in the described integration account, described the 4th judgment means 413 judges that whether the integration of payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid, particularly, described payment account is corresponding with described integration account, the amount of money in the described payment account is corresponding with described integration, the amount of money in the described payment account is converted into the integration of respective amount according to certain corresponding relation, then number of points after the above-mentioned conversion and number of points described to be deducted are compared, with the integration of payable remaining sum correspondence in the payment account of judging described integration account correspondence whether greater than integration described to be paid, if judged result is sure, then it triggers described first dispensing device 42 and does further processing.

Preferably, described second judgment means 412 comprises the 3rd judgment means 4121, wherein, described the 3rd judgment means 4121 be used to judge described wait to deduct number of points and described first threshold and whether greater than the integration in the described integration account, particularly, if the judged result of described the 3rd judgment means 4121 is sure, then it triggers described the 4th judgment means 413 and does further processing.

Fig. 8 illustrates according to seventh embodiment of the invention, increases the structural representation of the control device of integration in the integration managing system in the integration account.Particularly, in the present embodiment, described control device 4 ' comprise second receiving trap 48, first treating apparatus 46 ' and the first deduction device 47, wherein, described second receiving trap 48 is used to receive in described integration account the instruction that increases integration, first treating apparatus 46 ' be used for increases first integral in integration account integrates quantity is lower than the integration account of first threshold, the first deduction device 47 is used for the payment account deduction amount of money corresponding with described first integral from described integration account correspondence.

More specifically, described second receiving trap 48 receives the instruction that increases integration in described integration account, wherein, described instruction preferably can comprise described integration account identification information and number of points information, can also comprise the identification information of described payment account.Preferably, described instruction can be sent/be input to described second receiving trap 48 by the user, described second receiving trap 48 receives described instruction, for example, described second receiving trap 48 can provide user interface to obtain described instruction, those skilled in the art can above-mentioned user interface in conjunction with prior art, does not repeat them here.In a preference, described instruction is made a payment action according to the payment account of described integration account correspondence and is generated; And in another preference, described instruction is made a payment action according to described integration account and is generated; In another preference, described instruction is specified to increase as integration to described integration account by input equipment according to the consumer and is generated.Further, described second receiving trap 48 triggers the interior first integral that increases of integration account that first treating apparatus, 46 sound integration account integrates quantity are lower than first threshold, preferably, described first treating apparatus 46 ' comprise that manages device 464 everywhere, wherein, described manages device 464 everywhere is used for increasing third integral in described integration account, described then the manages device 464 everywhere triggers the described first deduction device 47 deduct the amount of money corresponding with described third integral from the payment account of described integration account correspondence, particularly, the described first deduction device 47 obtains the quantity of described third integral from the described instruction that increases integration in described integration account, obtain the dollar amount corresponding according to the described integration and the corresponding relation of the amount of money then, the above-mentioned dollar amount of deduction from the payment account of described integration account correspondence with described third integral.

More than specific embodiments of the invention are described.It will be appreciated that the present invention is not limited to above-mentioned specific implementations, those skilled in the art can make various distortion or modification within the scope of the claims, and this does not influence flesh and blood of the present invention.

Claims

1. a control method that increases integration in the integration managing system in the integration account wherein, comprises the steps:

B. in being lower than the integration account of first threshold, integration account integrates quantity increases first integral.

2. method according to claim 1 wherein, also comprises the steps:

C. from the payment account of described integration account correspondence, deduct the amount of money corresponding with described first integral.

3. control method according to claim 1 and 2 wherein, also comprises the steps: before the described step b

A. judge whether the integration in the described integration account is lower than first threshold;

Wherein, when the judged result of described step a is sure, continue execution in step b.

4. control method according to claim 3, wherein, the determining step among the described step a was made in following arbitrary moment:

Before the integration in the described integration account of-deduction;

After the integration in the described integration account of-deduction;

-every day special time; Perhaps

-special time weekly.

5. control method according to claim 3 wherein, is carried out described step a before the integration in the described integration account of deduction, and wherein, described step a comprises the steps:

I. obtain this number of points to be deducted;

Ii. judge and describedly whether wait to deduct number of points greater than the integration in the described integration account;

Iii. wait to deduct number of points greater than the integration in the described integration account as if described, then continue execution in step b.

6. control method according to claim 5, wherein, described step I i comprises the steps:

Ii '. judge described wait to deduct number of points and described first threshold and whether greater than the integration in the described integration account.

7. according to claim 5 or 6 described control methods, wherein, described step I ii comprises the steps:

Iii1. if describedly wait to deduct number of points greater than the integration in the described integration account, whether the integration of then judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid; And

Iii2. if the integration of payable remaining sum correspondence then continues execution in step b greater than integration described to be paid in the payment account of described integration account correspondence.

8. according to each described control method in the claim 5 to 7, wherein, described step b comprises the steps:

-carry out following steps respectively N time:

B1. in described integration account, increase first integral;

Wherein, the product of described N and described first integral quantity is just greater than number of points described to be deducted.

9. according to each described control method in the claim 5 to 7, wherein, described step b comprises the steps:

B1 '. increase second integral in described integration account, the quantity of described second integral equals number of points described to be deducted.

10. according to each described control method in the claim 1 to 9, wherein, also comprise the steps: before the described step b

-send whether inquiry increases integration in the described integration account with purpose solicited message to the user corresponding with described integration account;

The feedback information that-reception is corresponding with described request information;

The feedback result that the described feedback information of-Ruo comprises is sure, then carries out described step b.

11., wherein, also comprise the steps: before the described step b according to each described control method in the claim 1 to 10

-judge whether increase the integration total amount to described integration account in the unit interval surpasses second threshold value;

-Ruo increases the integration total amount to described integration account and does not surpass described second threshold value in the unit interval, then carry out described step b.

12. control method according to claim 1 and 2 wherein, also comprises the steps: before the described step b

A '. receive the instruction that in described integration account, increases integration;

Wherein, described step b comprises the steps:

B '. in described integration account, increase third integral.

13. a control device that increases integration in the integration managing system in the integration account is characterized in that, comprises as lower device:

First treating apparatus, it is used for increasing first integral in integration account integrates quantity is lower than the integration account of first threshold.

14. control device according to claim 13 is characterized in that, also comprises as lower device:

The first deduction device, it is used for the payment account deduction amount of money corresponding with described first integral from described integration account correspondence.

15. according to claim 13 or 14 described control device, it is characterized in that, also comprise as lower device:

First judgment means, it is used to judge whether the integration in the described integration account is lower than first threshold;

Wherein, described first treating apparatus is used for when the integration in the described integration account is lower than first threshold, increases first integral in integration account integrates quantity is lower than the integration account of first threshold.

16. control device according to claim 15 is characterized in that, described first judgment means judged in following arbitrary moment:

Before the integration in the described integration account of-deduction;

After the integration in the described integration account of-deduction;

-every day special time; Perhaps

-special time weekly.

17. control device according to claim 15 is characterized in that, judges before the integration of described first judgment means in the described integration account of deduction, wherein, described first judgment means comprises as lower device:

First deriving means, it is used to obtain this number of points to be deducted;

Second judgment means, whether it is used to judge describedly waits to deduct number of points greater than the integration in the described integration account;

Wherein, described first treating apparatus is used for when described when waiting to deduct number of points greater than the integration in the described integration account, increases first integral in integration account integrates quantity is lower than the integration account of first threshold.

18. control device according to claim 17 is characterized in that, described second judgment means comprises as lower device:

The 3rd judgment means, its be used to judge described wait to deduct number of points and described first threshold and whether greater than the integration in the described integration account.

19., it is characterized in that described first judgment means comprises as lower device according to claim 17 or 18 described control device:

The 4th judgment means, it is used for when described when waiting to deduct number of points greater than the integration in the described integration account, and whether the integration of judging payable remaining sum correspondence in the payment account of described integration account correspondence is greater than integration described to be paid;

Wherein, described first treating apparatus be used for when the integration of payable remaining sum correspondence in the payment account of described integration account correspondence greater than described when waiting to pay integration, in integration account integrates quantity is lower than the integration account of first threshold, increase first integral.

20., it is characterized in that described first treating apparatus comprises as lower device according to each described control device in the claim 17 to 19:

-trigger as lower device respectively and carry out N time:

Second treating apparatus, it is used for increasing first integral in described integration account;

21., it is characterized in that described first treating apparatus comprises as lower device according to each described control device in the claim 17 to 19:

The 3rd treating apparatus, it is used for increasing second integral in described integration account, and the quantity of described second integral equals number of points described to be deducted.

22. according to each described control device in the claim 13 to 21, it is characterized in that, also comprise as lower device:

First dispensing device, it is used for sending whether inquiry increases integration in the described integration account with purpose solicited message to the user corresponding with described integration account;

First receiving device, it is used to receive the feedback information corresponding with described request information;

The 5th judgment means, it is used to judge whether the feedback result that described feedback information comprises is sure;

Wherein, described first treating apparatus is used for when feedback result that described feedback information comprises when being sure, increases first integral in integration account integrates quantity is lower than the integration account of first threshold.

23. according to each described control device in the claim 13 to 22, it is characterized in that, also comprise as lower device:

The 6th judgment means, it is used for judging whether increase the integration total amount to described integration account in the unit interval surpasses second threshold value;

Wherein, described first treating apparatus be used for when in the unit interval when described integration account increases the integration total amount and surpasses described second threshold value, in integration account integrates quantity is lower than the integration account of first threshold, increase first integral.

24. according to claim 13 or 14 described control device, it is characterized in that, also comprise as lower device:

Second receiving trap, it is used to receive the instruction that increases integration in described integration account;

Wherein, described first treating apparatus comprises as lower device:

Manages device everywhere, and it is used for increasing third integral in described integration account.

25., it is characterized in that described instruction is generated according in the following content each according to claim 12 or 24 described control method/devices:

The payment account of-described integration account correspondence is made a payment action;

-described integration account is made a payment action; Perhaps

-consumer specifies to described integration account by input equipment increases integration.

26., it is characterized in that described payment account is corresponding with a plurality of integration accounts according to each described control method/device in the claim 2 to 25.

27., it is characterized in that described integration account is corresponding with a payment account according to each described control method/device in the claim 2 to 25.

28. control method according to claim 27/device is characterized in that, the identification information of described integration account and the identification information of described payment account are carried on the same carrier.

29., it is characterized in that described integration account is corresponding with a plurality of payment accounts according to each described control method/device in the claim 2 to 25.

30. control method according to claim 29/device is characterized in that described payment account has priority.

31., it is characterized in that described payment account is any in the following account according to each described control method/device in the claim 2 to 30:

-integration account;

-bank account; Perhaps

-stored value accounts.

32. according to each described control method/device in the claim 1 to 31, it is characterized in that the integration account is divided into some ranks, and at each other integration account of level, described first integral and/or third integral are all different.