CN111489153A - Payment discount information management system and method thereof - Google Patents
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Abstract
The invention provides a payment discount information management method, which comprises the following steps: connecting a payment discount database with at least one business webpage or at least one business end device, wherein the payment discount database is provided with a payment discount management mechanism; providing at least one payment preference data from the provider web page or the provider terminal device to the payment preference database; processing the payment discount data by using the payment discount management mechanism to generate at least one payment instrument data and at least one initial payment discount sequencing data; and at least one member end device is connected with and operates the payment discount management mechanism of the payment discount database, and at least one appointed payment tool is selected to obtain appointed payment discount sequencing data.
Description
Technical Field
The invention relates to a management system and method for payment [ payment ] discount information [ reward information ]; in particular to a cashless payment (non-cash payment) discount information management system and method thereof; more particularly, to a consumer and consumption location (position) combined offer information management system and method thereof.
Background
Credit card award systems and methods are known, such as the "" credit card award program, system and method "" of taiwan patent No. TW-I358678, which discloses a computerized system for rewarding a holder of a payment product for using the payment product. The computerized system includes a payment product issued by an issuer to a holder, the payment product representing funds available to the holder, and the payment product providing a payment device for at least one purchase transaction by the holder. The payment product is a credit card, a debit card, a bank card, a smart card and an automatic teller card.
In summary, the computerized system according to TW-I358678 further comprises: at least one data processor, and the data processor is adapted to: (i) comparing the at least one purchase transaction using the payment product with a predetermined incentive eligibility criterion of the issuer to determine whether the at least one purchase transaction is an eligible purchase transaction that meets the predetermined incentive eligibility criterion, and the eligible purchase transaction includes a purchase of at least one of goods and services to any provider thereof.
In summary, the data processor mentioned in TW-I358678 is adapted to: (ii) calculating and storing a first value redeemable by the holder for at least one benefit according to the at least one purchase transaction when the at least one purchase transaction is determined to be a qualified purchase transaction. The computerized system further comprises: further comprising a catalog including at least one of goods and services for presenting said at least one benefit for selection by said holder.
In summary, the data processor mentioned in TW-I358678 is adapted to: (iii) when one or more trip distances are determined that are relevant to the eligible purchase transaction, and for the at least one benefit based on the determined trip distances, a second value redeemable by the holder is calculated and stored. The at least one benefit includes: at least one item of merchandise and services related to travel; at least one of free and discounted travel offered by an airline selected by the holder; at least one of free and discounted travel for a destination selected by the holder; at least one of free and discounted lodging selected by the bearer.
In summary, the computerized system according to TW-I358678 further comprises: providing the cardholder access to the stored first value and the stored second value to facilitate redemption of at least a portion of at least one of the first value and the second value; additionally, the predetermined reward eligibility criterion specifies that an eligibility purchase transaction may purchase a transaction for travel tickets or travel passes for any of a variety of approved travel patterns, including at least two of airline, water transportation, bus, automobile, and locomotive.
Another conventional electronic payment management system, such as the new model of electronic payment bonus point management system of taiwan patent No. TW-M552141, discloses an electronic payment bonus point management system. The electronic payment bonus point management system comprises a client electronic device and a point management server electronic device.
In summary, the point management server electronic device of TW-M552141 is connected to the client electronic device, so as to perform management of registered members or bonus points. The electronic device of the point management server comprises a communication interface, a processor and a storage device. The communication interface is used for connecting the client electronic device, the processor is connected to the communication interface, and the storage device is connected to the processor.
Accordingly, the processor mentioned in TW-M552141 is configured to perform: calculating the number of bonus points after a specific action; adding the number of paid bonus points; after the acquired bonus points are executed after the payment amount is refunded, deducting the bonus points according to the proportion of the refunded payment amount; accumulating the exchange of the bonus points; zero-out of the unredeemed points is executed when the validity period expires; performing an automatic invalidation of unredeemed points upon log off of the account; and when a new member registers, establishing a member point management account.
However, the aforementioned credit card award system of TW-I358678 and the electronic payment management system of TW-M552141 disclose only general credit card award or electronic payment management and related technologies thereof. Therefore, there is still a need to provide further improvements in the conventional credit card award system or electronic payment management system [ for example: differential offer information processing). The above-mentioned patent is only for reference and illustration of the present technical background, and it is not intended to limit the scope of the present invention.
In view of the above, the present invention provides a payment discount information management system and method thereof, wherein a payment discount database is connected to at least one provider web page or at least one provider end device, and at least one payment discount data is provided to the payment discount database by the provider web page or the provider end device, and the payment discount database has a payment discount management mechanism, and at least one member end device is connected to the payment discount management mechanism operating the payment discount database, and selects at least one designated payment tool, so as to obtain a designated payment discount sorting data, thereby further improving the technical disadvantage that the conventional credit card reward system or the conventional electronic payment management system does not have differential discount information processing.
Disclosure of Invention
The main purpose of the preferred embodiment of the present invention is to provide a payment discount information management system and method thereof, wherein a payment discount database is connected to at least one provider web page or at least one provider end device, and at least one payment discount data is provided to the payment discount database by the provider web page or the provider end device, and the payment discount database has a payment discount management mechanism, and at least one member end device is connected to operate the payment discount management mechanism of the payment discount database, and selects at least one designated payment tool, so as to obtain a designated payment discount sorting data, thereby achieving the purpose of obtaining preferred payment discount information.
In order to achieve the above object, a payment preference information management system according to a preferred embodiment of the present invention includes:
at least one provider web page or provider end device providing at least one payment preference data;
a payment discount database, which provides at least one payment discount data, connects the payment discount database to the operator webpage or the operator end device, and provides the payment discount data to the payment discount database by the operator webpage or the operator end device;
a payment discount management mechanism configured in the payment discount database and processing the payment discount data by using the payment discount management mechanism to generate at least one payment instrument data and at least one initial payment discount sequencing data; and
at least one member end device which is connected with and operates the payment discount management mechanism of the payment discount database;
when the member terminal device is connected with and operates the payment discount management mechanism of the payment discount database, at least one appointed payment tool is selected to obtain appointed payment discount sequencing data.
The payment discount information management method of the preferred embodiment of the invention comprises:
connecting a payment discount database with at least one business webpage or at least one business end device, wherein the payment discount database is provided with a payment discount management mechanism;
providing at least one payment preference data from the provider web page or the provider terminal device to the payment preference database;
processing the payment discount data by using the payment discount management mechanism to generate at least one payment instrument data and at least one initial payment discount sequencing data; and
at least one member terminal device is connected with and operates the payment discount management mechanism of the payment discount database, and at least one appointed payment tool is selected to obtain appointed payment discount sequencing data.
The payment discount data of the preferred embodiment of the present invention includes a discount data using a specific payment instrument, a cash feedback data, a bonus point data, a consumption discount data, a consumption exchange data or any combination thereof.
The payment privilege management mechanism of the preferred embodiment of the present invention further comprises an advertisement keyword searching software and an advertisement keyword comparing software, and the advertisement keyword searching software and the advertisement keyword comparing software comprise a derived word data set.
The payment privilege management mechanism of the preferred embodiment of the present invention is a payment privilege ranking mechanism.
The payment offer management mechanism of the preferred embodiment of the present invention further includes a spreadsheet to provide a specified data ordering.
The payment discount management mechanism of the preferred embodiment of the present invention further utilizes the payment discount data of the provider web page or the provider end device to correspondingly obtain a discount time limit data.
The payment discount management mechanism of the preferred embodiment of the present invention further utilizes the discount time limit data of the payment discount data to calculate and generate a discount time limit data.
The payment privilege management mechanism of the preferred embodiment of the present invention further utilizes the designated payment tool of the member terminal device to perform the payment privilege cumulative calculation, so as to generate a payment privilege cumulative data.
The designated payment means of the preferred embodiment of the present invention includes a third party payment, an electronic check payment, a mobile payment, a credit card payment, a stored value card payment, a contactless electronic ticketing system smart card payment or a digital currency payment.
The invention has the advantage of solving the technical problem that the prior credit card reward system or the prior electronic payment management system does not have differential preferential information processing.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, a brief description will be given below of the drawings required for the embodiments or the technical solutions in the prior art, and it is obvious that the drawings in the following description are some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1: the block diagram of the payment discount information management system of the first preferred embodiment of the present invention is shown.
FIG. 2: the block diagram of the payment discount information management system of the second preferred embodiment of the present invention is shown.
FIG. 3: the flow chart of the payment preference information management method of the preferred embodiment of the invention is shown schematically.
FIG. 4: the payment discount information management system of the preferred embodiment of the invention adopts a schematic diagram of the initial card swiping feedback fund sorting data.
FIG. 5: the payment discount information management system of the preferred embodiment of the present invention adopts the schematic diagram of the initial bonus point ranking data.
FIG. 6: the payment preference information management system of the preferred embodiment of the present invention adopts a schematic diagram of the initial accumulated mileage sorting data.
FIG. 7: the block diagram of the payment discount information management system according to the third preferred embodiment of the present invention is shown.
FIG. 8: the block diagram of the payment discount information management system according to the fourth preferred embodiment of the present invention is shown.
Wherein, 1-a payment preference database; 10-payment offer management mechanism; 2-the business web page; 20-a merchant-side device; 3-a member end device; 11-a consumption location module; 110-electronic map system or GPS system; 21-a television shopping platform; 22-e-commerce platform; 23-a vending machine; 30-communication means.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
In order that the invention may be fully understood, there shall now be described by way of illustration only preferred embodiments in conjunction with the accompanying drawings, and the description thereof shall not be taken to limit the invention.
The payment discount information management system and method thereof of the preferred embodiment of the present invention are suitable for being configured in various convenience store systems, physical transaction systems, network transaction systems or network store systems, such as: a supermarket, a shopping mall, an auction website system or an online shopping system, but the scope of the invention is not limited thereto. The payment discount information management system and the method thereof of the preferred embodiment of the invention are suitable for being combined and applied to various electronic commerce systems, such as: O2O [ online-to-flex ], B2B or B2C electronic commerce system, but it is not intended to limit the scope of the present invention.
The execution mode of the payment privilege information management system and the method thereof according to the preferred embodiment of the present invention belongs to the program steps (computer-executable process step) that can be executed by a computer, which can be executed in various vending machine systems, various point of sale (POS) terminals, POS systems, and various devices with computing functions [ for example: smart phones, or various computer devices, such as desktop computers (desktop computers), notebook computers (notebook computers), workstation computers (workstation computers), etc.
The payment preference information management system and method thereof according to the preferred embodiment of the present invention are suitable for connecting various internal networks [ intranet ] system or various information network systems [ network system ], for example, including the Internet [ Internet ], various local area networks [ L AN ] or various wireless area networks [ wireless L AN ], but not intended to limit the scope of the present invention.
The present invention employs a definition of "payment instrument" as various non-cash payment instruments or similar payment mechanism instruments, and the present invention employs a definition of "payment offer" as various non-cash payment offer feedbacks or similar payment offer feedback mechanisms, and the present invention employs a definition of "virtual currency", "game virtual currency", or "cryptocurrency" as currency or billing unit used by a specific community in various virtual spaces.
FIG. 1 is a block diagram of a payment offer information management system according to a first preferred embodiment of the present invention. Referring to fig. 1, for example, the payment offer information management system of the first preferred embodiment of the present invention includes a payment offer database 1, a payment offer management mechanism 10, a plurality of business web pages 2, a plurality of business end devices 20, and a plurality of member end devices 3.
Referring to fig. 1 again, for example, the payment offer database 1 provides at least one payment offer data and other related data, and the payment offer database 1 may be selected from a cloud database system (DBMS) or other database systems, and the payment offer database 1 has a database management system (DBMS) and other related operating systems or tools (for example: automatic data collection facility) to establish the payment offer database 1.
Referring again to fig. 1, for example, the payment offer management mechanism 10 is disposed in the payment offer database 1 or other suitable location, the payment offer management mechanism 10 is a payment offer arrangement mechanism, and the payment offer management mechanism 10 can be selected from a payment offer management computer program or a computer program with similar ordering algorithm [ locking algorithm ] and the payment offer management mechanism 10 includes a designated payment offer management application [ APP ].
Referring to fig. 1 again, for example, the business web page 2 is provided or displayed to the user or transmitted to a client device via the internet, the business web page 2 is a company web page or a linkage business web page, and the business web page 2 is used to provide at least one business payment preference data [ for example: discount using a particular payment instrument) or other related data content, such as: cash back, bonus points, accumulated mileage, discount coupons, or preferential terms, and the merchant web page 2 corresponds to a store, retail merchant, department store, or other sales organization.
Referring to fig. 1 again, for example, the client device 20 is used to configure a client website, and the client device 20 is selected from various devices with computing functions [ for example: smart phones, smart phones) or various computer devices [ computer equipment ], such as: desktop computer (desktop computer), tablet computer (tablet computer), notebook computer (notebook computer), tablet computer (netbook), workstation computer (workstation computer), etc., and the customer premises equipment 20 corresponds to a shop, retail outlet, department store or other sales organization.
Referring to fig. 1 again, for example, the member end device 3 is selected from various devices with wired or wireless mobile communication functions, such as: personal Digital Assistants (PDAs), wearable computers (personal computers), smart phones, tablet computers, notebook computers, small electronic or desktop computers, etc., and the member terminal apparatus 3 corresponds to a consumer, a group buyer or other purchasing entity.
FIG. 2 is a block diagram of a payment offer information management system according to a second preferred embodiment of the present invention. Referring to fig. 2, the payment discount information management system according to the second preferred embodiment of the present invention includes a payment discount database 1, a payment discount management mechanism 10, an announcement display unit 11, a plurality of tv shopping platforms 21, a plurality of e-commerce platforms 22, and a plurality of member end devices 3, as compared with the first embodiment.
Referring again to FIG. 2, for example, the TV shopping platform 21 is selected from a TV shopping channel (e.g., MOMO shopping desk or east-son shopping desk) which is usually operated by TV channel and telephone, and the operator plays advertising films or L ive on TV to promote products and orders them by the consumer in free telephone.
Referring to fig. 2 again, for example, the e-commerce platform 22 is selected from an e-commerce pathway platform [ for example: PCHome, momo, shrimp, yahoo, or the like electronic commerce platform on the Internet) and use various electronic tools through the network in the form of electronic transactions (electronic transactions) (for example: network transmission device, computer device and its peripheral equipment) to conduct various commercial transactions.
FIG. 3 is a flowchart illustrating a method for managing payment offer information according to a preferred embodiment of the invention. Referring to fig. 1, fig. 2 and fig. 3, the payment offer information management method according to the preferred embodiment of the present invention includes step S1: first, for example, the payment offer database 1 is connected to the at least one owner web page 2 or the at least one owner device 20 in an automatic, semi-automatic or non-automatic manner, and the payment offer database 1 has the payment offer management mechanism 10.
Referring to fig. 1, fig. 2 and fig. 3 again, for example, the payment discount management mechanism 10 alternatively includes an advertisement keyword searching software and an advertisement keyword comparison software, and the advertisement keyword searching software and the advertisement keyword comparison software may optionally include a derived word data set. The payment offer management mechanism 10 of another preferred embodiment of the present invention optionally includes a spreadsheet to provide a specified data ordering.
Referring to fig. 1, fig. 2 and fig. 3 again, the payment offer information management method according to the preferred embodiment of the present invention includes step S2: then, for example, at least one payment offer data is provided to the payment offer database 1 by the provider web page 2 or the provider device 20 in an automatic, semi-automatic or non-automatic manner. The payment preference data of the preferred embodiment of the present invention includes a discount data [ e.g.: a day discount of a department store, a special discount of a specific merchant's consumption, a special discount of a membership card or other special discount), a cash back data, a bonus point data, a consumption discount data [ for example: coupon for discount), a consumption redemption data [ e.g.: accumulated mileage), or any combination thereof.
Referring to fig. 1, fig. 2 and fig. 3 again, for example, the payment offer information management method according to another preferred embodiment of the present invention includes another step: the payment discount management mechanism 10 selects to further use the payment discount data of the provider web page 2 or provider device 20 to correspondingly obtain a discount time limit data or other related digital data [ for example: the name, address, traffic route information, vehicle and distance, vehicle and travel time, distance between the customer location and the business location, recommended entrance ticket, air ticket, ship ticket, meal ticket, lodging ticket, applicable payment order or applicable merchandise item, combination and quantity of the same ] of the special department store, store or supermarket, and the payment discount management mechanism 10 chooses to further utilize the special time deadline information of the payment discount information to calculate and generate a special time deadline reciprocal information in an automatic, semi-automatic or non-automatic manner.
Referring to fig. 1, fig. 2 and fig. 3 again, the payment offer information management method according to the preferred embodiment of the present invention includes step S3: then, for example, the payment privilege management mechanism 10 is utilized to manage the payment privilege by a predetermined program [ for example: sort algorithm program) processes the payment offer data to generate at least one payment instrument data and at least one initial payment offer sort data or other sort data [ e.g.: or distance ranking data between the consumer location and the business location, or vehicle and distance ranking data, or vehicle and ride time ranking data) for selection or reference by the consumer.
Fig. 4 is a schematic diagram of a payment offer information management system using initial card swiping reward package ordering data [ initial payment offer ordering data ] according to a preferred embodiment of the present invention. Referring to fig. 4, for example, the payment discount information management system according to the preferred embodiment of the present invention obtains cash feedbacks corresponding to the first credit card a, the second credit card B, the third credit card C, the fourth credit card D, the fifth credit card E and the sixth credit card F, which are sequentially arranged and displayed as 1.2%, 1.1%, 1.0%, 0.9%, 0.8% and 0.7% of the amount of the card swiping.
FIG. 5 is a schematic diagram of a payment offer information management system according to a preferred embodiment of the present invention, which adopts initial bonus point sorting data [ initial payment offer sorting data ]. Referring to fig. 5, for example, the payment discount information management system according to the preferred embodiment of the present invention obtains the corresponding bonus point feedbacks of the first credit card a, the second credit card B, the third credit card C, the fourth credit card D and the fifth credit card E, which are respectively arranged and displayed as 60 yuan/point, 50 yuan/point, 40 yuan/point, 30 yuan/point and 20 yuan/point of the amount of the card swiping.
Fig. 6 is a schematic diagram of a payment offer information management system according to a preferred embodiment of the present invention, which adopts initial accumulated mileage ordering data [ initial payment offer ordering data ]. Referring to fig. 6, for example, the payment discount information management system according to the preferred embodiment of the present invention obtains the corresponding accumulated mileage feedbacks of the first credit card a, the second credit card B, the third credit card C, the fourth credit card D and the fifth credit card E, which are respectively and sequentially arranged and displayed as 50 yuan/li, 45 yuan/li, 40 yuan/li, 30 yuan/li and 25 yuan/li of the amount of the card swiping.
Referring to fig. 4, 5 and 6, for example, the payment benefit information management system of the preferred embodiment of the present invention integrates the initial card swiping reward program data [ as shown in fig. 4 ], the initial bonus point program data [ as shown in fig. 5 ] and the initial accumulated mileage program data [ as shown in fig. 6 ] into a single initial payment benefit program data system.
Referring to fig. 1, fig. 2 and fig. 3 again, the payment offer information management method according to the preferred embodiment of the present invention includes step S4: then, for example, the member terminal device 3 is connected to operate the payment discount management mechanism 10 of the payment discount database 1, and selects at least one or several designated payment tools [ for example: credit card, mobile payment, virtual currency) to obtain a specified payment preference ranking data or other related ranking data [ e.g.: the name of the special department store, store or reseller, tickets, air tickets, boat tickets, meal tickets, lodging tickets, applicable payment or applicable merchandise items, combinations and quantities thereof).
Referring to fig. 1, 2, 3, 4, 5 and 6, for example, the designated payment offer ranking data of the payment offer information management system according to the preferred embodiment of the present invention is generated by integrating the initial card swipe reward ranking data [ as shown in fig. 4 ], the initial bonus point ranking data [ as shown in fig. 5 ] and the initial accumulated mileage ranking data [ as shown in fig. 6 ] and displayed in a single designated payment offer ranking data system.
Referring to fig. 1, fig. 2 and fig. 3 again, the payment offer information management method of the preferred embodiment of the present invention includes another step: the payment discount management mechanism 10 selects to further use the designated payment means of the member terminal device 3 to perform payment discount accumulation or deduction calculation in an automatic, semi-automatic or non-automatic manner, so as to generate a payment discount accumulation data or a payment discount use deduction data [ or payment discount remaining data ].
Referring again to fig. 1, 2, 3, 4, 5 and 6, for example, the designated payment means includes a third party payment, an electronic check payment, a mobile payment, a credit card payment, a stored value card payment, a contactless electronic ticket system smart card payment or a digital currency payment. For example, the third party payment includes internet payment, mobile phone payment, fixed phone payment or digital television payment; and the electronic payment comprises electronic payment undertaken by a non-financial merchant; the value storing card comprises a leisure card, a one-card, iCash and the like; and said mobile payment comprises transfer payment based on short message, mobile bill payment, mobile device web payment [ WAP ], contactless payment [ NFC ] or any combination thereof; and the digital currency includes bitcoin, lyte coin, rembo coin, etc.
FIG. 7 is a block diagram of a payment offer information management system according to a third preferred embodiment of the present invention. Referring to fig. 7, the payment offer information management system according to the third preferred embodiment of the present invention comprises a payment offer database 1, a payment offer management mechanism 10, several vending machines [ vending machine systems ] 23 and several member terminal devices 3, and the vending machine 23 is suitable for various payment tools, and the vending machine 23 can provide at least one payment offer information. The vending machine 23 according to another preferred embodiment of the present invention can be replaced by any vending machine or any automatic operation device having the function of a suitable cashless payment instrument, such as: a vending machine for an unmanned store.
Referring to fig. 7 again, the payment coupon database 1 of the payment coupon information management system of the third preferred embodiment of the present invention further includes a payment coupon notification mechanism 12, and the user operates the payment coupon notification mechanism 12 via the internet or other network connection, and the user [ for example: people) can choose to use at least one or several communication devices 30 or devices with similar functionality [ for example: mobile communication device or computer device) or select to use the member terminal device 3 so as to actively provide at least one payment offer notification data, so as to further automatically incorporate the payment offer notification data into the payment offer database 1.
FIG. 8 is a block diagram illustrating a payment offer information management system according to a fourth preferred embodiment of the present invention. Referring to fig. 8, in contrast to the first, second and third embodiments, the payment offer information management system of the fourth preferred embodiment of the present invention comprises a consumption location module 11, and the consumption location module 11 is connected to an electronic map system or GPS system [ or other map system and positioning system ] 110, so as to use the electronic map system or GPS system 110 to calculate the vehicle-to-distance, vehicle-to-ride time, consumer-to-consumer consumption location distance relative to the member terminal device 3 [ or communication device 30, as shown in fig. 7 ] in an automatic or semi-automatic manner, so as to incorporate into the initial payment offer ranking data.
The foregoing description of the preferred embodiments is merely exemplary of the invention and its technical features, and the techniques of the embodiments may be suitably modified and/or substituted in various substantially equivalent manners.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A payment offer information management system, comprising:
at least one provider web page or provider end device providing at least one payment preference data;
a payment discount database, which provides at least one payment discount data, connects the payment discount database to the operator webpage or the operator end device, and provides the payment discount data to the payment discount database by the operator webpage or the operator end device;
a payment discount management mechanism configured in the payment discount database and processing the payment discount data by using the payment discount management mechanism to generate at least one payment instrument data and at least one initial payment discount sequencing data; and
at least one member end device which is connected with and operates the payment discount management mechanism of the payment discount database;
when the member terminal device is connected with and operates the payment discount management mechanism of the payment discount database, at least one appointed payment tool is selected to obtain appointed payment discount sequencing data.
2. The payment discount information management system of claim 1, wherein said payment discount data includes a discount data using a specific payment means, a cash back data, a bonus point data, a consumption discount data, a consumption exchange data or any combination thereof.
3. The payment discount information management system of claim 1, wherein said payment discount management mechanism further utilizes the payment discount data of said provider web page or provider device to correspondingly obtain a discount time limit data.
4. The payment offer information management system of claim 1, wherein the payment offer management mechanism further performs a payment offer accumulation calculation using a designated payment tool of the member terminal device to generate a payment offer accumulation data.
5. The payment offer information management system of claim 1, wherein the designated payment means comprises a third party payment, an electronic check payment, a mobile payment, a credit card payment, a stored value card payment, a contactless electronic ticketing system smart card payment, or a digital currency payment.
6. A payment discount information management method is characterized by comprising the following steps:
connecting a payment discount database with at least one business webpage or at least one business end device, wherein the payment discount database is provided with a payment discount management mechanism;
providing at least one payment preference data from the provider web page or the provider terminal device to the payment preference database;
processing the payment discount data by using the payment discount management mechanism to generate at least one payment instrument data and at least one initial payment discount sequencing data; and
at least one member terminal device is connected with and operates the payment discount management mechanism of the payment discount database, and at least one appointed payment tool is selected to obtain appointed payment discount sequencing data.
7. The payment discount information management method of claim 6, wherein the payment discount data includes a discount data using a specific payment instrument, a cash-back data, a bonus point data, a consumption discount data, a consumption exchange data or any combination thereof.
8. The payment discount information management method of claim 6, wherein said payment discount management mechanism further uses the payment discount data of said provider web page or provider device to correspondingly obtain a discount time limit data.
9. The payment offer information management method of claim 6, wherein the payment offer management mechanism further performs a payment offer accumulation calculation using a designated payment tool of the member terminal device to generate a payment offer accumulation data.
10. The method of claim 6, wherein the designated payment means includes a third party payment, an electronic check payment, a mobile payment, a credit card payment, a stored value card payment, a contactless electronic ticketing system smart card payment, or a digital currency payment.
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| CN201910079623.5A CN111489153A (en) | 2019-01-28 | 2019-01-28 | Payment discount information management system and method thereof |
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