CN112686665A - Point management system and implementation method thereof - Google Patents
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Abstract
A point management system and its implementation method, it is mainly made up of a point management system and at least a mobile information device, the said point management system can manage the digital point account of at least a user, can transfer the point each other among different digital point accounts, and can encode the digital point of the appointed quantity into a digital point bar code, and record the digital point bar code on a intelligent point card, the said intelligent point card can be set up as the use mode of the bearer or bearer, when the bearer uses the name, the user can buy the goods or trade directly instead of the intelligent point card, when the bearer uses the name, can give other users after storing the digital point, and limit the use of the point, in order to limit the use of the recipient using the point, avoid the digital point from being used improperly.
Description
Technical Field
The present invention relates to a point management system, and more particularly, to a point management system and an implementation method thereof, which can allow system users to give points to each other and limit the use of the given points.
Background
With the progress of electronic commerce technology, digital points can be used for payment or discount money in transactions, the digital points are mainly managed in a point management server, a system user can manage the stored value and transaction activities of the digital points through the point management server, refer to taiwan patent No. TW201508669 for "a bonus point obtaining mechanism method and system, a bonus point presenting, transferring and exchanging mechanism method and transaction system", which discloses a bonus point obtaining mechanism method and system, a bonus point presenting, transferring and exchanging mechanism method and transaction system, the user mainly obtains the bonus points presented by using QR Code identification codes, members can obtain bonus points of different levels through consumption or non-consumption behaviors and can be commonly used in a sales floor of a cooperation service provider, and the bonus points can be conditionally presented among members of different levels, the bonus points can be deducted from the consumption amount or exchanged in the welfare shopping mall, wherein when the member provides the demand of transferring and presenting the bonus points, the member A firstly logs in the welfare shopping mall service platform and selects a specified object to provide the demand of transferring and presenting the points through the point service module, and then the welfare shopping mall service platform can process the request of transferring and presenting the points, so that the member A can obtain the bonus points from the specified object.
However, in view of the above patent and the existing devices, the digital point server gives the digital points to the other party, and then the right of using the given digital points is grasped on the body of the recipient, and the recipient can freely use the digital points, however, under some special conditions, the recipient may request the use of the digital points by the recipient, for example, the digital points given by the merchant activity, the event sponsor may want the consumer to buy or exchange the points for the specified goods, and further increase the sales volume of the goods, if the use of the points by the consumer cannot be limited, the purpose of increasing the sales volume of the specific products by giving the points cannot be achieved; for example, a school organization transmits a point number to a student and desires the student to purchase a book and read the book with the point number, but if the use of the point number is not limited, the student may spend the point number on an improper commodity (for example, articles such as cigarettes and wine), and accordingly, if the use of the given point number is limited, a specific purpose can be achieved, which is a problem to be solved.
Disclosure of Invention
The main purpose of the present invention is to provide a point management system and its implementation method, which can give points to each other and further limit the given points for transaction, so as to solve the technical problem that the use purpose of the given points cannot be limited in the prior art, and achieve the specific purpose.
The technical scheme for solving the problems is realized as follows:
a points management system, characterized in that it comprises:
a point management server, which has an operation processing module, a storage module, a point management module and a transaction verification module to complete information connection with the operation processing module;
the operation processing module is used for operating the point management system;
the storage module has a user database and a condition database, the user database stores at least one digital points account, each digital points account has at least one electronic wallet, each electronic wallet stores at least one digital points, the condition database stores at least one transaction limit information;
the point management module generates a transaction limit code based on the transaction limit information, codes the transaction limit code in the electronic wallet, and can transfer part or all of the digital points in each electronic wallet;
the transaction verification module can compare the transaction limit code of the electronic wallet with a transaction information, and the point management module can transfer the digital points according to the comparison result; and
a mobile information device, which completes information connection with the point management server, and can provide a transaction request to the point management server, wherein the transaction request includes the transaction information.
Wherein, the point management server includes a bar code generation module, the bar code generation module completes the information connection with the operation processing module, the bar code generation module encodes a point value stored information into a digital point bar code.
Wherein, the digital point bar code is recorded on a smart point card.
Wherein the digital point number bar code is a one-dimensional bar code, a two-dimensional bar code, a graphic bar code or a time digital information totem.
Wherein, the mobile information device transmits a point transfer information to the point management server, the point transfer information has the transaction limit information, so that the point management module adds an electronic wallet with a transaction limit code to the designated digital point account based on the point transfer information and transfers the digital point.
Wherein, the mobile information device transmits a point transfer information to the point management server, so that the point management module transfers the digital points in the electronic wallet of the designated digital points account based on the point transfer information.
Wherein, a merchant device information is connected to the point management server, and the merchant device transmits the transaction information to the point management server.
The point management server is connected to a block chain network, and the storage module is connected to the block chain network to store the point accounts in the block chain network.
An implementation method of a points management system, comprising:
a step of establishing point transfer information: a mobile information device establishes and edits point transfer information, wherein the point transfer information comprises an account identification code for remitting and remitting points and a point transfer number;
a step of setting transaction limit information: when the point transfer information is established, the mobile information device sets an account identification code of an remitted point, a point transfer quantity and transaction limit information in the point transfer information, and after the point transfer information is set, the mobile information device transmits the point transfer information to a point management server;
a step of processing point transfer information: the points management module searches at least two associated digital points accounts in a user database based on the remittance account identification code and the remittance account identification code of the points transfer information, and transfers at least one digital point from each associated digital points account;
a step of setting a transaction limit code for the electronic wallet: when the digital points are imported, the point management module adds an electronic wallet with a transaction limit code in the imported digital points account when detecting that the point transfer information has transaction limit information, generates a transaction limit code based on the transaction limit information, and then imports the digital points into the electronic wallet with the transaction limit code; and
a step of monitoring points transaction: when the point management module finishes the transfer of the digital points, a transaction verification module monitors the transaction of each digital point account.
Wherein the step of monitoring points trading further comprises the steps of:
a step of receiving a point transaction request: the mobile information device transmits a transaction request to the point management server, wherein the transaction request comprises transaction information;
a step of detecting whether the electronic wallet has a transaction limit code: the transaction verification module searches the corresponding digital point account and the appointed electronic wallet based on the transaction request, and detects whether the appointed electronic wallet has the transaction limit code, when the electronic wallet does not have the transaction limit code, the point management module transfers the digital point from the appointed electronic wallet, and when the electronic wallet has the transaction limit code, the next step is carried out;
an audit point transaction request step: the transaction verification module compares whether the transaction information accords with the transaction limit code, if the comparison result is a coincidence, the next step is carried out, and if the comparison result is a non-coincidence, the transaction verification module rejects the transaction information;
a deduction step from the digital points account: the point management module transfers the digital points to the appointed electronic purse based on the transaction request.
The invention has the beneficial effects that:
the invention relates to a point management system, which mainly comprises a point management system and at least one mobile information device, wherein the point management system can manage at least one digital point account of a user and at least one electronic wallet under the digital point account, points can be transferred among different electronic wallets, furthermore, when the system user gives the digital points to other system users, the system user can preferentially set a transaction limiting information, so that the point management system can establish a new electronic wallet in the digital point account of the given user when detecting the transaction limiting information in the process of transferring points, and the electronic wallet is coded with a transaction limiting code based on the transaction limiting information, so that the point management system can monitor the transaction condition by the transaction limiting code of the electronic wallet to further eliminate the transaction of the transaction limiting code, so as to increase the marketing success rate of the digital points and prevent the digital points from being abused.
Drawings
The present invention will be described in further detail with reference to the accompanying drawings and specific embodiments.
FIG. 1: the system architecture diagram of the present invention;
FIG. 2: the composition of the invention is shown schematically;
FIG. 3: the implementation of the invention is schematically shown in (A);
FIG. 4: the invention discloses a flow chart of an implementation method S of a point management system;
FIG. 5: is an implementation schematic diagram (II) of the invention;
FIG. 6: is an implementation schematic diagram (III) of the invention;
FIG. 7: is an implementation schematic diagram (IV) of the invention;
FIG. 8: a transaction monitoring flow chart of the present invention;
FIG. 9: the implementation of the invention is schematically shown in the drawing (V);
FIG. 10: another embodiment (one) of the present invention;
FIG. 11: another embodiment of the present invention (ii).
Description of the reference numerals
10 points management system
101 point management server
1011 arithmetic processing module
1012 storage module
10121 user database
10122 condition database
10123 database of merchant terminal
1013 point management module
1014 transaction verification module
1015 Bar code generating module
1016 network connection module
102 mobile information device
1021 operation interface
1022 points presenting unit
103 merchant terminal device
104 block chain network
C intelligent counting card
C1 digital point number bar code
D1 request for stored value
D2 point transfer information
D3 transaction request
Method for implementing S-point management system
S1 procedure for creating point transfer information
S2 setting transaction limit information
S3 procedure for processing point transfer information
S4 procedure for setting transaction limit code for E-wallet
S5 monitoring points transaction step
S51 Point transaction request step
S52 step of detecting whether the electronic purse has transaction limit code
S53 auditing points transaction request step
S54 deduct points from the points account.
Detailed Description
The technical solution in the embodiments of the present invention is clearly and completely described below with reference to the drawings in the embodiments of the present invention. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, but the present invention may be practiced in other ways than those specifically described and will be readily apparent to those of ordinary skill in the art without departing from the spirit of the present invention, and therefore the present invention is not limited to the specific embodiments disclosed below.
Referring to fig. 1, a system architecture diagram of the present invention is shown, in which the present invention provides a point management system 10, which includes a point management server 101 and at least one mobile information device 102, wherein the point management server 101 and each mobile information device 102 complete information connection; the point management server 101 can manage the account record of all digital points, manage the use of all user digital points, manage the use of all issued digital points, manage the digital point access detail record and operation of the merchant, wherein, the digital points are composed of electromagnetic information by information codes, the point management server 101 can code the digital points with appointed amount into a digital point bar code for the system user to store value, and the digital point bar code is recorded in an intelligent point card which is an entity card, an entity paper bar virtual picture or a virtual card; in this embodiment, the mobile information device 102 is a smart phone, which includes a microprocessor, a camera lens, an input module and a network connection module, the mobile information device 102 scans the digital point bar code of the smart point card to perform the operation of storing the digital points, in addition, the system user can transfer the digital points to other system users through the mobile information device 102, and can further limit the use of the presented digital points to avoid misuse of the digital points, in addition, the mobile information device 102 can be installed with a point processing program, and the operations of storing the digital points, transferring and trading can be performed after executing the point processing program.
Referring to fig. 2, which is a schematic diagram illustrating the composition of the present invention, the point management server 101 includes an operation processing module 1011, a storage module 1012, a point management module 1013, a transaction verification module 1014, a barcode generation module 1015, and a network connection module 1016, which are connected to the operation processing module 1011 for information connection;
the operation Processing module 1011 is used for operating the point management server 101 and driving the above modules, and has functions of logical operation, temporary storage of operation results, and storage of execution instruction positions, and can be a Central Processing Unit (CPU) or a Microcontroller Unit (MCU);
the storage module 1012 is a data storage device, such as a Solid State memory (e.g., semiconductor memory), a Hard Disk Drive (HDD) or a Solid State Drive (SSD), which can store electronic data; the storage module 1012 includes a user database 10121, a condition database 10122 and a merchant database 10123; the user database 10121 stores at least one digital points account, an account record information and a user identity information, wherein each digital points account has a set of account identification code for the points management server 101 to identify and search, each digital points account includes at least one electronic wallet, the electronic wallet can store the electromagnetic record of the digital points and can be used for importing and exporting the digital points and recording the storage quantity of the digital points, furthermore, each electronic wallet has a set of wallet identification code for the points management server 101 to identify and search the appointed electronic wallet, the points management server 101 can also set a set of transaction limit code for the appointed electronic wallet, so that the points management server 101 can control the transaction of the specific electronic wallet under the digital points account by reading the transaction limit code, i.e. limiting the transfer of the number of digits; the condition database 10122 stores at least one transaction limiting information, wherein the transaction limiting information can be inputted and established through the point management server 101, and the transaction limiting information can limit the transaction of each point information, after the system user selects the designated transaction limiting information, the point management server 101 can set the transaction limiting code of the electronic wallet based on the selected transaction limiting information to limit the digital point transfer situation of the electronic wallet, wherein the transaction limiting information can set the use purpose of the digital point, such as the commodity type and the merchant which can not be purchased by the digital point, or designate the purchase commodity type and the merchant, such as the system user has a limited electronic wallet, and the electronic wallet stores 3000 digital points, wherein the electronic wallet is set with a set of transaction limiting code, and the condition is that alcohol drinks can not be purchased, when the system user pays by the electronic wallet, the point management server 101 receives the transaction, and can determine that the transaction does not meet the condition by using the transaction limit code of the electronic wallet, and cancel the transaction, so as to achieve the state of controlling digital point transfer (transaction), which is only described above, but not limited to this, and is especially stated above; the merchant database 10123 stores at least one merchant identification information, and the merchant identification information can correspond to the transaction restriction information, so that the transaction restriction information can be increased or decreased according to the merchant identification information, wherein the merchant identification information at least comprises one or a combination of merchant position information, merchant type information and commodity information;
the point management module 1013 can set a set of transaction limit codes for each electronic wallet based on the transaction limit information of the condition database 10122, in addition, the point management module 1013 can manage each number of the digital points accounts and each electronic wallet under each account, transfer the digital points from different electronic wallets, in addition, the point management module 1013 can also receive a value storage request transmitted by each system user through the mobile information device 102, and remit the digital points with the designated number into the designated electronic wallet;
the transaction verification module 1014 can read the transaction limit code of the electronic wallet and compare the transaction limit code with transaction information, when the transaction information conforms to the transaction limit code, the transaction verification module 1014 judges that the transaction information is verified successfully and executes the transaction, otherwise, if the transaction verification module 1014 judges that the verification fails, the transaction is cancelled, wherein the transaction information comprises payment information, merchant identification information and commodity information;
the barcode generating module 1015 can encode a point value storing information into a digital point barcode, and the point management module 1013 can perform a value storing operation of a digital point based on the point value storing information, and the digital point barcode can be one of a one-dimensional barcode, a two-dimensional barcode, a graphic barcode, or a time digital information totem, wherein the time digital totem encodes information such as time, text, numbers, or addresses into a digital image or totem;
the network connection module 1016 is used to connect to the Internet, so that the point management server 101 and the mobile information device 102 can complete information connection.
Referring to fig. 3, it is shown an implementation schematic diagram (a) of the present invention, please refer to fig. 2, as shown in the figure, when a user wants to store value, the user can scan a digital point barcode C1 of an intelligent point card C by using the mobile information device 102, when the mobile information device 102 reads the digital point barcode C1 and further decodes a point value storing information, the mobile information device 102 can generate a value storing request D1 based on the point value storing information and transmit the value storing request D1 to the point management server 101, wherein the value storing request D1 includes the point value storing information and the account identification code, and when the point management server 101 receives the value storing request D1, the point management module 1013 reads the point value storing information and the account identification code in the value storing request D1 and searches the corresponding digital point account in the user database 21 by using the account identification code, then, based on the digital points with the number specified in the point value storage information, the electronic wallet will remit into the digital points account, wherein, when the point management module 1013 stores value of digital points, it will further detect whether all electronic purses in the digital point account include transaction limiting codes, the point management module 1013 will import the stored value of digital points into electronic purses without transaction limiting codes to prevent the stored value of digital points from being controlled by system users, in addition, in another embodiment, the point stored value information decoded by the digital point barcode C1 may further include transaction limitation information, and after the point stored value information is obtained by the point management module 1013, the read transaction limit information is used for remitting the digital points into the electronic wallet with the transaction condition corresponding to the transaction limit information, and the embodiment can be applied to the implementation of a specified purpose point account (such as company application); in addition, the smart point card C can be configured for anonymous use and anonymous use, for example, when the user uses anonymous use, the user can directly trade the smart point card C for goods or transactions with the merchant, so that the merchant can store (exchange) part or all of the digital points after scanning the digital point barcode C1 of the smart point card C, for example, when the user uses anonymous use, the user can store the value of the smart point card C and then give the stored value to other users, and the use of the given digital points is limited.
Referring to fig. 4, a flow chart of a method S for implementing the point management system of the present invention is shown, and with reference to fig. 2, fig. 5 and fig. 6, the following steps are included:
a step S1 of creating point transfer information: after the system user starts the mobile information device 102, the mobile information device 102 may display an operation interface 1021, and the system user may select to execute a point presentation unit 1022 in the operation interface 1021, so that the system user may edit the point presentation unit 1022 through the mobile information device 102 to create and edit a point transfer information D2, wherein the point transfer information D2 includes an account identifier for point remitting and remitting, and a point transfer amount, and wherein, according to the setting of the system user, the point transfer information D2 may further include a transaction limit information;
step S2 of setting transaction limit information: referring to fig. 5-6, the diagrams show the schematic diagrams (two) - (three) of the present invention, as shown in the figures, when the point transfer information D2 is established, the mobile information device 102 can further set the account id of the remitted point, the number of point transfers and the transaction limit information in the point transfer information D2, wherein after the mobile information device 102 and the point management server 101 complete the information connection, each transaction limit information of the condition database 10122 can be further remitted in the point presentation unit 1022 for the system user to set the transaction limit information of the given point, and in addition, after the point transfer information D2 is set, the mobile information device 102 can transmit the point transfer information D2 to the point management server 101, wherein, as shown in the figures, the transaction limit information set by the system user can set the usage of the number of points, for example, the above is an example, but not limited thereto, of a merchandise item or a store whose digital points are only provided for purchase, or a merchandise item or a store whose purchase is prohibited, when the system user selects only a purchase option, the recipient can only pay the listed merchandise item or store for the given digital points, and when the system user selects a purchase prohibition option, the recipient cannot pay the listed merchandise item or store for the given digital points, but does not include other merchandise items or stores;
processing point transfer information step S3: referring to fig. 7, the point management module 1013 may search a corresponding digital point account in the user database 10121 based on the account identification code (including the remitting party and the remitting party) of the point transfer information D2 after the point management server 101 receives the point transfer information D2, and the point management module 1013 may further transfer the digital points in the two point accounts after searching the corresponding digital point account;
setting transaction restriction code for electronic wallet step S4: continuing to refer to fig. 7, when the point number is imported to the designated digital point account, the point management module 1013 further detects whether the point transfer information D2 has transaction limitation information, if the point transfer information D2 includes the transaction limitation information, the point management module 1013 adds an electronic wallet to the digital point account of the importing party, generates a transaction limitation code based on the transaction limitation information, encodes the transaction limitation code in the newly established electronic wallet, and then imports the digital point to the electronic wallet, if the point transfer information D2 does not include the transaction limitation information, the point management module 1013 imports the digital point to the existing electronic wallet of the digital point account, wherein the importation sequence can be sorted based on each electronic wallet of the digital point account, but not limited by this;
monitoring points transaction step S5: after the point management module 1013 completes the transfer operation of the digital points, the transaction verification module 1014 continues the transaction performed by each digital point account.
Referring to fig. 8, which is a flow chart illustrating transaction monitoring according to the present invention and referring to fig. 4, the method S for implementing the point management system according to the present invention is that after the point management server 101 completes the transfer operation of the digital points, the limited points (i.e. the credit points) are given to the user for use, and in the credit use state, the transaction performed by the user needs to meet the transaction limit condition, and the method S for implementing the point management system further includes the following steps:
receiving a point transaction request step S51: referring to fig. 9, the mobile information device 102 may transmit a transaction request D3 to the points management server 101 when the system user uses points, wherein the transaction request D3 includes transaction information (including payment information, merchant identification information, and merchandise information), account identification code, and wallet identification code;
step S52 of detecting whether the electronic wallet has the transaction restriction code: when the points management server 101 receives the transaction request D3, the transaction verification module 1014 reads the account id of the transaction request D3, searches the corresponding digital points account in the user database 10121, and finds the designated electronic wallet based on the wallet id, and further detects whether the designated electronic wallet has the transaction limit code, if the electronic wallet does not have the transaction limit code, the step of deducting points from the digital points account S54 is performed, if the electronic wallet has the transaction limit code, the step of "checking the points transaction request" S53 is performed;
auditing point transaction request S53 step: when the transaction verification module 1014 detects that the electronic wallet has a transaction limit code, the transaction verification module 1014 can compare whether the transaction information matches the transaction limit code, if yes, deduct points from the digital points account S54, if not, the transaction verification module 1014 rejects the transaction information;
deduction of points from a points account step S54: the credit management module 1013 transfers the digital credits in the electronic wallet to the electronic wallet of the merchant based on the payment information of the transaction request D3.
Referring to fig. 10, it is shown that in another embodiment (a) of the present invention, a merchant-side device 103 is connected to the Point management server 101, the merchant-side device 103 can transmit transaction information to the Point management server 101, which can be a Point of sale (Sales) terminal, when the merchant-side device 103 completes a check-out operation, a consumer can input an account identification code and a wallet identification code into the merchant-side device 103, so that the merchant-side device 103 can transmit the transaction information, the account identification code and the wallet identification code back to the Point management server 101, and accordingly, even if the user information device 102 is not carried by the user, the transaction can be completed through the merchant-side device 103 in an off-line environment.
Referring to fig. 11, there is shown another embodiment (two) of the present invention, in which the information of the point management server 101 is connected to a blockchain network 104, the storage module 1012 can be connected to the blockchain network 104 and stores the digital point account in the blockchain network 104, so that the digital point account established by the point management server 101 is not easily tampered, and in addition, each transaction record can also be stored in the blockchain network 104 for the point management server 101 to query, wherein the blockchain network 104 is based on a blockchain technology, and a storage network formed by a plurality of servers has a characteristic of not being easily tampered, thereby improving the point transaction security of the point management server 101.
To sum up, the point management system of the invention is mainly composed of a point management system and at least one mobile information device, wherein, a system user can transmit a point transfer information to the point management system through the mobile information device, so that the point management system transfers the digital points from an electronic wallet of a donor and transfers the digital points to a digital point account of a designated system user, wherein, the point management system can add another electronic wallet to the digital point account of the donor based on a transaction limiting information of the point transfer information, and sets a transaction limiting code for the electronic wallet, so that the point management system can monitor the transaction condition of the electronic wallet and limit the application of the digital points in the electronic wallet; accordingly, the present invention can provide a point management system and a method for implementing the same, which can give points to each other and can further limit the transaction of the given points.
The foregoing description is only of the preferred embodiments of the present invention, and it should be understood that the described embodiments are only a few, and not all, of the embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Claims (10)
1. A points management system, characterized in that it comprises:
a point management server, which has an operation processing module for operating the point management system, a storage module, a point management module and a transaction verification module to complete information connection with the operation processing module;
the storage module has a user database and a condition database, the user database stores at least one digital points account, each digital points account has at least one electronic wallet, each electronic wallet stores at least one digital points, the condition database stores at least one transaction limit information;
the point management module generates a transaction limit code based on the transaction limit information, codes the transaction limit code in the electronic wallet, and can transfer part or all of the digital points in each electronic wallet;
the transaction verification module can compare the transaction limit code of the electronic wallet with a transaction information, and the point management module can transfer the digital points according to the comparison result; and
a mobile information device, which completes information connection with the point management server, and can provide a transaction request to the point management server, wherein the transaction request includes the transaction information.
2. The points management system of claim 1, wherein the points management server comprises a barcode generating module, the barcode generating module is connected to the processing module, the barcode generating module encodes a point value stored information into a digital points barcode.
3. The points management system of claim 2, wherein the digital points barcode is recorded on a smart points card.
4. The point management system according to claim 2, wherein the digital point barcode is a one-dimensional barcode, a two-dimensional barcode, a graphic barcode or a time digital information totem.
5. The points management system of claim 1, wherein the mobile information device transmits a point transfer information to the points management server, the point transfer information having the transaction limit information, so that the points management module adds an electronic wallet having a transaction limit code to the designated digital points account based on the point transfer information and transfers the digital points.
6. The points management system as claimed in claim 1, wherein the mobile information device transmits points transfer information to the points management server, so that the points management module transfers the digital points in the electronic wallet of the designated digital points account based on the points transfer information.
7. The points management system of claim 1, wherein a merchant device is connected to the points management server, and the merchant device transmits the transaction information to the points management server.
8. The points management system of claim 1, wherein the points management server is communicatively connected to a blockchain network, and the storage module is connected to the blockchain network for storing the points accounts in the blockchain network.
9. An implementation method of a point management system is characterized by comprising the following steps:
a step of establishing point transfer information: a mobile information device establishes and edits point transfer information, wherein the point transfer information comprises an account identification code for remitting and remitting points and a point transfer number;
a step of setting transaction limit information: when the point transfer information is established, the mobile information device sets an account identification code of an remitted point, a point transfer quantity and transaction limit information in the point transfer information, and after the point transfer information is set, the mobile information device transmits the point transfer information to a point management server;
a step of processing point transfer information: the points management module searches at least two associated digital points accounts in a user database based on the remittance account identification code and the remittance account identification code of the points transfer information, and transfers at least one digital point from each associated digital points account;
a step of setting a transaction limit code for the electronic wallet: when the digital points are imported, the point management module adds an electronic wallet with a transaction limit code in the imported digital points account when detecting that the point transfer information has transaction limit information, generates a transaction limit code based on the transaction limit information, and then imports the digital points into the electronic wallet with the transaction limit code; and
a step of monitoring points transaction: when the point management module finishes the transfer of the digital points, a transaction verification module monitors the transaction of each digital point account.
10. The method of claim 9, wherein the step of monitoring points transaction further comprises the steps of:
a step of receiving a point transaction request: the mobile information device transmits a transaction request to the point management server, wherein the transaction request comprises transaction information;
a step of detecting whether the electronic wallet has a transaction limit code: the transaction verification module searches the corresponding digital point account and the appointed electronic wallet based on the transaction request, and detects whether the appointed electronic wallet has the transaction limit code, when the electronic wallet does not have the transaction limit code, the point management module transfers the digital point from the appointed electronic wallet, and when the electronic wallet has the transaction limit code, the next step is carried out;
an audit point transaction request step: the transaction verification module compares whether the transaction information accords with the transaction limit code, if the comparison result is a coincidence, the next step is carried out, and if the comparison result is a non-coincidence, the transaction verification module rejects the transaction information;
a deduction step from the digital points account: the point management module transfers the digital points to the appointed electronic purse based on the transaction request.
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