201145195 六'發明說明： 【發明所屬之技術領域】 本發明係有關於一種積分管理技術，更詳而言之，护 關於-種用以對消費者在隸屬於不同積分子系統下之商= 終端進行商業交易時所產生之積分執行統一管理二豕 分管理系統。 系之積 【先前技術】 現在’許多商家為了提高競爭能力並鼓勵回頭消 的消_分活動’具體方式是對消 費者白Μ費活動進行積分記錄，當積分達到某一條 二 =預定的規則對消費者進行獎勵，以刺激 :::等獎勵方法可以是打折、獎品、免費消費、或者現 積分系統—般係獨家運作的，商家將唯一標識 的積分系^消費者標識和相應之消費積分值儲存在各自 之二:、，各個積分系統相互獨立、互不聯擊，積分 二:::局限於單個積分系統，如此，各商家獨立 不利於商家之間相互聯合，採用- 利於消“;=:分其=積分系统過於分散，不 只能在各個獨立積二田^費者想要查詢積分時， 消費者別進行查詢，費時費力；再者， 件，所以，大多數、ml 累積到規定的某一條 換到高積分額度的商品。又得的積分都是零散的，難以兌 111156 3 201145195 在這種情況下，當消費者分別在隸屬於不同積分系統 的多家商家消費，則消費者從各該商家獲得之積分將被分 別給予，使消費者不能有效地使用這些積分。 有鑒於此，本發明提供一種可解決習知技術種種缺失 之積分管理系統，以統一管理積分’並提供廣泛之積分兒 換管道，實為目前亟欲解決之技術問題。 【發明内容】 鑒於上述習知技術之缺點，本發明之主要提供一種積 分管理系統，以實現積分之統一管理。另外，本發明所提 供之積分管理系統可提供廣泛積分兒換管道。再者， 明所提供之積分管理系統能提升各: 者對各該商家之忠誠度。 之鋼售！以及4費 u 提供—種積分管m係^對消費 進行商業说 規則，該積分管理系統係包括刀：複*；；^有獨立之積分換算 以及並行連接各該商家㈣㈣=轉端、—伺服端、 Φ ^ 、濱伺服端之傳輸模組，其 肋具有積分 則，於消費者執行商業交易時刀"'、統之積分贈予規 輸模組將該積分記錄輪出至該飼服:分=以透過該傳 _可權之商家终端，;兒 家終端所在之積分子系統之積 、刀兄換井了權之商 兒換請求時產生兒換 億於消費者提出 边過5亥傳輸模組將該兒換記 111156 4 201145195 錄輸出至該伺服端，且其中，該伺服端包括：換算模組， 係搭配一預設之積分整合規則，用以將所接收之不同積分 子系統之積分記錄進行換算，以生成一整合積分值；儲存 模組，係用以儲存該積分記錄、該兒換記錄以及該整合積 分值；以及處理模組，係搭配一預設之兒換規則，用以將 所接收之不同積分子系統之兒換記錄，與對應該消費者之 整合積分值進行計算處理，以更新該整合積分值，俾透過 該傳輸模組將兌換結果訊息傳予該商家終端，以完成兒換 •作業。 於本發明之積分管理系統中，該兒換請求係為該商家 終端依據所在之積分子系統之積分兒換標準以及消費者確 定兌換之物件，而產生之待兒換之物件對應所需扣除之積 分值的請求。而該處理模組依據該儲存模組中所儲存之對 應該消費者之整合積分值，判斷所需扣除之積分值是否超 出對應該消費者之整合積分值，若是，則自該整合積分值 I中相應扣除所需扣除之積分值，并將扣除後之整合積分值 儲存至該儲存模組，且透過該傳輸模組將積分兒換成功之 提示訊息與更新之整合積分值傳予該商家終端，若否，則 透過該傳輸模組提供不予兒換之提示訊息予該商家終端。 而該商家終端可包含實體商家與虛擬商家（如購物網站、網 路商店或網路商城）。 於一較佳態樣中，本發明之積分管理系統復包括清算 模組，係用以依據該儲存模組中之積分記錄、兒換記錄以 及整合積分值，利用特定之商業規則計算出對具有積分贈 5 111156 201145195 予許可權之商家終端與具有積分兒換許可權之商家終端請 求給付或應付之款項。 相較於習知技術，本發明之積分管理系統有利於協調 與管理各該積分子系統，從而能對消費者在不同積分子系 統中的積分進行統一管理，亦可提供消費者在多個商家終 端完成積分兒換作業，以提供廣泛之兒換管道，如此，可 更增加消費者在各該商家的消費行為。另外，由於消費者 在不同積分子系統中的積分可統一管理，故隸屬於不同積 分子系統之商家可相互聯合，採用一系列打折優惠以提高 競爭力，進而提升各該商家之銷售量以及消費者對各該商 家之忠誠度。 【實施方式】 以下係藉由特定的具體實例說明本發明之實施方 式，熟悉此技藝之人士可由本說明書所揭示之内容輕易地 瞭解本發明之其他優點與功效。 請參閱第1圖，係顯示本發明之積分管理系統之基本 架構示意圖。如圖所示，本發明之積分管理系統1係用以 對消費者在隸屬於不同積分子系統下之商家終端於商業交 易時執行積分管理作業，且不同之積分子系統具有獨立之 積分規則，該積分規則係包含積分贈予標準（即特定消費 金額可換算之積分值）以及積分兒換標準（即兒換例如獎 品、現金回饋等特定物件所需之積分值）等，而本發明之 積分管理系統1包括複數商家終端10、一伺服端12、以及 連接各該商家終端10與該伺服端12之傳輸模組14。該傳 6 111156 201145195 輸模組14可例如為網際網路（Internet)或虛擬專用網路 (Virtual Private Network; VPN) ° 於本實施例中各該商家終端10可隸屬於相同之積分 子系統或不同之積分子系統，且各該商家終端10均具有積 分贈予許可權，用以依據各該商家終端所在之積分子系統 之積分贈予標準，提供於該商家終端10執行商業交易之消 費者相應積分，而產生積分記錄，並透過該傳輸模組14 輸出至該伺服端12，且該積分記錄包含消費者標識、消費 •積分值、以及對應該積分子系統之系統標識。而具有積分 兒換許可權之商家終端10依據該商家終端所在之積分子 系統之積分兒換標準以及消費者所確定兒換之物件提出兒 換請求以形成兒換紀錄，並透過該傳輸模組14將兒換紀錄 輸出至該伺服端12。較佳地，各該商家終端10係可例如 為餐廳、理髮店、百貨公司等實體商家終端，但不局限於 此，亦可為虛擬商家終端，例如各種購物網站、網路商店 I或大型網路商城。而各該商家終端10的表現形態可例如為 個人電腦、筆記本電腦、或銷售點終端機(Point of Sale; POS) 等。此外，於本實施例中，該消費者標識係為該商家終端 10給予消費者用以辨認其身份之標識，該消費者標識係以 識別卡或帳號等方式呈現，而該系統標識係用以辨認各該 積分子系統。於本實施例中，該積分兒換請求係為該商家 終端依據該商家終端所在之積分子系統之積分兒換標準以 及消費者確定兒換之物件，而產生之待兒換之物件對應所 需扣除之積分值的請求，其中，該待兒換之物件可例如為 7 111156 201145195 獎品、現金回饋、或者折扣 ^ 彳一+以此為限，待兒換之物 件的種類可依據各商家之促銷需求㈣ 子兄 β玄伺服端12係由換复描 、异模，，且120、儲存模組122以及處 理核組124構成。換曾桓 兴开辑組120格配一預設之積分整合規 則’以將所接收之不同積分子系統之積分記錄進行換算， 以生成、t 口積刀值。儲存模組用以儲存該積分記 錄》玄兒換。己錄以及該整合積分值。處理模組以搭配一 預货又之兒換規則’以將所接收之不同積分子系統之兒換記 錄與對應》亥/肖費者之整合積分值進行計算處理，以更新 77值，並透過該傳輸模組14將兒換結果訊息傳予 °玄商豕、^ 1G ’以完成兒換作業。其中，該祠服端12可 例如為工作站。 於較佳實施例中，該词服端12尚包含接收模組及 提取模、、且具體而言’該接收模組用以透過該傳輸模組Μ 接收°亥商家終端10輸出之積分記錄，並產生第-觸發訊 说且透過違傳輪模、組14接收該商家終端10輸出之兒換 記錄，並產生第二觸發訊號。 °亥儲存模組122於接收到該換算模組120輸出之第一 觸心。fL唬後’更新儲存對應該商家終端所在之積分子系 、 、 錄且5亥儲存模組122預存有對應該消費者標 識方…他積分子系統中之消費積分記錄。此外，如第2圖 所U、°亥儲存模組122復儲存有複數消費者標識、複數系 '^示5线、與各該消費者標識及各該系統標識對應之消費積 分值、以及上述三者之間的對應關係。 8 111156 201145195 提取模組用以於接收到該接 訊號後，依據該儲存模組Π2所儲/、、且雨出之第一觸發 取對應該積分記錄之消費者標識，:之積分記錄’從中提 模組122中提取對應該消費者摔^進一步據以自該儲存 消費積分值。 、“在所有積分子系統令之 ”==:組120係將消費者標識、系統標識、 =5亥=酿_我對應之消費積分值及整合積分 •咖以便於賴查詢各該積分子= =之，分值。此外，於本實施例中: 2例’即各積分子系統均具有1應之整合絲* t標識之整合積分值為該消費者標識在各積分子系=令 ^費積分值與對應之整合係數之乘積之和，但不以此為 號後^收到該接收模組輸出之第二觸發訊 對庫G所在之積分子系統之兒換規則，盘 積ϋ並透合積分值進行計算處理，以更新該整合 終端1。:==組14將兒換結果訊息傳予該商家 業。具〜Γ費者於該商家終端10完成積分兒換作 所儲存:整:二:理模組12“系依據該儲存模組^中 所而扣除之積分值的請求，判斷 快〈物201145195 Sixth invention description: [Technical field to which the invention pertains] The present invention relates to a point management technique, and more specifically, to a quotient for a consumer under a different integration subsystem = terminal The points generated during the commercial transaction are executed to manage the two-point management system. The product of the system [previous technology] Now the 'many business in order to improve the competitiveness and encourage the elimination of the _ sub-activity' specific way is to record the points of the consumer's white fee activity, when the points reach a certain two = the predetermined rule pair Consumers are rewarded to stimulate::: and other reward methods can be discounts, prizes, free consumption, or the current point system - the exclusive operation of the system, the merchant will uniquely identify the points of the consumer ID and the corresponding consumer points value Stored in the second of each:, each point system is independent of each other, not linked to each other, the integral two::: is limited to a single point system, so, each merchant is independent of the mutual union between the merchants, adopting - benefiting to eliminate "; : Individually = the point system is too scattered, not only in the individual accumulation of the second field, the fee-seekers want to query the points, the consumer does not query, time-consuming and laborious; again, the pieces, so most, ml accumulate to the prescribed A certain item is exchanged for a high-integrated amount of goods. The points obtained are scattered, it is difficult to exchange 111156 3 201145195 In this case, when the consumer is subordinate to In the case of consumption by a plurality of merchants of different credit systems, the points earned by the consumers from each merchant will be separately given, so that the consumers cannot effectively use the points. In view of this, the present invention provides a solution to the drawbacks of the prior art. The point management system, in order to uniformly manage the points' and provide a wide range of points for changing the pipeline, is a technical problem that is currently being solved. [Invention] In view of the above disadvantages of the prior art, the present invention mainly provides an integral management system. In addition, the point management system provided by the present invention can provide a wide range of points for changing the pipeline. Furthermore, the point management system provided by the company can enhance the loyalty of each of the merchants. Steel sales! and 4 fees u provide - a kind of integral tube m system ^ business rules for consumption, the point management system includes a knife: complex *;; ^ independent point conversion and parallel connection of the business (four) (four) = turn , the servo terminal, Φ ^, and the transmission module of the shore server, the ribs have integral points, and the knife is executed when the consumer performs a commercial transaction. t; ', the points of the unified gift to the module to rotate the points record to the feeding service: points = through the transmission of the _ authorized business terminal;; the integration of the child's terminal subsystem, knife When the brother changed the right, the merchant changed the request, and the child changed the billion. The consumer introduced the 5 Hai transmission module, and the child changed the 111156 4 201145195 record to the server, and the server includes: The module is coupled with a preset integral integration rule for converting the integral records of the different integration subsystems received to generate an integrated integral value; the storage module is configured to store the integral record, The record change and the integrated integral value; and the processing module is matched with a preset child change rule for converting the received different integration subsystem children and calculating the integrated integral value corresponding to the consumer To update the integrated point value, and transmit the redemption result message to the merchant terminal through the transmission module to complete the child change operation. In the point management system of the present invention, the child change request is determined by the merchant terminal according to the integral child exchange standard of the credit system and the item determined by the consumer, and the object to be replaced is correspondingly required to be deducted. Request for the integral value. And the processing module determines, according to the integrated integral value of the corresponding consumer stored in the storage module, whether the integral value of the required deduction exceeds the integrated integral value of the corresponding consumer, and if so, the integrated integral value I And correspondingly deducting the credit value of the deduction, and storing the deducted integrated credit value into the storage module, and transmitting the prompt information of the successful conversion of the integral and the updated integrated integral value to the merchant terminal through the transmission module If not, a message of no change is provided to the merchant terminal through the transmission module. The merchant terminal can include a physical merchant and a virtual merchant (such as a shopping website, a network store, or an online mall). In a preferred aspect, the point management system of the present invention includes a clearing module for calculating a pair with a specific business rule based on the point record, the child record, and the integrated point value in the storage module. Points Bonus 5 111156 201145195 The merchant terminal with the license and the merchant terminal with the credit card permission to request payment or payable. Compared with the prior art, the point management system of the present invention is advantageous for coordinating and managing each of the credit subsystems, thereby enabling unified management of points of consumers in different credit subsystems, and also providing consumers in multiple merchants. The terminal completes the integral change operation to provide a wide range of children to change the pipeline, thus increasing the consumer's consumption behavior in each merchant. In addition, since consumers' points in different credit subsystems can be managed in a unified manner, merchants belonging to different credit subsystems can be combined with each other to adopt a series of discounts to increase competitiveness, thereby increasing the sales volume and consumption of each merchant. The loyalty of each of the merchants. [Embodiment] The embodiments of the present invention are described below by way of specific examples, and those skilled in the art can readily understand other advantages and effects of the present invention from the disclosure of the present disclosure. Referring to Figure 1, there is shown a schematic diagram of the basic architecture of the credit management system of the present invention. As shown in the figure, the point management system 1 of the present invention is used to perform a point management operation for a merchant at a merchant terminal under different credit subsystems, and different integration subsystems have independent points rules. The credit rule includes the credit grant standard (ie, the credit value that can be converted for a specific consumption amount) and the credit change standard (ie, the integral value required for a specific item such as a prize, cash feedback, etc.), and the points of the present invention. The management system 1 includes a plurality of merchant terminals 10, a server 12, and a transmission module 14 that connects the merchant terminals 10 and the server 12. The transmission module 14 can be, for example, an Internet or a virtual private network (VPN). In this embodiment, each of the merchant terminals 10 can belong to the same integration subsystem or Different credit subsystems, and each of the merchant terminals 10 has a credit granting right for providing a consumer who performs a commercial transaction at the merchant terminal 10 according to the credit granting standard of the credit subsystem in which the merchant terminal is located. The integral score is generated, and the integral record is generated and output to the server 12 through the transmission module 14, and the integral record includes the consumer identification, the consumption and integration value, and the system identification corresponding to the integration subsystem. And the merchant terminal 10 having the credit-for-subscription permission, according to the credit-changing standard of the credit subsystem in which the merchant terminal is located, and the object determined by the consumer to make a child-changing request to form a child-changing record, and through the transmission module 14 The child change record is output to the servo terminal 12. Preferably, each of the merchant terminals 10 can be, for example, a physical merchant terminal such as a restaurant, a barber shop, a department store, etc., but is not limited thereto, and may also be a virtual merchant terminal, such as various shopping websites, online stores, or large networks. Road Mall. The performance form of each of the merchant terminals 10 can be, for example, a personal computer, a notebook computer, or a point of sale (POS). In addition, in this embodiment, the consumer identifier is an identifier for the merchant terminal 10 to identify the identity of the consumer, the consumer identifier is presented by using an identification card or an account, and the system identifier is used. Identify each of the integration subsystems. In this embodiment, the credit exchange request is required by the merchant terminal according to the integral change standard of the credit subsystem where the merchant terminal is located, and the object determined by the consumer to be changed, and the object to be replaced is required The request for deducting the integral value, wherein the item to be changed may be, for example, 7 111156 201145195 prize, cash feedback, or discount ^ 彳 1 +, and the type of the item to be changed may be based on the promotion of each merchant. Requirement (4) The sub-brother β-virtual servo 12 is composed of a re-drawing, a different mode, and 120, a storage module 122, and a processing core group 124. For the Zeng Yi Xing Kai Group 120 grid with a preset integral integration rule 'to convert the integral records of the different integration subsystems received to generate, t-mouth knife value. The storage module is used to store the point record "Xuan Er". Recorded and the integrated score value. The processing module is matched with a pre-order and the child changes the rule to calculate the integrated integral value of the received different integration subsystem and the integrated integral value of the corresponding Hai/Shaw fee to update the value of 77 and The transmission module 14 transmits the child change result message to the "Xuan Shang, ^ 1G" to complete the child change operation. The server terminal 12 can be, for example, a workstation. In a preferred embodiment, the vocabulary 12 further includes a receiving module and an extracting module, and specifically, the receiving module is configured to receive a score record of the output of the merchant terminal 10 through the transmitting module. And generating a first-trigger message and receiving the output of the merchant terminal 10 through the violation mode, the group 14 and generating a second trigger signal. The first storage module 122 receives the first touch of the output of the scaling module 120. After the fL, the update stores the credits of the merchant terminal, and the 5H storage module 122 pre-stores the consumer credit record in the credit subsystem. In addition, as shown in FIG. 2, the U-Hui storage module 122 stores a plurality of consumer identifiers, a plurality of lines, a consumption line value corresponding to each of the consumer identifiers and each of the system identifiers, and the foregoing The correspondence between the three. 8 111156 201145195 The extraction module is configured to receive the consumer identifier corresponding to the credit record according to the first trigger of the storage module Π2 after receiving the communication number, and the credit record of the credit record is selected from The extraction module 122 extracts the corresponding consumer value from the stored consumer. , "In all the integration subsystem orders" ==: Group 120 will be the consumer identification, system identification, = 5 Hai = brewing _ my corresponding consumption points value and integration points • coffee to facilitate the query of each of the points = =, the score. In addition, in the present embodiment: 2 cases 'that is, each integral subsystem has an integrated integral value of 1 integral wire* t mark, and the integrated value of the consumer identifier in each integral sub-system = order fee integral value and corresponding integration The sum of the products of the coefficients, but after the number is received, the second trigger signal outputted by the receiving module is received, and the integral subsystem of the library G is replaced by the rule, and the integral value is calculated and processed. To update the integrated terminal 1. :==Group 14 passes the child change result message to the merchant. The person who has the fee is required to complete the credit in the merchant terminal 10. The whole: two: the module 12 is determined according to the request for the integral value deducted from the storage module ^
Md除之積分值 111156 9 201145195 是否超出對應該消費者標識之整合積分值，若是，則自該 整合積分值中相應扣除所需扣除之積分值，并將扣除後之 整合積分值儲存至該儲存模組122，且透過該傳輸模組14 將積分兒換成功之提示訊息與更新之整合積分值傳予該商 家終端10，若否，則透過該傳輸模組14提供不予兒換之 提示訊息予該商家終端10。 為更清楚暸解應用本發明之積分管理系統如何實現 積分之統一管理，以下即以消費者在任一商家終端10消費 為例並配合第2圖進行說明，當消費者在任一商家終端10 消費時，該商家終端10依據其所屬之積分子系統之積分贈 予標準，提供於該商家終端10執行商業交易之消費者相應 積分，即將消費者所支付之金額按積分贈予標準換算為相 應之積分，並搭配依據該消費者標識以及標識該積分子系 統之系統標識，產生積分記錄，且透過該傳輸模組14將該 積分記錄輸出至該伺服端12之接收模組，以由該接收模組 相應產生第一觸發訊號，而觸發該儲存模組122予以更新 儲存該積分記錄，並觸發該提取模組依據該儲存模組122 所儲存之該消費積分記錄，從中提取該積分記錄中所包含 之消費者標識，並進一步據以自該儲存模組122中提取對 應該消費者標識在所有積分子系統中之消費積分記錄（如 第2圖所示），以供該換算模組120依據一預設之積分整 合規則，對該消費者在不同積分子系統之消費積分值進行 換算，以生成一整合積分值，並儲存至該儲存模組122， 俾供後續查詢使用。 10 111156 201145195 此外，當消費者欲兒換積分時，可在具有積分兒換許 可權之任一商家終端ίο進行，而不局限於單一兒換點，具 體而言，於該商家終端10中輸入消費者標識（識別卡號或 帳號等），並依據該商家終端10所在之積分子系統之兒換 標準.，將對應該消費者標識之兒換紀錄（即依據該積分兒 換標準而產生之消費者確定兒換之物件對應所需扣除之積 分值的請求）透過該傳輸模組14輸出至該伺服端12之接 收模組，以由該接收模組相.應產生第二觸發訊號，而觸發 • 該處理模組124自該儲存模組122提取對應該消費者標識 之整合積分值，並搭配依據該接收模組所接收之待兒換之 物件對應所需扣除之積分值的請求，判斷待兒換物件所需 之積分值是否超出對應該消費者標識之整合積分值，若 是，則自該整合積分值中相應扣除待兒換物件所需之積分 值，并將扣除後之整合積分值輸出儲存至該儲存模組 122，且透過該傳輸模組14將積分兒換成功之提示訊息與 更新之整合積分值傳予該商家終端10，若否，則透過該傳 輸模組14提供不予兒換之提示訊息予該商家終端10，如 此，該處理模組124即可藉由上述方式回應該積分兒換請 求。因具有兒換許可權之商家終端10有複數個，較佳地， 可將所有商家終端均賦予兒換許可權，如此即可提供消費 者更為廣泛之積分兒換管道。 綜上所述，本發明之積分管理系統有利於協調管理各 該積分子系統，從而實現對消費者在不同積分子系統中獲 得的積分的統一管理，亦可提供消費者在多個商家終端完 11 111156 201145195 成積分兒換作業，從而提供廣泛之兒換管道，如此，則會 更好地刺激消費者在各該商家消費，而且由於消費者在不 同積分子系統中的積分可統一管理，故隸屬於不同積分子 系統之商家相互聯合，採用一系列打折優惠以提高競爭 力，進而提升各該商家之銷售量以及消費者對各該商家之 忠誠度。 上述實施例僅例示性說明本發明之原理及其功效，而 非用於限制本發明。任何熟習此項技藝之人士均可在不違 背本發明之精神及範疇下，對上述實施例進行修飾與改 變。因此，本發明之權利保護範圍，應如後述之申請專利 範圍所列。 【圖式簡單說明】 第1圖係顯示本發明之積分管理系統之基本架構方塊 不意圖，以及 第2圖係顯示應用第1圖之儲存模組所儲存之消費者 標識、系統標識與消費積分值之對應關係圖表示意圖。 【主要元件符號說明】 1 積分管理系統 10 商家終端 12 祠服端 120 換算模組 122 儲存模組 124 處理模組 14 傳輸模組 12 111156Md divides the integral value 111156 9 201145195 whether it exceeds the integrated integral value corresponding to the consumer identifier, and if so, deducts the credit value deducted from the integrated integral value, and stores the deducted integrated integral value to the storage The module 122 transmits the integrated information of the success of the integral conversion to the merchant terminal 10 through the transmission module 14, and if not, provides a prompt message for the replacement through the transmission module 14. The merchant terminal 10 is provided. In order to more clearly understand how the point management system to which the present invention is applied achieves unified management of points, the following is an example of consumption by a consumer at any merchant terminal 10, and is illustrated in conjunction with FIG. 2, when a consumer consumes at any merchant terminal 10, The merchant terminal 10 provides the consumer corresponding points for performing the commercial transaction on the merchant terminal 10 according to the point gifting standard of the credit subsystem to which the affiliated terminal belongs, and converts the amount paid by the consumer into the corresponding points according to the point gift standard. And generating a credit record according to the consumer identifier and the system identifier identifying the credit subsystem, and outputting the integral record to the receiving module of the server 12 through the transmission module 14 to be corresponding to the receiving module Generating a first trigger signal, triggering the storage module 122 to update and store the credit record, and triggering the extraction module to extract the consumption included in the credit record according to the consumption credit record stored by the storage module 122 Identifying and further extracting corresponding credits from the storage module 122 in all points a consumption point record in the system (as shown in FIG. 2) for the conversion module 120 to convert the consumption integral value of the consumer in different integration subsystems according to a preset integral integration rule to generate a The integrated value is integrated and stored in the storage module 122 for subsequent query use. 10 111156 201145195 In addition, when the consumer wants to change the points, it can be performed at any merchant terminal with the credit exchange permission, and is not limited to a single change point, specifically, input in the merchant terminal 10 Consumer identification (identification card number or account number, etc.), and according to the standard of the credit subsystem of the merchant terminal 10, the child identification mark is changed (ie, the consumption is generated according to the standard of the integral change) And determining, by the transmission module 14 , a receiving module that is output to the servo terminal 12 to generate a second trigger signal by the receiving module, and triggering The processing module 124 extracts the integrated integral value corresponding to the consumer identifier from the storage module 122, and determines the waiting for the corresponding deduction of the integral value according to the object received by the receiving module. Whether the integral value required for the item change exceeds the integrated integral value corresponding to the consumer identifier, and if so, the integral value required for the item to be changed is deducted from the integrated integral value, And outputting the deducted integrated point value output to the storage module 122, and transmitting the prompt information of the success of the integral conversion and the updated integrated integral value to the merchant terminal 10 through the transmission module 14, and if not, transmitting the The transmission module 14 provides a prompt message to the merchant terminal 10, so that the processing module 124 can respond to the integration request by the above manner. Since there are a plurality of merchant terminals 10 having a child-changing license, it is preferable to assign all merchant terminals to the child-changing permission, thereby providing a wider consumer-changing pipeline for the consumer. In summary, the credit management system of the present invention facilitates coordinated management of each of the credit subsystems, thereby achieving unified management of points earned by consumers in different credit subsystems, and also providing consumers with multiple merchant terminals. 11 111156 201145195 Into the integral child to change jobs, thus providing a wide range of children to change the pipeline, so, it will better stimulate consumers to spend in the various businesses, and because the points in the different integration subsystems can be managed uniformly, Merchants affiliated with different credit subsystems are united and use a series of discounts to increase competitiveness, thereby increasing the sales volume of each merchant and the loyalty of consumers to each merchant. The above-described embodiments are merely illustrative of the principles of the invention and its effects, and are not intended to limit the invention. Modifications and alterations of the above-described embodiments can be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of protection of the present invention should be as set forth in the scope of the patent application to be described later. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram showing the basic architecture of the point management system of the present invention, and FIG. 2 is a diagram showing the consumer identification, system identification and consumption points stored in the storage module of FIG. A schematic diagram of the correspondence of values. [Main component symbol description] 1 Point management system 10 Merchant terminal 12 Service terminal 120 Conversion module 122 Storage module 124 Processing module 14 Transmission module 12 111156