TW201421400A - Reward points transaction system - Google Patents

Abstract

The present invention relates to a consumer reward points transaction system, in which inter-membership and card-less transactions including redemption and awarding are realized through the cardholder information and dealer information verifications, as well as issuer information verification. A remote member ID verification module and a remote transaction and calculation module are used to conduct the verifications and the authorized transactions.

Description

Member shopping feedback transaction system

The present invention relates to an automated member shopping feedback transaction system, and more particularly to a computerized membership service system for providing reward points when a member makes a purchase and enabling the member to pay by the reward points.

In modern society, it has become a very popular practice to provide consumer preferences through feedback programs. Stores, large shopping malls, chain stores, credit card issuing banks, and even professional consumer feedback providers provide a certain proportion or value of rewards or reward points when consumers consume, to achieve the main method of stimulating consumption and increasing income. Therefore, the operators implementing this feedback mechanism are issuing "Membership Cards" and setting up a computerized trading system for handling members' shopping feedback, as well as a card reader set at the consumer premises to facilitate members to obtain reward points or rewards. And use the feedback points or feedback to spend.

The Republic of China Patent Publication No. 2010-32158 discloses a system for performing joint consumption points and feedback for implementing the above feedback mechanism. The system includes: a plurality of credit card credit machines, a point calculation device, and an account management device. The plurality of credit card credit card machines are arranged in different businesses for consumers to consume with the consumption point feedback card. The amount of consumption can be converted into points and stored in the account management device for deduction when re-consumption. The system integrates the points generated by consumers' consumption, so that the bonus points of different credit cards can be used interchangeably, and can also be used in different industries and stores.

The purpose of the above system is to implement the "Joint Consumption Points", but the way is to build a credit card machine at each consumer location. According to the description of the patent specification, in actual application, the "credit card reader" should actually be a "reward card swipe machine" for reading the information recorded on the credit card. Therefore, when implementing the patent system, the consumer must hold a membership card or a feedback card, and the store must purchase an additional credit card machine to execute. In addition, all processing can only be based on the information carried by the membership card or the feedback card. Both the use and processing are quite inconvenient.

Therefore, it is currently necessary to provide a novel member shopping feedback transaction system that can perform reward point transactions without using an additional credit card machine.

At the same time, a novel member shopping feedback transaction system is needed, which can accept the shopping feedback transaction request provided by different merchants for processing.

There is also a need for a member shopping feedback transaction system that can be used by cross-member groups, allowing members to use the identity of a particular member group to conduct a shopping feedback transaction that is not part of the member group.

There is also a need for a member shopping feedback transaction system that does not require the use of a membership card.

It is an object of the present invention to provide a novel member shopping feedback transaction system that can perform reward point transactions without the use of an additional card swipe machine.

The object of the present invention is also to provide a member shopping feedback transaction system that can accept shopping feedback transaction requests provided by different merchants for processing.

It is also an object of the present invention to provide a member shopping feedback transaction system that can be used by a cross-member group for members to use the identity of a particular member group to conduct a shopping feedback transaction that is not a member group.

The object of the invention is to provide a member shopping feedback transaction system that does not require the use of a membership card.

The member shopping feedback transaction system according to the present invention has a member database for recording the personal data of a majority member and the feedback points relative to the member and the transaction history data thereof; a vendor database for recording the majority of the manufacturers Data and at least one feedback point conversion information; a remote member identity identification module identifies the transaction information when it receives a transaction information including a member's member information and a manufacturer's manufacturer information sent by an external machine. Whether the included manufacturer data matches at least one vendor data recorded in the vendor database, and when the determination is yes, it is further recognized whether the member information included in the transaction information matches at least one member data recorded in the member database, and Providing the balance of the feedback points related to the member profile to the external machine when the recognition result is YES; a remote transaction calculation module for accepting an indication of the external machine deduction or increasing the number of member feedback points, and determining that the external machine deducting or increasing the member feedback point indication is consistent with the record of the vendor database, corresponding to When the information of the manufacturer's data is converted, the operation of the member's feedback point increase and decrease instruction is executed according to the definition of the feedback point conversion information, and the result is recorded in the member database; The at least one member information recorded in the member database includes the member card issuing unit and the card number information corresponding to the member, and at least one feedback point conversion information recorded by the manufacturer database includes the member card issuing unit applicable to the The member's feedback point conversion information; the remote member identification module receives a piece of transaction information sent by an external machine, determines whether the member information of the transaction information corresponds to a membership card information, and When the judgment result is yes, the server of the membership card issuing unit is connected to obtain authorization; and the remote transaction calculation mode At the time of completion of the transaction, the transaction result information is transmitted to the card issuer's server membership card.

The personal data recorded in the member database may contain security information. The manufacturer data recorded in the vendor database may also contain security information. In addition, in a preferred embodiment of the present invention, when receiving the transaction information sent by the external device, the remote member identification module may perform another vendor check to determine whether the transaction information source is correct according to a specific procedure. .

In a preferred embodiment of the present invention, the membership card issuing unit may be a credit card issuing bank, where the membership card is a credit card. The membership card may also be an entityless membership card.

In addition, in some embodiments of the present invention, the external device is a computer connected to the Internet, and the feedback point transaction module is built, and the member shopping feedback transaction system can be connected to provide the required member information and vendor information. To conduct member shopping feedback transactions. In another example of the present invention, the external machine is a traditional credit card reader, but the above-mentioned feedback point transaction module is built, and the member shopping feedback transaction system can be connected when the credit card is swiped, and the required member information and manufacturer are provided. Information for member shopping feedback transactions.

With the member shopping feedback transaction system of the present invention, the manufacturer or the store does not need to purchase additional reading cards. Machine, you can conduct member shopping feedback transactions. In addition, members do not need to carry a membership card to conduct cross-bank member shopping feedback transactions during shopping. Not only that, but the credit card issuing bank can also be linked to the member's shopping feedback transaction system, so that the cardholder can store the member shopping reward points provided by the issuing bank in the member shopping feedback transaction system. Cardholders use their shopping reward points to consume, that is, they are not subject to the applicable range of reward points provided by the issuing bank.

The architecture, implementation and functions of the member shopping feedback transaction system of the present invention will be described below by way of example with reference to the drawings. However, it should be understood that the scope of the invention is not limited to the examples described below. Any system and application to which the principles, architectures, and methods of the present invention are applied should be within the scope of the invention.

Figure 1 is a system diagram showing the member shopping feedback transaction system of the present invention. As shown, the member shopping feedback transaction system 100 of the present invention can be used to connect a plurality of external machines 11, 12, 13. In this example, 11 may represent a general company line number, an internet-connected computer used by the store, 12 may represent a credit card swipe machine or a membership card reader commonly used in stores or stores, and 13 may represent a common webcam. / Internet shopper's Internet computer or server. There are no restrictions on the type, specification, number, and location of the external machines 11, 12, and 13. The data exchange format according to the present invention and the member shopping feedback transaction system 100 can be applied to the present invention as long as it can be constructed to be compatible with the member shopping feedback transaction system 100.

A feedback point transaction module 11a, 12a, 13a can be built in the external machine 11, 12, 13 for obtaining the member information of a consumer, and linking the member shopping feedback transaction system 100 to the exchange The member information and manufacturer information required are provided to the member's shopping feedback transaction system 100, and the member shopping feedback transaction is performed. The tool used to obtain the consumer member information here may be any device that can input the consumer member information automatically or manually, such as a credit card machine, a card reader, a barcode printer, a wireless ID detector, a microphone and a voice recognition software. Keyboard, touch panel, etc. The obtained member information may include one or more of a member name, a member number, a member code, a credit card number, a biometric feature, and any personally identifiable information.

The feedback point transaction modules 11a, 12a, 13a can be built into the external devices 11, 12, 13 in a software component type. If the external device is a credit card swipe machine 12, it may be attached to the card swiping machine by means of a software component, a hardware module or the like. If the external device is an Internet-enabled computer or server 13 of a network camera/network purchaser, the reward point transaction module 13a may be a software component that obtains member information from the Internet, for example, a webpage type. The consumer member information is obtained and sent directly to the member shopping feedback transaction system 100, or sent to the external device 13, and then sent to the member shopping feedback transaction system 100 by the external device 13. Of course, the external machine 11, 12, 13 can also input the consumer member data via manual operation.

The member shopping feedback transaction system 100 can be communicatively coupled to the individual external machines 11, 12, 13 in any manner. Suitable methods include any known means of communication, such as internal networks, internet, wireline telephones, mobile telephones or other communication systems, and the like. Figure 1 shows an example of an internet connection.

The system also includes a server 20 of the membership card issuer unit coupled to the member shopping feedback transaction system 100 in the manner previously described. The membership card issuing unit may be any member organization, including consumer organizations, credit card issuing banks, discount card issuing agencies, feedback card issuing institutions, point card issuing institutions, VIP card issuing institutions, employee welfare committees, goods or service providers. Wait. The membership card issued includes a physical membership card and a virtual membership card. A preferred example is a member organization that provides feedback points for consumers with a monetary value. The server 20 is thus equipped with a software tool that is calculated by the member card issuing unit member consumption amount, the number of feedback points is increased and decreased, and the fee is paid by the reward points. Such software tools have become well-known in the industry and are widely used in applications such as credit cards, discount cards, feedback cards, and point cards. The detailed technical content is not described here.

In the present invention, when a member of a specific organization consumes at any of the consuming places, the entity loyalty card or the virtual loyalty card may be used, and the reward points trading modules 11a, 12a, through the external machines 11, 12, 13 of the consuming premises, 13a Enter the member profile, and the external shopping machine 11, 12, 13 links the member shopping feedback transaction system 100 for verification. When the verification is passed, the member shopping feedback transaction system 100 notifies the external machine 11, 12, 13 of the verification result, authorizing it to conduct the transaction. After the transaction is completed, the external machine 11, 12, 13 notifies the member of the shopping feedback transaction system 100, After verification, the server 20 of the member card issuing unit is notified to perform accumulation or deduction of the member's reward points, and the external machine 11, 12, 13 transaction is notified that the transaction has been completed. If necessary, the external machine 11, 12, 13 can also be equipped with a printer (not shown) to print the transaction result and deliver it to the member.

With the member shopping feedback transaction system 100 of the present invention, the manufacturer or the store can perform the member shopping feedback transaction without additional purchase of the card reader. In addition, members do not need to carry a membership card to conduct cross-bank member shopping feedback transactions during shopping.

In a particular use of the invention, the card issuer is a credit card issuing bank. Here, the membership card is an entity or a virtual credit card. In such an example, the credit card issuing bank may be linked to the member shopping feedback transaction system 100 so that the cardholder can store the member shopping reward points provided by the issuing bank in the member shopping feedback transaction system 100. Cardholders use their shopping reward points to consume, that is, they are not subject to the applicable range of reward points provided by the issuing bank.

Figure 2 shows a system diagram of the member shopping feedback transaction system 100 of the present invention. As shown, the member shopping feedback transaction system 100 includes a member database 110, a vendor database 120, a remote member identity module 130, and a remote transaction computing module 140. The member database 110 is used to record the majority of the members' personal data and the feedback points relative to the members and their transaction history data. The vendor database 120 is used to record most vendor data and at least one feedback point conversion information. The member information recorded in the member database 110 further includes the member card issuing unit and the card number information of each member data, and the feedback point conversion information recorded by the manufacturer database 120 includes the member card issuing unit applicable to each member. Feedback points conversion information. In other words, each member's profile may include most member card number information; each vendor's profile also corresponds to most of the member's profile. The two modules can be created using known database technologies to create, modify, and delete various required data.

The remote member identification module 130 is used to identify the member identity of the consumer to authorize the member to perform the reward point transaction. The remote member identification module 130 can be configured in a software component manner to authorize when a request is sent from an external device 11, 12, or 13. In the example of the present invention, the request sent by the external machine 11, 12, 13 preferably includes the necessary Easy information, such as the member information of the consumer requesting the transaction, and the vendor information of the manufacturer represented by the external machine 11, 12, 13 and other applicable transaction information.

When receiving the request for including the transaction information, the remote member identification module 130 identifies whether the vendor information included in the transaction information matches at least one vendor data recorded by the vendor database 120. When the determination is yes, it is determined whether the member information included in the transaction information matches at least one member data recorded by the member database 110. And when both of the recognition results are obtained, the balance of the feedback points related to the member data is obtained from the member database 110, and is provided to the external devices 11, 12, and 13 to authorize the external devices 11, 12, and 13 to give feedback. Point trading. In a preferred embodiment of the present invention, the remote member identification module 130 connects to the server 20 of the member card issuing unit when determining that the member information or the member information and the manufacturer information are correct, so as to obtain authorization, and notify the outside. Machines 11, 12, 13. This trading model can be called "inter-bank trading". That is, the membership card for the transaction is not issued by the operator of the member's shopping feedback transaction system 100, but by an external card issuer.

The remote transaction calculation module 140 is configured to determine whether the reward point transaction indication conforms to a predetermined transaction rule and conducts a transaction. The remote transaction calculation module 140 can also be configured in a software component manner to execute the transaction upon receipt of the one-piece feedback transaction instruction sent by the external device 11, 12, 13. In the example of the present invention, the feedback points sent by the external machine 11, 12, 13 preferably contain necessary transaction information, such as an indication of deducting or increasing the number of points of the member and the number of points. The remote transaction calculation module 140 determines whether the indication content meets the record of the manufacturer's database 120 and corresponds to the feedback point conversion rule of the manufacturer data. When the judgment is consistent, the operation of the member feedback point increase/decrease instruction is executed according to the definition of the feedback point conversion information, and the result is recorded in the member database 110.

In an example of the present invention, the personal data recorded by the member database 110 may contain security information. The vendor data recorded by the vendor database 120 may also contain security information. In such an instance, the transaction information sent by the external machine 11, 12, 13 needs to include relevant security information. If the security information is not included, the remote member identification module 130 issues a warning requesting the external machine 11, 12, 13 to provide. At this time, consumers need to swipe, type, voice, video, and The security information is provided by means of features or the like, or the security information is provided by the manufacturer in the same or similar manner.

In addition, in the preferred embodiment of the present invention, the remote member identification module 130 may perform another check on the transaction information received by the external device 11, 12, and 13 to determine the manufacturer according to a specific procedure. The source of the transaction information is correct.

Figure 3 is a flow chart showing the transaction of the member shopping feedback transaction system 100 of the present invention. As shown, the remote member identification module 130 receives an incoming transaction request from an external machine 11, 12, 13 at 301. The transaction request contains the information of the consumer member requesting the transaction, as well as the transaction information of the vendor's vendor information. The remote member identification module 130 identifies whether the vendor information contained in the transaction information matches at least one vendor data recorded by the vendor database 120. If the determination is yes, the 303 further recognizes whether the member information included in the transaction information matches at least one member data recorded by the member database 110. If the result of the determination in step 302 or 303 is NO, then the external machine 11, 12, 13 is notified at 304 to reject the transaction, and the job is terminated by 305. If the determination is yes at 303, the issuing unit of the membership card is determined according to the card issuing unit information recorded by the member database 110, and the server 20 of the card issuing unit is notified. After obtaining the authorization of the server 20 of the card issuing unit, the remote member identification module 130 obtains the balance of the feedback points related to the member data from the member database 110 at 308, and provides the balance to the external device 11, 12 13. Authorize the external machine 11, 12, 13 to perform a reward point transaction.

In step 309, the remote transaction calculation module 140 receives the feedback point transaction indication sent by the external machine 11, 12, 13 including the indication of subtracting or increasing the number of member feedback points and the number of points. The remote transaction calculation module 140 determines whether the indication content meets the record of the manufacturer's database 120 and the feedback point conversion rule corresponding to the manufacturer data. When the judgment is consistent, the operation of the member feedback point increase/decrease instruction is executed according to the definition of the feedback point conversion information, and the result is recorded in the member database 110. At 312, the remote transaction calculation module 140 notifies the external machine 11, 12, 13 and the server 20 of the card issuer of the transaction result, and ends the job by 305. If the result of the determination at 310 is a discrepancy, in step 313, it is determined whether the number of times the point feedback transaction indication discrepancy exceeds a predetermined value. If yes, proceed to step 304 to reject the transaction. And to 305 to finish the homework. If the number of discrepancies in the judgment result does not exceed the predetermined value, the external machine 11, 12, 13 is notified of the result of the discrepancies at 314, and the correction point is fed back to the transaction instruction. When it is judged at 315 that the corrected point number feedback transaction instruction is received, the step returns to 310 and the judgment is made again.

In the above steps, the consumer can choose to specify the membership card to be used, without being limited to any particular membership card, including credit cards. Consumers do not actually need to carry physical cards, and manufacturers do not need to purchase or build credit card readers or card readers. Point transactions include an increase in the number of reward points due to consumer behavior and a reduction in the number of reward points generated by the use of feedback points. It is convenient.

The above is an example to illustrate the architecture, composition, operation and function of the member shopping feedback transaction system of the present invention. It is not difficult for people in this industry to make various derivatives and changes by reading the above instructions. However, anyway, it should be within the scope of the invention as long as it does not depart from the spirit of the invention.

100‧‧‧Members Shopping Feedback System

11, 12, 13‧‧‧ external machines

11a, 12a, 13a‧‧‧Feedback Trading Module

20‧‧‧Server

110‧‧‧Member Database

120‧‧‧ Vendor Database

130‧‧‧Remote Member Identity Identification Module

140‧‧‧Remote Transaction Calculation Module

Figure 1 is a system diagram showing the member shopping feedback transaction system of the present invention.

Figure 2 is a system diagram showing the member shopping feedback transaction system of the present invention.

Figure 3 is a flow chart showing the transaction of the member shopping feedback transaction system of the present invention.

100‧‧‧Members Shopping Feedback System

11, 12, 13‧‧‧ external machines

11a, 12a, 13a‧‧‧Feedback Trading Module

20‧‧‧Server

Claims (8)

A member shopping feedback transaction system has a member database for recording the personal data of a majority member and the feedback points relative to the member and its transaction history data; a vendor database for recording the majority of the manufacturer's data and at least A feedback component of the feedback information; a remote member identity identification module identifies the vendor of the transaction information when it receives a transaction information including a membership information of a member and vendor information of a manufacturer. Whether the data matches at least one vendor data recorded in the vendor database, and when the determination is yes, it is further recognized whether the member information included in the transaction information matches at least one member data recorded in the member database, and the result is identified. In the case of YES, the balance of the reward points related to the member information is provided to the external machine; and a remote transaction calculation module is configured to accept the deduction of the external machine or increase the indication of the member feedback point, and determine the external The machine deduction or increase of the member's feedback points is in accordance with the manufacturer's database, corresponding to the manufacturer's information. When the feedback information is converted, the operation of the member feedback point increase/decrease instruction is executed according to the definition of the feedback point conversion information, and the result is recorded in the member database; the feature is: the member database The at least one member information recorded includes the membership card issuing unit and the card number information of the member, and at least one feedback point conversion information recorded by the manufacturer database includes the reward point applicable to the member of the member card issuing unit. The number of conversion information; the remote member identification module receives a piece of transaction information sent by an external machine, determines whether the member information included in the transaction information corresponds to a membership card information, and when the judgment result is yes And linking the server of the membership card issuing unit to obtain authorization; and the remote transaction calculation module transmits the transaction result information to the server of the member card issuing unit when the transaction is completed. For example, the member shopping feedback transaction system of claim 1 of the patent scope, wherein the member database The personal data recorded may contain safety information. For example, in the member shopping feedback transaction system of claim 1, the manufacturer data recorded in the manufacturer database may also contain safety information. For example, in the member shopping feedback transaction system of claim 1, wherein the remote member identification module receives a transaction information sent by an external machine, and performs a vendor check to determine the transaction according to a specific procedure. Is the source of the information correct? For example, in the member shopping feedback transaction system of claim 1, wherein the membership card is a credit card issuing bank, and the membership card is a credit card. For example, the member shopping feedback transaction system of claim 1 of the patent scope, wherein the membership card is a non-physical membership card. For example, in the member shopping feedback transaction system of claim 1, wherein the external machine is a computer connected to the Internet, and a feedback point transaction module is built, which can be connected to the member shopping feedback transaction system and provide the office. Member information and vendor information are required for member shopping feedback transactions. For example, in the member shopping feedback transaction system of claim 1, wherein the external machine is a traditional credit card reader, and a feedback point transaction module is built, which can be linked to the member shopping feedback transaction system when the credit card is swiped. Provide the required member information and vendor information for member shopping feedback transactions.