TW201705060A - Bank bonus point exchange system and method thereof combine bonus points generated by card issuing of finical institution with consumption points - Google Patents

Abstract

A bank bonus point exchange system and its method are provided. The bank bonus point exchange system includes a member point platform, a plurality of bank central control platforms and a multimedia terminal machine having a display screen. The member point platform is configured to login at least one card in a membership account and establish a point account according to the membership account. Therefore, after an exchanger inputs card information of a card issued by a financial institution into a multimedia terminal machine, inquiry is carried out and bonus point data of the card issued by the financial institution is displayed, and after redeeming bonus point data into consumption point data according to the selected bonus redemption mode, the redeemed consumption point data can be stored in the point account corresponding to the membership account of the member point platform.

Description

Bank bonus point exchange system and method thereof

The invention relates to a bank bonus point exchange system and a method thereof, in particular to a system and a method thereof capable of cooperating with various banks to convert bank dividend points into consumption point data, so as to enable consumers to The use of the number is more liberalized, diversifying the commodity, and increasing the willingness to exchange points.

With the changes of the times, goods trading is no longer just cash. Banks have introduced plastic money such as credit cards, so that the public can consume without having to carry large amounts of cash, which will improve convenience. Therefore, the function of the credit card is also due to the business opportunities brought about by the widespread use, so that major chain stores and bankers jointly launch joint credit cards, from the initial development of simple card swiping to the current consumption and accumulation of bonuses or points and other functions. .

However, the biggest problem at present is that the products and services that can be exchanged for the bonus points generated by each credit card are different. Therefore, consumers will also hold a number of different credit cards to accumulate bonus points in order to be able to Redeem different goods and services, but bonus points and discounts are often limited by the issuing bank's regulations. Therefore, if consumers are interested in new discounts and other promotions, consumers must apply for a new one. Credit card, and re-swipe to accumulate bonus points, if consumers must accumulate a certain bonus point to be able to carry out discounts and other promotions, but such discounts and other promotions often have a deadline, which will make consumers It is difficult to achieve discounts and other promotional activities with bonus points.

In addition to the bonus points of the above credit cards, the most popular marketing activities of the major supermarkets and department stores are that after the consumers purchase the goods, they can give a certain amount of consumption points. In exchange for other goods or services, this type of activity, in addition to allowing consumers to directly use the accumulated points to redeem the corresponding goods, even the same small gifts such as limited dolls, will provide consumers with a brand new shopping In addition to experiencing and increasing consumer willingness, it will also bring huge business opportunities for the industry to open up new market territory.

Therefore, if the bonus points generated by the credit card can be combined with the consumption points, and the bonus points of different banks can pass different exchange rates, the dividend points of different banks can be directly converted into consumption points. In this way, when consumers are allowed to convert the bonus points accumulated by all the credit cards held by them into consumption points, they will be able to obtain a large number of points of consumption, so that they can be applied and exchanged. There will be more goods or services. If the bank can open up and the consumption points can also be applied to discounts and other preferential activities, it will be able to solve the problem that credit card credit consumption is insufficient to accumulate enough bonus points, so it is impossible to participate in the discount immediately. The issue of preferential activities, such as this should be the best solution.

The invention provides a bank bonus point exchange system and a method thereof, which can combine the bonus points generated by a financial institution issuing cards with the consumption points, and enable different banks to have different bonus points. The exchange rate allows the dividends of different banks to be directly converted into consumption points. This will enable consumers to use more points, diversify their products, and increase the willingness to exchange points.

The above-mentioned bank bonus point exchange system can be achieved, comprising: a member point platform, comprising a member management module for establishing a member basic data as a member account, and being able to log in at least one card. In a member account, and based on the member account, a point account is established; a point management module is connected to the member management module for storing at least one piece of consumption point data in the member account. Corresponding point accounts; several bank central control platforms include a bonus point query module for querying the financial institution's issuance in the bank's central control platform by card information issued by a financial institution The bonus point data of the card; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the bonus point data of the financial institution according to a bonus exchange mode. Converted to consumption point data; a multimedia terminal machine with a display screen is set in a physical store, the multimedia terminal machine system includes a The bonus point inquiry module is capable of displaying at least one bonus point inquiry page on the display screen for inputting the card information of the card issued by the financial institution, and connecting the financial terminal to the financial institution by the multimedia terminal machine After issuing the bank's central control platform corresponding to the card, the card information of the card issued by the financial institution is queried in the bank's central control platform, and the bonus point data of the card issued by the financial institution is displayed on the display screen. a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen, and the bonus point redemption selection page can display a bonus After the option of the redemption mode, and after selection, the multimedia terminal machine is connected to the bank central control platform corresponding to the issuing card of the financial institution, and the financial institution issues the card according to the selected dividend exchange mode. The bonus point data is exchanged for consumption point data; a member-to-home module is connected to the bonus point redemption module. The at least one member affiliation selection page is displayed on the display screen, and the member affiliation selection page has at least one member affiliation option; and the registrar voucher conversion module is connected to the member affiliation module. After selecting one of the member vesting options, the registrar voucher conversion module can convert the converted point data to be converted into a vouchers, and the vouchers and corresponding consumption points The data system is transmitted back to the point management module of the member point platform; a redemption voucher output module is connected with the home voucher conversion module for outputting a voucher file having the voucher certificate; a printing operation module is connected to the exchange voucher conversion module for printing the voucher file output by the voucher conversion module; and thereafter, the member management module capable of logging in to the member point platform In the group, the account voucher on the voucher file is input into the point management module, and the converted credit data is stored in the credit account corresponding to the member account.

More specifically, the home vouchers can be a serial number, a code, a QR code, or a mixture of two or more thereof.

More specifically, the user can log in to the member account of the member management module through a web interface or an application software interface, and input the home certificate on the web interface or the application software interface to The management module points the account voucher to the credit point data after the redemption, and stores it in the credit account corresponding to the member account.

More specifically, the web interface or the application software interface can input the member basic information into the member account of the point management module, and the member basic information is the mobile phone number or the ID number.

Another implementation framework of the present invention, wherein the bank bonus point exchange system comprises: a member point platform, comprising a member management module for establishing a member basic information as a member account, and capable of At least one card is registered in a member account, and a point account is established according to the member account; a point management module is connected with the member management module to use at least one point of consumption data. It is stored in the point account corresponding to the member account; several bank central control platforms include a bonus point inquiry module, which is used to issue card information of a card by a financial institution in the bank control platform. Inquiring about the bonus point data of the issuing card of the financial institution; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the financial institution according to a bonus exchange mode The bonus point data of the card is exchanged for consumption point data; a multimedia terminal machine with a display screen is set in a physical store, which is more The terminal device system includes a bonus point inquiry module, which is capable of displaying at least one card data input page on the display screen for inputting the card information of the financial institution issuing the card, and then the multimedia terminal machine is connected After the bank's central control platform corresponding to the issuance of the card by the financial institution, the card information of the card issued by the financial institution is used to query the bank's central control platform and display the bonus points of the card issued by the financial institution. The data is displayed on the display screen; a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen, and the bonus point is redeemed On the selection page, the option of displaying the bonus exchange mode can be displayed, and after selection, the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, and according to the selected bonus exchange mode, The bonus points of the card issued by the financial institution are converted into points for consumption; and a member-to-home module is associated with the The bonus point redemption module is connected to display at least one member affiliation selection page on the display screen, and the member affiliation selection page has at least one member homing option for the exchange after consumption. The point data is stored in the credit account corresponding to a designated member account.

More specifically, the multimedia terminal machine further includes a member point platform authentication module connected to the member home module, and after selecting one of the member attribution options, the member point platform authentication mode The group can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for membership authentication to search for the matching in the member management module of the member point platform. Member account.

More specifically, the member can input the basic information of the member in the member point platform authentication page, and after the authentication is completed, the credit point data after the redemption can be stored in the member account according to the basic information of the member. Points in the account.

More specifically, the basic information of the member is a mobile phone number or an ID number.

More specifically, the multimedia terminal station further includes a card reading device connected to the member point platform authentication module, and the card reading device is configured to read the card registered in the member account. After the card is completed, after the certification is completed, the credited credit data can be stored in the credit account corresponding to the member account according to the card information.

Another implementation framework of the present invention, wherein the bank bonus point exchange system comprises: a member point platform, comprising a member management module for establishing a member basic information as a member account, and capable of At least one card is registered in a member account, and a point account is established according to the member account; a point management module is connected with the member management module to use at least one point of consumption data. It is stored in the point account corresponding to the member account; several bank central control platforms include a bonus point inquiry module, which is used to issue card information of a card by a financial institution in the bank control platform. Inquiring about the bonus point data of the issuing card of the financial institution; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the financial institution according to a bonus exchange mode The bonus point data of the card is exchanged for consumption point data; a multimedia terminal machine with a display screen is set in a physical store, which is more The terminal terminal system includes a member point platform authentication module, which can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for member authentication for the member. The member management module of the point platform searches for whether there is a matching member account; a bonus point inquiry module is connected with the member point platform authentication module, and can be displayed after the member account is authenticated. At least one card data input page is displayed on the screen for inputting the card information of the card issued by the financial institution, and the multimedia terminal machine is connected to the bank central control platform corresponding to the issuing card of the financial institution, and then borrowed The card information of the card issued by the financial institution is queried in the bank's central control platform, and displays the bonus point data of the card issued by the financial institution on the display screen; a bonus point redemption module is associated with the bonus The point query module is connected to display at least one bonus point redemption selection page on the display screen, and the bonus point is exchanged On the selection page, the option of displaying the bonus exchange mode can be displayed, and after selection, the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, and according to the selected bonus exchange mode, The bonus point data of the issuing card of the financial institution is converted into consumption point data; a member affiliation module is connected with the bonus point redemption module for displaying at least one member on the display screen. The user selection page has at least one member affiliation option in the member registrar selection page, and the stored credit point data is stored in the point account corresponding to the specified member account.

More specifically, the member point platform authentication module is further connected with the member home module, and after selecting one of the member attribution options, the member point platform authentication module can display the screen. At least one member point platform authentication page is displayed, and the member basic information is input in the member point platform authentication page, and after the certification is completed, the credited point data can be stored in the member according to the member basic information. The number of points in the account corresponds to the account.

More specifically, the basic information of the member is a mobile phone number or an ID number.

More specifically, the multimedia terminal station further includes a card reading device connected to the member point platform authentication module, and the card reading device is configured to read the card registered in the member account. The card data is used for authentication, and after selecting one of the member vesting options, the credited point data can be stored in the point account corresponding to the member account according to the card information.

A bank bonus point exchange method, the steps of which are: (1) after inputting a card information of a financial institution issuing a card on a multimedia terminal machine, the multimedia terminal machine is connected to the financial institution to issue a card corresponding to the card After the bank's central control platform, it queries and displays the bonus point data of the card issued by the financial institution; (2) After that, selects the bonus exchange mode on the multimedia terminal machine and connects to the bank's central control platform. According to the selected bonus exchange mode, after the bonus point data of the financial institution issuing the card is converted into the consumption point data, the multimedia terminal machine displays the dividend point data exchanged by the financial institution issuing the card. And the point data for consumption; and (3) Finally, the method of selecting the point of consumption data to be returned to the household on the multimedia terminal machine, so as to store the credit data of the exchanged points in one member point The number of points in the member account of the platform account.

More specifically, after the method of selecting the point-of-purchase data to be returned to the household is completed, the multimedia terminal machine can convert the converted point data of the consumption into a home voucher, and then the multimedia terminal machine The platform prints a redemption voucher with a home voucher, and then can log in to the member account through a web interface or an application software interface, and after inputting the voucher voucher, the home voucher can be returned as the The credit data after the redemption is stored, and the converted credit data is stored in the credit account corresponding to the member account.

More specifically, the home vouchers can be a serial number, a code, a QR code, or a mixture of two or more thereof.

More specifically, the web interface or the application software interface can input a member basic information into the member account, and the member basic information is a mobile phone number or an ID number.

More specifically, the method of consuming the point data of the consumer is to be able to input a member basic information on the multimedia terminal machine to authenticate the member account, and after the certification is completed, the credit points after the exchange are completed. The data is stored in the credit account corresponding to the member account.

The bank bonus point exchange method according to claim 15, wherein the consumer point data is to be returned to the household, and the card data of the card registered in the member account can be read on the multimedia terminal machine, and the card is The information is used to authenticate the member account, and after the certification is completed, the credited point data is stored in the point account corresponding to the member account.

More specifically, the bank bonus point exchange method can read a card data of a card registered in the member account before the multimedia terminal machine, and authenticate the member account of the card data, and authenticate After the completion, the card information of the card issued by the financial institution is started.

More specifically, the consumer point data is to be returned to the household, and the credited point data can be directly stored in the point account corresponding to the member account.

More specifically, the method of consuming the point data of the consumer to be returned to the household can further input a member basic information on the multimedia terminal machine to authenticate the member account, and after the certification is completed, the consumer point after the exchange is completed. The number of data is stored in the credit account corresponding to the member account.

More specifically, the basic information of the member is a mobile phone number or an ID number.

Other details, features, and advantages of the present invention will be apparent from the following description of the preferred embodiments.

Please refer to FIGS. 1A-1C for the overall architecture of the first implementation of the picking trolley of the bank bonus point exchange system and method thereof, the architecture diagram of the multimedia terminal machine and the bank central control platform, and the member platform and redemption. Schematic diagram of the platform structure, as shown in the figure, the bank bonus point exchange system includes a member point platform 1, at least one bank center control platform 2, a multimedia terminal station 31 having a display screen 311, and a redemption platform 4. The member point platform 1 includes a member management module 11 and a point management module 12 (the member point platform 1 also has a function of a database and a server), and the member management module 11 uses To establish a member's basic information (can be a mobile phone number, ID number or other information that can have identification or contact proof) as a member account, and can log at least one card to a member account And establishing a point account according to the member account, and the point management module 12 is configured to store at least one piece of consumption point data in the meeting Account corresponding to the account number of points;

The bank control platform 2 includes a bonus point query module 21 and a bonus exchange point module 22 (the bank control platform 2 also has the function of a database and a server), wherein the bonus point query The module 21 is configured to query the bank's central control platform for the bonus point data accumulated by the financial institution to issue a card by using a card information issued by a financial institution, and the bonus exchange point module 22 is Can be based on a bonus exchange model (the bonus exchange model is for different banks and merchants to negotiate the dividend exchange rate or dividend redemption program) to convert the bonus points of the card issued by the financial institution into consumption points data, dividends exchange The mode is based on the negotiation between the merchant and the bank. In the case of the icash card, a dividend redemption mode must be negotiated. If the bonus exchange mode is 1:2, that is, the bonus point of 1 point can Redeem 2 points of icash points (consumption points data), but the actual bonus exchange mode must be negotiated, and the bonus exchange mode is set, except for bonus exchange. In addition to the ratio, it is possible to stipulate several different bonus exchange schemes (that is, the exchange is not necessarily converted according to a certain ratio);

The financial institution issuing the card mentioned here is a credit card or a visa financial card, but in addition to the above two types of cards, other cards issued by the bank and can be used to accumulate bonus points are also issued by the financial institution. card.

The multimedia terminal machine 31 is disposed in a physical store 3, and the multimedia terminal machine 31 includes a display screen 311 (touch screen), a bonus point query module 312, and a bonus point redemption module. 313. A member-to-home module 314, a home-to-home voucher conversion module 315, a voucher output module 316, and a print job module 317, wherein the bonus point query module 312 can be displayed on the display screen 311. Displaying at least one bonus point inquiry page for inputting the card information of the card issued by the financial institution, after the multimedia terminal machine 31 is connected to the bank central control platform 2 corresponding to the issuing card of the financial institution, Providing card information of the issuing card of the financial institution, after the bonus point inquiry module 21 of the bank's central control platform 2 queries the bonus point, it can display the bonus point data of the card issued by the financial institution on the display screen. 311;

The bonus point redemption module 313 can display at least one bonus point redemption selection page on the display screen 311, and the option of displaying a bonus exchange mode on the bonus point redemption selection page, and after the selection, the multimedia is selected by the multimedia The terminal machine 31 is connected to the bank central control platform 2 corresponding to the issuing card of the financial institution, and the dividend issuing point of the financial institution is issued by the bonus exchange point module 22 according to the selected bonus exchange mode 22 The number of data is converted into consumption point data; after that, the member registrar module 314 displays at least one member registrar selection page on the display screen 311, and the member affiliation selection page has at least one or more Member-to-home option, and the member-to-home option can be "Abandon this redemption", "Continue redemption", "Print coupon", "Card into account" or "Return points to other members";

Therefore, when the member registrar option is "print coupon", the registrar voucher conversion module 315 displays at least one registrar voucher output style selection page on the display screen 311, and the registrar voucher is After the home voucher is selected in the output style selection page, the converted point data is converted into a home voucher, and the voucher and its corresponding consumption point data are returned to the The member points the point management module 12 of the platform 1. Thereafter, the redemption voucher file having the registrar voucher is outputted by the voucher output module 316, and the voucher file is printed by the printing operation module 317. For a voucher of 5.

The implementation of the first implementation is as shown in FIG. 2A to FIG. 2M. When the consumer operates in front of the display screen 311 of the multimedia terminal station 31, as shown in FIG. 2A and FIG. 2B, it is necessary to select After the "bonus" and "credit card" options, you will enter a bonus point inquiry page (such as 2C ~ 2H). From 2C to 2H, consumers can choose credit card issuing bank (Taishin Bank), enter the user ID number (S225476711), enter the date of birth (710101), enter the credit card number (5520022007777605), enter 3 codes (128) behind the credit card, and then display the bonus product on the display screen 311. Dot points (dividend points data);

After that, when you click "Select Redemption Method", you will enter a bonus point redemption selection page (such as Figure 2I ~ 2J), as shown in the figure, after clicking "Transfer PP Points", you can Further select "100 points for PP points", "200 points for PP points", and "PP points for 500 points", and different PP points are different. If you redeem points for consumption, you must deduct the credit card. The number of points (dividend points data) is 105 points, and in this embodiment, "PP points 100 points" is selected. In this case, 55 points must be deducted from the deduction of credit card points, and once the "PP points 100" are clicked, Point" means that the redemption process has been carried out;

After that, the user will be entered into a member-receiving page. As shown in Figure 2k, in this embodiment, the member-to-home option includes only "abandon this redemption", "continue redemption" and "printing redemption coupons". After clicking the "print coupon", the user will enter the home certificate output style selection page. As shown in the second figure, the "print number (WEB, App input)", "column" will be displayed. The barcode (App brushing) and the "printing QR code" can be selected by the consumer according to the requirements. In this embodiment, the "printing serial number (WEB, App input) is clicked. Therefore, as shown in FIG. 2M, the redemption voucher 5 is printed, and the voucher 5 has the home voucher 51 (serial number), but if it is clicked, "print bar code ( If the app is swiped or "printed QR code", a bar code or QR code will be displayed at the location of the voucher 51.

The above operation process is to convert the bonus point data into the consumption point data, but in this embodiment, the attribution voucher 51 must be registered to be the home registration, as shown in FIG. 3A, when the WEB is to be performed. When logging in, it must be connected to the web interface 41 of the redemption platform 4 through a computer device 6. After that, the user must select an account (can input the basic information such as the mobile phone number or ID number) and the password. In this embodiment, Then, the user selects the input account number and password, and after the card number is transmitted to the member management module 11 of the member point platform 1 system for authentication, there is no problem, as shown in FIG. 3B, the serial number "2Y3H" is input. KG27", after pressing the confirmation, the redemption platform 4 will transmit the group number "2Y3H KG27" to the point management module 12, and the point management module point 12 will reply the home certificate to The redeemed consumption point data is stored in the credit account corresponding to the member account.

In addition to using the computer device 6, a smart mobile device 7 can be connected to the application software interface 42 of the redemption platform 4. As shown in FIG. 4A, the account number (mobile number or ID number) must also be selected. In the embodiment, the account number and password are used to log in to the account. In this embodiment, the account number and password are selected. After the account number and password are transmitted to the member management module 11 of the member point platform 1 for authentication, there is no problem. As shown in Figures 4B and 4C, the home registration method ("Input Serial Number", "Scan Barcode", "Scan QR Code") is selected. In this embodiment, the input number "2Y3H KG27" is also selected, but If the vouchers are barcodes or QR codes, you can also select "Scan Barcode" or "Scan QR Code" and scan the barcode or QR code with the lens of the smart mobile device 7 to complete the home operation.

In the first implementation, the redemption voucher 5 is printed mainly, and the home registration operation is completed through the redemption platform 4. However, the redemption platform 4 is not required to be used, but is directly completed by the multimedia terminal station 31. As shown in FIG. 5A, it can be seen that the multimedia terminal station 31 can directly connect with the member point platform 1, and unlike the first embodiment, as shown in FIG. 5B, the multimedia terminal device A member point platform authentication module 318 and a card reading device 319 are added to the station 31 (although in the second embodiment, the account voucher conversion module 315, the exchange voucher output module 316, and the printing operation module 317 are taken. However, this is mainly because the face-to-face picture is too complicated, but in addition to being able to connect to the member point platform authentication module 318, the member-returning module 314 in this embodiment can also connect to the home-based certificate conversion. Module 315 for printing the redemption voucher).

The front end of the operation process of the second implementation is the same as that of Figures 2A to 2J. The difference is that the member-to-home option in Figure 6A is the same as "Abandon this redemption", "Continue redemption" and "Printing redemption voucher". In addition, the "Home Card Deposit" and "Return Points to Other Members" membership options have been added. Therefore, when clicking "Return Points to Other Members", as shown in Figure 6B , it will display a member point platform certification page, after which you must input the member's basic information (mobile phone number or ID number) of the member to be transferred, and after pressing "confirm input", the multimedia terminal machine 31 Will connect to the member point platform 1, and transfer the input member basic information to the member management module 11 to search and verify whether there is a matching member account, and if there is no problem in the authentication, it will be based on the member basic The information is stored in the credit account corresponding to the member account after the redemption, and finally the message of the account confirmed to be deposited in "S225476711" is displayed in the 6C chart to inform the consumption. Success has been owned by households;

In the case of FIG. 6A, if the "Card card deposit account" is clicked, the card registered in the member account must be inserted or inserted into the card reading device 319 for the card reading device 319. The card data of the card registered in the member account is read, and the multimedia terminal station 31 is connected to the member point platform 1 and the read card data is transmitted to the member management module 11 Search and certify whether there is a matching member account. If there is no problem with the certification, the credited point data will be stored in the account corresponding to the member account based on the card information, and will be displayed in the account. A message 311 telling the consumer that the home has been successfully posted (not shown) is displayed on the screen 311.

In the above two embodiments, after the redemption of the points for consumption, the user enters the login account or swipes the card number to return to the household, but if the object is determined to be returned to the household before the exchange, it can also be as shown in Fig. 7. The bonus point query module 312 is directly connected to the member point platform authentication module 318 (although in the third implementation, the home voucher conversion module 315, the voucher output module 316, and the print job mode are displayed. The group 317 is removed, and the bonus point query module 312 is directly connected to the member point platform authentication module 318, but this is mainly for the purpose of avoiding the surface complexity is too complicated, the member returning module in this embodiment In addition to being able to connect to the member point platform authentication module 318, the 314 can also be connected to the home voucher conversion module 315 to perform the printing implementation of the redemption voucher. In addition, the display screen 311 can be directly The bonus point query module 312 is connected to the bonus point query module 312. Therefore, in addition to being able to enter the member point platform authentication page, the third embodiment can directly enter the bonus point query page by the display screen 311;

In the operation of the implementation, as shown in Figure 8A, when the consumer clicks on the "dividend" to enter the picture of Figure 8A, he can directly click on the "Members to check the zone" and then enter the member point. The number of platform authentication pages, as shown in Figures 8B and 8C, must be inserted or inserted into the card for membership verification, so cards that have been registered in the member account must be inserted or inserted into the card. On the device 319, the card data of the card registered in the member account is read by the card reading device 319, and then connected to the member point platform 1 by the multimedia terminal station 31, and the read is performed. The card data is sent to the member management module 11 to search and verify whether there is a matching member account. If there is no problem in the authentication, the user will be notified that the user has passed the membership verification as shown in FIG. 8C. The redemption method is displayed, and when "Bank Bonus to PP Points" is selected, it will enter the screen of Figure 2C for the inquiry and redemption of bonus points;

After the redemption is completed, if you directly click on the "Card-to-Account Account" in Figure 6A, the PP points (consumption points) after redemption will be directly stored in the account corresponding to the member account. In the case, there is no need to pass the card authentication again, but if the consumer wants to transfer the credited points data to other members, they must click "Return points to other members", but click After that, as described above, you must enter the member's basic information (mobile phone number or ID card number) of the member to be transferred to the home, and this embodiment can also output the printed coupon, but since the member has been logged in beforehand Therefore, the output of the printed coupon is optional, unless the exchange of the printed coupon is to be sent, but in this way, the display screen 311 directly enters the bonus point inquiry page, without first Log in to the member.

The step flow of the bank bonus point exchange method of the present invention, as shown in FIG. 9, the steps are as follows: (1) after inputting a card information of a card issued by a financial institution on a multimedia terminal machine, the multimedia terminal After the machine is connected to the bank's central control platform corresponding to the card issued by the financial institution, the machine queries and displays the bonus point data 901 of the card issued by the financial institution; (2) after that, selects on the multimedia terminal machine The bonus exchange mode, and connected to the bank's central control platform, according to the selected bonus exchange mode, the dividend information of the card issued by the financial institution is converted into the consumption point data, then the multimedia terminal is on the machine. Displaying the bonus point data and consumption point data 902 exchanged by the financial institution issuing the card; and (3) finally, selecting the method of the consumer point data to be returned to the household on the multimedia terminal machine, so as to The redeemed consumption point data is stored in the point account corresponding to the member account of the member point platform 903.

The bank bonus point exchange system and method thereof provided by the invention have the following advantages when compared with other conventional technologies: 1. The invention can combine the bonus points generated by the financial institution issuing cards with the consumption points. Application, and the dividend rate of different banks can pass different exchange rates, so that the bonus points of different banks can be directly converted into consumption points, which will make the consumer points more liberalized and redeem the commodity And improve the willingness to exchange points. 2. The invention can simplify the business of redemption and negotiation, and directly assists in finding the outlets by the store, which can save manpower for finding goods. 3. The invention can make the exchange diversified and fast, and increase the credit card value and slow down the pressure on the redemption point. In addition, the point exchange plan is more diverse and exclusive, so that consumers can enjoy exclusive health. . 4. The invention can exchange convenience for consumers, and can be offset as small as 1 yuan, and at the same time, it can reduce the pressure on the point cost of the bank, increase the card-holding rate of the point, and increase the income.

The present invention has been disclosed in the above embodiments, and is not intended to limit the present invention. Any of those skilled in the art can understand the foregoing technical features and embodiments of the present invention without departing from the invention. In the spirit and scope, the scope of patent protection of the present invention is subject to the definition of the claims attached to the present specification.

1‧‧‧Member Points Platform
11‧‧‧Member Management Module
12‧‧‧Point Management Module
2‧‧‧Bank Control Platform
21‧‧‧Dividend Point Query Module
22‧‧‧ Bonus Exchange Points Module
3‧‧‧ physical store
31‧‧‧Multimedia terminal machine
311‧‧‧ Display screen
312‧‧‧ Bonus Point Query Module
313‧‧‧ Bonus Point Redemption Module
314‧‧‧Membership module
315‧‧‧Home Voucher Conversion Module
316‧‧‧voucher output module
317‧‧‧Printing operation module
318‧‧‧Member Points Platform Certification Module
319‧‧‧ card reading device
4‧‧‧Exchange platform
41‧‧‧Web interface
42‧‧‧Application software interface
5‧‧‧vouchers
51‧‧‧Home vouchers
6‧‧‧Computer equipment
7‧‧‧Smart mobile device

[FIG. 1A] FIG. 1 is a schematic diagram showing the overall architecture of the first implementation of the bank bonus point exchange system and method of the present invention. [FIG. 1B] FIG. 1B is a schematic diagram showing the architecture of a multimedia terminal station and a bank central control platform in the first implementation of the bank bonus point exchange system and method thereof. [FIG. 1C] FIG. 1 is a schematic diagram showing the structure of a member platform and a redemption platform of the first implementation of the bank bonus point exchange system and method thereof. [Fig. 2A] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2B] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2C] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2D] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2E] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2F] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2G] is a schematic view showing the operation of the first implementation of the bank bonus point exchange system and method of the present invention. [Fig. 2H] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2I] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2J] is a schematic view showing the operation of the first implementation of the bank bonus point exchange system and method of the present invention. [Fig. 2K] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2L] is a schematic view showing the operation of the first embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 2M] is a schematic view showing the operation of the first implementation of the bank bonus point exchange system and method of the present invention. [FIG. 3A] FIG. 3 is a schematic diagram of a Web redemption implementation of the first implementation of the bank bonus point exchange system and method of the present invention. [Fig. 3B] is a schematic diagram of a web exchange implementation of the first implementation of the bank bonus point exchange system and method of the present invention. [FIG. 4A] FIG. 4 is a schematic diagram of an App redemption implementation of the first implementation of the bank bonus point exchange system and method of the present invention. [Fig. 4B] is a schematic diagram of the implementation of the redemption of the first implementation of the bank bonus point exchange system and method of the present invention. [FIG. 4C] FIG. 4 is a schematic diagram of an App redemption implementation of the first implementation of the bank bonus point exchange system and method of the present invention. [Fig. 5A] Fig. 5 is a schematic diagram showing the overall architecture of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 5B] is a schematic diagram showing the architecture of the multimedia terminal station of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 6A] Fig. 6 is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 6B] is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 6C] is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [FIG. 7] FIG. 7 is a schematic diagram showing the architecture of a multimedia terminal station of the third embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 8A] Fig. 8 is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 8B] Fig. 8 is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 8C] is a schematic view showing the operation of the second embodiment of the bank bonus point exchange system and method of the present invention. [Fig. 9] is a flow chart showing the bank bonus point exchange system and method thereof according to the present invention.

1‧‧‧Member Points Platform

2‧‧‧Bank Control Platform

3‧‧‧ physical store

31‧‧‧Multimedia terminal machine

4‧‧‧Exchange platform

5‧‧‧vouchers

Claims (23)

A bank bonus point exchange system includes: a member point platform, comprising: a member management module for establishing a member basic information as a member account, and being able to log at least one card to In the member account, a one-point account is established according to the member account; a point management module is connected to the member management module, and is configured to store at least one piece of consumption point data in the member account. In the point account, several bank central control platforms include: a bonus point inquiry module for querying the financial institution's issuance in the bank's central control platform by card information issued by a financial institution. Card bonus point data; a bonus exchange point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the bonus point data of the financial institution according to a bonus exchange mode. Redeem for consumption point data; a multimedia terminal machine with a display screen, which is set in a physical store, the multimedia terminal machine system includes : a bonus point inquiry module, which is capable of displaying at least one bonus point inquiry page on the display screen, for inputting the card information of the card issued by the financial institution, and connecting to the piece by the multimedia terminal machine After the financial institution issues the bank's central control platform corresponding to the card, the card information of the card issued by the financial institution is queried in the bank's central control platform, and the bonus point data of the card issued by the financial institution is displayed on the display. On the screen; a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen, and the bonus point redemption selection page can Displaying the option of the bonus exchange mode, and after selecting, the multimedia terminal machine is connected to the bank central control platform corresponding to the issuing card of the financial institution, and the financial institution is selected according to the selected dividend exchange mode. The bonus point data of the issued card is exchanged for consumption point data; a member returning module is associated with the bonus point redemption module Connected to display at least one member affiliation selection page on the display screen, the member affiliation selection page has at least one member affiliation option; a registrar voucher conversion module, and the member homing mode After the group is connected, the home voucher conversion module can convert the converted credit data into a home voucher, and the corresponding voucher The point data system is transmitted back to the point management module of the member point platform; a redemption voucher output module is connected with the home voucher conversion module for outputting a redemption with a home voucher a voucher file; a printing operation module connected to the voucher conversion module for printing the voucher file output by the voucher conversion module; and thereafter, being able to log in to the member point platform In the member management module, the account voucher on the voucher file is input into the point management module, and the converted point data is stored in the point account corresponding to the member account. The bank bonus point exchange system according to claim 1, wherein the home certificate can be a serial number, a code, a QR code, or a mixture of two or more thereof. The bank bonus point exchange system of claim 1, wherein the member account of the member management module can be accessed through a web interface or an application software interface, and the homepage is input on the web interface or the application software interface. The account voucher returns the account voucher data to the credit point data after the redemption by the point management module, and stores it in the credit account corresponding to the member account. The bank bonus point exchange system according to claim 3, wherein the web interface or the application software interface can input the member basic information into the member account of the point management module, and the basic information of the member is the mobile phone number or identity. Certificate number. A bank bonus point exchange system includes: a member point platform, comprising: a member management module for establishing a member basic information as a member account, and being able to log at least one card to a member account, and a number of accounts are established according to the member account; a point management module is connected to the member management module to store at least one piece of consumption point data in the member account In the point account, several bank central control platforms include: a bonus point inquiry module for querying the financial institution issuing card in the bank's central control platform by card information of a financial institution issuing a card. Dividend point data; a bonus exchange point module is connected with the bonus point inquiry module, and the bonus exchange point module can redeem the bonus point data of the financial institution issuing card according to a bonus exchange mode. For consumption point data; a multimedia terminal machine with a display screen is set in a physical store, the multimedia terminal machine system includes: a bonus point inquiry module capable of displaying at least one card data input page on the display screen for inputting the card information of the card issued by the financial institution, and connecting the multimedia terminal machine to the financial institution After issuing the bank's central control platform corresponding to the card, the card information of the card issued by the financial institution is queried in the bank's central control platform, and the bonus point data of the card issued by the financial institution is displayed on the display screen. A bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen, and the bonus point redemption selection page can display a bonus After the option of the redemption mode, and after selection, the multimedia terminal machine is connected to the bank central control platform corresponding to the issuing card of the financial institution, and the financial institution issues the card according to the selected dividend exchange mode. The bonus point data is exchanged for consumption point data; and a member returning module is linked to the bonus point redemption module The connection is used to display at least one member affiliation selection page on the display screen, and the member affiliation selection page has at least one member homing option for storing the redeemed consumption point data in a specified The number of points in the member account corresponds to the account. The bank bonus point exchange system according to claim 5, wherein the multimedia terminal machine further comprises a member point platform authentication module connected to the member affiliation module, and one of the member registration options is selected. After that, the member point platform authentication module can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for membership authentication, and is a member of the member point platform. Search for the matching member account in the management module. The bank bonus point exchange system according to claim 6, wherein the member basic information can be input in the member point platform authentication page, and after the certification is completed, the credit points after the exchange can be based on the member basic information. The data is stored in the credit account corresponding to the member account. The bank bonus point exchange system as claimed in claim 7, wherein the member basic information is a mobile phone number or an ID number. The bank bonus point exchange system of claim 6, wherein the multimedia terminal machine further comprises a card reading device connected to the member point platform authentication module, wherein the card reading device is configured to read the The card information of the card registered in the member account, and after the authentication is completed, the credited point data can be stored in the credit account corresponding to the member account according to the card information. A bank bonus point exchange system includes: a member point platform, comprising: a member management module for establishing a member basic information as a member account, and being able to log at least one card to a member account, and a number of accounts are established according to the member account; a point management module is connected to the member management module to store at least one piece of consumption point data in the member account In the point account, several bank central control platforms include: a bonus point inquiry module for querying the financial institution issuing card in the bank's central control platform by card information of a financial institution issuing a card. Dividend point data; a bonus exchange point module is connected with the bonus point inquiry module, and the bonus exchange point module can redeem the bonus point data of the financial institution issuing card according to a bonus exchange mode. For consumption point data; a multimedia terminal machine with a display screen is set in a physical store, the multimedia terminal machine system includes: A member point platform authentication module capable of displaying at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for membership authentication for member management of the member point platform The module searches for a matching member account; a bonus point inquiry module is connected with the member point platform authentication module, and after the member account is authenticated, at least one card can be displayed on the display screen. The data input page is used to input the card information of the card issued by the financial institution, and the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, and then issued by the financial institution The card information of the card is queried in the central control platform of the bank, and displays the bonus point data of the card issued by the financial institution on the display screen; a bonus point redemption module is associated with the bonus point inquiry module a connection for displaying at least one bonus point redemption selection page on the display screen, the bonus point redemption selection page can The option of the dividend redemption mode, and after selection, the multimedia terminal machine is connected to the bank central control platform corresponding to the issuing card of the financial institution, and the financial institution is selected according to the selected dividend exchange mode. The bonus point data of the issued card is exchanged for consumption point data; a member affiliation module is connected with the bonus point redemption module for displaying at least one member affiliation selection page on the display screen. The member affiliation selection page has at least one member affiliation option for storing the redeemed consumption point data in the point account corresponding to the specified member account. The bank bonus point exchange system according to claim 10, wherein the member point platform authentication module is further connected with the member affiliation module, and after selecting one of the member vesting options, the member points The platform authentication module can display at least one member point platform authentication page on the display screen, and input the member basic information in the member point platform authentication page, and after the certification is completed, the member basic information can be exchanged. The consumption point data is stored in the point account corresponding to the member account. The bank bonus point exchange system as claimed in claim 11, wherein the member basic information is a mobile phone number or an ID number. The bank bonus point exchange system of claim 10, wherein the multimedia terminal machine further comprises a card reading device connected to the member point platform authentication module, wherein the card reading device is configured to read the The card data of the card registered in the member account is used for authentication, and after selecting one of the member vesting options, the credited point data can be stored in the member account according to the card data. Points in the account. A bank dividend point exchange method, the steps of which are: after inputting a card information of a card issued by a financial institution on a multimedia terminal machine, the multimedia terminal machine is connected to the bank corresponding to the issuing card of the financial institution After controlling the platform, query and display the bonus point data of the card issued by the financial institution; then, select the bonus exchange mode on the multimedia terminal machine, and connect to the bank's central control platform to redeem according to the selected bonus. In the mode, after the dividend information of the card issued by the financial institution is converted into the consumption point data, the multimedia terminal machine displays the bonus point data and the consumption point data exchanged by the financial institution issuing the card. And finally, the method of selecting the point data to be returned to the user on the multimedia terminal machine, so as to store the converted point data of the credit in the member account of the member point platform Several accounts. The method for exchanging bank bonus points according to claim 14, wherein the multimedia terminal machine can convert the converted point data into a home certificate after completing the method of selecting the point data to be returned to the household. And then, the multimedia terminal machine prints a redemption voucher with the vouchers, and then can log in to the member account through a web interface or an application software interface, and after inputting the vouchers, The account voucher is returned as the credit point data after the redemption, and the converted credit data is stored in the credit account corresponding to the member account. The bank bonus point exchange system of claim 15, wherein the home certificate can be a serial number, a code, a QR code, or a mixture of two or more thereof. The bank bonus point exchange system of claim 15, wherein the web interface or the application software interface is capable of inputting a member basic information into the member account, and the member basic information is a mobile phone number or an ID number. The method for exchanging bank bonus points according to claim 14, wherein the method for consuming credits to be returned to the household, the basic information of the member can be input on the multimedia terminal machine to authenticate the member account, and after the authentication is completed, The credited points data after the redemption is stored in the credit account corresponding to the member account. The bank bonus point exchange method according to claim 14, wherein the consumer point data is to be returned to the household, and the card data of the card registered in the member account can be read on the multimedia terminal machine, and the card is The information is used to authenticate the member account, and after the certification is completed, the credited point data is stored in the point account corresponding to the member account. The bank bonus point exchange method according to claim 14 is capable of reading a card data of a card registered in the member account before the multimedia terminal machine, and authenticating the member account of the card data, and authenticating After the completion, the card information of the card issued by the financial institution is started. The bank bonus point exchange method according to claim 20, wherein the consumption point data is to be returned to the household, and the credited point data can be directly stored in the point account corresponding to the member account. The method for exchanging bank bonus points according to claim 20, wherein the method for consuming credits to be returned to the household can further input a member basic information on the multimedia terminal machine to perform the authentication member account, and after the certification is completed, The stored credit data of the exchange is stored in the credit account corresponding to the member account. The method for exchanging bank bonus points according to claim 18 or 22, wherein the basic information of the member is a mobile phone number or an ID number.