TW201824106A - Storage type electronic consumption method deducting a consumption amount consumed by the consumer during the consumption from the consumer account of the consumer within the account of the corresponding seller - Google Patents

Abstract

Disclosed is a storage type electronic consumption method, comprising the following steps: utilizing a card with a UID code by a consumer to become a registered consumer of a plurality of sellers, and setting a consumer account in an account of each seller; and pre-storing a certain amount of money in the consumer account. A consumption amount consumed by the consumer during the consumption is deducted from the consumer account of the consumer within the account of the corresponding seller.

Description

   Stored value electronic consumption method   

The present invention relates to a consumption method without physical currency, and more particularly to a stored-value electronic consumption method.

In order to improve the convenience of consumption and speed up the transaction, more and more people are using non-physical currency transaction methods, such as using credit cards or stored-value cards such as Youyou Card or ICASH or using third-party payment. . These different consumer transaction methods are all designed to make consumers' consumption behavior faster and easier.

Therefore, the purpose of the present invention is to provide a stored-value electronic consumption method that does not require the use of physical currency, does not require change, is quick and easy to operate, and can facilitate businesses to provide different discount ratios.

Another object of the present invention is to provide an electronic consumption method that does not require payment through a bank.

In order to achieve the above-mentioned object, the stored-value electronic consumption method of the present invention includes: Step A, using a card reading device to read a UID code in a card held by a consumer and entering a consumption amount in the card reading device After the card reading device obtains the UID code of the card, the card reading device transmits the UID code, a seller code, and the consumption amount of the consumption to a server. In step B, after receiving the UID code, the server will first confirm the identity of the consumer holding the card to determine whether the card is a registered consumer. If the consumer corresponding to the card is a registered consumer, The consumer proceeds to step C. If the consumer corresponding to the card is not a registered consumer, the server will ignore the UID code. In step C, the identity of the seller is confirmed by the seller code, and it is confirmed whether there is an account of the logged-in consumer in the account of the seller, and if there is an account of the consumer, step D is performed. Step D: Check the balance of the pre-stored amount in the consumer account in the seller's account. If the balance is greater than or equal to the current consumption amount, go to step E. If the balance is less than the current consumption amount, send a message of insufficient balance to the consumer. By. In step E, the consumption amount is deducted from the consumer's account in the seller's account, and a bonus point is generated and stored in the consumer's account at a predetermined ratio according to the consumption amount, and then step F is performed. In step F, after deducting the consumption amount, the server sends a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has completed the payment by the transaction completion message received by the receiving device.

(10) ‧‧‧Card reader

(20) ‧‧‧Card

(30) ‧‧‧Server

(40) ‧‧‧ provider of goods or services

(41) ‧‧‧Receiving device

Figure 1 is a schematic diagram of the system of the present invention.

Fig. 2 is a flowchart of the first embodiment of the present invention.

FIG. 3 is a flowchart of a second embodiment of the present invention.

Please refer to FIG. 1. The stored value electronic consumption method of the present invention uses a system including: a card reading device (10), the card reading device (10) has a function of connecting to the Internet, and the card reading device (10) It can be a general card reader or a smart phone.

A card (20), the card (20) has a set of UID code (Unique ID), for example: Youyou card or chip financial card has this function, the UID code of the card (20) can be used by the card reading device ( 10) Read.

A server (30) connected to the Internet. The server (30) has a processing unit and a memory unit. The server (30) stores a UID code corresponding to the card (20) and holds the card. Of a consumer ’s identity, such as name and address or mobile phone number.

The server (30) is set up and provided by a merchant, and the merchant is a provider who organizes and provides this stored value electronic consumption method. The server (30) can be connected to the Internet and connected with the card reading device (10) through a wired or wireless manner.

At least one seller (40) is a service or commodity provider. The seller has a receiving device (41). The receiving device (41) can be connected to the server (30) to display that the server (30) ). The seller has a corresponding seller account in the server. The seller account has at least one logged-in consumer account, and the consumer account has a pre-stored amount.

The card reading device and the receiving device may be set on the same machine, for example, using a mobile phone for reading and receiving.

Using the aforementioned system, as shown in FIG. 2, it is a schematic flowchart of the first embodiment of the present invention. The stored-value electronic consumption method of the present invention includes:

In step A, when a seller makes a purchase, the consumer uses the seller's card reader (10) to read the UID code in the card (20) held by the consumer and enters the amount of consumption in the card reader. After obtaining the UID code of the card (20), the card reading device (10) transmits the UID code, a seller code, and the amount of the consumption to the server (30).

In step B, after receiving the UID code, the server (30) will first confirm the identity of the consumer to determine whether the card is a registered consumer. If the consumer corresponding to the card is a registered consumer, Otherwise, the process proceeds to step C. If the consumer corresponding to the card is not a registered consumer, the server ignores the UID code and ends the operation. The aforementioned logged-in consumer refers to a consumer who has a consumer account registered in any seller account.

Step C: After confirming that the consumer is a logged-in consumer, the identity of the seller is confirmed by the seller code, and it is confirmed whether there is an account of the logged-in consumer in the seller's account. For the account, proceed to step D. If the consumer's account is not available, a message is sent to the consumer via a text message or communication software to inform the consumer that there is no account.

Step D: Check the balance of the pre-stored amount in the consumer account in the seller's account. If the balance is greater than or equal to the current consumption amount, go to step E. If the balance is less than the current consumption amount, send it through a text message or communication software. The message of insufficient balance is given to consumers.

In step E, the consumption amount is deducted from the consumer's account in the seller's account, and a bonus point is generated and stored in the consumer's account at a predetermined ratio according to the consumption amount, and then step F is performed.

In step F, after deducting the consumption amount, the server sends a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has completed the payment by the transaction completion message received by the receiving device.

Through the above method, the consumer can perform the general consumption payment action without using the physical currency transaction, so as to achieve the purpose of the present invention.

According to the aforementioned method, the following uses a practical example in life to describe the features and effects of the present invention in detail.

For example, a consumer A wants to buy a shoe sold by a sporting goods seller B. The shoe is sold at seller B for 1200 yuan. Consumer A reads the UID code of the YOYO card through a card reading device of seller B with his YOYO card and enters the consumption amount of 1200 yuan. After obtaining the UID code of the YOYO card, the card reading device will The UID code, the seller code, and the consumption amount of 1200 yuan are transmitted to a server.

The server then confirms the identity of the consumer after receiving the UID code, the seller code, and the purchase amount of 1200 yuan. If the consumer is confirmed to be a logged-in consumer, the seller code then confirms the seller Is the identity of Seller B, and then checks whether there is an account of Consumer A in Seller B ’s account, and then confirms the balance of Consumer A ’s account, assuming that Consumer A has an account in Seller B ’s account, and The balance of Consumer A's account is 5,000 yuan, which is greater than the 1,200 yuan of shoes purchased by Consumer A in Seller B this time, so the server will deduct the amount of the purchase from the balance of Consumer A's account 1200 yuan, at the same time, according to the amount of consumption, a bonus point is generated at a predetermined ratio. Assuming that the predetermined ratio is 10: 1, Consumer A's current consumption will generate 120 bonus points in Consumer A's account.

After that, the server sends a transaction completion message to the receiving device of the seller B, and the seller B can confirm that the consumer A has completed the payment by the transaction completion message received by the receiving device.

In the present invention, the card reading device may be a general card reader or a smart phone. The smart phone is provided with a designated APP, and the smart phone can communicate with the server for information by operating the APP. Transmission and reception. And through the APP, consumers can also know the account information, balance inquiry, the amount of consumption or the number of discounts currently being spent, that is, the consumer can know the conversion ratio between the amount of consumption and the bonus points through the APP .

In the present invention, what the seller provides is not limited to substantive goods, but it can also provide service items such as parking services in a parking lot or a SPA. Consumers can pay parking fees through the payment method provided by the present invention or Expenses of consumption.

As shown in FIG. 3, the second embodiment of the present invention is used. The stored value type electronic consumption method of the second embodiment of the present invention uses the same system as the previous embodiment. In this embodiment, the method includes:

In step A, when a seller makes a purchase, the consumer uses the seller's card reader (10) to read the UID code of the card (20) held by the consumer and enters the amount of consumption in the card reader. After obtaining the UID code of the card (20), the card reading device (10) transmits the UID code, a seller code, and the amount of the consumption to the server (30).

In step B, after receiving the UID code, the server (30) will first confirm the identity of the consumer to determine whether the card is a registered consumer. If the consumer corresponding to the card is a registered consumer, Otherwise, the process proceeds to step C. If the consumer corresponding to the card is not a registered consumer, the server will ignore the UID code and end this operation.

Step C, after confirming that the consumer is a logged-in consumer, the identity of the seller is confirmed by the seller code, and whether the consumer's account exists in the seller's account, and if the consumer's account exists, Go to step D, if there is no account of the consumer, send a message to the consumer.

Step D: Check the balance of the pre-stored amount in the consumer account in the seller's account. If the balance is greater than or equal to the current consumption amount, go to step E. If the balance is less than the current consumption amount, send a message of insufficient balance to The consumer also asks whether the consumer should use the bonus points to offset consumption. If the consumer agrees to use the bonus points to offset consumption, proceed to step G. If the consumer does not agree, the consumption ends.

In step E, the consumption amount is deducted from the consumer's account in the seller's account, and a bonus point is generated and stored in the consumer's account at a predetermined ratio according to the consumption amount, and then step F is performed.

In step F, after deducting the consumption amount, the server sends a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has completed the payment by the transaction completion message received by the receiving device.

Step G: Query the points of the bonus points in the account owned by the consumer in each seller's account, and transmit the data to the handheld device of the consumer, and then proceed to step H.

In step H, the consumer selects the seller to deduct the bonus points and the bonus points to be deducted, and after the bonus points are deducted, the balance of the bonus points is displayed on the consumer's handheld device.

In step I, after deducting the points of the bonus points, the remaining amount payable is displayed on the card reading device.

In step J, the remaining payable amount and the remaining bonus points are deducted from the account of the consumer in the seller's account.

In step K, after deducting the remaining payable amount, the server sends a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has completed the payment by the transaction completion message received by the receiving device.

The second embodiment of the present invention is different from the first embodiment in that a step of selecting a bonus point discount is added in this embodiment. Consumers accumulate bonus points when they consume. These bonus points can be used as The amount used for cash can be deducted from consumption, and the bonus points accumulated by consumers in different seller accounts can be used for interoperability.

According to the method of the second embodiment of the present invention described above, the features and effects of the present invention will be described in detail with an example of actual operation in life.

For example, a consumer A wants to buy a shoe sold by a sporting goods seller B. The shoe is sold at seller B for 1200 yuan. Consumer A reads the UID code of the YOYO card through a card reading device of seller B with his YOYO card and enters the consumption amount of 1200 yuan. After obtaining the UID code of the YOYO card, the card reading device will The UID code, the seller code, and the consumption amount of 1200 yuan are transmitted to a server.

The server then confirms the identity of the consumer after receiving the UID code, the seller code, and the purchase amount of 1200 yuan. If the consumer is confirmed to be a logged-in consumer, the seller code then confirms the seller Is the identity of Seller B, and then checks whether there is an account of Consumer A in Seller B ’s account, and then confirms the balance of Consumer A ’s account, assuming that Consumer A has an account in Seller B ’s account, and The balance of Consumer A's account is 700 yuan, which is less than the 1,200 yuan of sneakers purchased by Consumer A in Seller B this time, so the server will send a message of insufficient balance to the consumer and ask the consumer whether to use the bonus product. Credit for consumption.

If Consumer A agrees to use the bonus points to offset the consumption amount, the server will list the bonus points that the consumer has accumulated in each seller's account. For example, if the sellers of Consumer A have accounts, There are some bonus points accumulated in the account, for example, 50 points in seller C, 30 points in seller D, 850 points in seller E, 600 points in seller, and then consumer A chooses to use the seller's 600 points Bonus points will be used to offset this time consumption, so Consumer A ’s purchase of sneakers this time will be 1200 yuan. After deducting the seller ’s 600 points, the remaining payable amount will be 600 yuan. As a result, consumption The balance of person A in Seller B's account of 700 is enough to pay the remaining amount of 600 due, and the server will deduct the remaining amount of 600 yuan from Consumer A's account of Seller B.

After deducting the remaining payable amount, the server will send a transaction completion message to the receiving device of the seller B, and the seller B can confirm that the payment by the consumer A has been completed by the transaction completion message received by the receiving device.

In this embodiment, the deduction ratio of the bonus points to cash can be set by the merchant or sellers according to their own promotional needs or sales activities.

Through the method of the present invention, consumers can use a card with a UID as a membership card for multiple sellers, and use it at many different sellers at the same time, and can accumulate bonus points generated by consumption, and these bonus points can Being used as cash and circulating among sellers can further save consumer spending.

Claims (7)

    A stored-value electronic consumption method includes: Step A, using a card reading device to read a UID code in a card held by a consumer and entering a consumption amount into the card reading device, the card reading device is obtaining After the UID code of the card, the UID code, a seller code, and the amount of the consumption are transmitted to a server; step B, the server will first perform the card holding consumer after receiving the UID code Confirm the identity to determine whether the card is a registered consumer. If the consumer corresponding to the card is a registered consumer, go to step C. If the consumer corresponding to the card is not a registered consumer, then The server will ignore the UID code; step C, the seller code confirms the identity of the seller, and confirms whether there is an account of the logged-in consumer in the seller's account; if there is an account of the consumer, go to step D Step D, check the balance of the pre-stored amount in the consumer account in the seller's account, if the balance is greater than or equal to the current consumption amount, go to step E, if the balance is less than the current consumption amount, issue a insufficient balance To the consumer; step E, deduct the consumption amount from the consumer's account in the seller's account, and generate a bonus point according to the consumption amount in a predetermined proportion and store it in the consumer's account, and then proceed Step F; Step F, after deducting the consumption amount, the server will send a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has completed the payment by the transaction completion message received by the receiving device; The aforementioned logged-in consumer refers to a consumer who has a consumer account registered in any seller account.         The stored value electronic consumption method according to item 1 of the scope of patent application, wherein the deduction ratio of the bonus points to cash can be customized by the merchant or each seller.         The stored-value type electronic consumption method according to item 1 of the scope of patent application, wherein the card reading device and the receiving device are arranged on the same machine.         The stored value electronic consumption method according to item 1 of the scope of patent application, wherein step D further includes sending a message of insufficient balance to the consumer if the balance is less than the current consumption amount and asking the consumer whether to use the bonus points to offset For consumption, if the consumer agrees to use the bonus points to offset consumption, proceed to step G; if the consumer does not agree, consumption ends.         The stored-value electronic consumption method according to item 4 of the scope of patent application, which further includes: Step G, querying the points of the bonus points in the account owned by the consumer in each seller's account, and transmitting the data to The consumer ’s handheld device, then proceed to step H; step H, the consumer selects the seller to deduct the bonus points and the bonus points to be deducted. After the bonus points are deducted, the balance of the bonus points is displayed On the consumer ’s handheld device; Step I, after deducting the points of the bonus points, display the remaining amount payable on the card reading device; Step J, then deduct the remaining amount from the consumer ’s account in the seller ’s account Payable amount; Step K, after deducting the remaining payable amount, the server will send a transaction completion message to the seller's receiving device, and the seller can confirm that the consumer has received the transaction completion message received by the receiving device Finish paying.         The stored value electronic consumption method according to item 5 of the scope of patent application, wherein the deductible ratio of the bonus points to cash can be customized by the merchant or each seller.         The stored-value type electronic consumption method according to item 5 of the patent application scope, wherein the card reading device and the receiving device are arranged on the same machine.