TW201939396A - Member virtual account system and method - Google Patents

Abstract

The present disclosure provides a member virtual account system that includes steps as follows. The server collects deposits and bonus points of a membership account. When the server receives a payment request from a remote device, the server completes the payment operation according to the payment request by using at least one of the deposits and the bonus points.

Description

Member virtual account system and method

The present invention relates to a system and method, and in particular to a system and method for member virtual account.

Consumption, sometimes commonly known as spending money or buying things, is peculiar to human society and refers to the purchase of tangible or intangible goods or services through money and the satisfaction of personal desires. Human consumption activities may be whim (for example: people pass by restaurants and stir up appetite), or they may be accustomed to certain consumption (for example: some families buy newspapers every day).

However, with the diversification of consumption methods (such as: pre-purchase, gift coupons) and the variety of benefits (such as bonuses) derived from it, it has become difficult for some consumers to adapt to such a complex model, and it is not easy for stores to manage their operations.

The invention proposes a member virtual account system and method, which improves the problems of the prior art.

In an embodiment of the present invention, the member virtual account system provided by the present invention includes a server, and the server includes a storage device and a network device. Place with processor. The storage device aggregates the deposit amount and bonus points of the member account. The network device receives a payment request from a remote device. The processor uses at least one of the deposited amount and the bonus point to perform the payment operation according to the payment request.

In an embodiment of the present invention, the deposited amount includes at least one of an electronic gift certificate, a gift certificate balance, a change balance, and a pre-sale resale amount of the product.

In an embodiment of the present invention, the bonus points include at least one of member points and bank bonus points.

In an embodiment of the present invention, the remote device includes at least one of a cash register device or a user device.

In an embodiment of the present invention, the server receives the rebate request from the remote device, and the server transfers at least a part of the deposited amount or bonus points of the member account to another member account according to the rebate request.

In an embodiment of the present invention, the virtual account membership method provided by the present invention includes the following steps: reconciling the deposit amount and bonus points of the member account through a server; when the server receives a payment request from a remote device, The server uses at least one of the deposited amount and the bonus point to perform the payment operation according to the payment request.

In an embodiment of the present invention, the deposited amount includes at least one of an electronic gift certificate, a gift certificate balance, a change balance, and a pre-sale resale amount of the product.

In an embodiment of the present invention, the bonus points include at least one of member points and bank bonus points.

In an embodiment of the present invention, the remote device includes at least one of a cash register device or a user device.

In an embodiment of the present invention, the method of virtual account membership is more Including: when the server receives the rebate request from the remote device, at least a part of the deposited amount or bonus points of the member account is transferred to another member account through the server 110 according to the rebate request.

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the prior art. With the technical solution of the present invention, the server has established a member account settlement platform to automatically help members to clear balances / bonus, and the store is also very convenient in management.

The above description will be described in detail in the following embodiments, and further explanation will be provided for the technical solution of the present invention.

In order to make the above and other objects, features, advantages, and embodiments of the present invention more comprehensible, the description of the attached symbols is as follows:

100‧‧‧member virtual account system

110‧‧‧Server

111‧‧‧Storage device

112‧‧‧Network Device

113‧‧‧ processor

120‧‧‧user device

150‧‧‧Internet

200‧‧‧Member Virtual Account Method

S201 ~ S202‧‧‧step

In order to make the above and other objects, features, advantages, and embodiments of the present invention more comprehensible, the description of the drawings is as follows: FIG. 1 is a block diagram of a member virtual account system according to an embodiment of the present invention; And FIG. 2 is a flowchart of a method for a member virtual account according to an embodiment of the present invention.

In order to make the description of the present invention more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps have not been described in the embodiments, so as to avoid unnecessary limitation to the present invention.

In the scope of implementation and patent application, "electrical connection" is involved The description can refer to that one element is indirectly electrically coupled to another element through other elements, or that an element is directly and electrically connected to another element without passing through other elements.

In the embodiments and the scope of the patent application, the description related to "connection" can refer to a component indirectly wired and / or wireless communication with another component through other components, or a component does not need to pass through other components and is physically Connect to another component.

In the embodiments and the scope of patent application, unless there is a special limitation on the article in the text, "a" and "the" can refer to a single or plural.

As used in this article, "about," "approximately," or "roughly" is used to modify any quantity that can vary slightly, but such slight changes do not change its essence. Unless otherwise specified in the embodiments, the error range of the value modified by "about", "approximately" or "approximately" is generally allowed within 20%, preferably 10% Within, and more preferably within five percent.

FIG. 1 is a block diagram of a member virtual account system 100 according to an embodiment of the present invention. As shown in FIG. 1, the member virtual account system 100 includes a server 110 and a remote device 120. In architecture, the server 110 communicates with the remote device 120 through a network 150 (such as a wired or wireless network).

In an embodiment of the present invention, the remote device 120 may be a cash register device, a user device, or other electronic devices. The user device may be a mobile device, a personal computer, etc.

In FIG. 1, the server 110 includes a storage device 111 and a network. 路 装置 112 and processor 113. For example, the storage device 111 may be a flash memory, a hard disk, or other storage medium, the network device 112 may be a network card, and the processor 113 may be a central processing unit or other circuits.

During use, the storage device 111 aggregates the deposited amount and bonus points of the member account. In an embodiment of the present invention, the deposited amount may be an electronic gift certificate, a gift certificate balance, a change balance, a pre-sale resale amount of the product, and / or other amounts.

For example, if the user uses a paper gift voucher at the store, the clerk can use the barcode scanner of the cash register device to scan the gift certificate bar code on the paper gift voucher and the membership bar code presented by the user ’s user device to execute the mobile application. 110 Automatically deposit the amount of the paper gift certificate as an electronic gift certificate into a member account corresponding to the member barcode.

If the user goes to the store to use a paper gift voucher or electronic gift voucher, if the cash register determines that there is a balance after the checkout, the store clerk can use the barcode scanner of the cash register to scan the user's user device to execute the membership bar code presented by the mobile application , The server 110 automatically deposits the gift certificate balance into a member account corresponding to the member barcode.

If the user uses the cash at the store to make a purchase, and if the change is still needed after the checkout of the cash register device, the clerk can use the barcode scanner of the cash register device to scan the user's user device to execute the membership bar code presented by the mobile application. Server 110 The change balance is automatically deposited into the member account corresponding to the member barcode.

In addition, the storage device 111 of the server 110 stores the date information of various types of products. When the processor 113 of the server 110 periodically checks the various types of products When it is determined that the pre-purchased products of the member account have been removed from the shelf, the server 110 automatically converts the pre-sold products that have been removed from the shelf into an equivalent shopping gold and deposits them into the member account.

On the other hand, in an embodiment of the present invention, the bonus points may be member points, bank bonus points, and / or other points.

For example, if a user makes a purchase at a store, if a bar code scanner scans the user ’s user device to execute the membership bar code presented by the mobile application when the cash register device checks out, the server 110 automatically accumulates members for the member account based on the consumption amount Points.

If the user swipes the card at the store for consumption, if the bar code scanner scans the user's user device to execute the membership bar code presented by the mobile application during the checkout of the cash register device, the server 110 automatically obtains authorization from the bank host. The credit card amount is used to calculate the bank bonus points, and the server 110 further transfers the bank bonus points into the member account.

If the user goes to the store to pay for goods through the cash register device or perform online payment through the mobile device's mobile application, the network device 112 of the server 110 receives the corresponding payment request from the remote device 120 (eg, cash register device, user device) . The processor 113 performs a payment operation using at least one of the deposited amount and the bonus point according to the payment request.

On the other hand, in an embodiment of the present invention, if the user wants to give at least a part of his deposit amount or bonus points to others, the user may send a rebate request to Server 110, server 110 receives a rebate request from a remote device 120 (eg, a user device), and server 110 receives the bonus of the member account according to the rebate request At least part of the points are transferred to another member account.

In order to further explain the operation method of the above member virtual account system, please refer to FIGS. 1 to 2 at the same time. FIG. 2 is a flowchart of a member virtual account method 200 according to an embodiment of the present invention. As shown in FIG. 2, the member virtual account method 200 includes steps S201 to S202 (it should be understood that the steps mentioned in this embodiment can be adjusted according to actual needs, except for those specifically described in their order. Sequential, even simultaneous or partially simultaneous).

In step S201, the deposited amount and bonus points of the member account are aggregated through the server 110.

In step S202, when the server 110 receives a payment request from the remote device 120, the server 110 performs a payment operation by using at least one of the deposited amount and the bonus point according to the payment request.

In the member virtual account method 200, the deposited amount includes at least one of an electronic gift certificate, a gift certificate balance, a change balance, and a pre-sale resale amount of the product.

In the member virtual account method 200, the bonus points include at least one of the member points and the bank bonus points.

In the member virtual account method 200, the remote device 120 includes at least one of a cash register device or a user device.

In the member virtual account method 200, when the server 110 receives a rebate request from the remote device 120, the server 110 transfers at least a part of the deposited amount or bonus points of the member account to another member account according to the rebate request. .

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the prior art. With the technical solution of the present invention, the server 110 has established a member account clearing platform to automatically help members clear balances / bonus, and the store is also very convenient in management.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any person skilled in the art can make various modifications and retouches without departing from the spirit and scope of the present invention. Therefore, the protection of the present invention The scope shall be determined by the scope of the attached patent application.

Claims (10)

A member virtual account system includes: a server including: a storage device that aggregates a deposit amount and a bonus point of a member account; a network device that receives a payment request from a remote device; and a The processor performs a payment operation by using at least one of the deposited amount and the bonus point according to the payment request. The virtual account system for members according to claim 1, wherein the deposited amount includes at least one of an electronic gift certificate, a gift certificate balance, a change balance, and a pre-sale resale amount of the product. The member virtual account system according to claim 1, wherein the bonus point includes at least one of a member point and a bank bonus point. The member virtual account system according to claim 1, wherein the remote device includes at least one of a cash register device or a user device. The virtual account system of the member as described in claim 4, wherein the server receives a rebate request from the remote device, and the server receives at least one of the deposited amount or the bonus point of the member account according to the rebate request. Partial transfer to another member account. A member virtual account method includes: reconciling a deposit amount and a bonus point of a member account through a server; and when the server receives a payment request from a remote device, the server uses the server to pay according to the payment Request that a payment operation be performed using at least one of the deposited amount and the bonus point. The virtual account membership method according to claim 6, wherein the bonus point includes at least one of a member point and a bank bonus point. The virtual account membership method according to claim 6, wherein the bonus point includes at least one of a member point and a bank bonus point. The virtual account membership method according to claim 6, wherein the remote device includes at least one of a cash register device or a user device. The virtual account membership method described in claim 9, further comprising: when the server receives a rebroadcast request from the remote device, via the server, the server deposits the member account ’s deposit amount in accordance with the rebate request Or at least a part of the bonus points are transferred to another member account.