TW202014954A - Trade-in allowance discount of credit card bonus point management method and system applied in credit card transaction having the point management server to update the accumulated bonus points of the corresponding credit card and return the deduction point result, and store the bonus trade-in allowance discount transaction record - Google Patents

Abstract

In a credit card bonus point management method and system, a point management server obtains the trial calculation results of deductible points, deduction amount of trade-in allowance discount, and a net amount of credit card consumption based on the bonus trade-in allowance discount transaction data from a front-end authorized server, stored bonus point data, and the bonus trade-in allowance discount specification data. The front-end authorization server sends an authorization request containing the trial calculation result, credit card number, and transaction amount to a credit card issuer, and sends a point deduction notice to the point management server when a successful authorization reply is received, so that the point management server updates the accumulated bonus points of the corresponding credit card and returns the deduction point result, and stores the bonus trade-in allowance discount transaction record generated according to the credit card information, the deduction point result, the transaction amount, the net amount of credit card consumption, and the deduction amount of trade-in allowance discount.

Description

Credit card bonus point credit method and system for credit card transactions

The invention relates to credit card bonus points, in particular to a credit card bonus point credit method and system for credit card transactions.

In order to provide diversified payment methods to attract consumers to consume, existing physical or virtual stores usually allow consumers to use a specific credit card bonus point to offset part of the transaction when the consumer pays for the transaction After the amount (ie, the credit amount), the remaining amount of the transaction amount (ie, the actual amount) is paid by swiping the card.

An existing credit card bonus discount system includes a front-end server and a point management server provided by a banking institution that is both an acquirer and a card issuer. When the front-end server receives transaction data from, for example, a credit card terminal provided by the banking institution to a physical special store and is related to a bonus credit transaction for a specific credit card issued by the card issuer, the front-end server The device sends the transaction data to the point management server, so that the point management server calculates the corresponding to the transaction amount contained in the transaction data and the accumulated bonus data of an application customer corresponding to the specific credit card The actual amount of the bonus discount transaction. After that, the point management server transmits the paid amount to the front-end system. Therefore, the front-end server transmits an authorization request indicating the amount of credit card swiping (ie, the amount actually paid) and the specific credit card to a credit card authorization system, so that the credit card authorization system performs the authorization related to the authorization in a known manner Request processing. When the front-end server receives the authorization result from the credit card authorization system, the front-end server authorizes the authorization amount (ie, the actual payment amount) included in the authorization result, and the transaction amount corresponding to the bonus discount transaction And the data such as the identity of the applying customer are sent to the point management system, so that the point management server updates the accumulated bonus data corresponding to the applying customer according to the authorized amount, the transaction amount, and the identity of the applying customer.

However, the above-mentioned existing credit card bonus discount system only provides credit card bonus discount services for credit card transactions that occur at the special store of the acquiring institution (also the card issuer) when paying by credit card. In other words, for credit card transactions of special stores of other acquiring institutions (not the card issuer), this existing credit card bonus discount system cannot provide credit card bonus discount services, so its applicable stores, regions, and even countries are obviously Restricted. In addition, since the actual credit card amount (that is, the actual payment amount) under this credit card bonus discount service is less than the transaction amount (that is, the credit amount is less), the acquirer The service fee charged is relatively short.

Therefore, there is still room for improvement in the existing credit card bonus discount system.

Therefore, the purpose of the present invention is to provide a credit card bonus point credit method and system for credit card transactions, which can overcome at least one disadvantage of the prior art.

Therefore, the present invention provides a credit card bonus point credit method for credit card transactions, which is implemented using a credit card bonus point credit system. The credit card bonus point discount system includes a front-end authorization server and a point management server connected to the front-end authorization server. The credit card bonus point discount method includes the following steps: through the front-end authorization server, store the bonus discount customer information and multiple historical bonus discount transaction records corresponding to multiple historical bonus discount transactions, the bonus discount The customer data includes a plurality of reference identification codes that are different from each other and correspond to a plurality of different bonus discount customers, and at least one credit card number corresponding to each reference identification code; the point management server stores Contains multiple bonus point data corresponding to the accumulated bonus points of the credit card of these bonus customers, and bonus discount specification data related to multiple types of bonus points; the front-end authorization server receives After a credit card transaction request related to a credit card issued by a card issuer to an application customer and containing the card number and transaction amount of the credit card, it is determined that the card number exists in the stored bonus deduction customer information , Change the credit card transaction to a bonus discount transaction, and send the bonus discount transaction data corresponding to the bonus discount transaction, including the card number and the transaction amount, to the point management server; by the point The data management server, based on the bonus discount transaction data received from the front-end authorized server and the stored bonus point data and the bonus discount specification data, obtains a corresponding to the bonus discount transaction and includes a Deduction points, the deductible points corresponding to the deductible points, and the trial results of the net credit card amount, and send the trial results to the front-end authorization server; the front-end authorization server receives When the trial calculation result from the point management server, an authorization request corresponding to the bonus discount transaction and containing the trial calculation result, the card number and the transaction amount is sent to a credit card server provided by the card issuer Through the front-end authorization server, upon receiving a successful authorization response from the credit card server and responding to the authorization request, a deduction notice corresponding to the bonus discount transaction is sent to the point management server ; Through the point management server, in response to the deduction point notification from the front-end authorization server, the remaining points after deducting the deductible points for the accumulated credit points of the credit card corresponding to the applying customer As the updated credit card accumulated bonus points, and send a deduction result including the updated credit card accumulated bonus points corresponding to the applying customer and the deduction points equal to the deductible points to the credit card A front-end authorization server; and the front-end authorization server generates a correspondence based on the credit card information, the deduction result received from the point management server, the transaction amount, the net credit card amount and the credit amount The bonus discount transaction record in the bonus discount transaction, and store the bonus discount transaction record as a new historical bonus discount transaction record.

Therefore, a credit card bonus point credit system for credit card transactions of the present invention includes a front-end authorization server and a point management server connected to the front-end authorization server.

The front-end authorization server includes a first storage module and a first processing module electrically connected to the first storage module. The first storage module stores dividend discount customer data and multiple historical dividend discount transaction records respectively corresponding to multiple historical bonus discount transactions. The dividend discount customer data includes multiple different and corresponding to multiple A different bonus is used to offset the customer's reference identification code and at least one credit card number corresponding to each reference identification code.

The point management server includes a second storage module and an electrical connection to the second storage module. The second storage module stores bonus point data including a plurality of bonus point points corresponding to the credit card credit points of the bonus point customers, and bonus point specification data related to multiple bonus point types.

When the front-end authorization server receives a credit card transaction request related to a credit card issued by a card issuer to an application customer and includes the credit card number and transaction amount of the credit card transaction, the first processing module determines When the card number exists in the bonus credit customer data stored in the first storage module, the credit card transaction is changed to a bonus discount transaction, and will correspond to the bonus discount transaction and include the card number and the transaction The amount of bonus discount transaction data is sent to the point management server.

When the point management server receives the bonus discount transaction data from the front-end authorization server, the second processing module according to the bonus discount transaction data and the bonus point stored by the second storage module Data and the bonus discount specification data, obtain a trial calculation result corresponding to the bonus discount transaction and including a deductible point, the deductible amount corresponding to the deductible point and the net credit card amount, and Send the trial calculation result to the front-end authorization server.

When the front-end authorization server receives the trial calculation result from the point management server, the first processing module authorizes an authorization corresponding to the bonus discount transaction and including the trial calculation result, the card number and the transaction amount The request is sent to a credit card server provided by the card issuer.

When the front-end authorization server receives a successful authorization response from the credit card server and responds to the authorization request, it sends a deduction notice corresponding to the bonus discount transaction to the point management server.

In response to the deduction point notification from the front-end authorization server, the second processing module deducts the deductible points for the accumulated credit points of the credit card corresponding to the application customer as the updated points The credit card accumulates bonus points, and sends a deducted result including the updated credit card accumulated bonus points corresponding to the applying customer and the deductible points equal to the deductible points to the front-end authorization server .

When the front-end authorization server receives the deduction result from the point management server, the first processing module at least according to the credit card information, the deduction result, the transaction amount, the net credit card amount and the discount The credit amount generates a bonus discount transaction record corresponding to the bonus discount transaction, and stores the bonus discount transaction record in the first storage module as a new historical bonus discount transaction record.

The effect of the present invention is that the credit card bonus system can provide credit card bonus discounts for any credit card transactions that occur at the same physical store, online virtual store or sales channel of the same or different acquiring institution. The credit service can greatly expand the shops, regions and even countries where this credit card bonus discount service is applicable. In addition, for credit card transactions that occur in special stores, because the amount of the credit card transaction is the transaction amount, the special store not only does not need to ask the credit card customer in advance whether to use credit card bonus points, but also the acquirer The service fee charged by the store is proportional to the amount of the credit card transaction, so it will not cause the service fee of the acquiring institution to be relatively short because the credit card customer uses the credit card to redeem the service.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numbers.

Referring to FIG. 1, an embodiment of a credit card bonus credit system 100 for credit card transactions of the present invention includes a front-end authorization server 1 and a point management server 2 connected to the front-end authorization server. It should be noted that the credit card transactions applicable to the credit card bonus point credit system 100 are not limited to credit card transactions issued by a single card issuer (such as a card issuing bank), but can also be credit cards of credit cards issued by different card issuers transaction.

The front-end authorization server 1 includes a first storage module 11 and a first processing module 12 electrically connected to the first storage module 11. The first storage module 11 stores the bonus discount customer data D11 and a plurality of historical bonus discount transaction records R corresponding to multiple historical bonus discount transactions, respectively. The bonus discount customer data D11 includes a plurality of reference identification codes different from each other and corresponding to a plurality of different bonus discount customers, respectively, and at least one credit card number corresponding to each reference identification code. Each historical bonus discount transaction record R can be stored in the form of a file and can contain at least the credit card information, deduction result, transaction amount, net credit card amount and discount amount related to a corresponding historical bonus discount transaction, but Not limited to this. In this embodiment, these bonus credit customers can be the customers of credit card applications issued by a single card issuer or different card issuers. Among them, customers who have set to use the bonus point credit service, therefore, the bonus credit customer information D11 can be updated accordingly if the bonus discount customers change the setting of whether to use the bonus points discount service.

The point management server 2 includes a second storage module 21 and a second processing module 22 electrically connected to the second storage module 21. The second storage module 21 stores bonus point data D21 and bonus discount specification data D22. The bonus point data D21 contains a plurality of accumulated bonus points of credit cards corresponding to these bonus points to customers. The bonus discount specification data D22 contains multiple bonus discount specifications that are respectively related to multiple bonus discount types. For example, the bonus discount specifications may include a bonus discount specification that corresponds to one bonus discount category and defines 30 points to 1 yuan, and one corresponds to another bonus discount category and defines 20 points The bonus can be reduced to 1 yuan, but not limited to this example.

In the following, with reference to FIG. 1 and FIG. 2, for example, in this embodiment, for example, when the front-end authorization server 1 receives a credit card transaction request, how the credit card bonus point discount system 100 combines with a credit card server 200 to perform a The credit card transaction program corresponding to the credit card transaction request. In this embodiment, the credit card request can be sent from a credit card institution (for example, Visa or Mastercard International Organization or Union Credit Card Processing Center (NCCC)) or an acquiring institution (for example, a An external server (not shown) provided by the acquiring bank, and related to a credit card transaction issued by a card issuer (for example, a card issuing bank) to a credit card of an application customer, and the credit card transaction may occur on The physical special store, online virtual store or sales channel related to the acquiring institution. It should be noted that the credit card server 200 is provided by the card issuer and can be connected to the front-end authorization server 1 via a communication network (not shown), and can use, for example, the IBM Cardlink system to support integrated payment card management Services, but not limited to this. In this embodiment, the credit card transaction request may include at least the card number and transaction amount of the credit card, but not limited to this. The credit card transaction program includes the following steps S201-S211.

First, in step S201, the first processing module 12 of the front-end authorization server 1 determines whether the card number exists in the bonus discount customer data D11 stored in the first storage module 11. If the first processing module 12 determines that the card number exists in the bonus credit customer data D11 (that is, the applying customer has preset to use the bonus point discount service), the process proceeds to step S202. Conversely, if the first processing module 12 determines that the card number does not exist in the bonus credit customer data D11 (that is, the applying customer has not set to use the bonus point discount service), the process will proceed Step S209.

In step S202, the first processing module 12 changes the credit card transaction to a bonus discount transaction, and transmits the bonus discount transaction data corresponding to the bonus discount transaction to the point management server 2. In this embodiment, the bonus discount transaction data may include at least the card number and the transaction amount, but not limited to this.

Next, in step S203, when the point management server 2 receives the bonus discount transaction data from the front-end authorization server 1, the second processing module 22 according to the bonus discount transaction data, and the The bonus point data D21 and the bonus discount specification data D22 stored in the second storage module 21 obtain a trial calculation result corresponding to the bonus discount transaction, and send the trial calculation result to the front-end authorization server 1 . It should be noted that the trial calculation result may include a deductible point, a deductible amount corresponding to the deductible point and a net credit card amount, but not limited to this. For example, if the credit deduction specification corresponding to the credit card is 20 points to 1 yuan, the cumulative credit point of the credit card corresponding to the card number is 8,500 points, and the transaction amount is 1,000 yuan, the trial calculation result includes The deductible points, the deductible amount and the net credit card amount are 8000 points, 400 yuan and 600 yuan respectively.

Then, in step S204, when the front-end authorization server 1 receives the trial calculation result from the point management server 2, the first processing module 12 transmits an authorization request corresponding to the bonus discount transaction To the credit card server 200. In this embodiment, the authorization request may include at least the trial calculation result, the card number and the transaction amount, but not limited to this.

Then, in step S205, after receiving the authorization request from the front-end authorization server 1, the credit card server 200 successfully determines that the net amount of the card swiping included in the authorization request conforms to the credit limit of the applying customer , Send a successful authorization response in response to the authorization request to the front-end authorization server 1. In addition, the credit card 200 can further store all data related to the authorization request, that is, the reply to the successful authorization. Since the authorization process of the credit card server 200 is understood by those skilled in the art and is not a feature of the present invention, the relevant details are omitted here and will not be repeated here.

Afterwards, in step S206, the front-end authorization server 1 sends a deduction notice corresponding to the bonus discount transaction to the point management server 2 when receiving the successful authorization reply from the credit card server 200 .

Then, in step S207, the second processing module 22 of the point management server 2 responds to the deduction notification from the front-end authorization server 1 and will accumulate bonus points corresponding to the credit card of the applying customer The remaining points after deducting the deductible points are used as the updated credit card accumulated bonus points, and a deduction point result is sent to the front-end authorization server 1. In this embodiment, the deduction result includes the updated credit point of the credit card corresponding to the applying customer and the deduction point equal to the deductible point. For example, if the previous example is followed, the accumulated credit points and the deduction points of the credit card of the applying customer included in the deduction result are 500 (=8500-8000) points and 8000 points, respectively.

Then, in step S208, the first processing module 12 of the front-end authorization server 1 receives the deduction result, the transaction amount, the net card amount and the credit card management server 1 received from the points according to the credit card information The discount amount generates a bonus discount transaction record corresponding to the bonus discount transaction, and stores the bonus discount transaction record in the first storage module 11 as a new historical bonus discount transaction record R.

On the other hand, when the first processing module 12 of the front-end authorization server 1 determines in step S201 that the card number does not exist in the bonus credit customer data D11, the credit card transaction can be regarded as not using bonus points Credit card transactions for discount services. In this case, the first processing module 12 transmits the credit card transaction request to the credit card server 200 (step S209).

Therefore, following step S210 in step S209, the credit card server 200 performs authorization processing related to the transaction amount according to the credit card transaction request received from the front-end authorization server 1 and successfully determines the credit card transaction request When the included transaction amount meets the credit limit of the applying customer, a successful authorization response is sent to the front-end authorization server 1 in response to the credit card transaction request.

In addition, following step S205 and step S210 following step S211, the first processing module 12 of the front-end authorization server 1 responds to the credit card transaction after receiving the successful authorization reply from the credit card server 200 Upon request, a transaction corresponding to the credit card transaction and containing the same amount of the contract as the transaction amount is successfully returned to the external server.

At this point, the credit card transaction procedure is completed. It is worth noting that the above steps S201-S204, S206-S208, and S211 can jointly implement the embodiment of the credit card bonus point credit method of the present invention at the transaction stage.

In addition, it should still be noted that, in practical applications, the credit card bonus point credit system 100 can be implemented as a service party independent of the acquiring institution and the card issuer, so the credit card bonus point credit system 100 Credit card bonus points can be provided to different acquirers and card issuers. Or, when the acquiring institution and the card issuing institution are the same banking institution, both the front-end authorization server 1 and the point management server 2 may be provided by the banking institution, that is, the credit card bonus points are discounted The arrival system 100 may be implemented as an internal system of the banking institution. Or, in order to facilitate data maintenance and update, the point management server 2 may be provided by the card issuer.

The following illustrates an example in conjunction with FIGS. 1 and 3 in this embodiment, for example, when the front-end authorization server 1 receives an external server (not shown) provided by, for example, an acquirer and is related to a historical credit card transaction During the clearing notification, how does the front-end authorization server 1 combine with a credit card server 200' related to the historical credit card transaction to perform a clearing process corresponding to the clearing notification. In this embodiment, the clearing notice may include the amount of the historical credit card transaction (ie, the amount requested). The liquidation procedure includes the following steps S301 to S306.

First, in step S301, the first processing module 12 of the front-end authorization server 1 determines, by executing, for example, a comparison program, the historical dividends stored in the first storage module 11 to offset the transaction record R Whether there is a record of historical dividend discount transactions matching the historical credit card transaction. If the determination result is positive, the flow proceeds to step S302, otherwise, the flow proceeds to step S304. More specifically, if the first processing module 12 determines that there is a historical dividend discount transaction record R matching the historical credit card transaction in the historical dividend discount transaction record R, this means the historical credit card The transaction is a bonus discount transaction. Conversely, if the first processing module 12 determines that there is no historical dividend credit transaction record matching the historical credit card transaction, the historical credit card transaction For general credit card transactions.

In step S302, the first processing module 12 sends a request for payment that includes the matching historical bonus discount transaction record R to the credit card server 200'.

Then, in step S303, after receiving the request for payment from the front-end authorization server 1, the credit card server 200' completes the transaction for the historical credit card transaction according to the matching historical bonus discount transaction record R In the payment processing of the acquiring institution, a successful payment reply is sent to the front-end authorization server 1 in response to the request for payment. It should be noted that, because this historical credit card transaction is a bonus discount transaction, in the payment processing, the historical bonus credit transaction record R contains the deduction amount and the net credit card (the sum of the two is The signed amount) will be paid by the card issuer to the acquirer. After that, the card issuer will send the credit card bill of the net credit card to the relevant credit card customer to notify the credit card customer to pay the net credit card. In other words, the deduction amount must be paid by the card issuer to the acquirer without regard to the credit card customer.

On the other hand, when the first processing module 12 determines in step S301 that there are no historical bonus transaction records matching the historical credit card transaction in the historical dividend transaction records R, the first The processing module 12 transmits the clearing notice to the credit card server 200' (step S304).

Then, in step S305 following step S304, the credit card server 200', after receiving the clearing notice from the front-end authorization server 1, and completing the acquiring institution’s transaction for the historical credit card transaction according to the clearing notice During payment processing, a successful payment reply is sent to the front-end authorization server 1 in response to the clearing notice. Since the details of the payment processing are understood by those skilled in the art and are not features of the present invention, they will not be repeated here.

Finally, following step S303 and step S305 following step S305, the first processing module 12 of the front-end authorization server 1 receives the successful payment response from the credit card server 200', and then makes the successful payment The reply is sent to the external server to inform the acquirer that the card issuer has completed the payment of the transaction amount.

At this point, the liquidation procedure is completed. It is worth noting that the above steps S301, S302, S304, and S306 can jointly implement the embodiment of the credit card bonus point credit method of the present invention at the liquidation stage.

In summary, for any credit card transaction that occurs in the same or different special issuer of the acquirer, online virtual store or sales channel, the credit card bonus point discount system 100 of the present invention can provide credit card bonus discount The credit service can greatly expand the shops, regions and even countries where this credit card bonus discount service is applicable. In addition, for credit card transactions that occur in special stores, because the amount of the credit card transaction is the transaction amount, the special store not only does not need to ask the credit card customer in advance whether to use credit card bonus points, but also the acquirer The service fee charged by the store is proportional to the amount of the credit card transaction, so it will not cause the service fee of the acquiring institution to be relatively short because the credit card customer uses the credit card bonus to discount the service, so it can indeed achieve the purpose of cost invention.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still classified as This invention covers the patent.

100: Credit card bonus point management system 1: front-end authorization server 11: first storage module D11: bonus discount customer data R: historical bonus discount transaction record 12: first processing module 2: point management server 21: Second storage module D21: Dividend points data D22: Dividend credit specification data 22: Second processing module 200, 200': Credit card server S201~S211: Steps S301~S306: Steps

Other features and functions of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram exemplarily illustrating a credit card bonus point credit system for credit card transactions of the present invention and An embodiment of a credit card server; FIG. 2 is a flowchart illustrating how the embodiment executes a credit card transaction procedure when receiving a credit card transaction request; and FIG. 3 is a flowchart illustrating the example This embodiment how to execute a clearing procedure when receiving a clearing notice of a historical credit card transaction.

100: Credit card bonus point management system

1: Front-end authorization server

11: The first storage module

D11: Dividends on customer information

R: historical dividend discount transaction record

12: The first processing module

2: point management server

21: Second storage module

D21: Dividend points data

D22: Dividend bonus specification data

22: Second processing module

200,200’: Credit card server

Claims (8)

A credit card bonus point credit method for credit card transactions is implemented using a credit card bonus point credit system. The credit card bonus point credit system includes a front-end authorization server and a connection to the front-end authorization server The point management server, the credit card bonus point redemption method includes the following steps: The front-end authorized server stores the bonus bonus customer data and multiple historical bonus discounts corresponding to multiple historical bonus discount transactions respectively Transaction records, the bonus credit customer data includes multiple reference identification codes different from each other and corresponding to multiple different bonus discount customers, and at least one credit card number corresponding to each reference ID code; by this point The number management server stores bonus point data containing a plurality of bonus points corresponding to the credit cards of these bonus points, and standard data of bonus points related to multiple types of bonus points; The authorization server, after receiving a credit card transaction request related to a credit card issued by a card issuer to an application customer and including the card number and transaction amount of the credit card, determines that the card number exists in the stored When the bonus discount customer information, the credit card transaction is changed to a bonus discount transaction, and the bonus discount transaction data corresponding to the bonus discount transaction and including the card number and the transaction amount is sent to the point management server By the point management server, according to the bonus discount transaction data received from the front-end authorized server and the stored bonus point data and the bonus discount specification data, obtain a corresponding to the bonus discount The credit transaction includes a deductible point, the deductible amount corresponding to the deductible point, and the trial result of the net credit card amount, and sends the trial result to the front-end authorization server; by the front-end authorization The server, upon receiving the trial calculation result from the point management server, sends an authorization request corresponding to the bonus discount transaction and containing the trial calculation result, the card number and the transaction amount to a card issuer The credit card server provided by the institution; through the front-end authorization server, upon receiving a successful authorization reply from the credit card server in response to the authorization request, send a deduction notice corresponding to the bonus discount transaction to The point management server; by the point management server, in response to the deduction point notification from the front-end authorization server, the credit point corresponding to the credit card of the applying customer is deducted from the deductible point The remaining points after the count are used as the cumulative credit points of the updated credit card, and will include the updated cumulative credit points of the credit card corresponding to the applicant and the deduction points equal to the deductible points. The deduction result is sent to the front-end authorization server; and through the front-end authorization server, based on the credit card information, the deduction result received from the point management server, the transaction amount, the net card amount and the discount The credit amount generates a bonus discount transaction record corresponding to the bonus discount transaction, and stores the bonus discount transaction record as a new historical bonus discount transaction record. The credit card bonus point method described in claim 1, the credit card transaction request is sent from an external server provided by a credit card institution or an acquirer, and the successful authorization reply is received at the front-end authorization server After that, it also includes the following steps: In response to the credit card transaction request, the front-end authorization server sends a transaction that includes a contract amount equal to the transaction amount to the successful reply to the external server. The credit card bonus point deduction method as described in claim 2 further includes the following steps: After receiving the external server provided by an acquirer and related to the credit card transaction through the front-end authorization server At the time of the liquidation notice, a request for payment containing the historical dividend discount transaction record corresponding to the bonus discount transaction is sent to the credit card server, and the liquidation notification contains the amount of the credit card transaction signed; and The front-end authorization server, upon receiving a successful payment response from the credit card server and responding to the request for payment, sends the successful payment response to the external server to allow the card issuer to complete the signing Notify the acquirer of the payment information of the account amount. A credit card bonus point credit system for credit card transactions, including: a front-end authorization server, including a first storage module, which stores customer credit bonus data and multiple transactions corresponding to multiple historical bonus credit transactions, respectively Historical dividend discount transaction records, the bonus discount customer data includes multiple reference identification codes different from each other and corresponding to multiple different bonus discount customers, and at least one credit card number corresponding to each reference identification code , And a first processing module, which is electrically connected to the first storage module; and a point management server, which is connected to the front-end authorization server, and includes a second storage module, including a plurality of storage modules respectively corresponding to the The bonus point data of the accumulated bonus points of the customer's credit card and the bonus bonus specification data related to multiple types of bonus points, and a second processor electrically connected to the second storage module; wherein , When the front-end authorization server receives a credit card transaction request related to a credit card issued by a card issuer to an application customer and includes the credit card number and transaction amount of the credit card transaction request, the first processing module When it is determined that the card number exists in the bonus credit customer data stored in the first storage module, the credit card transaction is changed to a bonus discount transaction, and will correspond to the bonus discount transaction and include the card number and the The bonus transaction data of the transaction amount is sent to the point management server; wherein, when the point management server receives the bonus transaction data from the front-end authorization server, the second processing module The dividend discount transaction data and the bonus point data and the bonus discount specification data stored in the second storage module, to obtain a bonus discount transaction that includes a deductible point, corresponding to the Trial calculation results of the deductible points and the net credit card amount, and send the trial calculation results to the front-end authorization server; wherein, when the front-end authorization server receives the credit from the point management server During the trial calculation result, the first processing module transmits an authorization request corresponding to the bonus discount transaction and including the trial calculation result, the card number and the transaction amount to a credit card server provided by the card issuer; wherein, When the front-end authorization server receives a successful authorization response from the credit card server and responds to the authorization request, it sends a deduction notice corresponding to the bonus discount transaction to the point management server; wherein, the The second processing module responds to the deduction point notification from the front-end authorization server, and deducts the deductible points from the accumulated bonus points of the credit card corresponding to the application customer as the updated credit card Accumulate bonus points, and send a deduction point result including the updated credit card accumulated bonus points corresponding to the applying customer and the deduction points equal to the deductible points to the front-end authorization server; And, when the front-end authorization server receives the deduction result from the point management server, the first processing module at least based on the credit card information, the deduction result, the transaction amount, and the net card amount And the discount The credit amount generates a bonus discount transaction record corresponding to the bonus discount transaction, and stores the bonus discount transaction record in the first storage module as a new historical bonus discount transaction record. The credit card bonus point credit system described in claim 4, the credit card transaction request is sent from an external server provided by a credit card institution or an acquirer, wherein: the front-end authorization server receives the success After authorizing the reply, in response to the credit card transaction request, a transaction corresponding to the credit card transaction and containing the same contract amount as the transaction amount is successfully returned to the external server. The credit card bonus point credit system as described in claim 5, wherein: the front-end authorization server, upon receiving a clearing notice related to the credit card transaction from the external server provided by the acquirer, will A request for payment including the historical bonus discount transaction record stored in the first storage module and corresponding to the bonus discount transaction is sent to the credit card server, and the clearing notice includes the amount of the credit card transaction; and The front-end authorization server, upon receiving a successful payment response from the credit card server and responding to the request for payment, sends the successful payment response to the external server to allow the card issuer to complete the charge The payment information is notified to the acquirer. The credit card bonus point credit system as described in claim 4, wherein the point management server is provided by the card issuer. The credit card bonus point credit system as described in claim 4, wherein when the acquiring institution and the card issuer are the same banking institution, the front-end authorization system and the point management system are both provided by the banking institution.

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