TW202107360A - Electronic red envelope system, and receiving and sending method of electronic red envelop wherein the system includes sending terminal electronic device, a receiving terminal electronic device, a red envelope management server, and a bank server - Google Patents

Abstract

An electronic red envelope system includes a sending terminal electronic device, a receiving terminal electronic device, a red envelope management server, and a bank server. The sending terminal electronic device transmits a lucky money amount to the red envelope management server. The red envelope management server sends an authorization request to the bank server. The bank server executes an authorization procedure corresponding to the authorization request. The red envelope management server generates a red envelope serial number. The receiving terminal electronic device transmits a serial number to be verified to the red envelope management server. After the red envelop management server determines that the serial number to be verified matches the red envelope serial number, the red envelope management server sends an issuance request to the bank server. The bank server adds the lucky money amount to credit to a credit card account of a red envelope recipient.

Description

Electronic red envelope system and electronic red envelope receiving and dispatching method

The present invention relates to a financial system, in particular to an electronic red envelope system. The invention also relates to a method for sending and receiving electronic red envelopes.

With the development of internet communication, the services of internet banking have become more and more diverse. One of the online banking services is to send electronic red envelopes through the Internet. The current method of sending electronic red envelopes requires the sender of the red envelope to deposit the amount to be sent into a designated electronic payment account (such as Line Pay red envelope) before sending it, and then deduct the money. How to provide a new electronic red envelope system and use a new method for receiving and sending electronic red envelopes is the focus of the present invention.

Therefore, the purpose of the present invention is to provide an electronic red envelope system.

Another object of the present invention is to provide a method for sending and receiving electronic red envelopes.

Therefore, the electronic red envelope system of the present invention includes a sender electronic device, a receiver electronic device, a red envelope management server, and a bank server. The sending end electronic device is operated by a red packet sender. The receiving end electronic device is operated by a red packet recipient. The red packet management server is electrically connected to the sending end electronic device and the receiving end electronic device. The bank server is electrically connected to the red packet management server, and stores a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient.

The sender electronic device uses a sender identification data corresponding to the sender of the red packet to log in to the red packet management server.

The sending end electronic device transmits a red packet amount indicating the amount of a red packet to the red packet management server.

The red envelope management server generates an authorization request and transmits the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and includes the red envelope amount.

The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server.

The red packet management server generates a red packet serial number corresponding to the red packet, and transmits the red packet serial number to the sending end electronic device.

The receiving end electronic device uses a recipient identification data corresponding to the red packet recipient to log in to the red packet management server.

The receiving end electronic device transmits a sequence number to be verified to the red packet management server.

The red packet management server determines whether the serial number to be verified matches the red packet serial number.

After the red packet management server determines that the serial number to be verified matches the red packet serial number, the red packet management server sends a issuance request to the bank server. The issuance request is related to the recipient credit card held by the red packet recipient and contains The amount of the red envelope.

When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient.

In some embodiments, the red packet management server makes a red packet corresponding to the red packet.

The receiving end electronic device transmits a password to be verified to the red packet management server.

The red envelope management server determines whether the password to be verified matches the password for receiving.

After the red packet management server determines that the serial number to be verified matches the serial number of the red packet and the password to be verified matches the receiving password, the red packet management server transmits the issuance request to the bank server.

The electronic red packet receiving and sending method of the present invention is implemented by an electronic red packet system. The electronic red packet system includes a sending end electronic device, a receiving end electronic device, a red packet management server and a bank server, and the sending end electronic device provides one The red packet sender operates, the receiving end electronic device is operated by a red packet receiver, the bank server stores a credit card corresponding to the red packet receiver and related to a receiver credit card held by the red packet receiver, the The method includes: the sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; the sending end electronic device transmits a red packet amount indicating the amount of a red packet to the red packet management server; The red envelope management server generates an authorization request and sends the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; the bank server executes An authorization procedure corresponding to the authorization request, and generates an authorization result, and sends the authorization result to the red envelope management server; the red envelope management server generates a red envelope serial number corresponding to the red envelope, and transmits the red envelope serial number To the sending end electronic device; the receiving end electronic device uses a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; the receiving end electronic device sends a serial number to be verified to the red packet management server; the The red packet management server determines whether the serial number to be verified matches the red packet serial number; after the red packet management server determines that the serial number to be verified matches the red packet serial number, the red packet management server sends a issuance request to the bank server, and the issuance request It is related to the recipient credit card held by the red packet recipient and contains the amount of the red packet; and when the bank server receives the issuance request, the bank server adds the amount of the red packet to the credit card held by the red packet recipient Some of the recipient’s credit card swiping gold.

The electronic red envelope system of the present invention includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server. The sending end electronic device is operated by a red packet sender. The receiving end electronic device is operated by a red packet recipient. The red packet management server is electrically connected to the sending end electronic device and the receiving end electronic device. The bank server is electrically connected to the red packet management server, and stores a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient. The sender electronic device uses a sender identification data corresponding to the sender of the red packet to log in to the red packet management server. The sending end electronic device transmits a red packet amount indicating the amount of a red packet to the red packet management server. The red envelope management server generates an authorization request and transmits the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and includes the red envelope amount. The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server.

The red packet management server generates a redeemable web address corresponding to the red packet, and transmits the redeemable web address to the sending end electronic device.

The receiving end electronic device uses the redeem URL and a recipient identification data corresponding to the red packet recipient to log in to the red packet management server.

The red packet management server transmits a distribution request to the bank server, the distribution request is related to the recipient credit card held by the red packet recipient and includes the red packet amount. When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient.

The electronic red packet receiving and sending method of the present invention is implemented by an electronic red packet system. The electronic red packet system includes a sending end electronic device, a receiving end electronic device, a red packet management server and a bank server, and the sending end electronic device provides one The red packet sender operates, the receiving end electronic device is operated by a red packet receiver, the bank server stores a credit card corresponding to the red packet receiver and related to a receiver credit card held by the red packet receiver, the The method includes: the sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; the sending end electronic device transmits a red packet amount indicating the amount of a red packet to the red packet management server; The red envelope management server generates an authorization request and sends the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; the bank server executes An authorization procedure corresponding to the authorization request, and an authorization result is generated, and the authorization result is sent to the red envelope management server; the red envelope management server generates a redemption URL corresponding to the red envelope, and transmits the red envelope URL To the sending end electronic device; the receiving end electronic device uses the redeem URL and a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; the red packet management server sends a issuance request to the bank server The issuance request is related to the recipient’s credit card held by the red envelope recipient and contains the red envelope amount; and when the bank server receives the issuance request, the bank server adds the red envelope amount to the relevant The swiping gold of the recipient's credit card held by the recipient of the red envelope.

The effect of the present invention is that the red packet management server transmits the authorization request related to the sender's credit card held by the red packet sender and includes the amount of the red packet to the bank server, and the red packet management server The device generates and transmits the red packet serial number or the redemption URL to the sending end electronic device, and the bank server adds the red packet amount to the credit card payment related to the recipient’s credit card held by the red packet recipient, Therefore, a novel electronic red envelope receiving and sending mode is provided, and the red envelope sender does not need to deposit the amount to be sent into a designated electronic payment account in advance as in the prior art, thereby improving the convenience of establishing and sending red envelopes.

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.

1, a first embodiment of the electronic red envelope system 100 of the present invention includes a sender electronic device 1, a receiver electronic device 2, a red envelope management server 3, and a bank server 4.

The sending end electronic device 1 is operated by a red packet sender, and the receiving end electronic device 2 is operated by a red packet receiver. The transmitting end electronic device 1 and the receiving end electronic device 2 are, for example, a smart phone, a tablet computer, a laptop computer, or a desktop computer with a network connection function.

The red packet management server 3 (for example, via a communication network) is electrically connected to the sending end electronic device 1 and the receiving end electronic device 2.

The bank server 4 (for example, via a communication network) is electrically connected to the red packet management server 3, and stores a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient. The credit card payment can be used by the recipient of the red envelope to directly deduct the transaction principal paid by the recipient’s credit card within the specified validity period, available range, limit and other special rules.

1 and 2, the following describes the steps of the electronic red envelope system 100 executing a red envelope creation procedure. First, as shown in step S01, the sender electronic device 1 uses a sender identification data corresponding to the sender of the red packet to log in to the red packet management server 3. The identity verification method related to the login step can be executed by the red packet management server 3, or it can be executed by the bank server 4 and then the verification result is returned to the red packet management server 3.

Then, as shown in step S02, the sending end electronic device 1 transmits a red packet amount indicating the amount of a red packet to the red packet management server 3.

Then, as shown in step S03, the red packet management server 3 generates an authorization request, and transmits the authorization request to the bank server 4, the authorization request is related to a sender credit card held by the red packet sender and Contains the amount of the red envelope. In this embodiment, the authorization request also includes relevant information required to authorize transactions with the sender’s credit card, such as the sender’s credit card number, expiration date, and the last three codes on the back of the card. The expiration date may be that after the sending end electronic device 1 uses the sender identification data corresponding to the red packet sender to log in to the red packet management server 3, the bank server 4 provides the red packet management according to the sender identification data Server 3.

Then, as shown in step S04, the bank server 4 executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server 3.

Then, as shown in step S05, the red envelope management server 3 makes a receiving password correspond to the red envelope. The receiving password may be set by the red packet sender, or it may be automatically generated by the red packet management server 3 and notified to the red packet sender.

Finally, as shown in step S06, the red packet management server 3 generates a red packet serial number corresponding to the red packet, and transmits the red packet serial number to the sending end electronic device 1 for the red packet sender to provide the red packet serial number to it To whom you want to send a red envelope.

It is added that, in other implementation aspects, the sending-end electronic device 1 transmits multiple red envelope amounts indicating the amounts of multiple red envelopes to the red envelope management server 3 at a time, and the red envelope management server 3 generates multiple red envelopes. Authorization requests corresponding to the red envelopes respectively, and sending the authorization requests to the bank server 4, the bank server 4 executes a plurality of authorization procedures corresponding to the authorization requests, and generates a plurality of authorization results , And send the authorization results to the red envelope management server 3. The red envelope management server 3 makes the receiving password correspond to the red envelopes, and the red envelope management server 3 generates multiple red envelopes corresponding to the red envelopes. The red packet serial number, and the red packet serial number is transmitted to the sending end electronic device 1.

1 and 3, the following describes the steps of the electronic red envelope system 100 executing a red envelope redemption procedure. First, as shown in step S11, the receiving end electronic device 2 uses a recipient identification data corresponding to the red packet recipient to log in to the red packet management server 3.

Then, as shown in step S12, the receiving end electronic device 2 transmits a sequence number to be verified and a password to be verified to the red packet management server 3.

Then, as shown in step S13, the red envelope management server 3 determines whether the serial number to be verified matches the serial number of the red envelope and whether the password to be verified matches the receiving password, if yes, execute step S14, if not, the process ends.

In step S14, after the red packet management server 3 determines that the serial number to be verified matches the serial number of the red packet and the password to be verified matches the receiving password, the red packet management server sends a issuance request to the bank server 4, and the issuance request is related The recipient's credit card held by the recipient of the red envelope and includes the amount of the red envelope.

Finally, as shown in step S15, when the bank server 4 receives the issuance request, the bank server 4 adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient.

4 and 5, a second embodiment of the electronic red envelope system 100 of the present invention is similar to the first embodiment, and the differences are described as follows. In the second embodiment, the related technology of the red envelope serial number in the first embodiment is not used, and instead is issued by a specific destination website.

As shown in step S26, in the second embodiment, after receiving the authorization result from the bank server 4, the red envelope management server 3 generates a redeem The website address is transmitted to the sending end electronic device 1 for the red envelope sender to provide the redeemable website address to the person who wants to send the red envelope.

As shown in step S31, the receiving end electronic device 2 uses the redeem URL and the recipient identification data corresponding to the red packet recipient to log in to the red packet management server 3. It is supplemented that the redeem URL may include an authorization serial number included in the authorization result in step S24, so that the red envelope management server 3 can identify the authorization result from which the red envelope recipient wants to receive the red envelope.

In summary, the electronic red envelope system 100 of the present invention uses the red envelope management server 3 to send the authorization request related to the sender's credit card held by the red envelope sender and containing the amount of the red envelope to the bank server 4. And the red packet management server 3 generates and transmits the red packet serial number or the exchange URL to the sending end electronic device 1, and the bank server 4 adds the red packet amount to the relevant red packet recipient's holding The credit card payment of the recipient’s credit card provides a novel mode of sending and receiving electronic red envelopes, and the red envelope sender does not need to deposit the amount of money to be sent into the designated electronic payment account in advance as in the prior art, thus improving the establishment and sending of red envelopes The convenience of the invention can indeed achieve the purpose of the invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to Within the scope of the patent of the present invention.

100: Electronic red envelope system 1: Sending electronic device 2: Receiving end electronic device 3: Red envelope management server 4: Bank server S01~S06: Step S11~S15: steps S21~S26: steps S31~S35: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the electronic red envelope system of the present invention; and Figure 2 is a flowchart of the first embodiment, illustrating a red envelope creation procedure; Figure 3 is another flowchart of the first embodiment, illustrating a red envelope redemption procedure; 4 is a flowchart of a second embodiment of the electronic red envelope system of the present invention, illustrating the red envelope creation procedure; and Figure 5 is another flow chart of the second embodiment, illustrating the red envelope redemption procedure.

100: Electronic red envelope system

1: Sending electronic device

2: Receiving end electronic device

3: Red envelope management server

4: Bank server

Claims (8)

An electronic red envelope system, including: An electronic device at the sender for operation by the sender of a red envelope; An electronic device at the receiving end for the operation of a red envelope recipient; A red envelope management server electrically connected to the sending end electronic device and the receiving end electronic device; and A bank server, electrically connected to the red packet management server, and storing a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient; The sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; The sending end electronic device transmits a red envelope amount indicating the amount of a red envelope to the red envelope management server; The red envelope management server generates an authorization request, and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server; The red packet management server generates a red packet serial number corresponding to the red packet, and transmits the red packet serial number to the sending end electronic device; The receiving end electronic device uses a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; The receiving end electronic device sends a serial number to be verified to the red envelope management server; The red envelope management server determines whether the serial number to be verified matches the red envelope serial number; After the red packet management server determines that the serial number to be verified matches the red packet serial number, the red packet management server sends a issuance request to the bank server. The issuance request is related to the recipient credit card held by the red packet recipient and contains The amount of the red envelope; When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient. The electronic red envelope system according to claim 1, wherein the red envelope management server makes a receiving password correspond to the red envelope; The receiving end electronic device sends a password to be verified to the red envelope management server; The red envelope management server determines whether the password to be verified matches the password for receiving; After the red packet management server determines that the serial number to be verified matches the serial number of the red packet and the password to be verified matches the receiving password, the red packet management server transmits the issuance request to the bank server. A method for sending and receiving electronic red envelopes is implemented by an electronic red envelope system. The electronic red envelope system includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server, and the sending end electronic device provides a red envelope Operation by the sender, the receiving end electronic device is operated by a red packet recipient, the bank server stores a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient, the method contain: The sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; The sending end electronic device transmits a red envelope amount indicating the amount of a red envelope to the red envelope management server; The red envelope management server generates an authorization request, and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server; The red packet management server generates a red packet serial number corresponding to the red packet, and transmits the red packet serial number to the sending end electronic device; The receiving end electronic device uses a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; The receiving end electronic device sends a serial number to be verified to the red envelope management server; The red envelope management server determines whether the serial number to be verified matches the red envelope serial number; After the red packet management server determines that the serial number to be verified matches the red packet serial number, the red packet management server sends a issuance request to the bank server. The issuance request is related to the recipient credit card held by the red packet recipient and contains The amount of the red envelope; and When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient. The method for sending and receiving electronic red envelopes as described in claim 3 further includes: The red envelope management server makes a receiving password correspond to the red envelope; The receiving end electronic device sends a password to be verified to the red packet management server; and The red envelope management server determines whether the password to be verified matches the password for receiving; Wherein, after the red packet management server determines that the serial number to be verified matches the serial number of the red packet and the password to be verified matches the receiving password, the red packet management server transmits the issuance request to the bank server. An electronic red envelope system, including: An electronic device at the sender for operation by the sender of a red envelope; An electronic device at the receiving end for the operation of a red envelope recipient; A red envelope management server electrically connected to the sending end electronic device and the receiving end electronic device; and A bank server, electrically connected to the red packet management server, and storing a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient; The sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; The sending end electronic device transmits a red envelope amount indicating the amount of a red envelope to the red envelope management server; The red envelope management server generates an authorization request, and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server; The red packet management server generates a red packet URL corresponding to the red packet, and transmits the red packet URL to the sending end electronic device; The receiving end electronic device uses the redeem URL and a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; The red packet management server sends a issuance request to the bank server, the issuance request is related to the recipient credit card held by the red packet recipient and includes the amount of the red packet; When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient. The electronic red envelope system according to claim 5, wherein the red envelope management server makes a receiving password correspond to the red envelope; The receiving end electronic device sends a password to be verified to the red envelope management server; The red envelope management server determines whether the password to be verified matches the password for receiving; After the red packet management server determines that the password to be verified matches the receiving password, the red packet management server sends the issuance request to the bank server. A method for sending and receiving electronic red envelopes is implemented by an electronic red envelope system. The electronic red envelope system includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server, and the sending end electronic device provides a red envelope Operation by the sender, the receiving end electronic device is operated by a red packet recipient, the bank server stores a credit card corresponding to the red packet recipient and related to a recipient credit card held by the red packet recipient, the method contain: The sending end electronic device uses a sender identification data corresponding to the red packet sender to log in to the red packet management server; The sending end electronic device transmits a red envelope amount indicating the amount of a red envelope to the red envelope management server; The red envelope management server generates an authorization request, and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount; The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and sends the authorization result to the red envelope management server; The red packet management server generates a red packet URL corresponding to the red packet, and transmits the red packet URL to the sending end electronic device; The receiving end electronic device uses the redeem URL and a recipient identification data corresponding to the red packet recipient to log in to the red packet management server; The red packet management server sends a issuance request to the bank server, the issuance request is related to the recipient credit card held by the red packet recipient and includes the amount of the red packet; and When the bank server receives the issuance request, the bank server adds the red envelope amount to the credit card payment related to the recipient's credit card held by the red envelope recipient. The method for sending and receiving electronic red envelopes as described in claim 7, further including: The red envelope management server makes a receiving password correspond to the red envelope; The receiving end electronic device sends a password to be verified to the red packet management server; and The red envelope management server determines whether the password to be verified matches the password for receiving; Wherein, after the red packet management server determines that the password to be verified matches the receiving password, the red packet management server transmits the issuance request to the bank server.

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