TW202141383A - Points conversion method, system and device and payment method using the same allowing consumers to quickly and conveniently convert owned points into different categories of points or cryptocurrencies - Google Patents

Abstract

The disclosure provides a points conversion method, system and device and payment method using the same, wherein the payment method is to execute a payment program in a consumer electronic device. The disclosure is characterized in that: a registered data bound by the payment program correspondingly shows a virtual payment currency balance and a plurality of reward points of different categories while executing electronic payment, the reward points, based upon its conversion exchange rate, are respectively set as the reward point values that are to be converted into the virtual payment currency to increase virtual payment currency balance, wherein after each of the reward points are set as the value to be converted, one time conversion is completed through one-click conversion action. Afterward real currency amount corresponding to the virtual payment currency is firstly deducted during payment process, the payment is finished via bound accounts or credit cards. The disclosure can allow consumers to quickly and conveniently convert all owned points into a consistent cryptocurrencies, thereby enhancing use efficiency and convenience of points.

Description

Point conversion method, system and device and payment method using the point conversion

The present invention is related to the field of consuming points, and particularly relates to a point conversion method, system and device and a payment method using the point conversion.

In order to increase consumers' willingness to continue to consume in the same store, and thereby increase store revenue, many stores currently provide member points mechanism to attract consumers to spend. The aforementioned member point mechanism allows consumers to accumulate member points every time they make a purchase, and redeem them for discounts (such as gifts, shopping cash or coupons, etc.) after accumulating a certain amount of member points.

However, consumers usually spend in different stores and have different types of membership points at the same time, but these membership points cannot be circulated or integrated with each other, which causes great inconvenience to consumers in consuming membership points.

Therefore, the existing member points mechanism has the above-mentioned problems, and a more effective plan is urgently needed.

The main purpose of the present invention is to provide a point conversion method, system and device and a payment method using the point conversion, which can quickly convert the points held by consumers to the currently required point category.

In order to achieve the above objective, the present invention provides a point conversion method, including the following steps: presenting a plurality of stores on the consumer electronic device and selecting one of them as the target store; and selecting at least one point category according to the target store One of them is used as the target point, and then the target point is queried based on a registration data and the balance of the target point is displayed; based on the target point, the other point category is selected as the candidate point, and the registration information is queried and displayed. The point balance of the candidate point; display the point conversion interface, and accept a conversion setting operation through the point conversion interface to set the export amount of each candidate point to be converted to the corresponding target point and the corresponding linkage Import the amount of target points; send a point conversion request to the cloud server, so that the cloud server deducts the amount of points from the candidate points, and corresponds to the target points The point balance increases the amount of remittance; and when receiving a point conversion completion response, re-inquire and display the point balance of the target point based on the registration information.

In order to achieve the above objective, the present invention provides another point conversion payment method for executing a payment program in a consumer electronic device, characterized in that: the payment program is bound to the payment program when the electronic payment is executed. A certain piece of registration information corresponds to the balance of a virtual payment currency and a plurality of reward points of different types. The reward points can be converted to the virtual payment currency to increase the virtual payment currency according to the conversion exchange rate. Payment currency balance. After each reward point is set to the value to be converted, the conversion can be completed at one time through a one-click conversion action, and then the real currency amount corresponding to the virtual payment currency is deducted at the time of payment, and then bound The account or credit card to complete the payment.

The invention allows consumers to quickly and conveniently convert the points they hold into points or virtual currencies of different categories, thereby improving the efficiency and convenience of using points.

With regard to a preferred embodiment of the present invention, with the drawings, the detailed description is as follows.

First, please refer to FIG. 1 and FIG. 2 at the same time. FIG. 1 is an architecture diagram of a fast conversion system of different point types according to an embodiment of the present invention, and FIG. 2 is an architecture diagram of a processing device of an embodiment of the present invention.

The present invention mainly proposes a point-to-number conversion method (hereinafter referred to as the method), which is applied to the point-to-number conversion system shown in FIG. 1 (hereinafter referred to as the system).

The system mainly includes consumer electronic devices 1 held by consumers (such as smart phones, laptops, tablets, personal computers, smart wearable devices, etc.), and consumer electronic devices 1 mainly include man-machine interfaces 12 , A network communication device 13, a storage device 14, and a processing device 10 electrically connected to the foregoing devices. The human-machine interface 12 can include input devices (such as buttons, fingerprint readers, proximity sensors, etc.), output devices (such as speakers, displays, etc.), or both (such as touch screens), and are used to interact with consumers People interact.

In one embodiment, the man-machine interface 12 includes a touch screen 120. The touch screen 120 can display a graphical user interface (GUI), and present information or accept consumers (and consumption) through the graphical user interface. The user of the electronic device) operation. The network communication device 13 (such as a mobile network module or Wi-Fi network module, etc.) is used to connect to the Internet 2, and can connect to the cloud server 20 through the Internet 2 for data transmission (such as receiving Discount information or invoice information).

In one embodiment, each store may have a store electronic device 24 that is also connected to the Internet 2. The store electronic device 24 may have the same or similar structure as the consumer electronic device 1, and the details will not be repeated here. In addition, the aforementioned cloud server 20 includes a point conversion server 21, one or more point issuer servers 22, and/or a payment server 23. The payment server 23 is used to connect the consumer electronic device 1 and the store electronic device 24 to provide consumers with electronic payment services to the store. The point issuer server 22 is used to provide points management services (such as point import, query, conversion, and/or discount, etc.) of each store. The point conversion server 21 is used to perform conversion between different point types.

It is worth mentioning that the different point types of multiple stores can be managed by the same point issuer server 22, or be managed by different point issuer servers 22 respectively, without limitation. The storage device 14 may include transient computer-readable media (such as RAM) and non-transitory computer-readable media (such as ROM, flash memory, solid state drives, magnetic hard drives, etc.), and is used to store data .

In one embodiment, the storage device 14 stores registration information 141. The registration information 141 may include the consumer's personal information (such as name, birthday, phone number, etc.) and point-related information (such as member account number, member password, various points). Issuer information of several categories, etc.).

In one embodiment, the storage device 14 stores one or more payment programs 142 (FIG. 1 takes multiple payment programs 142 as an example), and each payment program 142 can be connected to the payment server 23 to provide electronic payment services after being executed.

Please refer to FIG. 2. In one embodiment, the processing device 10 of the consumer electronic device 1 may include the following modules for implementing different functions:

1. Point management module 100: used to manage all point types owned by consumers.

2. Trigger module 101: Used to trigger the fast data conversion of different point types of the present invention when the preset trigger conditions are met. In one embodiment, the trigger module 101 triggers the operation of other modules (such as the target point setting module 103 described later) when it detects that one of the payment programs 142 is activated (that is, the aforementioned trigger condition) .

3. Point balance query module 102: to query the cloud server 20 (such as the point issuer server 22) for the point balance of each target point and/or each candidate point based on the consumer's registration data The point balance can be controlled by the display control module 108 described later to control the man-machine interface 12 (such as the touch screen 120) to display the obtained point balance of each target point and the point balance of each candidate point.

In one embodiment, the point balance query module 102 is configured to query the point balance of each target point based on the consumer's registration data when receiving the point conversion completion response, and use the display control module described later The group 108 controls the man-machine interface 12 to display the point balance of each target point.

4. Target point setting module 103: used to select one of multiple stores as the target store, and control the man-machine interface 12 to display the information of the target store through the display control module 108 described later, and the target points The setting module 103 may further select at least one of the multiple point types as the target point according to the target store, that is, select one or more point types that the target store accepts the discount.

5. Candidate point setting module 104: when the preset conversion requirements are met, other point types are selected as candidate points based on each target point, that is, the point type that can be converted to the target point is selected .

In one embodiment, the candidate point setting module 104 can control the man-machine interface 12 (such as the touch screen 120) to display point conversion buttons (such as virtual keys) through the display control module 108 described later, and the aforementioned conversion requirements The condition can be that the point conversion button is pressed or the point balance of the target point is less than the required amount (such as the upper limit of the deductible consumption amount or the single maximum use amount of the target point).

6. Conversion rule setting module 105: used to draw a point conversion interface (GUI) and display this interface through the man-machine interface 102. The aforementioned point conversion interface is used to accept operations (such as the conversion setting operation described later) to set and calculate the export amount of each candidate point and the import amount of each target point.

In one embodiment, the conversion rule setting module 105 can set the maximum remittance amount and the basic remittance amount of each candidate point according to the point balance of each candidate point and the exchange rate (detailed later).

In one embodiment, the aforementioned point conversion interface may include an export amount setting interface (GUI), and the export amount setting interface can increase the export amount of candidate points each time an operation is accepted through the export amount setting interface Or reduce the basic export volume, and set the maximum export volume as the maximum export volume. In this way, the efficiency and accuracy of the consumer's operation can be improved, and the consumer can avoid setting the wrong amount of candidate points.

7. Conversion execution module 106: used to issue a point conversion request to the cloud server 20 according to the import amount of each target point and the export amount of each candidate point, such as the point conversion server 21 or the points involved The data issuer server 22 performs point conversion in the cloud.

8. The discount execution module 107: used to set the discount limit of the current quantity of each target point, and execute the discount of the consumption amount.

In one embodiment, the discount execution module 107 can pass the discount authorization in the consumer electronic device 1 (such as online verification or local verification, such as password verification, unlock verification, biometric verification, one-time password verification, etc.) At that time, the consumption amount will be discounted based on the discount amount, and the balance to be paid will be calculated. In addition, when the balance to be paid in the discount execution module 107 is greater than zero (that is, the target points cannot be discounted to the entire consumption amount), the payment program 142 executes general payment procedures (such as Alipay, Google Pay, Apple Pay or other electronic payments) To pay off the remaining outstanding balance.

9. Display control module 108: used to control the man-machine interface 12 to display information.

In one embodiment, the present invention can also perform point conversion for multiple target points at the same time. Specifically, the storage device 14 can store multiple exchange rates between multiple point types. The target point setting module 103 can select a plurality of points as the target point according to the target store. The candidate point setting module 104 selects each point category that can be converted into any target point as the candidate point (that is, the candidate point is selected for each target point). When the conversion rule setting module 105 determines that any candidate point can be converted into multiple target points based on the conversion relationship, it compares the exchange rates of each conversion combination and selects the conversion combination with the best exchange rate, that is, the candidate points are set to be used The target points for the best exchange rate. In order to provide the most cost-effective way to convert points.

In one embodiment, when the processing device 10 receives a point discount operation via the human-machine interface 12, it can trigger and display the operation of the aforementioned one or more modules to perform point conversion, so as to maximize the point value that can be discounted. The processing device 10 can also use the direct execution payment program 142 to execute the general payment procedure when receiving the non-discounted point operation via the human-machine interface 12. The aforementioned modules 100-108 are connected to each other (electrical connection and information connection), and can be hardware modules (such as electronic circuit modules, integrated circuit modules, SoC, etc.), software modules or software There is no limit to the mix and match of hardware modules.

It is worth mentioning that when the aforementioned modules 100-108 are software modules (such as firmware, operating system, or application programs), the storage device 14 includes a non-transitory computer-readable recording medium, and the aforementioned non-transitory computer can The read recording medium stores a computer program 140, and the computer program 140 records a computer executable program code. When the processing device 10 executes the foregoing program code, the functions of the foregoing modules 100-108 can be realized.

Please refer to FIGS. 3-7 and 11 at the same time. FIG. 3 is a schematic diagram (1) of data transmission of a fast conversion system for different point types according to an embodiment of the present invention. FIG. 4 is a difference of an embodiment of the present invention. The schematic diagram of data transfer of the point type quick conversion system (2), FIG. 5 is the first schematic diagram of the display screen of the consumer electronic device according to an embodiment of the present invention, and FIG. 6 is the consumer according to an embodiment of the present invention A second schematic diagram of a display screen of an electronic device. FIG. 7 is a third schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 11 is a fast conversion method for different point types according to the first embodiment of the present invention Flow chart.

The method of each embodiment of the present invention can be executed by the system shown in FIG. 1 and FIG. 2. Specifically, the method of this embodiment includes the following steps. Step S10: The processing device 10 of the consumer electronic equipment 1 controls the consumer electronic equipment to select one of multiple stores as the target store, and display the information of the target store. In one embodiment, the processing device 10 accepts the consumer's operation of selecting a store via the human-machine interface 12, and sets the target store according to the operation. Step S11: The processing device 10 uses the target point setting module 103 to select at least one of the multiple point categories according to the target store as the target point, and queries and displays the point balance of each target point according to the registration data. For example, as shown in FIG. 5, after the consumer selects store A (display area 30), the processing device 10 can identify the Z points (target points) that store A can use, query and display the number of points Z Balance (display area 31), and allows consumers to set the number of points to be discounted (display area 32), and can display Z-point discount bar codes (display area 34). Step S12: The processing device 10 determines whether the preset conversion requirement condition is satisfied. In one embodiment, the aforementioned conversion requirement condition may be that a point conversion button (such as a virtual button) is pressed or the point balance of the target point is less than the required amount. For example, as shown in FIG. 5, the consumer can press the point conversion button (display area 33) to perform the point conversion described later. If the conversion requirement condition is not met, the processing device 10 executes step S12 again to continue the detection. If the conversion requirement condition is met, the processing device 10 may perform step S13: the processing device 10 uses the candidate point setting module 104 to select another point category based on each target point (for example, a point category that can be converted into a target point) As a candidate point, query according to the registration data and display the point balance of each candidate point on the human-machine interface 12. For example, as shown in FIG. 6, the processing device 10 can display all candidate points (display area 35) and their point balances (display area 36) on the touch screen 120.

In one embodiment, when it is desired to query the point balance of any point category (such as target points or candidate points), as shown in FIG. 3, the processing device 10 may send a balance query request (data C1) To the point conversion server 21, the point conversion server 21 identifies the point issuer servers 220-221 responsible for providing management services of this point category according to the balance query requirements, and forwards the balance query requirements (data C2 , C3) To the corresponding point issuer server 220-221. Then, each point issuer server 220-221 can respond to the balance query request to return the query result (data R1, R2) to the point conversion server 21, and the point conversion server 21 (consolidates) forwards the query The result goes to consumer electronic device 1 (data R3). In this way, the consumer electronic device 1 can conveniently query (or perform registration-related management) on all point types through a single server.

In one embodiment, when the point balance of any point type is to be inquired, as shown in FIG. 4, the processing device 10 directly identifies the point issuer server 220-221 that is responsible for providing management services for this point type. , And respectively send the balance inquiry request (data P1, P2) to the point issuer server 220-221. Then, each point issuer server 220-221 can respond to the balance inquiry request to return the inquiry result (data Q1, Q2) to the consumer electronic device 1. In this way, the setting of the point conversion server 21 can be omitted. Step S14: The processing device 10 displays the point conversion interface (as shown in FIG. 6), and accepts the consumer's conversion setting operation through the point conversion interface to set the export amount of each candidate point and the import amount of each target point . In one embodiment, the point conversion interface is displayed on the touch screen 120. The point conversion interface includes an export amount setting interface for each candidate point (showing area 37 in FIG. 6). The export amount setting interface is used for Accept the conversion setting operation to adjust the export amount of candidate points. Step S15: The processing device 10 calculates and sets the remittance amount of each target point according to the remittance amount of each candidate point and the exchange rate through the conversion rule setting module 105. Step S16: The processing device 10 sends a point conversion request to the cloud server 20 according to the import amount of each target point and the export amount of each candidate point. The cloud server 20 may subtract the remitted amount from the point balance of each candidate point corresponding to the registration data, and increase the remitted amount of the point balance of the target point, and the point conversion has been completed. In addition, a point conversion completion response is returned when the conversion is successful, and a point conversion error response is returned when the conversion fails. Step S17: The processing device 10 determines whether the conversion is successful, for example, whether it receives a point conversion completion response. If the conversion is successful, the processing device 10 performs step S18: the processing device 10 displays the conversion success prompt message via the man-machine interface 12, and can query and display the point balance of each target point after the conversion again according to the registration data (as shown in Figure 7). The display area 390 is shown), so that consumers can use more points for discount (display area 391 as shown in FIG. 7). If the conversion fails, the processing device 10 executes step S19: the processing device 10 displays a conversion error prompt message via the man-machine interface. The invention allows consumers to quickly and conveniently convert the points they hold into points of different categories, thereby improving the efficiency and convenience of using the points.

Please also refer to FIGS. 12-13. FIG. 12 is a partial flowchart (1) of a method for fast conversion of different point types according to the second embodiment of the present invention. FIG. 13 is a second embodiment of the present invention for different point types. Part of the flow chart of the quick conversion method (2). The method of this embodiment includes the following steps. Step S200: The processing device 10 of the consumer electronic device 1 determines whether the preset trigger condition is satisfied. In one embodiment, the trigger condition is that the consumer arrives at the location of the store. Specifically, the processing device 10 can obtain the location information through the sensing device 11 (such as a satellite positioning module or an indoor positioning module), thereby triggering the target point setting module 103 to select the store where it is located as the target based on the location information Store. In one embodiment, the trigger condition is that the payment program 142 is activated. Specifically, when any payment program 142 is opened, the processing device 10 selects the corresponding store as the target store based on the opened payment program, and multiple payment programs correspond to multiple stores, respectively. Step S201: The target point setting module 103 of the processing device 10 is triggered to select a store based on the location information as the target store, or set the target store based on the opened payment program 142. Steps S202-S204 are the same as or similar to steps S10-S11 in FIG. 11, and will not be repeated here. When the conversion requirement condition is satisfied, the processing device 10 executes step S205: the processing device 10 reads the conversion relationship among the plurality of pre-stored point categories from the storage device 14. Step S206: The processing device 10 obtains all the point types owned by the consumer through the point management module 100 according to the registration data. Step S207: Based on the conversion relationship, the processing device 10 selects a point category that can be converted to a target point as a candidate point from all the point categories owned by the registration data. Step S208: The processing device 10 queries the point issuer server 22 of each candidate point for the point balance of each candidate point according to the registration data, and displays the point balance of each candidate point on the man-machine interface 12. Step S209: The processing device 10 reads a plurality of conversion exchange rates between a plurality of pre-stored point types from the storage device 14 (that is, at least obtains the exchange rate between each candidate point and the target point). Step S210: The processing device 10 sets the maximum remittance amount and the basic remittance amount of each candidate point according to the point balance of each candidate point and the exchange rate. Step S211: The processing device 10 displays the point conversion interface via the man-machine interface 12. The aforementioned points conversion interface includes an export amount setting interface for each candidate point, and the export amount setting interface is used to accept the aforementioned conversion setting operation to adjust the export amount of the candidate points.

In one embodiment, the export amount setting interface increases or reduces the base export amount of candidate points each time an operation is accepted, and the maximum export amount is the maximum export amount. Step S212: The processing device 10 calculates the remittance amount of each target point according to the remittance amount of each candidate point and the exchange rate. Step S213: The processing device 10 sends a point conversion request to the cloud server 20. Step S214: The cloud server 20 executes the point conversion according to the point conversion request, and the conversion method is as described above, and will not be repeated here. Step S215: The cloud server 20 determines whether the conversion is successful. If the conversion is successful, the cloud server 20 executes step S216: returning a point conversion completion response to the consumer electronic device 1. If the conversion fails, the cloud server 20 executes step S217: returning a point conversion error response to the consumer electronic device 1. Step S218: When receiving the point conversion completion response, the processing device 10 queries the latest point balance of the target point, and displays the point balance through the man-machine interface 12. Step S219: When receiving the point conversion error response, the processing device 10 displays a conversion error prompt message via the man-machine interface 12.

Please also refer to FIG. 8, which is a fourth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention, and FIG. 9 is a fifth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention 10 is a sixth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. The present invention can also perform conversion for multiple target points at the same time. As shown in Fig. 8, when the consumer selects store B (display area 40), the processing device 10 can recognize that store B can use point Z and point Y at the same time, and display the point balance of point Z and Y (display area 41- 42). And it can display Z point and Y point discount bar code (display area 44-45). Then, when the consumer presses the point conversion key (display area 43), the touch screen 120 can display candidate points (display area 46) and exchange rate (display area 48) that can be converted into Z points or Y points. Consumers can set the number of candidate points (display area 47), and press the "one-key conversion" button (display area 49) after the setting is completed. Finally, the consumer electronic device 1 can perform point transfer, and query the point balance of each target point after conversion (display area 50-51).

Please refer to FIG. 3, FIG. 4, and FIG. 14 at the same time. FIG. 14 is a payment flowchart of a method for fast conversion of different point types according to the third embodiment of the present invention. In this embodiment, electronic payment is combined for discounting. Specifically, the method of this embodiment includes the following steps. Step S30: The processing device 10 of the consumer electronic device 1 judges whether to accept the consumer's discount point operation. If the discount operation is accepted, the processing device 10 executes step S31: the processing device 10 executes the method shown in FIG. 11 or FIGS. 12-13 to realize the conversion of different point types. Step S32: The processing device 10 sets a discount limit for each target point, and determines whether the consumer electronic device 1 passes the discount authorization (such as a verification password or a biometric password). If the consumer electronic equipment 1 is authorized by the discount, the processing device 10 performs step S33: the processing device 10 discounts the consumption amount according to the discount amount and calculates the balance to be paid. Step S34: The processing device 10 determines whether there is a balance to be paid, that is, whether the balance to be paid is greater than zero. If the processing device 10 determines that there is a balance to be paid, step S35 is executed: the processing device 10 executes a general payment procedure to pay off the balance to be paid, that is, directly executes the payment program 142 to make the payment. If the processing device 10 determines that there is no balance to be paid, the transaction is completed. If the non-discount operation is accepted or the consumer electronic device 1 has not passed the discount authorization, the processing device 10 executes step S36: the processing device 10 executes the aforementioned general payment procedure. In this way, the present invention can be effectively used for electronic payment.

Many of the feedback points generated by traditional consumption and other behaviors cannot be used effectively. The main reason is that the remaining points are difficult to know in real time. There are also many restrictions on the use of various points and the environment, and they are not circulated. In addition, there are more inconveniences and cumbersome points in the implementation of electronic payment. For example, it is necessary to check the identity through the physical card or the system, and then perform the electronic payment after the deduction procedure is performed on the terminal consumer machine, etc. Sequential operation. Therefore, the present invention further proposes the use of a unified virtual payment currency technical means to consistently convert the virtual payment currency according to the point conversion rate set by the store and combine the payment program according to the point conversion rate set by the store. It is beneficial for consumers to make effective use of the various points they have.

Please refer to Figures 1, 5, 6 and 7 together; the present invention proposes a point conversion payment method for executing a payment program 142 on a consumer electronic device 1, characterized in that: the payment program 142 When performing an electronic payment, a registration data 141 bound to the payment program 142 corresponds to the balance of a virtual payment currency (point Z as shown in the figure) and a plurality of reward points of different types (as shown in A~E) Points), the reward points can be set to be converted to the virtual payment currency according to the conversion exchange rate to increase the balance of the virtual payment currency. After each of the reward points is set to be converted, the system The conversion can be completed at one time through the one-click conversion action, and then the real currency amount corresponding to the virtual payment currency is first deducted during payment, and then the bound account or credit card is used to complete the payment. In view of the fact that the payment behavior during consumption is often completed between a few fingers, the present invention utilizes a one-key conversion operation method, which allows consumers to quickly perform point conversion operations and complete payment behaviors with extremely high efficiency during payment.

Furthermore, in one embodiment, the present invention proposes a point conversion payment method for executing an application on a consumer electronic device and an e-commerce interface, characterized in that: one of the execution bindings After one of the consumption tasks specified by the application of the registration data, the reward points corresponding to the completion of the consumption task are obtained. The reward points are automatically converted to a virtual payment currency according to the conversion exchange rate and displayed on the e-commerce interface When performing electronic payment, the real currency amount corresponding to the virtual payment currency can be deducted first, and then the bound account or credit card can be used to complete the payment. Among them, the consumption task can be various combined consumption of the same or different stores, commodities, prices, locations, and times. For example, if you accumulate ten limited beverages and register them in the application through the electronic invoice record mechanism, you can obtain the corresponding reward points after completing the consumption task, and the reward points are automatically converted according to the conversion rate The supplementary information stored in the registration data to the virtual payment currency. Subsequent consumption in the corresponding e-commerce interface can choose to deduct the virtual payment currency in advance to realize the effective use of the reward points.

The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention; therefore, equal changes and modifications made without departing from the scope of the present invention should be covered by the patent of the present invention Within range.

1: Consumer electronic equipment 10: Processing device 100: Point management module 101: trigger module 102: Point balance query module 103: Target points setting module 104: Candidate points setting module 105: Conversion rule setting module 106: Conversion execution module 107: Discount execution module 108: Display control module 11: Sensing device 12: Human-machine interface 120: Touch screen 13: Network communication device 14: storage device 140: computer program 141: Registration Information 142: payment program 2: Internet 20: Cloud server 21: Point conversion server 22: Point issuer server 23: payment server 24: Store electronic equipment 30-38, 390-391, 40-49, 50-51: display area C1-C5, R1-R5, P1-P2, Q1-Q2: data S10-S19: The first quick conversion step S201-S219: Second quick conversion step S30-S36: Payment and discount steps

FIG. 1 is a structural diagram of a fast conversion system for different point types according to an embodiment of the present invention. FIG. 2 is a structural diagram of a processing device according to an embodiment of the present invention. FIG. 3 is a schematic diagram (1) of data transmission of a fast conversion system for different point types according to an embodiment of the present invention. FIG. 4 is a schematic diagram (2) of data transmission of a fast conversion system for different point types according to an embodiment of the present invention. FIG. 5 is a first schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 6 is a second schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 7 is a third schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 8 is a fourth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 9 is a fifth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 10 is a sixth schematic diagram of a display screen of a consumer electronic device according to an embodiment of the present invention. FIG. 11 is a flowchart of a method for fast conversion of different point types according to the first embodiment of the present invention. Fig. 12 is a partial flowchart (1) of a method for fast conversion of different point types according to the second embodiment of the present invention. FIG. 13 is a partial flowchart (2) of a method for fast conversion of different point types according to the second embodiment of the present invention. Fig. 14 is a payment flow chart of a method for fast conversion of different point types according to the third embodiment of the present invention.

S10-S19: The first quick conversion step

Claims (28)

A point conversion method for operation on a consumer electronic device, including the following steps: a) Present multiple stores on the consumer electronic device and select one of them as the target store; b) According to the target store, select at least one of the points in the point category as the target point, and then query and display the point balance of the target point according to a registration data; c) Based on the target point, select another point category as the candidate point, and query and display the point balance of each candidate point based on the registration information; d) Display the point conversion interface, and accept a conversion setting operation through the point conversion interface to set the export amount of each candidate point to be converted to the corresponding target point and the corresponding link to import the target point. Input e) Send a point conversion request to the cloud server, so that the cloud server deducts the remitted amount from the point balance of the candidate point, and increases the remittance corresponding to the point balance of the target point Amount; and f) Complete the point conversion and display the point balance of the target point. The point conversion method according to claim 1, wherein the step a) is that when one of a plurality of payment programs is opened, the corresponding store is selected as the target store based on the opened payment program, and the Multiple payment programs correspond to multiple stores. According to the point conversion method of claim 1, wherein the step a) is to determine the location based on a location information, so as to select a store around the location as the target store. The point conversion method according to claim 1, wherein the step c) includes: c1) Obtain a conversion relationship between the multiple point types to determine whether they can be converted to each other; c2) Based on the conversion relationship, select the point category that can be converted to the target point from the point category as the candidate point; and c3) According to the registration information, query the point balance of each candidate point from the point issuer server of each candidate point, and display the point balance of each candidate point. The point conversion method according to claim 1, wherein the step d) includes the following steps: d1) Obtain an exchange rate between each candidate point and the target point; d2) Display the point conversion interface, where the point conversion interface includes an export amount setting interface for each candidate point, and the export amount setting interface is used to accept the conversion setting operation to adjust the candidate point Export volume; and d3) Calculate the inward amount of each target point based on the remitted amount of each candidate point and the exchange rate. The point conversion method of claim 5, wherein the step d) further includes a step d4) before the step d2) to set the point balance of each candidate point and the exchange rate. A maximum export volume and a basic export volume; The export amount setting interface increases or decreases the basic export amount of the candidate points each time it accepts an operation, and the maximum value of the export amount is the maximum export amount. The point conversion method according to claim 1, wherein the step b) is to select at least two of the points according to the target store in a plurality of point categories as the target point; The step c) is to select each point category that can be converted into any target point as a candidate point; The step d) further includes a step d5) when any one of the candidate points can be converted into a plurality of the target points, obtain an exchange rate of the candidate points to each target point, and set the candidate points It is the target point used to exchange the best exchange rate. A payment method for point conversion, including the following steps: g1) When accepting a discount point operation, perform steps a) to f) as described in item 1 of the request; and g2) When accepting a non-deductible point operation, perform the general payment procedure. The payment method according to claim 8, which further includes the following steps after step f): h1) Set a discount limit for each target point; h2) When the consumer electronic device passes a discount authorization, a consumption amount is converted according to the discount limit and a pending balance is obtained; and h3) When the pending balance is greater than zero, execute the general payment procedure to pay off the pending balance. A point conversion payment method for executing a payment program on a consumer electronic device, characterized in that: when the payment program executes an electronic payment, a registration data bound to the payment program corresponds to a virtual Payment currency balances and multiple types of reward points. The reward points can be converted to the virtual payment currency to increase the balance of the virtual payment currency according to the conversion exchange rate. In each of the rewards After the points are set to convert the value, the conversion can be completed at one time through a one-click conversion action, and then the real currency amount corresponding to the virtual payment currency is deducted during payment, and the bound account or credit card is used to complete the payment behavior. A point-converted payment method for executing an application on a consumer electronic device and an e-commerce interface, characterized in that: after executing a consumption task specified by the application bound to a registration data, Obtain the reward points corresponding to the completion of the consumption task, where the reward points are automatically converted to a virtual payment currency according to the conversion rate, and the virtual payment currency can be deducted first when performing electronic payments on the e-commerce interface. After the currency amount, you can complete the payment with the bound account or credit card. A point conversion system, including: A cloud server, connected to the Internet, used to deduct the point balance of each candidate point of a registration data from the amount of remittance when receiving a point conversion request, and increase the point balance of the target point for the transfer Input amount; and A consumer electronic device, including: A storage device for storing the registration information; A man-machine interface for displaying information and accepting operations; A network communication device for connecting to the cloud server via the Internet; A processing device, which is electrically connected to the storage device, the man-machine interface, and the network communication device, includes: A display control module for controlling the display information of the man-machine interface: A target point setting module for selecting one of the different stores as the target store, and controlling the man-machine interface to display the target store’s information through the display control module, the target point setting mode The group is also used to select at least one of multiple point categories according to the target store as the target point; A candidate point setting module for selecting another point category as the candidate point based on each target point when a conversion requirement condition is met; The point balance query module is used to query the cloud server for the point balance of each target point based on the registration data, and control the man-machine interface to display the point balance of each target point through the display control module The point balance, the point balance query module is also used to query the cloud server for the point balance of each candidate point based on the registration data, and control the man-machine interface to display each of the points through the display control module The point balance of the candidate points, the point balance query module is also used to query the point balance of each target point again according to the registration data when receiving a point conversion completion response, and display it through the display The control module controls the man-machine interface to display the point balance of each target point; A conversion rule setting module for controlling the man-machine interface to display a point conversion interface, and accept a conversion setting operation through the point conversion interface to set the export amount of each candidate point and each of the goals of the linkage The amount of points imported; A conversion execution module for issuing the point conversion request to the cloud server according to the import amount of each target point and the export amount of each candidate point. The point conversion system according to claim 12, wherein the storage device further stores a plurality of payment programs; the processing device further includes a trigger module for detecting one of the plurality of payment programs Once it is turned on, it triggers the operation of the target point setting module. The point conversion system according to claim 12, wherein the consumer electronic equipment further includes a sensing device electrically connected to the processing device, and the sensing device is used to obtain a position information to trigger the target point setting The module selects the store where it is located as the target store based on the location information, and the sensing device is a satellite positioning module or an indoor positioning module. The point conversion system according to claim 12, wherein the human-machine interface includes a touch screen; the candidate point setting module controls the touch screen to display a point conversion button via the display control module; the conversion requirement condition The point conversion button is pressed or the point balance of the target point is less than a required amount. The point conversion system according to claim 12, wherein the cloud server includes multiple point issuer servers connected to the Internet and used to provide services of the multiple point types; the storage device further stores the multiple points. A conversion relationship between points categories; the candidate point setting module selects the point category that can be converted to the target point from all the point categories owned by the registration data based on the conversion relationship as the candidate Points; the point balance query module queries the point issuer server of each candidate point according to the registration data for the point balance of each candidate point, and displays each of the points through the display control module The point balance of the candidate points. The point conversion system according to claim 12, wherein the storage device further stores a plurality of exchange rates between the plurality of point types; the man-machine interface includes a touch screen; the touch screen is used to display the points A conversion interface, the point conversion interface includes an export amount setting interface for each candidate point, and the export amount setting interface is used to accept the conversion setting operation to adjust the export amount of the candidate point; the conversion rule The setting module calculates the remittance of each target point according to the remittance amount of each candidate point and the exchange rate. The point conversion system according to claim 17, wherein the conversion rule setting module sets a maximum export amount and a basic export for each candidate point based on the point balance of each candidate point and the exchange rate The export amount setting interface increases or decreases the basic export amount of the candidate points each time the export amount setting interface accepts an operation, and the maximum value of the export amount is the maximum export amount. The point conversion system according to claim 12, wherein the storage device further stores a plurality of exchange rates between the plurality of point types, and the target point setting module selects at least among the plurality of point types according to the target store Two of them are used as the target point; the candidate point setting module selects each of the point categories that can be converted into any of the target points as the candidate point; the conversion rule setting module is used for any of the candidate points When the target points can be converted into a plurality of the target points, the candidate points are set to be used to exchange the target points for the best exchange rate. The point conversion system according to claim 12, wherein the storage device further stores a payment program, and the processing device triggers the display control module and the target point when receiving a point discount operation through the human-machine interface The number setting module, the candidate point setting module, the point balance query module, the conversion rule setting module, and the conversion execution module run; the processing device receives a non-discount point through the human-machine interface When performing a number operation, the payment program executes the general payment procedure. The point conversion system according to claim 20, wherein the processing device further includes a discount execution module, and the discount execution module sets a discount limit for each target point, and passes it through the consumer electronic device When a discount is authorized, a consumption amount is discounted according to the discount amount and a pending balance is obtained, and when the pending balance is greater than zero, the payment program executes the general payment procedure to pay off the pending balance. A point conversion device for execution in a consumer electronic device, including: A target point setting module for receiving an instruction to select one of a plurality of different stores as a target store, and select at least one of a plurality of point categories according to the target store as the target point; A candidate point setting module, connected to the target point setting module by telecommunications, for receiving an instruction and selecting another point category based on the target point as the candidate point; A point balance query module, which connects the target point setting module and the candidate point setting module to telecommunications, and is used to query a cloud server for each target point and the point of the candidate point based on a registration data Balance A conversion rule setting module, a telecommunication connection point balance inquiry module, used to set the export amount of each candidate point and the link import amount of each target point; and A conversion execution module, a telecommunication connection conversion rule setting module, is used to issue the point conversion request to the cloud server according to the import amount of each target point and the export amount of each candidate point. The point conversion device described in claim 22 further includes a trigger module, a telecommunication connection target point setting module, and the trigger module is used to detect that one of the multiple payment programs is opened, Trigger the operation of the target point setting module. The point conversion device described in claim 22 further includes a sensing device, a telecommunication connection target point setting module, and the sensing device is used to obtain a position information to trigger the target point setting module according to the The location information selects the store where it is located as the target store. The point conversion device according to claim 22, wherein a plurality of point types have a conversion relationship; the candidate point setting module selects from all the point types owned by the registration data based on the conversion relationship The point type that can be converted to the target point is used as the candidate point; the point balance query module queries the point balance of each candidate point according to the registration data. The point conversion device according to claim 22, wherein the conversion rule setting module calculates the remittance amount of each target point according to the remittance amount and exchange rate of each candidate point. The point conversion device according to claim 26, wherein the conversion rule setting module sets a maximum export amount and a basic export for each candidate point according to the point balance of each candidate point and the exchange rate The export amount of the candidate points is increased or decreased by the basic export amount each time an operation is accepted, and the maximum value of the export amount is the maximum export amount. The point conversion device according to claim 22, wherein the target point setting module selects at least two of a plurality of point categories according to the target store as the target point; the candidate point setting module can be selected Each point category converted to any one of the target points is used as a candidate point; the conversion rule setting module sets the candidate point to be when any one of the candidate points can be converted into multiple target points The target point used to exchange the best exchange rate.

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