TWI712971B - Mobile payment rebate device and method - Google Patents

Abstract

The present invention relates to a mobile payment rebate device and method. When a user generates any form of transaction behavior through the present invention, a full rebate module and a shared rebate module will be used to generate pending rebates with the same value as the transaction amount. Bonuses and a predetermined percentage of shared bonuses, and through the power reduction rebate unit, the user will be returned to the user in a daily decremental manner that can be used to deduct the accumulated dividends and the rebate bonus that can be transferred to the financial account. The shared bonus part can also be used Promotion module and promotion rebate unit, invite relatives and friends to spend together or fight for reward bonuses, so that every transaction of users is accumulating consumption strength for themselves, and bonuses are regularly shared by the system platform to narrow the gap between the rich and the poor. This incentive helps businesses create more revenue, thereby creating a win-win situation for companies, businesses, and consumers.

Description

Device and method for mobile payment rebate

The present invention is to provide a mobile payment rebate device and method, especially a mobile payment rebate that can establish a high incentive for consumption as saving, provide a method of equal wealth shared by the whole people, and create a win-win situation for companies, businesses, and consumers. The device and its method.

According to, mobile payment refers to the service of using mobile electronic devices to make payments. Without the need to use cash, checks or credit cards, consumers can use mobile electronic devices to pay for various services, digital goods and physical goods. Although the concept of using a non-physical currency system has existed for a long time, the technology that supports this system has only recently begun to spread, and the forms of mobile payment include QR code payment, NFC payment, mobile network payment, etc., and the payment methods can be Financial accounts, credit cards, prepaid accounts, stored-value cards, telecommunications bills, etc. are collected.

Also because of the gradual popularization of mobile payment, various bonus mechanisms, bonus rewards and other promotional methods are diverse. However, mobile payment companies use various discounts to continuously induce consumers to pay, which will cause a gap between the rich and the poor. It's becoming more and more obvious. Although the promotion of money flow through consumer behavior is the unchanging law of economic growth, if consumers' consumption power fails to improve, this kind of money flow will not help much.

For example, most membership-based companies must require consumers to continuously purchase the company’s products or services, or store value, and prepay a certain amount before they can enjoy their benefits. Some rewards and benefits need to go through the hierarchy of levels. After the exploitation, ordinary consumers can pick up the fur, and then deceive consumers to continue to consume by promoting the welfare at the top of the pyramid. In addition, some mobile payment software provides convenient payment methods through cooperation with merchants, but merchants need to pay a certain percentage of fees to cooperate, which often results in lower quality of goods and services or transfer of costs to consumers, thereby reducing consumption Willingness to buy.

Therefore, how to solve the above-mentioned conventional problems and deficiencies, by enhancing consumer power, create a win-win situation for mobile payment companies, cooperative merchants, and consumers, and gradually narrow the gap between the rich and the poor. The creators of inventions and related manufacturers in this industry are eager to study and improve the direction.

Therefore, in view of the above-mentioned deficiencies, the creator of the present invention collected relevant information, evaluated and considered from many parties, and based on years of experience accumulated in this industry, through continuous trials and modifications, he began to design this kind of establishment that can establish consumption and savings. It is the patentee of the invention patent of the device and method of mobile payment rebate that provides a win-win situation for companies, businesses, and consumers, and provides a method of sharing wealth for all people.

The main purpose of the present invention is to not change the user's consumption habits, but only induce the user to enter the transaction amount through the transaction input unit, which can create 100% bonus rewards and a predetermined proportion of bonus rewards for the user, and by step by step The way to give back, develop the concept of user consumption is saving, and then enhance the user's consumption power.

Another main purpose of the present invention is to encourage users to promote the concept and practice of consumption as saving, and to advocate a method of sharing wealth for all, so as to satisfy the welfare of consumers, create profits for businesses, and achieve the good intentions of the company.

In order to achieve the above objectives, the main structure of the present invention includes: a system platform, a merchant record unit with information linked to the system platform, a transaction input unit with information linked to the merchant record unit, and a transaction input unit defined in the system platform and linked to the information The withdrawal unit of the transaction input unit, an information link to the full rebate module of the withdrawal unit, an information link to the shared rebate module of the withdrawal unit, and an information link to the promotion model of the transaction input unit Group, a promotion rebate unit defined in the promotion module and information linked to the transaction input unit, an information link to the full rebate module, the shared rebate module and the temporary storage unit of the promotion module, and an information link to the The power reduction rebate unit of the temporary storage unit, and a storage unit of information linking the power reduction rebate unit.

When a consumer uses the present invention to make mobile payment, the system platform first reads the list of the first cooperative merchant stored in the merchant record unit, and then uses the transaction input unit to record the first user (that is, the consumer itself) in the first A transaction amount generated by a cooperating merchant. At this time, the full rebate module generates a bonus to be rebated with the same value as the transaction amount, so as to use the reduced power rebate unit to withdraw a predetermined from the bonus to be rebated after each interval The actual rebate of the rebate ratio is finally stored and accumulated by the storage unit to generate a cumulative bonus, which can be used as a consumption discount. And when the transaction amount is generated, the shared rebate module will also generate a shared bonus at a predetermined sharing ratio, and after the predetermined sharing time is divided into at least one bonus to be returned according to the number of first users, and the bonus to be returned is the same Use the reduced power rebate unit to take out a predetermined rebate percentage from the to-be-returned bonus after each interval Gold, and the real bonus is for transfer to the financial account of the first user. In this way, every consumer's consumption is accumulating consumption power for themselves, and the rewards of dividends and bonuses are carried out in a declining manner, in response to the gradual saving habits, and the system platform actively distributes the bonuses to achieve gradually The idea of equal wealth also uses this incentive to create more revenue for businesses, thereby creating a win-win situation for companies, businesses, and consumers.

With the above-mentioned technology, it is possible to overcome the problems of conventional mobile payment, which are still profit-oriented, require consumers to pay first and then enjoy profits, and the meagre interests of consumers make the poverty gap wider, so as to achieve the practical progress of the above advantages. .

1, 1a, 1b, 1c, 1d, 1e‧‧‧System platform

11, 11a, 11d‧‧‧Business record unit

12, 12a, 12b‧‧‧transaction input unit

13a‧‧‧Withdrawal unit

2. 2a‧‧‧Full rebate module

21a‧‧‧Sales Evaluation Unit

3. 3a‧‧‧Sharing rebate module

4, 4a, 4b‧‧‧Promotion Module

41‧‧‧Promotion Rebate Unit

42b‧‧‧Promotion Statistics Unit

51, 51a, 51b‧‧‧temporary storage unit

52, 52a, 52c, 52d‧‧‧Storage unit

6, 6a, 6b‧‧‧Power reduction rebate unit

7c‧‧‧Bonus Loan Module

71c‧‧‧Handling fee feedback unit

8d‧‧‧Voucher Sharing Module

80d‧‧‧electronic voucher

81d‧‧‧Transfer sales unit

82d‧‧‧Transfer back unit

9e‧‧‧Live scheduling module

91e‧‧‧Live Search Unit

The first figure is a plan view of the first preferred embodiment of the present invention.

The second figure is a block diagram of the structure of the first preferred embodiment of the present invention.

The third figure is a block flow diagram of the first preferred embodiment of the present invention.

The fourth figure is a flowchart of the bonus block of the first preferred embodiment of the present invention.

The fifth figure is a flowchart of the shared block of the first preferred embodiment of the present invention.

Figure 6 is the feedback block flow diagram of the first preferred embodiment of the present invention.

The seventh figure is a block flow diagram of the store in the second preferred embodiment of the present invention.

The eighth figure is the rebate block flow chart of the second preferred embodiment of the present invention.

The ninth figure is the promotion block flow chart of the third preferred embodiment of the present invention.

The tenth figure is a schematic diagram of the membership level of the third preferred embodiment of the present invention.

Figure 11 is a schematic diagram of the turning point implementation of the fourth preferred embodiment of the present invention.

Figure 12 is a block flow diagram of the turning point action of the fourth preferred embodiment of the present invention.

Figure 13 is a schematic diagram of the voucher implementation of the fifth preferred embodiment of the present invention.

Figure 14 is a block flow diagram of the voucher action of the fifth preferred embodiment of the present invention.

Figure 15 is a block flow diagram of the live broadcast scheduling action of the sixth preferred embodiment of the present invention.

In order to achieve the above-mentioned purposes and effects, the technical means and structure adopted by the present invention are illustrated in detail below to illustrate the characteristics and functions of the preferred embodiments of the present invention for a complete understanding.

Please refer to Figures 1 to 3, which are a plan view to a block flow diagram of the first preferred embodiment of the present invention. From the figures, it can be clearly seen that the present invention includes: a system platform 1; An information link to the merchant record unit 11 of the system platform 1 is used to store a list of at least one first cooperative merchant; an information link to the transaction input unit 12 of the merchant record unit 11 is used to input at least one first user in the The transaction amount generated by the first cooperative merchant; an information link to the full rebate module 2 of the transaction input unit 12 for generating a bonus to be returned with the same value as the transaction amount; an information link to the shared rebate of the transaction input unit 12 Module 3 generates a shared bonus according to the predetermined sharing ratio of the transaction amount, and divides it into at least one returnable bonus according to the number of the first users after a predetermined sharing time; an information link to the promotion of the transaction input unit 12 Module 4, for the first user to promote the mobile payment rebate device to at least one second user; a promotion rebate unit 41 defined in the promotion module 4 and linked to the transaction input unit 12, is According to the transaction amount of the second user, a predetermined promotion ratio is generated as a reward bonus, and converted into an equivalent value to be returned; an information link to the full rebate module 2, the shared rebate module 3 and the promotion module The temporary storage unit 51 of 4 is used to store the pending bonus and the pending bonus; an information link to the reduced power rebate unit 6 of the temporary storage unit 51 is taken from the pending bonus after each interval A real return bonus with a predetermined rebate percentage, and a real return bonus with a predetermined rebate percentage is taken out of the to-be-returned bonus; and an information link to the storage unit 52 of the reduced power rebate unit 6 for storing the accumulated real return bonus. Generate a cumulative bonus, and accumulate the actual return bonus for storage to generate a cumulative bonus, wherein the cumulative bonus is for consumption discount, and the cumulative bonus is for transfer to the financial account of the first user.

The main steps of the mobile payment rebate method of the present invention include: (A) Merchant interpretation: A system platform 1 reads at least one list of first cooperative merchants stored in a merchant record unit 11, if the first user performs For general consumption, proceed to step (B). If the first user promotes the mobile payment rebate method, proceed to step (E); (B) consumption input: use a transaction input unit 12 to record the first The transaction amount generated by the user at the first cooperative merchant, and enter step (C) and step (D) at the same time; (C) full rebate: use a full rebate module 2 to generate a pending rebate with the same value as the transaction amount Bonus, go to step (G); (D) Shared rebate: A shared rebate module 3 is used to generate at least one shared bonus according to the predetermined sharing ratio of the transaction amount, and after a predetermined sharing time, it is equally divided into at least one pending bonus according to the number of first users. Go to step (G); (E) transaction promotion: the first user promotes the mobile payment rebate method to at least one second user through a promotion module 4; (F) promotion rebate: use a promotion rebate unit 41 According to the transaction amount of the second user, a predetermined promotion ratio is generated as a reward bonus, and converted into an equivalent value to be returned; (G) Rebate temporary deposit: a temporary storage unit 51 stores and accumulates the pending bonus And the return bonus; (H) Power reduction rebate: After each interval time, a power reduction rebate unit 6 is used to withdraw a predetermined rebate ratio of the actual rebate bonus from the rebate bonus, and from the return bonus A real return bonus with a predetermined rebate ratio; (I) Rebate accumulation I: The real return bonus and the real return bonus are stored and accumulated by a storage unit 52, and a cumulative bonus and a cumulative bonus are generated respectively, wherein the cumulative bonus is For consumption discount, and the jackpot is for transferring to the financial account of the first user; (J) Rebate accumulation II: If the first user continues to conduct general sales, go back to step (B), if not And the cumulative bonus or the jackpot has been reset to zero, proceed to step (X), if not, and the cumulative bonus and the jackpot have not returned to zero, then return to step (H); and the step (X) ends.

Based on the above description, we can understand the structure of this technology, and according to the corresponding cooperation of this structure, it has the ability to establish a high incentive for consumption that is saving, provide a method of equal wealth shared by the whole people, and build a company, merchants, and consumers. Win-win situation and other advantages, and a detailed explanation will be explained below.

Please also refer to the first to sixth figures, which are the plan view to the feedback block flow diagram of the first preferred embodiment of the present invention. When the above components are assembled, it can be clearly seen from the figures that the present invention Take the mobile application (APP) installed in the mobile electronic device as an example. From the consumer's point of view, once the consumer applies for membership, he can directly use the present invention without the need to pay, store value, or To purchase the products of the company to which the present invention belongs, consumers can follow their original consumption habits to consume at the first cooperative merchant stored in the merchant record unit 11, and only need to change to the transaction input unit 12 of the present invention to input the first user ( That is, the transaction amount generated by the consumer itself at the first cooperative merchant (such as steps A and B). Wherein, the payment method of the transaction amount can be cash payment, credit card payment, QR code payment, NFC payment or mobile network payment, and the input method of the transaction input unit 12 in this embodiment uses QR code scanning as For example.

Please refer to the fourth figure. When the system platform 1 recognizes that the transaction amount is generated by the designated first partner merchant, the full rebate module 2 will generate a bonus to be rebated with the same value as the transaction amount (as in step C ), for example, if the transaction amount is 10,000 yuan, the pending bonus is also 10,000 points. However, the rebate bonus is temporarily stored in the temporary storage unit 51 (as in step G), and the reduced power rebate unit 6 is used to withdraw a predetermined rebate ratio from the rebate bonus after each interval. , And the so-called reduced power rebate means that every time the actual rebate is withdrawn, the points of the actual rebate will be deducted from the rebate, and after the next interval, the new rebate will be calculated (as in step H). In other words, as long as you continue to use the present invention to consume, you can continue to accumulate pending bonuses. For example, 24 hours after the system platform 1 generates the rebate bonus (i.e. the interval), the rebate bonus will be withdrawn at a ratio of 5/10000 (i.e. the predetermined rebate ratio), so the first user can get the rebate bonus 5 Points, and get real bonus (10000-5)*5/10000=4.9975 points after the next day. In addition, the real bonus generated at each interval is stored and accumulated in the storage unit 52, and a cumulative bonus is generated and displayed on the system platform 1, and the cumulative bonus is available for consumption discount (as in step I). However, if the first user does not add other transaction amounts for a long time, the points of the real bonus may still decrease or even return to zero each time.

In addition, please refer to Figure 5. When the system platform 1 recognizes that the transaction amount is generated by the designated first partner merchant (as in step B), the shared rebate module 3 is based on the predetermined sharing ratio of the transaction amount. Generate a shared bonus, and after a predetermined sharing time, according to the number of first users, are equally divided into at least one bonus to be returned (as in step D), for example, if the transaction amount is 10,000 yuan, a 2% ratio (ie (Predetermined sharing ratio) is calculated to generate a shared bonus of 200 yuan. If there are three consumers who have generated a shared bonus of 200 yuan, 300 yuan, and 700 yuan respectively, after half a year (that is, the scheduled sharing time), the system platform 1 will separately An average of 400 yuan to be returned to the three consumers. However, the to-be-returned bonus is temporarily stored in the temporary storage unit 51 (as in step G), and the reduced power rebate unit 6 is used to withdraw a predetermined rebate percentage from the to-be-returned bonus after each interval. , And the so-called reduced power rebate means that every time the real return bonus is withdrawn, the real return bonus points will be deducted from the return bonus, and after the next interval, the new return bonus will be calculated (as in step H). The real bonus generated at each interval is stored and accumulated in the storage unit 52, and a progressive bonus is generated and displayed on the system platform 1, and the progressive bonus is available for transfer to the financial account of the first user (such as Step I). However, if the first user does not add other transaction amounts for a long time, the points of the real bonus may still decrease or even return to zero each time. For example, 24 hours after the system platform 1 generates a cumulative bonus of 600 yuan, the real bonus will be withdrawn at a ratio of 5/10000, which is the first The user can get the first real return bonus of 0.3 yuan after one day, and the real return bonus (600-0.3)*5/10000=0.29985 yuan after the second day. According to this, every consumer's consumption is accumulating consumption power for themselves, and dividends and bonuses are returned in a decreasing manner to echo the gradual saving habits.

In addition, even after consumers apply to become a member, if they do not make a consumption action, they can still use the promotion action to pay the rebate device and method (such as step A) to get the reward bonus. Please refer to Figure 6, the first user can introduce the device and method of mobile payment rebate to at least one second user through the promotion module 4 (as in step E), and make consumption in the second user During the behavior, the promotion rebate unit 41 is used to generate a predetermined promotion ratio of the rebate bonus according to the transaction amount of the second user, and convert it into an equivalent value to be returned (as in step F), which is also stored in the temporary storage unit Step 51 (as in step G). For example, when the first user recommends a second user, and the second user generates a transaction amount of 100 yuan, it will generate 1~6 according to the ratio of 1~6% (that is, the predetermined promotion ratio) The reward bonus of yuan will be converted into a return bonus of 1~6 yuan. Of course, the return bonus also needs to be slowly converted into a real return bonus through the power reduction rebate unit 6, and finally stored in the storage unit 52 in the form of a jackpot (such as steps H, I). In this way, even if the consumer himself (ie, the first user) is not strong in spending power, other recommended second users can still assist the first user to increase the jackpot and improve his spending power.

Please also refer to Figures 7 and 8, which are the store block flow chart and the rebate block flow chart of the second preferred embodiment of the present invention. In this embodiment, from the standpoint of the store, when the first cooperation After a merchant joins a member, due to the numerous incentives that are beneficial to consumers in the foregoing embodiment, consumers generally prefer to choose the first cooperative merchant who has joined the member when purchasing. In this way, the number of visitors can be effectively increased and consumption can be stimulated. It can be clearly seen from the figure that this embodiment is similar to the above-mentioned embodiment, but further includes: a withdrawal unit 13a defined in the system platform 1a and linked to the transaction input unit 12a, based on the transaction The amount is drawn from the first cooperative merchant with a predetermined percentage of the platform fee, and a sales evaluation unit 21a is defined in the full rebate module 2a, which is a predetermined growth rate based on the sum of the transaction amount during at least one sales cycle , Adjust the predetermined rebate ratio. When a consumer (such as the first user) conducts a transaction at the first cooperative merchant, a transaction amount will also be generated through the transaction input unit 12a. At this time, the system platform 1a uses the withdrawal fund extraction unit 13a to send the transaction amount according to the transaction amount. The first cooperative merchant draws a platform fee of a predetermined allocation ratio, where the allocation fund extraction unit 13a1 is drawn from the turnover of the first cooperative merchant (this embodiment uses a predetermined allocation ratio of 15% as For example), it is used as the source of funds for the system platform 1a to issue real return bonuses and real return bonuses, so the company to which the system platform 1a belongs does not need to sell any goods and services, and only serves as the first cooperative merchant and consumer The first cooperative merchant’s turnover is accumulated by the amount of each transaction of the consumer, and can be passed through the full rebate module 2a, the reduced power rebate unit 6a, the temporary storage unit 51a and the storage unit 52a, according to With the same rebate logic mentioned above, the actual rebate bonus issued by the system platform 1a is obtained. For example, if there are 10 consumers each purchased a product with a unit price of 1,000 yuan in the first cooperative merchant, the total transaction amount is 10*1000=10,000 yuan, and the system platform 1a can use the withdrawal unit 13a for 15 % Of the predetermined withdrawal ratio withdraws the platform fee of 1500 yuan, but the first cooperative merchant will also generate the same value as the platform fee through the full rebate module 2a, and temporarily store it in the temporary storage unit 51a for reuse The power reduction rebate unit 6a generates a real rebate of 0.6 to 0.9 yuan at a ratio of 4/10000 to 6/10000 (predetermined rebate ratio) per day (interval). In addition, the full rebate module 2a will also use the sales evaluation unit 21a to evaluate the turnover of the first partner merchant according to the sales cycle. If the positive growth rate or the negative growth rate meets the target, the predetermined rebate ratio will be adjusted accordingly, for example, 10/1~ The turnover of 10/10 is 100,000 yuan, and the turnover of 10/11~10/21 is 120,000. Therefore, in the 10-day sales cycle, the turnover meets 20% of the predetermined growth rate, and the predetermined rebate ratio will be changed from The flat 5/10000 is adjusted to the positive growth 6/10000. Therefore, when the turnover of the first cooperative business increases, the company's profit will increase. On the contrary, if the turnover decreases, the bonus will also decrease, and the power will be reduced. The diminishing rebate method of rebate unit 6a can also reduce the company's risk of loss.

As for the shared rebate module 3a, a shared bonus is also generated based on 5% of the platform fee (predetermined sharing ratio), and half a year later (predetermined sharing time) is divided into at least one pending bonus according to the number of first cooperative merchants. This sharing The logic is the same as that of consumers, so it can also achieve equal wealth among stores. Of course, if the first partner merchant uses the promotion module 4a to recommend the second partner merchant, the transaction amount generated by the consumer at the second partner merchant can also be provided with a predetermined promotion ratio (such as 0.5~3%). The reward bonus that is converted to the pending bonus, the reward logic is the same as that of the consumer. On the practical level, the recommended second partner merchant or user is a member of the company to which the system platform 1a belongs, so the first partner merchant can recommend the second partner merchant and second user. Similarly, A user can also recommend a second user and a second partner merchant, but the predetermined promotion ratio still needs to be determined by the recommender's membership level. For example: when the first user whose membership level is VIP recommends the second user (consumer) and the second partner merchant (store), and the second user and the second partner merchant each generate a transaction amount of 100 yuan , At this time, the first user can receive a 6% reward bonus from the second user and a 3% reward bonus from the second partner merchant.

From the standpoint of the store, the main steps of this mobile payment rebate method include: (A) Merchant interpretation: A system platform 1a reads at least one list of first cooperative merchants stored in a merchant record unit 11a. If the first cooperative merchant conducts general sales, then progress Step (B), if the first cooperative merchant promotes the mobile payment rebate method, proceed to step (F); (B) Consumption input: use a transaction input unit 12a to record the first user’s payment The transaction amount generated by the cooperative merchant; (C) Withdrawal of platform fee: a withdrawal of funds from the first cooperative merchant is drawn from the first cooperative merchant based on the transaction amount with a predetermined amount of platform fee, and at the same time, step (D) And step (E); (D) full rebate: use a full rebate module 2a to generate a bonus to be returned with the same value as the platform fee, go to step (H); (E) share rebate: use a shared rebate module 3a According to the predetermined sharing ratio of the platform fee, at least one sharing bonus is generated, and after a predetermined sharing time, it is equally divided into at least one pending bonus according to the number of the first cooperative merchants, and then proceed to step (H); (F) transaction promotion: The first cooperating merchant promotes the mobile payment rebate method to at least one second cooperating merchant through a promotion module 4a; (G) Promotion rebate: using a promotion rebate unit 41a to generate according to the transaction amount of the second cooperating merchant 1. Rebate bonus of a predetermined promotion ratio and converted into an equivalent value to be returned; (H) Rebate temporary deposit: store and accumulate the rebate bonus by a temporary storage unit 51a; (H1) Sales evaluation: use a sales evaluation unit 21a During at least one sales cycle, adjust the following predetermined rebate ratios according to the predetermined growth rate of the sum of the transaction amount; (I) Power-down rebate: use a power-down rebate unit 6a after each interval, from the waiting time A real return bonus with a predetermined rebate ratio is taken out of the bonus; (J) The rebate accumulation I is stored and accumulated by a storage unit 52a to generate a jackpot, and the jackpot is for transfer to the first cooperation Merchant’s financial account; (K) Rebate accumulation II: If the first partner merchant continues to carry out general sales, go back to step (B), if not and the pending bonus has been returned to zero, go to step (X), if not and If the pending bonus is not reset to zero, it returns to step (I); step (X) ends.

Please refer to the ninth and tenth figures, which are the promotion block flow chart and the membership level schematic diagram of the third preferred embodiment of the present invention. It can be clearly seen from the figure that this embodiment and the above embodiment are Similar to the small difference, it only provides another way for consumers to get the bonus to be returned. It also includes a promotion statistics unit 42b defined in the promotion module 4b and linked to the transaction input unit 12b for statistics. The total number of users and consumption amount, and when the total number and consumption amount reach the predetermined standard, a promotion bonus is generated, and converted into an equivalent value to be returned bonus and stored and accumulated in the temporary storage unit 51b. For example, when the number of first users to promote reaches 15, and the transaction amount of these 15 individuals reaches 50,000 yuan (that is, the total consumption is more than 750,000), the system platform 1b will issue a promotion bonus of 10,000 yuan to the first user. Users, and so on. The promotion bonus will also be accumulated in the bonus to be returned (as in step E1), and the rule of the reduced power rebate unit 6b will be used to rebate (the rules are as described above). Among them, the size of the predetermined promotion ratio is different according to the membership level, and the membership level will increase with the increase in the number of consumer promotions (but the same member cannot be recommended twice), please refer to section Shown in ten pictures. Furthermore, consumers of different membership levels cannot share with each other. Therefore, consumers in the same membership level will have the same shared bonus amount even if their spending power gap is large, thereby gradually narrowing the gap between the rich and the poor. , And realize the method of equal wealth shared by all people.

Please refer to Figures 11 and 12 at the same time, which are the schematic diagram of the turning point implementation and the turning point action block flow chart of the fourth preferred embodiment of the present invention. It can be clearly seen from the figure that this embodiment It is similar to the above-mentioned embodiment, but includes: a bonus loan module 7c linking the system platform 1c and the storage unit 52c, for the first user to lend the jackpot to the second user, and a bonus The handling fee feedback unit 71c in the bonus loan module 7c collects a handling fee from the second user, and the handling fee is shared by the system platform 1c and the storage unit 52c. Specifically, when the storage unit 52c of the first user has sufficient or surplus jackpots, and the second user has funding needs, the second user can solicit financial assistance through the system platform 1c, and when When the first user and the second user complete the match, the first user transfers the jackpot of the agreed amount between the two parties to the second user through the bonus loan module 7c, and when the second user obtains the jackpot, The second user set up the binding financial institution on the system platform 1c to pay the first user the jackpot, and the handling fee feedback unit 71c will charge the second user a handling fee, and the handling fee is determined by the first user. A user's storage unit 52c is shared with the system platform 1c. In this way, the jackpot earned by the second user can be transferred to his personal financial account, and the cash withdrawn is used directly, but the interest paid is only the set interest of general financial institutions (such as credit card companies), which is much lower than that of credit The interest of borrowing, cash card borrowing and other cash borrowing methods, and the first user can actually get back the loaned jackpots through financial institutions without any risk, and at the same time receive part of the commission rewards. With the above bonus loan module 7c, every user can become a personal bank. In addition to benefiting the system platform 1c, the first user, and the second user, it also solves the problem of automatic teller machines in remote areas. (Automated Teller Machine, ATM) insufficient settings. In addition, this lending method is also applicable to the relationship between the first cooperative merchant and the second cooperative merchant.

Please also refer to Figure 13 and Figure 14, which are the schematic diagram of the voucher implementation and the block flow diagram of the voucher action of the fifth preferred embodiment of the present invention. It can be clearly seen from the figure that the present The embodiment is similar to the above-mentioned embodiment. It only includes a voucher sharing module 8d that links the merchant record unit 11d with information, which is used by the first cooperative merchant to generate at least one electronic voucher 80d and issue it to the first partner. A user, and at least one electronic voucher 80d for the first user to log in on the system platform 1d, and a transfer sales unit 81d is defined in the voucher sharing module 8d for the second user to follow The predetermined transfer ratio of the denomination of the electronic voucher 80d is used as the transfer money, the electronic voucher 80d is purchased, and a transfer feedback unit 82d is defined in the voucher sharing module 8d for the system platform 1d and the The storage unit 52d shares the transfer money. The present invention can use the voucher sharing module 8d to replace the paper voucher issued by the first cooperative merchant, so as to reduce the cost of printing the paper voucher by the first cooperative merchant, and when the first cooperative merchant uses the voucher When the sharing module 8d issues the electronic voucher 80d to the first user, the first user can not only use it by himself, but also log the electronic voucher 80d to the system platform 1d when there is no need to use it. When the second user needs to use it, he can log in to the system platform 1d to search through the merchant record unit 11d to check whether the first partner merchant has other consumers logged in the electronic voucher 80d, and then the second user can use the transfer The sales unit 81d uses the predetermined transfer ratio of the denomination of the electronic voucher 80d as the transfer money, purchases the electronic voucher 80d, and the transfer feedback unit 82d makes the transfer money be shared by the system platform 1d and the storage unit 52d. For example, the face value of the electronic voucher 80d is 1,000 yuan, and the second user purchases the electronic voucher 80d at a rate of 5% (ie 50 yuan), and the 50 yuan is used by the system platform 1d and the storage unit 52d equally. In this way, not only can the utilization rate of the electronic voucher 80d be greatly increased, and the consumption of cooperative merchants can be promoted, and the first user and the system platform 1d can earn intermediary fees.

Please also refer to the fifteenth figure, which is a block flow chart of the live broadcast scheduling action of the sixth preferred embodiment of the present invention. It can be clearly seen from the figure that this embodiment is similar to the above-mentioned embodiment, but only The system platform 1e defines a live broadcast scheduling module 9e for the first cooperative merchant to log in to reserve live broadcast content, and the live broadcast scheduling module 9e defines a live search unit 91e. In this way, the first cooperative merchant can use the human resources of the system platform 1e to avoid the popularity required for operating the live broadcast or the advertising fee required by the live broadcast platform, and directly announce the upcoming live broadcast through the live broadcast scheduling module 9e Content, so that consumers can find live content through the live search unit 91e, and consumers who watch the live content through the live search unit 91e have a higher probability of having a higher probability of the first partner merchant’s products or services Interested parties, and increase the transaction probability.

However, the above descriptions are only preferred embodiments of the present invention, and are not limited to the scope of the present invention. Therefore, all simple modifications and equivalent structural changes made by using the description and drawings of the present invention should be the same. It is included in the scope of the patent of the present invention, and it is hereby stated.

In summary, the mobile rebate payment device and method of the present invention can indeed achieve its effects and purposes when used. Therefore, the present invention is truly an invention with excellent practicability and meets the requirements of an invention patent application. The application is filed in accordance with the law, and we hope that the review committee will approve the invention as soon as possible to guarantee the hard work of the creator. If the review committee has any doubts, please feel free to write instructions.

Claims (20)

A mobile payment rebate device, the mobile payment rebate device mainly includes: a system platform; a merchant record unit with information linked to the system platform for storing a list of at least one first cooperative merchant; and an information link linked to the merchant record unit The transaction input unit is used to input the transaction amount generated by at least one first user at the first cooperative merchant; a withdrawal unit defined in the system platform and linked to the transaction input unit is based on the transaction The amount draws a platform fee of a predetermined percentage from the first cooperative merchant; an information link to the full rebate module of the withdrawal unit for the withdrawal of funds, which is used to generate a returnable bonus with the same value as the platform fee; an information link The shared rebate module of the withdrawal gold withdrawal unit generates a shared bonus according to the predetermined sharing ratio of the platform fee, and after a predetermined sharing time, it is equally divided into at least one to-be-returned bonus according to the number of the first cooperative merchant; The promotion module linked to the transaction input unit is for the first partner merchant to promote the mobile payment rebate device to at least one second partner merchant; a promotion rebate defined in the promotion module and linked to the transaction input unit The unit is based on the transaction amount of the second partner merchant to generate a reward bonus of a predetermined promotion ratio, and convert it into an equivalent value to be returned; an information link to the full rebate module, the shared rebate module and the promotion model The temporary storage unit of the group is used to store the to-be-returned bonus; an information link to the reduced power rebate unit of the temporary storage unit is to take out a predetermined rebate percentage from the to-be-returned bonus after each interval. ; And a storage unit linked to the power reduction rebate unit for storing and accumulating the real return bonus to generate a jackpot, and the jackpot is for transferring to the financial account of the first cooperative merchant. For example, the mobile rebate payment device described in item 1 of the scope of patent application, wherein a sales evaluation unit is defined in the full rebate module, which is adjusted according to the predetermined growth rate of the sum of the transaction amount during at least one sales cycle Rebate ratio. For example, the mobile rebate payment device described in item 1 of the scope of patent application, which further includes: a bonus loan module linking the system platform and the storage unit to the first cooperative merchant to borrow the jackpot to the first partner 2. Cooperating merchants; and a handling fee feedback unit defined in the bonus loan module, charging a handling fee from the second cooperative merchant, and sharing the handling fee by the system platform and the storage unit. For example, the mobile payment rebate device described in item 1 of the scope of patent application, which further includes a voucher sharing module with information linking the merchant record unit, for the first cooperative merchant to generate at least one electronic voucher, and Issued to the first user. For example, the mobile payment rebate device described in item 1 of the scope of patent application, wherein the system platform defines a live broadcast scheduling module for the first partner merchant to log in to reserve live broadcast content, and the live broadcast scheduling module defines There is a live search unit for the first user to search for the reserved live broadcast content. A method for mobile payment rebate, the main steps of the mobile payment rebate method include: (A) a system platform reads at least one list of first cooperative merchants stored in a merchant record unit, if the first cooperative merchant performs For general sales, proceed to step (B). If the first cooperative merchant promotes the mobile payment rebate method, proceed to step (F); (B) use a transaction input unit to record the first user’s payment The transaction amount generated by the first cooperative merchant; (C) A withdrawal fee is drawn from the first cooperative merchant according to the transaction amount by a platform fee of a predetermined withdrawal ratio, and steps (D) and (E) ); (D) Use a full rebate module to generate a bonus with the same value as the platform fee, and proceed to step (H); (E) use a shared rebate module to generate at least A shared bonus, and after a predetermined sharing time is divided into at least one pending bonus according to the number of the first cooperative merchant, go to step (H); (F) the first cooperative merchant promotes the mobile payment through a promotion module The method of rebate to at least one second partner merchant; (G) Use a promotion rebate unit to generate a predetermined promotion ratio of the rebate bonus based on the transaction amount of the second partner merchant, and convert it to an equivalent value to be returned; (H) ) A temporary storage unit stores and accumulates the pending bonus; (I) Use a reduced power rebate unit to take out a predetermined rebate percentage from the to-be-returned bonus after each interval; (J) store and accumulate the rebate bonus by a storage unit to generate a Jackpot, and the jackpot is for transferring to the financial account of the first partner merchant; (K) If the first partner merchant continues to conduct general sales, go back to step (B), if not and the pending bonus has been Go to step (X) when returning to zero, if no and the pending bonus has not been returned to zero, return to step (I); step (X) ends. For example, the method of action payment rebate described in the scope of patent application, which further includes step (H1) using a sales evaluation unit to adjust the predetermined rebate ratio according to the predetermined growth rate of the sum of the transaction amount in at least one sales period . For example, the mobile rebate payment method described in item 6 of the scope of patent application further includes: step (J1) using a bonus loan module for the first cooperative merchant to loan the jackpot to the second cooperative merchant; step (J2) ) Using a fee feedback unit to collect a fee from the second cooperative merchant, and the system platform and the storage unit share the fee. For example, the mobile payment rebate method described in item 6 of the scope of patent application, which further includes a voucher sharing module with information linking the merchant's record unit for the first cooperative merchant to generate at least one electronic voucher, and Issued to the first user. For example, the mobile payment rebate method described in item 6 of the scope of patent application, wherein the system platform defines a live broadcast scheduling module for the first partner merchant to log in to reserve live broadcast content, and the live broadcast scheduling module defines There is a live search unit for the first user to search for the reserved live broadcast content. A mobile payment rebate device, the mobile payment rebate device mainly includes: a system platform; a merchant record unit with information linked to the system platform for storing a list of at least one first cooperative merchant; and an information link linked to the merchant record unit The transaction input unit is used to input the transaction amount generated by at least one first user at the first cooperative merchant; an information link to the full rebate module of the transaction input unit is used to generate a transaction amount Rebate of the same value; an information link to the shared rebate module of the transaction input unit generates a shared bonus based on the predetermined sharing ratio of the transaction amount, and after a predetermined sharing time according to the number of first users Divided into at least one bonus to be returned; a promotion module linked to the transaction input unit for the first user to promote the mobile rebate payment device to at least one second user; one is defined in the promotion module and The information linked to the promotion rebate unit of the transaction input unit is based on the transaction amount of the second user to generate a predetermined promotion ratio of the rebate bonus, and convert it into an equivalent value to be returned; an information link to the full rebate module, The shared rebate module and the temporary storage unit of the promotion module are used to store the pending bonus and the pending bonus; an information link to the reduced power rebate unit of the temporary storage unit is after each interval time. Take out a real rebate bonus with a predetermined rebate ratio from the rebate bonus, and take out a real rebate bonus with a predetermined rebate ratio from the rebate bonus; and a storage unit linked to the reduced power rebate unit to store the accumulated real A cumulative bonus is generated by rebate, and a cumulative bonus is generated for accumulating the real bonus, wherein the cumulative bonus is for consumption discount, and the cumulative bonus is for transfer to the financial account of the first user. The mobile payment rebate device described in item 11 of the scope of patent application, which further includes a promotion statistics unit defined in the promotion module and linked to the transaction input unit for counting the total number of the second user And the consumption amount, and when the total number of people and consumption amount reach the predetermined standard, a promotion bonus will be generated, which will be converted into an equivalent value to be returned and stored in the temporary storage unit. For example, the mobile rebate payment device described in item 11 of the scope of patent application, which further includes: a bonus loan module linking the system platform and the storage unit to the first user to borrow the jackpot to the first user Two users; and a handling fee feedback unit defined in the bonus loan module, which charges a handling fee from the second user, and the handling fee is shared by the system platform and the storage unit. For example, the mobile payment rebate device described in item 11 of the scope of the patent application, which further includes: a voucher sharing module linking the information to the merchant record unit for the first user to log in At least one electronic voucher is on the system platform; a transfer sales unit defined in the voucher sharing module is for the second user to use the predetermined transfer ratio of the denomination of the electronic voucher as transfer money, Purchase the electronic voucher; and a transfer return unit defined in the voucher sharing module for the system platform and the storage unit to share the transfer money. For example, the mobile payment rebate device described in item 11 of the scope of patent application, in which the system platform defines a live broadcast scheduling module for the first partner merchant to log in to reserve live broadcast content, and the live broadcast scheduling module defines There is a live search unit for the first user to search for the reserved live broadcast content. A method for mobile payment rebate, the main steps of the mobile payment rebate method include: (A) a system platform reads at least one list of first cooperative merchants stored in a merchant record unit, if the first user performs general For consumption, proceed to step (B). If the first user promotes the mobile payment rebate method, proceed to step (E); (B) use a transaction input unit to record the first user’s status in the first user A transaction amount generated by a partner merchant, and proceed to step (C) and step (D) at the same time; (C) Use a full rebate module to generate a bonus to be rebated with the same value as the transaction amount, and proceed to step (G); D) Use a shared rebate module to generate at least one shared bonus according to the predetermined sharing ratio of the transaction amount, and divide it into at least one pending bonus according to the number of first users after a predetermined sharing time, and proceed to step (G) (E) The first user promotes the mobile payment rebate method to at least one second user through a promotion module; (F) uses a promotion rebate unit to generate a rebate based on the transaction amount of the second user The reward bonus of the predetermined promotion ratio is converted into an equivalent value to be returned; (G) A temporary storage unit stores and accumulates the pending bonus and the pending bonus; (H) Uses a reduced power rebate unit in each After the interval, withdraw a real return bonus with a predetermined rebate percentage from the pending bonus, and withdraw a real return bonus with a predetermined rebate percentage from the pending bonus; (I) the real return bonus is stored and accumulated by a storage unit And the actual return bonus, and one A cumulative bonus and a cumulative bonus, in which the cumulative bonus is for consumption discount, and the cumulative bonus is for transfer to the financial account of the first user; (J) if the first user continues to carry out general sales, return Go to step (B), if no and the cumulative bonus or the jackpot has been zeroed, then go to step (X), if not and the cumulative dividend and the jackpot have not been zero, go back to step (H); (X) The step is over. For example, the method of mobile payment rebate as described in item 16 of the scope of patent application, which further includes the step (E1) using a promotion statistics unit to count the total number of people and consumption amount of the second user, and when the total number and consumption amount reach When the standard is predetermined, a promotion bonus is generated and converted into an equivalent bonus to be returned, and then step (G) is entered. For example, the mobile rebate payment method described in the scope of patent application, which further includes: step (I1) using a bonus loan module for the first user to loan the jackpot to the second user; step (I2) ) A fee feedback unit is used to collect a fee from the second user, and the fee is shared by the system platform and the storage unit. For example, the mobile payment method of rebate described in the scope of patent application, which further includes: a voucher sharing module linked to the merchant’s record unit for the first user to log in at least one electronic voucher in the System platform; a transfer sales unit defined in the voucher sharing module for the second user to purchase the electronic voucher according to the predetermined transfer ratio of the denomination of the electronic voucher as transfer money; and The transfer return unit defined in the voucher sharing module is for the system platform and the storage unit to share the transfer money. For example, the mobile payment rebate method described in item 16 of the scope of patent application, wherein the system platform defines a live broadcast scheduling module for the first partner merchant to log in to reserve live broadcast content, and the live broadcast scheduling module defines There is a live search unit for the first user to search for the reserved live broadcast content.

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