TWI825411B - Preferential processing system and method and computer readable medium - Google Patents

Abstract

The present application discloses a preferential processing system and method, which first sets a discount plan information, and then generates a carrier-consolidation setting data in accordance with a user’s carrier-consolidation setting, and when receiving boarding data and transaction data generated by the user’s electronic payments from a transport company’s information system, the boarding data and transaction data will be compared to the carrier-consolidation setting data to confirm that the boarding data and transaction data belong to the same user, and then the user’s boarding data and transaction data is compared with the discount plan information to generate a settlement result so as to return a feedback content corresponding to the settlement result to a payment account set by the user. The present invention further provides a computer-readable medium for performing the preferential processing method of the present invention.

Description

Discount processing system, method and computer-readable storage medium

The present invention relates to a preferential processing technology. Specifically, it relates to a preferential processing system, method and computer-readable medium for electronic payment.

With the development of science and technology, people's lives are becoming more and more convenient. People no longer only use cash to pay for consumption. Non-cash payment tools such as electronic tickets, electronic payments or mobile payments have gradually become a trend.

Generally speaking, electronic tickets are "chips, cards, vouchers or other forms of debt that "store monetary value" in electronic, magnetic or optical form and contain data storage or calculation functions as a multi-purpose payment tool." For example: Easy Card or All-in-One Card. Electronic payment institutions "use the Internet or electronic payment platforms as intermediaries to accept users' registration and opening of accounts that record fund transfers and stored value (referred to as electronic payment accounts), and use electronic devices to transmit receipts online. Payment information, a company that operates between the payer and the payee as an agency to collect and pay actual transaction payments, "receive stored value funds" and transfer funds between electronic payment accounts. Mobile payment refers to "consumers using smart mobile devices to verify and transmit through identity verification such as passwords or biometrics, code scanning, near-field communication (NFC) sensing, or combination with advanced applications related to the Internet of Things." technology, practicality Checkout payment in a physical store, actual transaction payment method for obtaining goods or using services", such as: Apple Pay, Line Pay. Currently, electronic tickets, electronic payments, and mobile payments may have some overlap in definition and scope.

However, no matter which non-cash payment method is used, in terms of transportation, since there may be different preferential plans between regions, and the ride information between different transportation operators is also different, they must also correspond to different payment methods. Therefore, how to quickly and provide better integrated liquidation feedback is a challenge for the industry.

In order to solve the above problems and other problems, the present invention discloses a preferential processing system, method and computer-readable medium.

The preferential processing system of the present invention includes: a preferential rule module for setting a preferential plan information; a payment tool return module for responding to a user's return setting to generate a return setting information; The bus record module is used to receive a ride data and a transaction data; and the discount clearing module is used to compare the ride data and the transaction data with the home setting information to calculate the ride data and the transaction. When the data belongs to the user, the user's ride data and transaction data are matched with the discount plan information to produce a clearing result.

In one embodiment, the preferential processing system of the present invention further includes a payment feedback module, which transmits the settlement result to a payment feedback system, so that the payment feedback system will provide feedback content of the settlement result. Feed back to the user, where the feedback content is fed back to the user's payment account. The payment account is set by the user or preset in the preferential plan information when the account is set, and the payment account is the same. or an account different from that payment instrument, where the result of the match is If at least one preferential plan is generated, the settlement result is generated based on the one with the highest reward amount, the one with the highest usage frequency, the mixed weighting or the one selected by the user from the at least one preferential plan. In another embodiment, the preferential rule module of the present invention is further used to set an operator information and a payment instrument information. In another embodiment, the payment instrument homing module of the present invention is further used to generate user identification information in response to a registration request of the user, so as to attribute the homing setting information to the user identification information.

The preferential processing method of the present invention includes: setting a preferential plan information; responding to a user's home setting information to generate a home setting information; receiving a ride data and a transaction data; and combining the ride data and the transaction data. Compare with the home setting information, so as to match the user's ride information and transaction information with the discount plan information when the ride information and transaction information belong to the user, so as to generate a clearing Calculate the results.

In one embodiment, the preferential processing method of the present invention further includes: feeding back one of the feedback contents of the settlement result to the user, wherein the feedback content is fed back to the user's payment account, and the payment account is in When the account is set, it is set by the user or preset in the preferential plan information, and the payment account is the same as or different from the account of the payment instrument, and the result of the matching generates at least one preferential plan. The settlement result is generated based on the one with the highest reward amount, the one with the highest frequency of use, the mixture weighting, or the one selected by the user from the at least one preferential program in the at least one preferential program. In another embodiment, the preferential processing method of the present invention further includes: setting an operator information and a payment instrument information. In another embodiment, the preferential processing method of the present invention further includes: in response to a registration request of the user, generating user identification information to attribute the account setting information to the user identification information.

In addition, the preferential plan information of the present invention includes preferential period, preferential area, feedback content, operator type, and payment instrument name. The ride information of the present invention includes operator type, starting station and its time, and ending station and its time. The transaction information of the present invention includes transaction amount, payment instrument, and payment time.

The invention further provides a computer-readable storage medium, which is used in a computer and stores instructions to execute the above preferential processing method.

Therefore, the preferential processing system, method and computer-readable storage medium of the present invention provide the setting of preferential plans to establish different preferential feedback conditions. The preferential processing system, method and computer-readable storage medium of the present invention provide a home-homing function to integrate and identify the user's different mobile payment or electronic payment instruments. The discount processing system, method and computer-readable storage medium of the present invention provide transportation operator data interface specifications to aggregate different types of ride transaction data. The preferential processing system, method and computer-readable storage medium of the present invention provide a preferential clearing and settlement mechanism to reduce the system costs of each payment provider interfacing with different transport operators for clearing and settlement.

11: Preferential subsidy units

12: Client device

13: Transport operator information system

15: Payment feedback system

2: Discount processing system

21: Discount rules module

22: Payment tool return module

23:Ride record module

24: Discount clearing module

25: Payment feedback module

S201~S206: steps

Figure 1 is a block diagram of the preferential processing system of the present invention.

Figure 2 is a schematic flow chart of the preferential processing method of the present invention.

The following uses specific embodiments to illustrate the implementation of the present disclosure. Those skilled in the art can easily understand other advantages and effects of the present disclosure from the content disclosed herein. The structures, proportions, dimensions, etc. shown in the drawings attached to the present disclosure are only used to match the content disclosed in the description and are intended for people familiar with the art to understand and read. They are not used to limit the conditions under which the disclosure can be implemented. .

Please refer to Figure 1, which schematically illustrates the structure of the preferential processing system of the present invention. The preferential processing system 2 connects the preferential subsidy unit 11, the client device 12, the transportation operator information system 13, and the payment feedback system 15 through the network, and includes preferential rules. Module 21, payment tool return module 22, ride record module 23, discount settlement module 24, payment feedback module 25.

In one embodiment, each module in Figure 1 can be software, hardware or firmware; if it is hardware, it can be a processing unit, processor, computer or server with data processing and computing capabilities; If it is software or firmware, it may include instructions executable by a processing unit, processor, computer or server.

The preferential rule module 21 is used for connecting to the preferential subsidy unit 11 to set an operator information (for example: transport operator name and transport operator type), a payment tool information (for example: payment tool name, payment tool type, payment tool APP suite) Name), a discount plan information (for example: discount period, discount area, feedback content, type of transportation operator, name of payment instrument).

In one embodiment, global relevant information can be set for the user to use the present invention while traveling abroad. If the user uses a partner's system, the invention can also be used. In addition, preferential subsidy units 11 around the world can input relevant information, and then the preferential rule module 21 of the present invention automatically converts it into content that conforms to its format.

The payment tool homing module 22 is used to connect the user's client device 12 to generate user identification information in response to a registration request of the user, and attribute the homing setting information to the user identification information. The payment instrument household module 22 further responds to a household setting of the user and generates a household setting information, so as to attribute the household setting information to the user identification information. It should be noted that the user can register as a member through the client device 12 (for example: the user's mobile phone) to obtain the member identification code. In addition, the user can register as a member through the client device 12 (for example: the user's mobile phone or other devices with home-returning functions). Machine) to register information such as mobile payment, electronic payment, electronic tickets, etc., so that these information are attributed to the member identification code. In addition, mobile payment refers to the method of binding a mobile device to a credit card as a payment vehicle, while electronic payment refers to having an independent electronic payment account that can be used for transactions or transfers.

The ride record module 23 is used to receive ride data and transaction data from the transportation operator information system 13 . Transport operator information system 13 series includes: bus ride transaction information system, MRT ride transaction information system, taxi ride transaction information system, etc.

In one embodiment, the ride transaction information system of the cooperative operator can also be used to implement the present invention while traveling abroad.

The discount clearing module 24 compares the ride data and the transaction data with the home setting information to determine that the ride data and the transaction data belong to the user, and combines the ride data and the transaction data of the user Matching is done with the preferential program information to produce a clearing result, which is the feedback content that the user may receive. Since each region may have its own discount plan, each transportation operator may have its own ride or transaction data. Here, the discount clearing module 24 first determines that these data belong to the same user, and then identifies whether these ride behaviors correspond to one Or multiple preferential plans to provide users with choices, for example: among multiple preferential plans, the one with the highest reward amount will be the successful match, or the reward amount will be automatically sorted for users to choose. Another example: among multiple preferential plans, the one with the highest frequency of use is used as the successful matchmaker, or the reward amount and frequency of use are combined in a mixed and weighted manner to achieve customization (selected by the user, the system, or learned through system learning). ) provides the one that best meets user needs.

In one embodiment, partners can also integrate their preferential plan information to provide users with better feedback content. For example: Domestic and foreign partners also provide feedback content through cooperation, and use a hybrid weighting method (for example: domestic weights are different from foreign weights) to combine the feedback amount, frequency of use and/or the above-mentioned cooperation methods to provide customers with feedback through cooperation. Customization (selected by the user, the system, or learned through system learning) provides the one that best meets the user's needs.

The payment feedback module 25 transmits the settlement result to the payment feedback system 15 so that the payment feedback system 15 can feed back one of the feedback contents of the settlement result to the payment account set by the user. In addition, the payment account can be set by the user when returning to the account, or preset by the relevant unit in the preferential plan. In one embodiment, if the reward amount is given to different payment accounts of the same user, for example, an electronic ticket is used as a payment tool but the reward amount is expected to be given to the mobile payment payment account instead of being given back to the electronic ticket, then the reward account is first transferred. The money is given to these operators, who then transfer it to the user.

Please refer to Figure 2, which schematically illustrates the flow of the preferential processing method of the present invention, including steps S201~S206.

In step S201, preferential plan information is set. In this step, the operator information and payment instrument information can be set together. Then proceed to step S202. In addition, the discount plan information such as: discount period, discount area, feedback content, operator type, payment instrument name, and operator information such as: transportation operator name and transportation operator type, and payment instrument information such as: payment instrument name, payment instrument type, The name of the payment tool APP suite.

In step S202, in response to the user's home setting, home home setting information is generated. In this step, user identification information is first generated in response to the user's registration request, and then the account setting information is attributed to the user identification information. Then proceed to step S203.

It should be noted that step S201 is for the discount subsidy unit to connect to the discount processing system to set various information, and step S202 is for the user to use the client device to register as a member to use the electronic payment, mobile payment or electronic payment method used by the individual. Information such as tickets is returned to the account, so steps S201 and S202 can be performed simultaneously, sequentially or in reverse order.

In step S203, ride information and transaction information are received. Specifically, users take bus MRT and use electronic payment, mobile payment or electronic payment as payment tools, and transport operator information The system will transfer the ride data and transaction data to the discount processing system. In addition, the ride information includes: type of transportation operator, starting station and time, destination station and time, and transaction information includes: transaction amount, payment instrument, and payment time. Then proceed to step S204.

In step S204, the ride data and transaction data are compared with the home setting information to determine that the ride data and transaction data belong to the user. In other words, first confirm that the ride information and transaction information belong to the same member. Then proceed to step S205.

In step S205, the user's ride information and transaction information are matched with the preferential plan information to generate a clearing result. In other words, based on the same member's ride data and transaction data, it is searched in the discount plan information to see whether a discount calculation is required. If a discount calculation is required, the feedback content of each payment instrument is cleared according to the conditions in the plan. Then proceed to step S206.

In step S206, the feedback content of the settlement result is fed back to the payment account set by the user. In this step, the discount processing system will transfer the user's payment account, discount plan, settlement time, and reward amount to the payment feedback system, so that the payment feedback system will transfer the reward amount to the account of the payment instrument.

A specific embodiment is given below to illustrate the application and implementation of the present invention. Please refer to the following Tables 1 to 5 for description.

In the discount processing system, the set operator information (transporter name, transport operator type), payment tool information (payment tool name, payment tool type, payment tool APP package name), discount plan information (discount period, discount area, Feedback content, transport operator type, payment tool name) are shown in Table 1.

Table I

In the preferential processing system, the user's electronic tickets or electronic payments are classified into the same member account, as shown in Table 2. For example, the user first registers as a member and generates a member identification code; then registers electronic tickets or electronic payment information, specifies the electronic payment App for feedback and sets up the electronic payment App for feedback; the discount processing system combines the electronic tickets and electronic payment accounts registered by the user. Return to membership.

Table II

When the user pays the fare with electronic payment or electronic ticket, the transportation operator information system will transfer the ride and transaction data to the discount processing system. The user's ride information (type of transportation operator, starting station and time, destination station and its time) and transaction information (transaction amount, payment instrument, payment time), as shown in Table 3.

Table 3

The discount processing platform performs calculation based on the discount plan information and ride transaction data, which is divided into two steps: compare the ride and transaction data with the member's account settings to confirm that the data belongs to the same member; compare the ride and transaction data of the same member Match the conditions with the conditions in the preferential plan information to find out whether preferential calculation is required; if preferential calculation is required, the feedback content of each payment instrument is sorted and calculated according to the conditions in the plan. The sorting results are shown in Table 4.

Table 4

The feedback results after clearing are transmitted to the designated payment provider system according to the account attribution settings, and the feedback content is fed back to the user account through the payment provider system; the discount processing system will transfer the user's payment account, discount plan, settlement time, and feedback The amount is sent to the payment provider's system, whereby the reward amount is transferred to the user's account, as shown in Table 5. Table 5 lists the payment account set in the preferential plan or when the user logs in, the highest reward amount among multiple preferential plans or the preferential plan selected by the user, the settlement time of the ride behavior, according to the second column The calculated rebate amount for the discount plan. For example, when the discount processing platform receives the ride transaction data as shown in Table 3, it can use the payment tool identification data to confirm the member, such as the user in Table 2, and then match the discount plan information, as shown in Table 1 Discount plan 2 is a 20% transfer discount. If you use this plan to sort out and calculate the ride transaction data in Table 3, you can get the rebate amount in Table 4.

Table 5

The present invention also provides a computer-readable storage medium, which is used in a computer or computing device with a processor and/or memory, and stores instructions. The computer or computing device passes the processor (for example, CPU, GPU, etc.) and/or Or the memory executes the above preferential processing method through instructions.

To sum up, the present invention provides a preferential processing system, method and computer-readable storage medium. The system can provide preferential subsidy units in various regions to establish preferential plans, and users can use electricity bills and electricity payments, etc. After the payment tool is returned to your home, you can use electronic payment or e-ticket to pay the fare when taking transportation. This system interfaces with the transportation operator's information system to obtain the payment transaction ride record, generates feedback content through the clearing mechanism, and stores the feedback content It is transmitted to the payment provider, and the preferential feedback content is fed back to the user's payment account.

The above embodiments are only illustrative of the effects of the present disclosure and are not used to limit the present disclosure. Anyone skilled in the art can modify and change the above embodiments without departing from the scope of the present disclosure. The scope of rights protection of this disclosure should be as listed in the patent application scope described below.

S201~S206: steps

Claims (10)

A preferential processing system includes: a preferential rule module, used to set a preferential plan information, the preferential plan information includes preferential period, preferential area, feedback content, business type, payment instrument name; payment instrument return module, Used to respond to a user's one-home setting to generate one-home setting information. The user registers in the discount processing system to obtain a member identification code. The user registration includes mobile payment, electronic payment, and electronic ticket payment. A tool that enables all registered payment tools to belong to the member identification code; a ride record module that is used to receive ride data and transaction data from a transportation operator information system using payment tools; and a discount settlement module , compare the ride information and the transaction data with the home setting information, so that when the ride information and the payment instrument in the transaction data belong to the user's member identification code, the user's ride information and the user's membership identification code The transaction data is matched with the discount plan information to generate a clearing when the payment time, payment instrument, and transportation operator type in the ride information and the transaction information have corresponding discount plans in the discount plan information. Calculation results, wherein the matching result generates at least one preferential plan, based on the one with the highest reward amount, the most frequently used, mixed weighting or the one selected by the user from the at least one preferential plan. Generate the settlement result; and the payment feedback module transmits the settlement result to a payment feedback system, so that the payment feedback system can feed back one of the feedback contents of the settlement result to the user, wherein , the feedback content is fed back to the payment account belonging to the member ID of the user. The preferential processing system as described in request item 1, wherein the payment account is set by the user or preset in the preferential plan information during the account setting, and the payment account is the same as or different from the payment instrument account. The preferential processing system as described in claim 1, wherein the preferential rule module is further used to set an operator information and a payment instrument information. The preferential processing system as described in request item 1, wherein the payment tool account module is further used to respond to a registration request of the user and generate a user identification information, so as to attribute the account setting information to the user identification information . A preferential processing method in a preferential processing system includes: the preferential processing system receives and stores a preferential plan information, the preferential plan information includes preferential period, preferential area, feedback content, business type, and payment instrument name; The preferential processing system responds to a user's one-home setting to generate one-home setting information. The user registers in the preferential processing system to obtain a member identification code. The user registration includes mobile payment, electronic payment, and electronic tickets. payment instrument, so that all registered payment instruments belong to the member identification code; the discount processing system receives ride information and transaction data of the payment instrument used from a transportation operator information system; the discount processing system converts the ride information and compare the transaction information with the account setting information, so as to compare the user's ride information and the transaction information with the offer when the ride information and the payment instrument in the transaction information belong to the user's member identification code The plan information is matched to produce a clearing result when the payment time, payment instrument, and transportation operator type in the ride information and transaction information have corresponding preferential plans in the preferential plan information. Wherein, the result of the matching is to generate at least one preferential plan, so as to generate the clearing based on the one with the highest reward amount, the one with the highest frequency of use, the mixed weighting or the one selected by the user among the at least one preferential plan. The settlement result; and the preferential processing system transmits the settlement result to a payment feedback system, so that the payment feedback system will feed back one of the feedback content of the settlement result to the user, wherein the feedback content is Return to the payment account belonging to the member ID of the user. The preferential processing method as described in request item 5, wherein the payment account is set by the user or preset in the preferential plan information when setting up the account, and the payment account is the same as or different from the payment instrument account. The preferential processing method described in claim 5 further includes: the preferential processing system sets an operator information and a payment instrument information. The preferential processing method described in claim 5 further includes: the preferential processing system generates user identification information in response to a registration request of the user, so as to attribute the account setting information to the user identification information. The preferential processing method as described in request item 5, wherein the ride information includes operator type, starting station and time, destination station and time, and the transaction information includes transaction amount, payment instrument, and payment time. A computer-readable storage medium, used in a computer, stores instructions to execute the preferential processing method described in any one of claims 5 to 9.

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