TWM515165U - Bank bonus point exchange system - Google Patents

Description

Bank bonus point exchange system

This creation is about a bank bonus point exchange system, especially a system and method that can cooperate with various banks to convert bank bonus points into consumption point data, so as to make consumers use more points. Liberalization, diversification of commodity prices, and the purpose of increasing the willingness to exchange points.

With the changes of the times, goods trading is no longer just cash. Banks have introduced plastic money such as credit cards, so that the public can consume without having to carry large amounts of cash, which will improve convenience. Therefore, the function of the credit card is also due to the business opportunities brought about by the widespread use, so that major chain stores and bankers jointly launch joint credit cards, from the initial development of simple card swiping to the current consumption and accumulation of bonuses or points and other functions. .

However, the biggest problem at present is that the products and services that can be exchanged for the bonus points generated by each credit card are different. Therefore, consumers will also hold a number of different credit cards to accumulate bonus points in order to be able to Redeem different goods and services, but bonus points and discounts are often limited by the issuing bank's regulations. Therefore, if consumers are interested in new discounts and other promotions, consumers must apply for a new one. Credit card, and re-swipe to accumulate bonus points, if consumers must accumulate a certain bonus point to be able to carry out discounts and other promotions, but such discounts and other promotions often have a deadline, which will make consumers It is difficult to achieve discounts and other promotional activities with bonus points.

In addition to the bonus points of the above credit cards, the most popular marketing activities of the major supermarkets and department stores are that after the consumers purchase the goods, they can give a certain amount of consumption points. In exchange for other goods or services, this type of activity, in addition to allowing consumers to directly use the accumulated points to redeem the corresponding goods, even the same small gifts such as limited dolls, will provide consumers with a brand new shopping In addition to experiencing and increasing consumer willingness, it will also bring huge business opportunities for the industry to open up new market territory.

Therefore, if the bonus points generated by the credit card can be combined with the consumption points, and the bonus points of different banks can pass different exchange rates, the dividend points of different banks can be directly converted into consumption points. In this way, when consumers are allowed to convert the bonus points accumulated by all the credit cards held by them into consumption points, they will be able to obtain a large number of points of consumption, so that they can be applied and exchanged. There will be more goods or services. If the bank can open up and the consumption points can also be applied to discounts and other preferential activities, it will be able to solve the problem that credit card credit consumption is insufficient to accumulate enough bonus points, so it is impossible to participate in the discount immediately. The issue of preferential activities, such as this should be the best solution.

This creation is about a bank bonus point exchange system, which can combine the bonus points generated by financial institutions to issue cards and the points used for consumption, and enable the dividend rates of different banks to pass different exchange rates. The bonus points of different banks can be directly converted into consumption points, which will enable consumers to use more points, diversify their products, and increase the willingness to exchange points.

The above-mentioned bank bonus point exchange system can be achieved, which includes: a member point platform, The system includes a member management module for establishing a member basic information as a member account, and is capable of logging at least one card into a member account, and establishing a point account according to the member account; The management module is connected to the member management module, and is configured to store at least one consumption point data in the point account corresponding to the member account; and several bank control platforms include a bonus point The number query module is used to query the bank's central control platform for the bonus point data of the card issued by the financial institution by issuing a card information of a financial institution; a bonus exchange point module is associated with the bonus The point query module is connected, and the bonus redemption point module can convert the bonus point data of the financial institution issuing card into the consumption point data according to a bonus exchange mode; a multimedia terminal machine with a display screen, Set in a physical store, the multimedia terminal machine includes a bonus point query module capable of displaying at least one bonus point on the display screen The inquiry page is used to input the card information of the card issued by the financial institution, and after the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, the card is issued by the financial institution. The card information is queried in the bank's central control platform, and displays the bonus point data of the card issued by the financial institution on the display screen; a bonus point redemption module is connected with the bonus point query module. For displaying at least one bonus point redemption selection page on the display screen, the bonus redemption mode can be displayed on the bonus point redemption selection page, and after being selected, the multimedia terminal machine is connected to the The financial institution issues a bank control platform corresponding to the card, and converts the bonus point data of the card issued by the financial institution into consumption point data according to the selected dividend exchange mode; And the bonus point redemption module is connected to display at least one member returning page on the display screen, the member is returned The selection page has at least one member affiliation option; a registrar voucher conversion module is connected with the member affiliation module, and after selecting one of the member vesting options, the registrar voucher conversion module Ability to exchange the points of consumption data Converted into a home vouchers, and the vouchers and their corresponding points of consumption data are returned to the point management module of the member points platform; a redemption voucher output module is associated with the return The account voucher conversion module is connected to output a voucher file having a voucher certificate; a print job module is connected to the voucher output module for outputting the voucher output module The voucher file is printed; and thereafter, the member management module of the member point platform can be logged in, and the voucher on the voucher file is entered into the point management module to be converted. The consumption point data is stored in the credit account corresponding to the member account.

More specifically, the home vouchers can be a serial number, a code, a QR code, or a mixture of two or more thereof.

More specifically, the user can log in to the member account of the member management module through a web interface or an application software interface, and input the home certificate on the web interface or the application software interface to The management module points the account voucher to the credit point data after the redemption, and stores it in the credit account corresponding to the member account.

More specifically, the web interface or the application software interface can input the member basic information into the member account of the point management module, and the member basic information is the mobile phone number or the ID number.

Another implementation framework of the present invention, wherein the bank bonus point exchange system comprises: a member point platform, comprising a member management module for establishing a member basic information as a member account, and capable of At least one card is registered in a member account, and a point account is established according to the member account; a point management module is connected with the member management module to use at least one point of consumption data. Stored in the point account corresponding to the member account; several bank central control platforms include a bonus point query module for issuing cards by a financial institution The card information is in the bank's central control platform to query the bonus point data of the card issued by the financial institution; a bonus exchange point module is connected with the bonus point inquiry module, and the bonus exchange point module The bonus point data of the issuing card of the financial institution can be exchanged into the point data for consumption according to a bonus exchange mode; the multimedia terminal machine with the display screen is set in a physical store, and the multimedia terminal machine includes one The bonus point inquiry module is capable of displaying at least one card data input page on the display screen for inputting the card information of the card issued by the financial institution, and then the multimedia terminal machine is connected to the financial institution for issue. After the bank's central control platform corresponding to the card, the card information of the card issued by the financial institution is queried in the bank's central control platform, and the bonus point data of the card issued by the financial institution is displayed on the display screen; a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one on the display screen The bonus point redemption selection page, the option of redemption mode can be displayed on the redemption point redemption selection page, and after selection, the multimedia terminal machine is connected to the bank control corresponding to the issuing card of the financial institution. Platform, and according to the selected bonus exchange mode, the dividend information of the card issued by the financial institution is converted into consumption point data; and a member-return module is connected with the bonus point redemption module For displaying at least one member affiliation selection page on the display screen, the member affiliation selection page has at least one member affiliation option for storing the redeemed consumption point data in a designated member. The number of points in the account corresponds to the account.

More specifically, the multimedia terminal machine further includes a member point platform authentication module connected to the member home module, and after selecting one of the member attribution options, the member point platform authentication mode The group can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for membership authentication to search for the matching in the member management module of the member point platform. Member account.

More specifically, the member can input the basic information of the member in the member point platform authentication page, and after the authentication is completed, the credit point data after the redemption can be stored in the member account according to the basic information of the member. Points in the account.

More specifically, the basic information of the member is a mobile phone number or an ID number.

More specifically, the multimedia terminal station further includes a card reading device connected to the member point platform authentication module, and the card reading device is configured to read the card registered in the member account. After the card is completed, after the certification is completed, the credited credit data can be stored in the credit account corresponding to the member account according to the card information.

Another implementation framework of the present invention, wherein the bank bonus point exchange system comprises: a member point platform, comprising a member management module for establishing a member basic information as a member account, and capable of At least one card is registered in a member account, and a point account is established according to the member account; a point management module is connected with the member management module to use at least one point of consumption data. It is stored in the point account corresponding to the member account; several bank central control platforms include a bonus point inquiry module, which is used to issue card information of a card by a financial institution in the bank control platform. Inquiring about the bonus point data of the issuing card of the financial institution; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the financial institution according to a bonus exchange mode The bonus point data of the card is exchanged for consumption point data; a multimedia terminal machine with a display screen is set in a physical store, which is more The terminal terminal system includes a member point platform authentication module, which can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for member authentication for the member. The member management module of the point platform searches for whether there is a matching member account; a bonus point inquiry module is connected with the member point platform authentication module, after the member account is authenticated, The at least one card data input page can be displayed on the display screen for inputting the card information of the card issued by the financial institution, and the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution. After that, the card information of the card issued by the financial institution is queried in the bank's central control platform, and the bonus point data of the card issued by the financial institution is displayed on the display screen; a bonus point redemption module, And the bonus point query module is connected to display at least one bonus point redemption selection page on the display screen, and the option of displaying a bonus exchange mode on the bonus point redemption selection page is selected , the multimedia terminal machine is connected to the bank central control platform corresponding to the card issued by the financial institution, and the bonus point data of the card issued by the financial institution is exchanged for consumption according to the selected dividend exchange mode. Point data; a member-to-home module is connected to the bonus point redemption module for displaying on the display screen At least one member selected page by households, owned by the family members choose a page that includes at least one member of the option by households for consumption after the exchange of data stored in points in a member's account corresponding to the specified number of points in your account.

More specifically, the member point platform authentication module is further connected with the member home module, and after selecting one of the member attribution options, the member point platform authentication module can display the screen. At least one member point platform authentication page is displayed, and the member basic information is input in the member point platform authentication page, and after the certification is completed, the credited point data can be stored in the member according to the member basic information. The number of points in the account corresponds to the account.

More specifically, the basic information of the member is a mobile phone number or an ID number.

More specifically, the multimedia terminal station further includes a card reading device connected to the member point platform authentication module, and the card reading device is configured to read the card registered in the member account. The card data is used for authentication, and after selecting one of the member vesting options, the credited point data can be stored in the member account according to the card data. In the account.

1‧‧‧Member Points Platform

11‧‧‧Member Management Module

12‧‧‧Point Management Module

2‧‧‧Bank Control Platform

21‧‧‧Dividend Point Query Module

22‧‧‧ Bonus Exchange Points Module

3‧‧‧ physical store

31‧‧‧Multimedia terminal machine

311‧‧‧ Display screen

312‧‧‧ Bonus Point Query Module

313‧‧‧ Bonus Point Redemption Module

314‧‧‧Membership module

315‧‧‧Home Voucher Conversion Module

316‧‧‧voucher output module

317‧‧‧Printing operation module

318‧‧‧Member Points Platform Certification Module

319‧‧‧ card reading device

4‧‧‧Exchange platform

41‧‧‧Web interface

42‧‧‧Application software interface

5‧‧‧vouchers

51‧‧‧Home vouchers

6‧‧‧Computer equipment

7‧‧‧Smart mobile device

[Fig. 1A] is a schematic diagram of the overall architecture of the first implementation of the creative bank bonus point exchange system and its method.

[Fig. 1B] is a schematic diagram of the architecture of the multimedia terminal machine and the bank central control platform of the first implementation of the creative bank bonus point exchange system and the method thereof.

[1C] is a schematic diagram of the structure of the member platform and the redemption platform of the first implementation of the creative bank bonus point exchange system and its method.

[Fig. 2A] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 2B] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2C] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2D] is a schematic diagram showing the operation of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 2E] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2F] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 2G] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2H] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2I] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2J] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2K] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[2L] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 2M] is a schematic diagram of the operation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 3A] is a schematic diagram of Web redemption implementation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 3B] is a schematic diagram of a web exchange implementation of the first implementation of the creative bank bonus point exchange system and method thereof.

[Fig. 4A] is a schematic diagram of the implementation of the redemption of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 4B] is a schematic diagram of the implementation of the redemption of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 4C] is a schematic diagram of the implementation of the redemption of the first implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 5A] is a schematic diagram of the overall architecture of the second implementation of the creative bank bonus point exchange system and its method.

[Fig. 5B] is a schematic diagram of the architecture of the multimedia terminal station of the second implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 6A] is a schematic diagram showing the operation of the second implementation of the present invention's bonus point exchange system and method thereof.

[Fig. 6B] is a schematic diagram showing the operation of the second implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 6C] is a schematic diagram of the operation of the second implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 7] is a schematic diagram of the architecture of the multimedia terminal station of the third implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 8A] is a schematic diagram showing the operation of the second implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 8B] is a schematic diagram showing the operation of the second implementation of the present invention's bonus point exchange system and method thereof.

[Fig. 8C] is a schematic diagram showing the operation of the second implementation of the creative bank bonus point exchange system and the method thereof.

[Fig. 9] is a schematic flow chart of the bonus bank exchange system and method of the present invention.

Other technical contents, features, and effects of the present invention will be apparent from the following detailed description of the preferred embodiments.

Please refer to Figures 1A~1C for the overall architecture of the first implementation of the picking trolley for the creative bank bonus point exchange system and its method, the architecture diagram of the multimedia terminal machine and the bank central control platform, and the member platform and redemption. Schematic diagram of the platform structure, as shown in the figure, the bank bonus point exchange system includes a member point platform 1, at least one bank center control platform 2, a multimedia terminal station 31 having a display screen 311, and a redemption platform 4. The member point platform 1 includes a member management module 11 and a point management module 12 (the member point platform 1 also has a function of a database and a server), and the member management module 11 uses To establish a member's basic information (can be a mobile phone number, ID number or other information that can have identification or contact proof) as a member account, and can log at least one card to a member account And establishing a point account according to the member account, and the point management module 12 is configured to store at least one piece of consumption point data in the member account. The bank's central control platform 2 includes a bonus point query module 21 and a bonus exchange point module 22 (the bank control platform 2 also has the function of a database and a server) The bonus point inquiry module 21 is configured to query the bank's central control platform for the bonus point data accumulated by the financial institution to issue a card by using a card information issued by a financial institution, and the bonus is exchanged. The point module 22 is capable of converting the bonus point data of the issuing card of the financial institution into consumption according to a bonus exchange mode (the bonus exchange mode is for different banks and merchants to negotiate a dividend exchange rate or a bonus exchange plan). With the point data, the bonus exchange model is based on the negotiation between the merchant and the bank. In the case of the icash card, a bonus exchange model must be negotiated. If the bonus exchange mode is 1:2, that is, the bonus point of 1 point can be exchanged for 2 points of icash points (consumption points data), but the actual bonus exchange mode must be negotiated, and the bonus exchange mode is set, except In addition to the bonus exchange rate, it is possible to stipulate several different bonus exchange schemes (that is, the exchange is not necessarily converted according to a certain ratio); and the financial institution mentioned here is a credit card or a visa financial card, but In addition to the above two types of cards, other cards issued by banks and can be used to accumulate bonus points also belong to the financial institution issuing cards.

The multimedia terminal machine 31 is disposed in a physical store 3, and the multimedia terminal machine 31 includes a display screen 311 (touch screen), a bonus point query module 312, and a bonus point redemption module. 313. A member-to-home module 314, a home-to-home voucher conversion module 315, a voucher output module 316, and a print job module 317, wherein the bonus point query module 312 can be displayed on the display screen 311. Displaying at least one bonus point inquiry page for inputting the card information of the card issued by the financial institution, after the multimedia terminal machine 31 is connected to the bank central control platform 2 corresponding to the issuing card of the financial institution, Providing card information of the issuing card of the financial institution, after the bonus point inquiry module 21 of the bank's central control platform 2 queries the bonus point, it can display the bonus point data of the card issued by the financial institution on the display screen. The bonus point redemption module 313 can display at least one bonus point redemption selection page on the display screen 311, and the bonus exchange mode can be displayed on the bonus point redemption selection page. After the selection, the multimedia terminal station 31 is connected to the bank central control platform 2 corresponding to the issuing card of the financial institution, and the redemption points are exchanged according to the selected bonus exchange mode. The module 22 converts the bonus point data of the card issued by the financial institution into the consumption point data; and then displays the at least one member attribution page on the display screen 311 by the member loyalty module 314. Face, and the member's homepage selection page has at least one member-to-home option, and the member-to-home option can be "abandon this redemption", "continue redemption", "print coupon", "pass card" Depositing the account or transferring the credits to other members; therefore, when the member's home option is "print coupon", the home voucher conversion module 315 displays at least one on the display screen 311. The home voucher outputting a style selection page, and selecting the home voucher in the home voucher output style selection page, converting the converted consumption point data into a home voucher, and the home voucher and the voucher The corresponding consumption point data is returned to the point management module 12 of the member point platform 1, and then the redemption voucher output module 316 outputs a redemption voucher file with the home voucher, and The print job module 317 prints the voucher file as a voucher 5.

The implementation of the first implementation is as shown in FIG. 2A to FIG. 2M. When the consumer operates in front of the display screen 311 of the multimedia terminal station 31, as shown in FIG. 2A and FIG. 2B, it is necessary to select After the "bonus" and "credit card" options, you will enter a bonus point inquiry page (such as 2C ~ 2H). From 2C to 2H, consumers can choose credit card issuing bank (Taishin Bank), enter the user ID number (S225476711), enter the date of birth (710101), enter the credit card number (5520022007777605), enter 3 codes (128) behind the credit card, and then display the bonus product on the display screen 311. Dot points (bonus points data); after that, when you click "Select redemption method", you will enter a bonus point redemption selection page (such as Figure 2I ~ 2J), as shown in the figure, when clicked After "Transfer PP Points", you can further select "PP points 100 points", "PP points 200 points", "PP points 500 points", and different PP points exchange schemes are different, if it is exchanged for consumption With 200 points, you must deduct credit card points (dividend points data) 105 points The present embodiment is to choose "PP points 100 points," so it must be in Deducting 55 credits from credit card points, and once you select the "PP points 100 points", it means that the redemption process has been carried out; after that, you will enter a member return selection page, as shown in Figure 2k. In this embodiment, the member-to-home option includes only "Abandon this redemption", "Continue redemption" and "Printing redemption voucher". When you click on the "Printing voucher", you will enter the home. The voucher output style selection page, as shown in Figure 2L, will display "Print Order Number (WEB, App Input)", "Print Bar Code (App Brush Read)" and "Print QR Code (App Brush Read). The consumer can click on the demand. In this embodiment, the "printing serial number (WEB, App input)" is clicked. Therefore, as shown in FIG. 2M, the redemption voucher is listed in the fifth column. Printed out, and the voucher 5 has the home voucher 51 (serial number), but if it is clicked, "print bar code (App brush)" or "print QR code (app brush)", then A bar code or QR code will be displayed at the location of the home voucher 51.

The above operation process is to convert the bonus point data into the consumption point data, but in this embodiment, the attribution voucher 51 must be registered to be the home registration, as shown in FIG. 3A, when the WEB is to be performed. When logging in, it must be connected to the web interface 41 of the redemption platform 4 through a computer device 6. After that, the user must select an account (can input the basic information such as the mobile phone number or ID number) and the password. In this embodiment, Then, the user selects the input account number and password, and after the card number is transmitted to the member management module 11 of the member point platform 1 system for authentication, there is no problem, as shown in FIG. 3B, the serial number "2Y3H" is input. KG27", after pressing the confirmation, the redemption platform 4 will transmit the group number "2Y3H KG27" to the point management module 12, and the point management module point 12 will reply the home certificate to The redeemed consumption point data is stored in the credit account corresponding to the member account.

In addition to using computer equipment 6, it is also possible to connect using a smart mobile device 7. The application software interface 42 to the redemption platform 4, as shown in FIG. 4A, must also select an account number (member data such as a mobile phone number or an ID number) and a password to log in to the account. In this embodiment, the input is clicked. The account number and password are transmitted to the member management module 11 of the member point platform 1 system for authentication. If there is no problem, the home registration method is selected as shown in Figures 4B and 4C ("Entering the serial number" In the present embodiment, the input number "2Y3HKG27" is also selected, but if the home certificate is a barcode or a QR code, the "scanning barcode" or "can be selected" Scan QR code" and scan the bar code or QR code with the lens of the smart mobile device 7 to complete the home operation.

In the first implementation, the redemption voucher 5 is printed mainly, and the home registration operation is completed through the redemption platform 4. However, the redemption platform 4 is not required to be used, but is directly completed by the multimedia terminal station 31. As shown in FIG. 5A, it can be seen that the multimedia terminal station 31 can directly connect with the member point platform 1, and unlike the first embodiment, as shown in FIG. 5B, the multimedia terminal device A member point platform authentication module 318 and a card reading device 319 are added to the station 31 (although in the second embodiment, the account voucher conversion module 315, the exchange voucher output module 316, and the printing operation module 317 are taken. However, this is mainly because the face-to-face picture is too complicated, but in addition to being able to connect to the member point platform authentication module 318, the member-returning module 314 in this embodiment can also connect to the home-based certificate conversion. Module 315 for printing the redemption voucher).

The front end of the operation process of the second implementation is the same as that of Figures 2A to 2J. The difference is that the member-to-home option in Figure 6A is the same as "Abandon this redemption", "Continue redemption" and "Printing redemption voucher". In addition, the "Home Card Deposit" and "Return Points to Other Members" membership options have been added. Therefore, when clicking "Return Points to Other Members", as shown in Figure 6B , it will display a member point platform certification page, after which you must enter the member's basic information of the member to be transferred (hand The machine number or ID number), and after pressing "Confirm Entry", the multimedia terminal machine 31 will connect to the member point platform 1 and transmit the entered member basic data to the member management module. 11 Search and certify whether there is a matching member account, and if there is no problem with the certification, the credit data will be stored in the account corresponding to the member account according to the member's basic information, and finally, Figure 6C shows the message that the number of points has been confirmed to be stored in the account of "S225476711" to inform the consumer that the account has been successfully placed. In the picture of Figure 6A, if you click "Card into account", you must The card registered in the member account is inserted or inserted into the card reading device 319 to read the card data of the card registered in the member account by the card reading device 319, and then the multimedia terminal device The station 31 is connected to the member point platform 1 and transmits the read card data to the member management module 11 for searching and authenticating whether there is a matching member account, and if there is no problem in the authentication, it will also According to the card information, the converted credit data is stored in the credit account corresponding to the member account, and the user is notified on the display screen 311 that the user has successfully returned the account (not shown).

In the above two embodiments, after the redemption of the points for consumption, the user enters the login account or swipes the card number to return to the household, but if the object is determined to be returned to the household before the exchange, it can also be as shown in Fig. 7. The bonus point query module 312 is directly connected to the member point platform authentication module 318 (although in the third implementation, the home voucher conversion module 315, the voucher output module 316, and the print job mode are displayed. The group 317 is removed, and the bonus point query module 312 is directly connected to the member point platform authentication module 318, but this is mainly for the purpose of avoiding the surface complexity is too complicated, the member returning module in this embodiment In addition to being able to connect to the member point platform authentication module 318, the 314 can also be connected to the home voucher conversion module 315 to perform the printing implementation of the redemption voucher. In addition, the display screen 311 can be directly Connected to the bonus point query module 312, so in addition to being able to enter the member point platform authentication page in the third embodiment In addition, the display screen 311 can be directly entered into the bonus point inquiry page); and in the operation, as shown in FIG. 8A, when the consumer clicks “Dividend” to enter the picture of FIG. 8A, You can directly click on the “Member Query Redemption Zone”, and then you will enter the Member Points Platform Certification page. As shown in Figures 8B and 8C, you must insert or insert a card to perform membership verification. To insert or insert a card that has been registered in the member account into the card reading device 319, to read the card data of the card registered in the member account by the card reading device 319, and then The multimedia terminal station 31 is connected to the member point platform 1 and transmits the read card data to the member management module 11 for searching and authenticating whether there is a matching member account, and if there is no problem in the authentication, then As shown in Figure 8C, the consumer is informed that the member has been authenticated and the redemption method is displayed on the screen. When “Bank Bonus to PP Points” is selected, the screen will be entered in Figure 2C for the bonus point. Number Inquiries and redemption; and when the redemption is completed, if you directly click on "Card card deposit account" in Figure 6A, the PP points (consumption point data) after redemption will be directly stored in the member account. In the point account, there is no need to pass the card authentication again. However, if the consumer wants to transfer the credited points data to other members, they must click "Return Points to Other Members". However, after clicking, you must enter the member's basic information (mobile phone number or ID card number) of the member to be transferred to the home as described above, and this embodiment can also output the printed coupon, but If you have already logged in to the member in advance, it is optional if you want to print the redemption voucher. Unless you want to send the redemption voucher to the output, you can enter the bonus point inquiry page directly from the display screen 311. You do not need to log in to the member first.

The step flow of the bank bonus point exchange method of the present creation, as shown in Figure 9, is as follows: (1) After inputting a card information of a card issued by a financial institution on a multimedia terminal machine, the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, and then queries and displays the card. The financial institution issues the bonus point data of the card 901; (2) after that, selects the bonus exchange mode on the multimedia terminal machine, and connects to the bank's central control platform according to the selected bonus exchange mode, the piece After the dividend information of the issuing card of the financial institution is converted into the point data for consumption, the multimedia terminal machine displays the bonus point data and the consumption point data 902 exchanged by the issuing card of the financial institution; and (3) Finally, on the multimedia terminal machine, the method of purchasing the point data to be returned to the household is selected, so as to store the credited point data in the member account of the member point platform. 903 in the account.

The bank bonus point exchange system provided by this creation has the following advantages when compared with other conventional technologies:

1. This creation can combine the bonus points generated by the financial institutions to issue cards with the consumption points, and enable the dividend rates of different banks to pass different exchange rates, so that the dividend points of different banks can be directly converted. In order to consume points, this will enable consumers to use more points, diversify their products, and increase the willingness to exchange points.

2. This creation can simplify the exchange of different businesses and negotiate manpower. It is directly assisted by the store to find points to export, which can save manpower for finding goods.

3. This creation can make the exchange more diversified and fast, and increase the credit card value and slow down the pressure on the redemption point. In addition, the point exchange plan is more diverse and exclusive, so that consumers can enjoy exclusive happiness. .

4. The present invention has been disclosed above by way of the above embodiments, but it is not intended to limit the present invention. Anyone having ordinary knowledge in the technical field will understand the foregoing technical features and embodiments of the present invention without departing from the present invention. In the spirit and scope of the creation, the scope of patent protection of this creation shall be subject to the definition of the requirements attached to this manual.

1‧‧‧Member Points Platform

2‧‧‧Bank Control Platform

3‧‧‧ physical store

31‧‧‧Multimedia terminal machine

4‧‧‧Exchange platform

5‧‧‧vouchers

Claims (13)

A bank bonus point exchange system includes: a member point platform, comprising: a member management module, configured to establish a member basic data as a member account, and can log at least one card to In the member account, a plurality of accounts are established according to the member account; the point management module is connected to the member management module, and is configured to store at least one piece of consumption point data in the member account. In the point account, several bank central control platforms include: a bonus point inquiry module for querying the financial institution's issuance in the bank's central control platform by card information issued by a financial institution. The bonus point data of the card; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point module can issue the bonus point data of the financial institution according to a bonus exchange mode. Redeem for consumption point data; a multimedia terminal machine with a display screen is set in a physical store, the multimedia terminal machine system includes: The profit point query module is capable of displaying at least one bonus point inquiry page on the display screen, and inputting the card information of the card issued by the financial institution, and connecting the financial terminal to the financial institution by the multimedia terminal machine After issuing the bank's central control platform corresponding to the card, the card information of the card issued by the financial institution is used to query and display the financial institution's issuing card in the bank's central control platform. The bonus point data of the film is displayed on the display screen; a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen. The option of redemption mode can be displayed on the redemption point redemption selection page, and after selection, the multimedia terminal machine is connected to the bank control platform corresponding to the issuing card of the financial institution, and according to the selected The bonus exchange mode converts the bonus point data of the card issued by the financial institution into consumption point data; a member returning module is connected with the bonus point redemption module for use on the display screen Displaying at least one member affiliation selection page, the member affiliation selection page has at least one member affiliation option; a registrar voucher conversion module is connected with the member affiliation module, and select one of them After the member-to-home option, the account-to-home voucher conversion module can convert the converted point data to be converted into a home voucher, and the account voucher and its corresponding The point data of consumption will be transmitted back to the point management module of the member point platform; a redemption voucher output module is connected with the home voucher conversion module for outputting a certificate of returning home. a voucher file; a print job module connected to the voucher output module for printing the voucher file output by the voucher output module; and thereafter, being able to log in to the member point platform In the member management module, the account voucher on the voucher file is input into the point management module, and the converted point data is stored in the point account corresponding to the member account. . The bank bonus point exchange system according to claim 1, wherein the home certificate can be a serial number, a code, a QR code, or a mixture of two or more thereof. The bank bonus point exchange system of claim 1, wherein the member account of the member management module can be accessed through a web interface or an application software interface, and the homepage is input on the web interface or the application software interface. The account voucher returns the account voucher data to the credit point data after the redemption by the point management module, and stores it in the credit account corresponding to the member account. The bank bonus point exchange system according to claim 3, wherein the web interface or the application software interface can input the member basic information into the member account of the point management module, and the basic information of the member is the mobile phone number or identity. Certificate number. A bank bonus point exchange system includes: a member point platform, comprising: a member management module, configured to establish a member basic data as a member account, and can log at least one card to In a member account, a number of accounts are established according to the member account; a point management module is connected to the member management module to store at least one piece of consumption point data in the member account. In the point account, several bank central control platforms include: a bonus point inquiry module for querying the financial institution issuing card in the bank's central control platform by card information of a financial institution issuing a card. Dividend point data; a bonus redemption point module is connected with the bonus point inquiry module, and the bonus exchange point number module The group can convert the bonus point data of the issuing card of the financial institution into the consumption point data according to a bonus exchange mode; a multimedia terminal machine with a display screen is set in a physical store, the multimedia terminal machine system includes a bonus point inquiry module capable of displaying at least one card data input page on the display screen for inputting the card information of the card issued by the financial institution, and connecting the financial terminal to the financial platform After the institution issues the card control platform corresponding to the card, the card information of the card issued by the financial institution is queried in the bank control platform, and the bonus point data of the card issued by the financial institution is displayed on the display screen. a bonus point redemption module is connected to the bonus point inquiry module for displaying at least one bonus point redemption selection page on the display screen, and the bonus point redemption selection page can be displayed The option of the bonus exchange mode, and after selection, is connected by the multimedia terminal to the financial institution. The bank's central control platform corresponding to the film, and according to the selected bonus exchange model, the dividend information of the card issued by the financial institution is converted into consumption point data; and a member-return module is associated with the bonus The point redemption module is connected to display at least one member affiliation selection page on the display screen, and the member affiliation selection page has at least one member homing option for using the redemption point of consumption. The data is stored in the credit account corresponding to a designated member account. The bank bonus point exchange system according to claim 5, wherein the multimedia terminal machine further comprises a member point platform authentication module connected to the member affiliation module, and one of the points is selected. After the member vesting option, the member point platform authentication module can display at least one member point platform authentication page on the display screen, and the member point platform authentication page is used for member authentication for the member. In the member management module of the point platform, search for a matching member account. The bank bonus point exchange system according to claim 6, wherein the member basic information can be input in the member point platform authentication page, and after the certification is completed, the credit points after the exchange can be based on the member basic information. The data is stored in the credit account corresponding to the member account. The bank bonus point exchange system as claimed in claim 7, wherein the member basic information is a mobile phone number or an ID number. The bank bonus point exchange system of claim 6, wherein the multimedia terminal machine further comprises a card reading device connected to the member point platform authentication module, wherein the card reading device is configured to read the The card information of the card registered in the member account, and after the authentication is completed, the credited point data can be stored in the credit account corresponding to the member account according to the card information. A bank bonus point exchange system includes: a member point platform, comprising: a member management module, configured to establish a member basic data as a member account, and can log at least one card to In a member account, a number of accounts are established according to the member account; a point management module is connected to the member management module to store at least one piece of consumption point data in the member account. In the point account; several bank central control platforms, including: A bonus point inquiry module is used to query the bank's central control platform for the bonus point data of the card issued by the financial institution by issuing card information of a financial institution; a bonus exchange point module, Connected with the bonus point inquiry module, the bonus redemption point module can convert the dividend point data of the financial institution issuing card into the consumption point data according to a bonus exchange mode; a multimedia terminal device with a display screen The platform is installed in a physical store, and the multimedia terminal machine includes: a member point platform authentication module, which can display at least one member point platform authentication page on the display screen, and the member points platform certification The page is used for membership verification to search for the matching member account in the member management module of the member point platform; a bonus point inquiry module is connected with the member point platform authentication module After the member account is authenticated, at least one card data input page can be displayed on the display screen for inputting the financial institution to issue After the card information is connected, the multimedia terminal machine is connected to the bank control platform corresponding to the card issued by the financial institution, and the card information of the card issued by the financial institution is queried in the bank control platform. And displaying the bonus point data of the issuing card of the financial institution on the display screen, a bonus point redemption module is connected with the bonus point inquiry module for displaying at least on the display screen a bonus point redemption selection page, the option of displaying a bonus exchange mode on the bonus point redemption selection page, and after selection, the multimedia terminal machine is connected to the bank corresponding to the issuing card of the financial institution Control the platform and redeem the model according to the selected dividend To convert the bonus point data of the card issued by the financial institution into consumption point data; a member-to-home module is connected to the bonus point redemption module for displaying at least on the display screen A member affiliation selection page, the member affiliation selection page has at least one member affiliation option for storing the redeemed consumption point data in a point account corresponding to a designated member account. The bank bonus point exchange system according to claim 10, wherein the member point platform authentication module is further connected with the member affiliation module, and after selecting one of the member vesting options, the member points The platform authentication module can display at least one member point platform authentication page on the display screen, and input the member basic information in the member point platform authentication page, and after the certification is completed, the member basic information can be exchanged. The consumption point data is stored in the point account corresponding to the member account. The bank bonus point exchange system as claimed in claim 11, wherein the member basic information is a mobile phone number or an ID number. The bank bonus point exchange system of claim 10, wherein the multimedia terminal machine further comprises a card reading device connected to the member point platform authentication module, wherein the card reading device is configured to read the The card data of the card registered in the member account is used for authentication, and after selecting one of the member vesting options, the credited point data can be stored in the member account according to the card data. Points in the account.