TWM569020U - Intelligent point exchange system - Google Patents

Abstract

An intelligent point redemption system is capable of converting a number of points issued by a plurality of points of the issuing device to each other according to the exchange rate, or converting the points of the issuing device to one currency for the user Paying for the payment or commodity exchange with a unified number of points, and increasing the circulation of the points issued by the issuing device of each point. The main feature of the present invention is that the intelligent point exchange system further has an intelligent exchange rate monitoring module. To control the exchange rate changes and adjust the exchange rate in real time to ensure the profit and security of the transaction.

Description

Intelligent point exchange system

An intelligent point redemption system is applied to allow end users who have different platform-side issue points to exchange and use points. This creation specifically refers to an intelligent exchange rate monitoring module, and adjusts the exchange rate according to its timing. And a smart point exchange system that controls transaction security.

According to the current innovations in commercial methods, many merchants often give back to consumers with virtual points in order to stimulate consumers' willingness to purchase. After consumers collect a certain number of points, they can redeem goods, and even pay through points. Please refer to the Republic of China New Patent No. M393010 "Cross-platform Dividend System", which mainly exposes a cross-platform bonus system. When an automated trading device performs a financial transaction procedure for a financial card, it can help consumers accumulate bonus points and consume. The user can further use the bonus point and provide redemption information in a multimedia machine. However, the bonus points obtained by the consumer for the financial card consumption can only be used at the designated point issuing device, and other points are issued by the issuing device. The bonus points earned are not available. For example, after the consumer gets the bonus points in the convenience store, they can only be related to the whole family convenience store. The use of the platform, and consumers can not use the unified super-profit bonus points on the platform of the whole family convenience store, which will make it more convenient for consumers to use the bonus points obtained from each platform, if the platform can be The bonus points can be used in circulation, which will increase the dividend rate of the outlets of each point and increase the willingness of consumers to use bonus points.

Please refer to the Republic of China Public No. 200905599 "Drug Points Exchange", which provides a cross-platform point exchange system and mechanism, which establishes a virtual point exchange, which can Redeem a number of small pay-per-point points across multiple service providers for non-corresponding merchandise from a different service provider, including a contract between the point issuer, the service provider and a clearing house , which contains the mediation conversion rate.

However, in the content of the case, it is not revealed how to further "effectively increase the circulation of points on each issue side", and how to control the security of point exchange, or transaction; due to the current number of points or virtual number points The number of issuers, each has its own platform, if through an integrated platform to do point exchange, in the entire exchange process, including exchange rate adjustment and control, security issues must be Consider it, otherwise there will be a risk of point exchange or trading mechanism in the event of a hacker intrusion.

In view of the above problems, the creator has conducted research on virtual point transactions based on years of experience in related fields. Therefore, the main purpose of this creation is to provide a point for multiple platforms to issue transactions. And it can effectively adjust the exchange rate and control the transaction security of the intelligent point exchange system.

In order to achieve the above objectives, the intelligent point exchange system of the present invention can be used to exchange the points of the issuing device of each point according to the exchange rate, or exchange the exchange rate into a circulation. Coin, among them, the intelligent point exchange system of the creation, which first sets an announcement exchange rate information with each point issuing device, and when the user has the need for exchange, the user can be used to exchange the user through the intelligent point redemption system. The number of points held is exchanged for the specified currency. According to this, the user can exchange the points into a plurality of points through the intelligent point exchange system, thereby increasing the number of points issued by the issuing device of each point. Moreover, the intelligent point exchange system referred to in this creation further includes an intelligent exchange rate monitoring module, and uses its intelligent point exchange system to adjust the exchange rate and manage transaction security in a timely manner.

In order for your review board to have a clear understanding of the purpose, technical features and effectiveness of this work, please refer to the following instructions for illustration.

10‧‧‧Smart Points Exchange System

101‧‧‧Exchange Server

1011‧‧‧Central Processing Module

1012‧‧‧Exchange Rate Management Module

1013‧‧‧Exchange Rate Setting Module

1014‧‧‧Point Exchange Module

1015‧‧‧Intelligent exchange rate monitoring module

1016‧‧‧Database

20‧‧‧Member Account Management Module

30‧‧‧Point Payment Management Module

301‧‧‧ Online consumption platform

302‧‧‧Store-side device

40‧‧‧ points issuing device

50‧‧‧Information device

D1‧‧‧ initial exchange rate setting information

D2‧‧‧ Announced Exchange Rate Information

D1’‧‧‧Second exchange rate setting information

D3‧‧‧ redemption suggestion information

D4‧‧‧Warning message

D5‧‧‧ redemption request

D6‧‧‧ Trading Information

S1‧‧‧ point exchange method

S11‧‧‧Receive point redemption request step

S12‧‧‧Cue point exchange rate steps

S13‧‧‧ redemption confirmation step

S14‧‧‧ Converting points according to the exchange rate

S15‧‧‧Steps into points account

Figure 1 is a schematic diagram of the system composition of this creation (1).

Figure 2 is a schematic diagram of the implementation of this creation (1).

Figure 3 is a schematic diagram of the implementation of the creation (2).

Figure 3-1A is an example of exchange rate monitoring for this creation (1).

Figure 3-1B is a schematic diagram of the exchange rate increase of the creation.

Figure 3-2A shows the implementation of the exchange rate monitoring example (2).

Figure 3-2B is a schematic diagram of the exchange rate reduction for this creation.

Figure 3-3A shows the implementation of the exchange rate monitoring example (3).

Figure 3-3B is a schematic diagram of the implementation of the creation (3).

Figure 3-4 shows the implementation of the exchange rate monitoring example (4).

Figure 4 is a schematic diagram of the implementation of the creation (4).

Figure 5 is a schematic diagram of the implementation of the creation (5).

Figure 6 is a flow chart of the redemption of points for this creation.

Figure 7 is another embodiment (1) of the present creation.

Please refer to "Figure 1", which shows the schematic diagram of the system composition of the creation (1). As shown in the figure, the intelligent point exchange system 10 of this creation is operated by a exchange server 101, and the exchange servo is also used. The device 101 can exchange the points issued by the at least one point issuing device to a designated one of the currency, or exchange the points of the points issuing device with each other; as shown in the figure, the exchange server 101 mainly has a central processing module 1011, and another exchange rate management module 1012, an exchange rate setting module 1013, a point exchange module 1014, an intelligent exchange rate monitoring module 1015, and a database 1016 points. Do not complete the information connection with the central processing module 1011; wherein: (1) the central processing module 1011: used to run the exchange server 101, which may be a physical operation processing component (for example, a central processing unit Central Processing Unit); (2) Point management module 1012: a point exchange transaction for performing the exchange of the exchange server 101, and reporting to the point issuance device of the designated transaction, so that the point issuance device can update the user's holding (3) Exchange rate setting module 1013: The exchange rate of the number of points issued by the issuing device of each point can be set, for example, the cash value corresponding to the number of points issued by the whole convenience store in the current market is 10 points is equal to one dollar cash value, and the points issued by Uni-President Supermarket are corresponding to the current cash value of 5 points equal to one dollar cash value. Through the pre-set and storage of exchange rate setting module 1013, it can be used as the convenience of the whole family in the future. The calculation basis of the exchange between the store and the unified super-business, that is, the exchange rate at the point exchange (that is, 1 point of the unified super-business is equal to 2 points of the whole family convenience store); further, the intelligent point exchange system 10 It can also provide "circulating currency" that can be exchanged for other points on different platforms. For example, the name is "Mars Coin". In this way, the points issued by other platforms can also be unified through smart points. The redemption system 10 exchanges the "currency currency" for use, and the exchange rate of the exchange currency of the "circulating currency" described herein can be defined by the exchange rate setting module 1013 of the smart credit exchange system 10, for example, the convenience of the whole family. Super business can exchange 10 points for "circulating currency", and unified super business can exchange five points for "circulating currency". In addition, exchange rate setting module 1013 can also record various points. The exchange rate of the issuing device increases and decreases, generates an exchange rate data, and stores a record of the exchange operation performed by the exchange server 101, and returns it to the corresponding point issuing device for the point The number of issuing devices can synchronously update the number of points of the user; (4) the point redemption module 1014: calculating the result (quantity) of the number of points designated for the exchange according to the exchange rate set and stored by the exchange rate setting module 1013, And the points are transferred to the user's one-point account; (5) Intelligent exchange rate monitoring module 1015: exchange rate data can be used for exchange rate analysis, and exchange rate regulation, and can further analyze the amount of trading volume, based on the number of points trading volume The exchange rate is adjusted; (6) the database 1016 is configured to store the exchange rate data generated by the intelligent exchange rate monitoring module 1015 and the exchange rate information set by the storage exchange rate setting module 1013.

Please refer to "Figure 2", which shows the implementation diagram (1) of the creation. As shown in the figure, the intelligent point exchange system 10 is connected through the Internet and telecommunications (for example, 4G). Communication, etc., is linked with a member account management module 20, a point payment management module 30, and at least one point issue device 40 to form a network that can perform point redemption; The number of points issued by the point issuance device 40 may be, for example, a credit card bonus point, a consumption feedback point, a virtual game point, a bonus feedback point, or a virtual currency. The point issuer device 40 may be an online virtual platform, a third-party point transaction platform, or a point store transaction device of a physical store, and is not limited thereto. As shown in the figure, the member account management module 20 refers to a system for managing a member account of a terminal user, which mainly records related information of members' user data, point exchange, use, etc. After the information link described above, the information related to each point issuance device 40 can be obtained via the smart point redemption system 10 (for example, the number of points owned by the user, the number of points, the number of points, etc.), and The user can connect to the member account management module 20 via an internet information device, and the user can further establish a member account through the member account management module 20, and pass the membership status. The authenticated user has the right to use the member account management module 20, and the member account has at least one authentication information, one payment credential information, and a point account, wherein the authentication is performed. The information is available for the user to perform login verification, and the payment voucher information is the payment voucher established by the user in the smart credit exchange system 10. The points account held by incorporating a number of points for a user to user queries.

Referring to FIG. 2 again, the point payment management module 30 forms an information link with the smart point redemption system 10, the member account management module 20, and each point issuing device 40; After the management module 30 is linked to the member account management module 20, the user's credit account can be debited for transaction; in this embodiment, the smart credit exchange system 10 and the member account management module 20, The number payment management module 30 is implemented by an independent information device, and the creation can also integrate the smart point redemption system 10, the member account management module 20, and the point payment management module 30 into the same The information device can also operate the smart credit exchange system 10, the member account management module 20, and the point payment management module 30 on a virtual platform (for example, a cloud server).

Please refer to "Figure 3". The figure shows the implementation of the creation (2). Please refer to "Figure 1". As shown in the figure, the information of the exchange server 101 is linked to the distribution device of each point ( 40, 40', 40"), each point issuing device (40, 40', 40") transmits an initial exchange rate setting information D1 to the exchange server 101, respectively, and the initial exchange rate setting information D1 is The point setting device (40, 40', 40") determines, and after the exchange server 101 receives the initial exchange rate setting information D1, the exchange rate setting module 1013 sets the information D1 according to the received initial exchange rate. An announcement exchange rate information D2 is respectively established, and the announcement exchange rate information D2 is stored in the database 1016. Further, the exchange rate management module 1012 further transmits the announcement exchange rate information D2 to each point issue device (40, 40', 40". ), the point issuing device (40, 40', 40") can obtain the announcement exchange rate information D2; when the point issuing device 40 wants to change the announcement of the exchange rate information D2, the point issuing device 40 can pre-modify a second exchange rate setting information D1' is sent to the exchange server 101, so that After the rate setting module 1013 receives the second exchange rate setting information D1', the exchange rate setting module 1013 replaces the initial exchange rate setting information D1 with the second exchange rate setting information D1', and the exchange rate management module 1012 further updates the announced exchange rate information. D2 is transmitted to each point issuing device (40, 40', 40"), and each point issuing device (40, 40', 40") is synchronized to update the exchange rate, and when the issuing device 40 sets the exchange rate , the point issuance device 40 can be used according to the number of points The situation is adjusted. For example, when the point issuance device 40 adjusts the value of the point by the product promotion activity, the point issuing device 40 can reduce or increase the number according to the degree of increase. Exchange rate, so that the exchange rate of points can be adjusted according to the promotion activities. For example, in the summer, the super-commercial (point-issuing device) is a promotional drink or iced product, and the super-commerce can lower the other points. The device exchanges the point exchange rate of the super-commerce, enabling the consumer to increase the willingness to redeem the points issued by the super-commercial, and increase the usage rate of the super-commercial points.

Please continue to refer to "Figure 3", and please refer to "Figure 1". When the exchange rate is completed, the exchange rate setting module 1013 can record each announcement exchange rate information D2 and generate an exchange rate data during a monitoring period. The data is stored in the database 1016, and the monitoring period can be a period of time, days, months, etc.; in addition, the intelligent exchange rate monitoring module 1015 can retrieve the exchange rate data in the database 1016 for analysis, and learn through The algorithm generates an exchange rate reference value, and uses the exchange rate reference value as a monitoring condition, wherein the exchange rate reference value includes at least one exchange rate upper limit value and one exchange rate lower limit value, and the learning algorithm can be machine learning (Machine learning) Or an algorithm such as deep learning, and the smart exchange rate monitoring module 1015 can also analyze the point transaction amount in the time interval of the point issuing device 40, and actively adjust the analysis point issuing device. The exchange rate of 40 issued points.

Please refer to "Figure 3-1A", which shows the exchange rate of the creation. Monitor the example (1), and please refer to "Figure 1". "Figure 3-1A" shows the exchange rate information D2 of the Margin currency (circulating currency) issued by each point of the distribution device. The instant exchange rate of several pairs of Mars currency is 2.00, which means that 2 ignition stars can be exchanged for 1 point for the whole family. In addition, the intelligent exchange rate monitoring module 1015 detects the real exchange rate of 2.00 for the whole family, which is less than the exchange rate of the whole family. When the limit is "2.20", the smart exchange rate monitoring module 1015 will increase the exchange rate of the whole family point to be greater than the lower limit of the exchange rate and less than the upper limit of the exchange rate. Please refer to "3- 1B map, the figure shows the exchange rate increase of the creation. As shown in the figure, the intelligent exchange rate monitoring module 1015 will raise the exchange rate of the whole family points from "2.00" to "2.50", after the exchange rate management module 1012 After the exchange rate is updated, the family's points will increase the exchange rate of other users, and the willingness to exchange other users will be increased. If you observe the number of points in the whole family, you can know that the number of transactions for the whole family is "34567" from the exchange rate "2.00". Raise the exchange rate to "2.50", making the whole family point transaction The amount rises to "51850". When the smart exchange rate monitoring module 1015 monitors the next time, if the exchange rate of the whole family point is maintained above the exchange rate lower limit and less than the upper limit of the exchange rate, the smart exchange rate monitoring module 1015 maintains the whole family points. The current exchange rate; if the exchange rate of the whole family point is still lower than the exchange rate lower limit, the smart exchange rate monitoring module 1015 will further increase its exchange rate, and the intelligent exchange rate monitoring module 1015 can also increase the weighting ratio based on the exchange rate reference value. For example, the first regulation is 105% of the exchange rate reference value, the second regulation is 110% of the exchange rate reference value, the third regulation is 115% of the exchange rate reference value, and so on.

Please refer to "Figure 3-2A", which shows the exchange rate of the creation. Monitor the example (2), and please refer to "Figure 1". The intelligent exchange rate monitoring module 1015 detects that the real-time exchange rate of the whole family is 4.00, which is higher than the upper limit of the whole family's exchange rate of 3.00. Because the exchange rate of the whole family is better, attracting most members to redeem, resulting in lowering of other points redemption points, the intelligent exchange rate monitoring module 1015 will reduce the exchange rate of the whole family points, please refer to "3-2B map". The figure shows the exchange rate reduction of the creation. As shown in Figure 3-2B, the intelligent exchange rate monitoring module 1015 reduces the exchange rate of the whole family from "4.00" to "2.50". After the module 1012 updates the exchange rate, the family points will lower the exchange rate of the members, and the willingness to exchange members will be reduced. If you observe the number of points in the whole family, you can know that the number of transactions for the whole family is "84567" when the exchange rate is "4.00". After the exchange rate is lowered to "2.50", the transaction volume has been reduced to "34567". When the smart exchange rate monitoring module 1015 is monitored next time, if the exchange rate of the whole family point is maintained above the exchange rate lower limit and less than the exchange rate upper limit value. Smart exchange rate monitoring Group 1015 maintains the current exchange rate of the whole family points. If the exchange rate of the whole family points is still higher than the upper limit of the exchange rate, the intelligent exchange rate monitoring module 1015 will further reduce its exchange rate. Furthermore, the intelligent exchange rate monitoring module 1015 can also The weighted ratio is adjusted based on the exchange rate reference value, for example, the first regulation is 95% of the exchange rate reference value, the second regulation is 90% of the exchange rate reference value, the third regulation is 85% of the exchange rate reference value, and so on. .

Please refer to "Figure 3-3A", which shows the implementation of the exchange rate monitoring example (3) of the creation, and please refer to "Figure 3-3B", which shows the implementation of the creation (three ), the intelligent exchange rate monitoring module 1015 can monitor the transaction volume of each point exchange rate, and use it according to the transaction amount of each point. The redemption proposal, as shown in the figure, the whole family trading volume is "34567" lower than the unified point "56789", and the intelligent exchange rate monitoring module 1015 will generate a redemption suggestion information D3 (such as a limited time exchange rate). And transmitting the redemption suggestion information to the member account management module 20, so that the member account management module 20 issues the redemption suggestion information to an information device 50 held by the user, and after receiving the redemption suggestion information D3, the user can Improve the willingness to redeem the whole family, and thus increase the transaction volume of the whole family; the information device 50 can be a computer device, a mobile phone with a network function, a mobile computer, a tablet computer, etc., any connection to the Internet and execution The application's electronic information device can be implemented.

Please refer to "Figure 3-4", which shows the implementation of the exchange rate monitoring example (4). As shown in the figure, the intelligent exchange rate monitoring module 1015 monitors the exchange rate information during the D2 period, such as any exchange rate in a monitoring cycle. If the increase exceeds the upper limit of the exchange rate, or if any exchange rate exceeds a lower limit of the exchange rate within a monitoring period, the smart exchange rate monitoring module 1015 determines that the transaction is abnormal and generates a warning message D4, intelligent The exchange rate monitoring module 1015 can transmit the warning message D4 to the member account management module 20, and the member account management module 20 notifies the information device 50, or the smart exchange rate monitoring module 1015 can also temporarily terminate the warning message D4. The trading of the points.

Please refer to "Figure 4". The figure shows the implementation diagram of the creation (4). As shown in the figure, the information device 50 is linked to the member account management module 20. After login and completion of the authentication, the member account management module The group 20 can receive the announcement exchange rate information D2 of the exchange server 101, and display the announcement exchange rate information D2 on the information device 50 for the user's reference; please refer to "figure 5", which is shown in the figure. The implementation diagram (5) is as shown in the figure. When the user submits a redemption request D5 to the exchange server 101 through the member account management module 20 by the information device 50, the redemption request D5 includes a remittance point. The type, the number of remittance points, and the number of points exchange, the point redemption module 1014 can calculate the number of points to be redeemed according to the announcement exchange rate information D2 and generate a transaction information D6, and the point redemption module 1014 will trade After the information D6 is transmitted to the member account management module 20, the member account management module 20 can transfer the points into the user's one-point account.

Please refer to "Figure 6". The figure shows the flow chart of the redemption of the creation. Please refer to "1st picture" to "5th picture". The method of redemption of points for this creation is as follows: (1) Receiving the point redemption request step S11: the information device 50 sends the redemption request D5 to the exchange server 101; (2) the cue point exchange rate step S12: the exchange server 101 receives the redemption request D5, the point exchange rate setting module 1013 Query the announcement exchange rate information D2, confirm the exchange rate of the remittance points and the remittance points, and transmit the announcement exchange rate information D2 to the member account management module 20 for the user to receive the announcement exchange rate information D2 by the information device 50; (3 Redemption confirmation step S13: the exchange server 101 sends an electronic voucher to the member account management module 20 according to the redemption request D5, by the member The account management module 20 performs a foreign exchange confirmation on the requesting information device 50, and the electronic voucher includes the announcement exchange rate information D2. If the information device 50 confirms the electronic voucher and replies to the member account management module 20, the exchange is exchanged. The server 101 executes the transaction. If the information device 50 does not complete the confirmation of the electronic voucher, the exchange server 101 stops the transaction; (4) converts the points according to the exchange rate. Step S23: After completing the confirmation of the electronic voucher, the point redemption module 1014 The exchange rate calculation can be performed according to the announcement exchange rate information D2 and the transaction information D6 is generated; (5) the points are transferred to the point account step S24: when the point redemption module 1014 completes the exchange calculation, the point management module 1012 will The transaction information D4 is transmitted to the point issuing device 40, so that the point issuing device 40 performs a point or a deduction according to the transaction information D4, and the point redemption module 1014 can request the information D4 to request the member account management module 20 From the point account of the specified transaction, the number of points to be remitted, and the number of remittance points are deducted. For example, the user's points account is required to remit 300 points of unified super-commerce points, and the designated points of exchange are convenient for the whole family. store The current exchange rate is 1:2. When the transaction information D4 is released, the member account management module 20 can deduct 300 points of the unified super-sales point and remit it to the family convenience store point of 600 points. The account is in agreement with the transaction status of the point issuer device 40.

Please refer to FIG. 7 , which shows another embodiment (1) of the present creation. As shown in the figure, the point payment management module system 30 is respectively connected to an online consumption platform 301 or a store-side device 302. Store as described The 302 is installed in the physical store, and can be used to process the payment service. The user can use the online payment platform 301 or the store device 302, and the point payment management module 30 can withdraw the points in the member account. The consumption platform 301 or the store-side device 302 performs the consumption behavior of the point payment.

In addition, the exchange server 101 further has a voice control module (not shown), and the user can send a voice command to the exchange server 101, and the voice control module can further analyze the voice command. And perform the actions required by the voice command. For example, the user can send a voice command: "The whole family points 10 points to exchange 100 points of Mars", and the voice control module can analyze the voice command as "the whole family points 10 points", After the "voice redemption" and "Mars 100 points" are completed, the voice control module can perform the redemption operation by the point redemption module 1014. The user can obtain a better operation experience through voice input.

As can be seen from the above, an intelligent point redemption system of the present invention mainly has a exchange server, and the exchange server information is linked to a member account management module and at least one point issue device. The exchange server has an intelligent exchange rate monitoring module, and the intelligent exchange rate monitoring module can analyze each exchange rate data, or a point transaction volume, according to exchange rate data, or a point transaction volume. The number of points issued by the issuing device is subject to exchange rate regulation; accordingly, after the implementation of the creation, it is indeed possible to provide a number of transactions that can be provided for multi-platform distribution, and can effectively adjust the exchange rate in a timely manner, and Manage smart points for transaction security The purpose of the redemption system.

The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention; any person skilled in the art can make equal changes and modifications without departing from the spirit and scope of the present invention. , should be covered by the scope of this creation patent.

In summary, the effectiveness of this creation is based on the patent requirements such as “industry availability,” “novelty,” and “progressiveness”; the applicant filed a new patent with the bureau in accordance with the provisions of the Patent Law. Application.

Claims (9)

An intelligent point redemption system for monitoring an exchange rate of at least one point issued by a issuing device, comprising: a foreign exchange server, and completing information connection with each of the points issuing device, the switching server The device has a central processing module, and another exchange rate management module, an exchange rate setting module, a point exchange module, an intelligent exchange rate monitoring module, and a database and the central processing module complete the information link; Processing module for running the exchange server; the exchange rate setting module can set an announcement exchange rate information; the exchange rate management module can issue an announcement exchange rate information to each of the points issuing device; The number redemption module may calculate the number of points exchanged according to the announced exchange rate information; the database stores at least one announcement exchange rate information and at least one exchange rate data; and the intelligent exchange rate monitoring module analyzes the The exchange rate data obtains an exchange rate reference value, and actively controls the exchange rate of the points according to the exchange rate reference value. The smart point redemption system according to claim 1, wherein the point redemption module can exchange the points issued by the issuing device of the point into a currency according to the announcement exchange rate information. . The intelligent point redemption system of claim 1, wherein a member account management module and the exchange server complete the information link, the member The account management module has a few accounts that can be used to import the credits that complete the exchange. The smart point redemption system of claim 3, wherein the one-point payment management module completes the information connection with the exchange server, the member account management module, and each of the point issuing devices. The point payment system can concatenate the point account for trading. The smart point redemption system of claim 4, wherein the point payment system is separately linked to an online consumption platform or a store-side device. The intelligent point exchange system according to claim 1, wherein the intelligent exchange rate monitoring module calculates and generates the exchange rate based on one of a machine learning and a deep learning algorithm. Reference. The intelligent point exchange system according to claim 1, wherein the intelligent exchange rate monitoring module analyzes a point transaction amount of the point issuance device in a time interval, and actively adjusts the points. Each of the exchange rates. The intelligent point redemption system of claim 1, wherein the exchange rate reference value comprises an exchange rate upper limit value and an exchange rate lower limit value. The intelligent point exchange system according to claim 8, wherein the intelligent exchange rate monitoring mode is when the exchange rate of any of the points exceeds the upper limit of the exchange rate or is lower than the lower limit of the exchange rate. The group issues a warning message and terminates the transaction.