TWM573864U - Credit card bonus point discount system for credit card transactions - Google Patents

Abstract

In a credit card bonus point management system, the point management server obtains the deductible points according to the dividends from the front-end authorization server and the stored bonus data and the dividend bonus data. The trial result of the amount of the discount and the net amount of the card. The front-end authorization server transmits an authorization request containing the trial result, the credit card number and the transaction amount to the card issuer, and transmits a deduction point notification to the point management server when the successful authorization reply is received, so that the point management is performed The server updates the credit card accumulated bonus points and returns the deduction result, and stores the dividend deduction transaction record generated based on the credit card information, the deduction result, the transaction amount, the net credit card amount and the deduction amount.

Description

Credit card bonus point discount system for credit card transactions

This new type is related to credit card bonus points, especially a credit card bonus point discount system for credit card transactions.

In order to provide a diversified payment method to attract consumers to consume, an existing physical or virtual store can generally allow a consumer to offset a portion of the transaction with a bonus point of a particular credit card when the consumer pays the transaction amount. After the amount (ie, the amount of the discount), the remaining amount of the transaction (ie, the actual amount paid) is paid by credit card payment.

An existing credit card bonus offset system includes a front-end server and a point management server provided by a banking institution that is both an acquirer and a card issuer. The front-end servo is received when the front-end server receives a transaction data from a credit card terminal provided by the banking institution to a physical store and related to a particular credit card issued by the card issuing institution. Transmitting the transaction data to the point management server, so that the point management server calculates the corresponding amount according to the transaction amount included in the transaction data and the accumulated bonus information of an application customer corresponding to the specific credit card. The bonus is offset against the actual amount paid for the transaction. Thereafter, the point management server transmits the actual payment amount to the front end system. The front-end server then transmits an authorization request indicating the credit card amount (ie, the actual payment amount) and the specific credit card to a credit card authorization system, so that the credit card authorization system performs the authorization in a known manner. Processing of the request. When the front-end server receives the authorization result from the credit card authorization system, the front-end server includes the authorized amount (ie, the actual payment amount) included in the authorization result, and the transaction amount corresponding to the dividend offset transaction. And the identity of the application client and the like are transmitted to the point management system, so that the point management server updates the accumulated bonus information corresponding to the application customer according to the authorized amount, the transaction amount and the identity of the application client.

However, the existing credit card bonus system described above provides a credit card bonus service only for credit card transactions that occur at a special store of the acquirer (also the card issuer). In other words, for the credit card transactions of the special stores of other acquirers (not the issuer), the existing credit card bonus system cannot provide the credit card bonus service, so the applicable stores, regions, and even the country are obvious. Limited. In addition, since the actual credit card amount (ie, the actual payment amount) under the credit card bonus service is less than the transaction amount (ie, the offset amount is brushed less), the acquirer is directed to its special store. The service fee charged is relatively short.

Therefore, there is still room for improvement in the existing credit card bonus system.

Accordingly, it is an object of the present invention to overcome at least one of the disadvantages of the prior art by providing a credit card bonus point offset system for credit card transactions.

Therefore, the credit card bonus point offset system for credit card transaction of the present invention comprises a front-end authorization server and a point management server connected to the front-end authorization server.

The front-end authorization server includes a first storage module and a first processing module electrically connected to the first storage module. The first storage module stores a bonus offset customer data and a plurality of historical dividend offset transaction records respectively corresponding to the plurality of historical bonus offset transactions, the dividend offset customer data comprising a plurality of different ones and corresponding to each other The different identity bonuses are offset against the customer's reference identity identifier and at least one credit card number corresponding to each reference identity identifier.

The point management server includes a second storage module and an electrical connection to the second storage module. The second storage module stores bonus point data including a plurality of credit card accumulated bonus points respectively corresponding to the bonus dividends, and bonus dividend specification data related to the plurality of bonus offset types.

When the front-end authorization server receives a credit card transaction related to a credit card issued by a card issuing institution to an application client and includes a credit card transaction request of the credit card number and the transaction amount, the first processing module determines When the card number exists in the bonus data stored in the first storage module, the credit card transaction is changed into a bonus offset transaction, and the bonus corresponding to the bonus is offset and the card number and the transaction are included The bonus dividend transaction data is transferred to the point management server.

When the point management server receives the bonus offset transaction data from the front-end authorization server, the second processing module offsets the transaction data according to the bonus and the bonus point stored by the second storage module. The data and the bonus are offset against the specification data, and a trial result corresponding to the bonus offset transaction and including a deductible point, a deductible amount corresponding to the deductible point, and a net credit card amount is obtained, and The trial result is transmitted to the front-end authorization server.

When the front-end authorization server receives the trial result from the point management server, the first processing module assigns an authorization corresponding to the bonus offset transaction and includes the trial result, the card number, and the transaction amount. The request is transmitted to a credit card server provided by the card issuer.

When the front-end authorization server receives a successful authorization reply from the credit card server and responds to the authorization request, transmitting a deduction point notification corresponding to the bonus offset transaction to the point management server.

The second processing module responds to the deduction point notification from the front-end authorization server, and uses the credit card accumulated bonus point corresponding to the application client to deduct the remaining points after the deductible point as the updated The credit card accumulates bonus points, and transmits a deduction result including the credit card accumulated bonus points corresponding to the credit card of the application customer and the deductible points of the deductible points to the front-end authorization server .

When the front-end authorization server receives the buckle result from the point management server, the first processing module determines at least the credit card data, the buckle result, the transaction amount, the net credit card, and the discount The credit amount is generated, and a dividend offset transaction record corresponding to the bonus offset transaction is generated, and the dividend discount transaction record is stored in the first storage module as a new historical dividend offset transaction record.

The effect of the novel is that the credit card bonus system can provide a credit card bonus for any credit card transaction that occurs at a physical store, online virtual store or sales channel of the same or different acquiring institution. This service can greatly expand the store, region, and even the country where this credit card bonus service is applicable. In addition, for the credit card transaction that occurs in the special store, since the signing amount of the credit card transaction is the transaction amount, the special store does not need to ask the credit card customer whether to use the credit card bonus point to deduct in advance, and the acquiring institution gives the special offer. The service fee charged by the store is proportional to the amount of the credit card transaction, so that the service fee of the acquirer is relatively short because the credit card customer uses the credit card bonus to offset the service.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, an embodiment of a credit card bonus point offset system 100 for credit card transactions includes a front end authorization server 1, and a point management server 2 connected to the front end authorization server. It should be noted that the credit card transaction applicable to the credit card bonus point offset system 100 is not limited to the credit card transaction of the credit card issued by a single card issuer (such as a card issuing bank), or the credit card of the credit card issued by different card issuers. transaction.

The front-end authorization server 1 includes a first storage module 11 and a first processing module 12 electrically connected to the first storage module 11. The first storage module 11 stores a bonus offset customer data D11 and a plurality of historical bonus offset transaction records R corresponding to a plurality of historical bonus offset transactions respectively. The bonus offset customer data D11 includes a plurality of reference identity identifiers that are different from each other and respectively correspond to a plurality of different bonus offset customers, and at least one credit card number corresponding to each reference identity identifier. Each historical dividend offset transaction record R may be stored in the form of a file and may include at least a credit card information, a deduction result, a transaction amount, a net credit card amount, and a discount amount related to a corresponding historical dividend offset transaction, but Not limited to this. In this embodiment, the dividends are offset by the customer who can set up a credit card issued by a single card issuer or a different card issuer, and the customer who has used the bonus point to offset the service, therefore, the bonus is offset to the customer information. D11 may be updated accordingly if necessary after the dividends have been discounted by the customer to change the use of bonus points to the service.

The point management server 2 includes a second storage module 21 and a second processing module 22 electrically connected to the second storage module 21. The second storage module 21 stores the bonus point data D21 and the bonus offset specification data D22. The bonus point data D21 includes a plurality of credit card accumulated bonus points corresponding to the bonuses respectively. The bonus offset specification data D22 includes a plurality of bonus offset specifications respectively related to a plurality of bonus offset types. For example, the bonus offset specification may include a bonus offset specification corresponding to a bonus offset type and defining a 30 point discount of 1 yuan, and a corresponding one of the bonus discount types and defining 20 points. The bonus of 1 yuan is offset against the specification, but not limited to this example.

In the following, with reference to FIG. 1 and FIG. 2, for example, when the front-end authorization server 1 receives a credit card transaction request, for example, how the credit card bonus point offset system 100 performs a credit card server 200 is executed. A credit card transaction program corresponding to the credit card transaction request. In this embodiment, the credit card request can be sent from a credit card institution (eg, Visa or Mastercard International Organization or Joint Credit Card Processing Center (NCCC)) or an acquirer (eg, one) An external server (not shown) provided by the acquiring bank, and related to a credit card transaction issued by a card issuing institution (for example, a card issuing bank) to a credit card of an application client, and the credit card transaction may occur in A physical store, online virtual store, or sales channel associated with the acquirer. It should be noted that the credit card server 200 is provided by the card issuing institution and can be connected to the front end authorization server 1 via a communication network (not shown), and can support integrated payment card management using, for example, the IBM Cardlink system. Service, but not limited to this. In this embodiment, the credit card transaction request may include at least the card number of the credit card and the transaction amount, but not limited thereto. The credit card transaction program includes the following steps S201 to S211.

First, in step S201, the first processing module 12 of the front-end authorization server 1 determines whether the card number exists in the dividend-distributed customer data D11 stored in the first storage module 11. If the first processing module 12 determines that the card number exists in the bonus offset customer data D11 (that is, the application client has preset to use the bonus point discount service), the flow proceeds to step S202. Conversely, if the first processing module 12 determines that the card number does not exist in the bonus offset customer data D11 (that is, the application client does not set the bonus point to be used for the service), the process proceeds. Step S209.

In step S202, the first processing module 12 changes the credit card transaction to a bonus offset transaction, and transmits the bonus offset transaction data corresponding to the bonus offset transaction to the point management server 2. In this embodiment, the bonus offset transaction data may include at least the card number and the transaction amount, but not limited thereto.

Next, in step S203, when the point management server 2 receives the bonus offset transaction data from the front end authorization server 1, the second processing module 22 discounts the transaction data according to the bonus, and the The bonus point data D21 stored in the second storage module 21 and the bonus offset specification data D22 obtain a trial result corresponding to the bonus offset transaction, and transmit the trial result to the front end authorization server 1 . It should be noted that the trial result may include a deductible point, a deductible amount corresponding to the deductible point, and a net credit card, but not limited thereto. For example, if the credit limit corresponding to the credit card is 20 points to 1 yuan, the credit card accumulated bonus point corresponding to the card number is 8500 points, and the transaction amount is 1000 yuan, the trial result includes The deductible points, the deductible amount and the net credit card amount are 8000 points, 400 yuan and 600 yuan respectively.

Then, in step S204, when the front end authorization server 1 receives the trial result from the point management server 2, the first processing module 12 transmits an authorization request corresponding to the bonus offset transaction. To the credit card server 200. In this embodiment, the authorization request may include at least the trial result, the card number, and the transaction amount, but not limited thereto.

Thereafter, in step S205, the credit card server 200, after receiving the authorization request from the front-end authorization server 1, and successfully determining that the net credit card included in the authorization request meets the credit limit of the application client Sending a successful authorization reply to the front end authorization server 1 in response to the authorization request. In addition, the credit card 200 can further store all the data related to the authorization request, that is, the successful authorization reply. Since the authorization processing of the credit card server 200 is well understood by those skilled in the art and is not a feature of the present invention, the related details are omitted here.

Then, in step S206, the front-end authorization server 1 transmits a buckle notification corresponding to the bonus offset transaction to the point management server 2 upon receiving the successful authorization reply from the credit card server 200. .

Therefore, in step S207, the second processing module 22 of the point management server 2, in response to the buckle notification from the front-end authorization server 1, will accumulate bonus points corresponding to the credit card of the application client. The remaining points after deducting the deductible points are used as the accumulated credit card accumulated bonus points, and a result of the deduction is transmitted to the front-end authorization server 1. In this embodiment, the result of the deduction includes the credit card accumulated bonus points corresponding to the application client and updated, and the deduction points corresponding to the deductible points. For example, if the previous example is used, the credit card accumulated bonus points and the deduction points of the application customer included in the deduction result are 500 (=8500-8000) points and 8000 points, respectively.

Then, in step S208, the first processing module 12 of the front-end authorization server 1 receives the buckle result, the transaction amount, the net amount of the card, and the credit card data received from the point management server 1 according to the credit card data. The offset amount generates a dividend offset transaction record corresponding to the bonus offset transaction, and stores the dividend discount transaction record in the first storage module 11 as a new historical dividend offset transaction record. R.

On the other hand, when the first processing module 12 of the front-end authorization server 1 determines in step S201 that the card number does not exist in the bonus-off customer data D11, the credit card transaction can be regarded as not using bonus points. General credit card transactions that are offset against the service. In this case, the first processing module 12 transmits a credit card transaction request to the credit card server 200 (step S209).

Then, following step S210 of step S209, the credit card server 200 performs authorization processing related to the transaction amount based on the credit card transaction request received from the front-end authorization server 1, and successfully determines the credit card transaction request When the transaction amount is included in the credit amount of the application customer, a successful authorization reply is transmitted to the front-end authorization server 1 in response to the credit card transaction request.

In addition, in step S211 following step S205 and step S210, the first processing module 12 of the front-end authorization server 1 responds to the credit card transaction after receiving the successful authorization reply from the credit card server 200. A request to transmit a transaction corresponding to the credit card transaction and containing the same amount of the transaction amount as the transaction amount is successfully replied to the external server.

At this point, the credit card transaction process is completed. It should be noted that the above steps S201~S204, S206~S208, S211 can jointly implement the embodiment of the credit card bonus point offset system 100 of the present invention in the transaction stage.

In addition, it should be noted that, in actual application, the credit card bonus point offset system 100 can be implemented as a service party independent of the acquirer and the card issuer, and the credit card bonus point offset system 100 The credit card bonus point discount service can be provided to different acquirers and card issuers. Alternatively, when the acquiring institution and the card issuing institution are the same banking institution, the front-end authorization server 1 and the point management server 2 may be provided by the banking institution, that is, the credit card bonus point discount The offset system 100 can be implemented as an internal system of the banking institution. Alternatively, in order to facilitate data maintenance and update, the point management server 2 can be provided by the card issuer.

In the following, with reference to FIG. 1 and FIG. 3, for example, when the front-end authorization server 1 receives an external server (not shown) provided by, for example, an acquirer, it is related to a historical credit card transaction. At the time of the clearing notification, the front-end authorization server 1 performs a clearing procedure corresponding to the clearing notice in conjunction with a credit card server 200' associated with the historical credit card transaction. In this embodiment, the clearing notification may include the amount of the signing of the historical credit card transaction (ie, the amount of the payment). The clearing program includes the following steps S301 to S306.

First, in step S301, the first processing module 12 of the front-end authorization server 1 determines that the historical historical dividends stored in the first storage module 11 are offset by the transaction record R by executing, for example, a comparison program. Is there a historical dividend discount transaction record that matches the historical credit card transaction? If the result of the determination is affirmative, the flow proceeds to step S302, otherwise the flow proceeds to step S304. More specifically, if the first processing module 12 determines that the historical history bonus dividend transaction record R has a historical dividend offset transaction record R matching the historical credit card transaction, this means the historical credit card. The transaction is a dividend discounted transaction. Conversely, if the first processing module 12 determines that the historical history bonus transaction record R does not have any historical dividend offset transaction record matching the historical credit card transaction, this means the historical credit card transaction. For general credit card transactions.

In step S302, the first processing module 12 transmits a request for payment including the matching history bonus of the pen to the transaction record R to the credit card server 200'.

Then, in step S303, the credit card server 200' completes the request for the credit card from the front-end authorization server 1 and completes the transaction for the historical credit card according to the matching historical dividend discount transaction record R. When the payment mechanism of the acquirer processes, a successful payment reply is transmitted to the front-end authorization server 1 in response to the request for payment. It should be noted that since this historical credit card transaction is a bonus offset transaction, in the payment processing, the historical dividend is offset against the deductible amount and the net credit card included in the transaction record R (the sum of the two is The signing amount will be paid by the card issuer to the acquirer. After that, the card issuing institution will send the credit card bill of the net credit card to the relevant credit card customer to inform the card card customer to pay the net credit card. That is to say, the deduction amount must be paid by the card issuer to the acquirer without regard to the card swipe customer.

On the other hand, when the first processing module 12 determines in step S301 that the pen history dividend discount transaction record R does not have any historical dividend discount transaction record matching the historical credit card transaction, the first The processing module 12 transmits the clearing notification to the credit card server 200' (step S304).

Then, following step S305 following step S304, the credit card server 200' after receiving the clearing notification from the front-end authorization server 1 and completing the acquiring institution for the historical credit card transaction according to the clearing notification At the time of payment processing, a successful payment reply is transmitted to the front-end authorization server 1 in response to the clearing notification. Since the details of this payment processing are understood by those skilled in the art and are not characteristic of the present invention, they are not described herein again.

Finally, following step S306 following step S303 and step S305, the first processing module 12 of the front-end authorization server 1 will receive the successful payment when receiving the successful payment reply from the credit card server 200'. The reply is transmitted to the external server to inform the acquirer of the message that the card issuer has completed the payment of the charge amount.

At this point, the clearing process is completed. It should be noted that the above steps S301, S302, S304, and S306 can collectively implement the embodiment of the credit card bonus point offset system 100 of the present invention in the clearing phase.

In summary, the new credit card bonus point offset system 100 can provide a credit card bonus for any credit card transaction that occurs at a special store, online virtual store or sales channel of the same or different issuer of the issuer. This service can greatly expand the store, region, and even the country where this credit card bonus service is applicable. In addition, for the credit card transaction that occurs in the special store, since the signing amount of the credit card transaction is the transaction amount, the special store does not need to ask the credit card customer whether to use the credit card bonus point to deduct in advance, and the acquiring institution gives the special offer. The service fee charged by the store is proportional to the amount of the credit card transaction, so that the service fee of the acquirer is relatively short because the credit card customer uses the credit card bonus to offset the service, so the purpose of the novel can be achieved.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

100‧‧‧ Credit Card Bonus Point Management System

1‧‧‧ front-end authorization server

11‧‧‧First storage module

D11‧‧‧ Bonus discount to customer information

R‧‧‧ historical dividends offset transaction record

12‧‧‧First Processing Module

2‧‧‧Point Management Server

21‧‧‧Second storage module

D21‧‧‧ Dividend Points Information

D22‧‧‧ Dividend allowance data

22‧‧‧Second processing module

200,200’‧‧‧ credit card server

S201~S211‧‧‧Steps

S301~S306‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram exemplarily illustrating the credit card bonus point offset system for credit card transactions of the present invention and An embodiment of a credit card server; FIG. 2 is a flow chart exemplarily illustrating how the credit card transaction procedure is executed when a credit card transaction request is received by the embodiment; and FIG. 3 is a flow chart, exemplarily illustrated This embodiment performs a clearing procedure upon receipt of a clearing notification for a historical credit card transaction.

Claims (5)

A credit card bonus point offset system for credit card transactions, comprising: a front-end authorization server, comprising a first storage module, storing bonus dividends to customer data, and multiple transactions corresponding to multiple historical dividend offset transactions The historical dividend is offset against the transaction record, and the bonus offset customer data includes a plurality of reference identity identifiers different from each other and corresponding to the plurality of different bonus offset customers, and at least one credit card number corresponding to each reference identity identifier And a first processing module electrically connected to the first storage module; and a point management server connected to the front end authorization server, and including a second storage module, the storage comprising a plurality of corresponding The dividends are offset against the customer's credit card accumulated bonus point bonus data, and the dividend deduction specification data related to the plurality of bonus offset types, and a second processor electrically connected to the second storage module; When the front-end authorization server receives a credit card transaction associated with a credit card issued by a card issuer to an application customer and includes the credit When the credit card transaction request of the card number and the transaction amount is requested, the first processing module changes the credit card transaction to a bonus when determining that the card number exists in the bonus data stored in the first storage module. Transmitting the transaction, and transmitting the bonus offset transaction data corresponding to the bonus offset transaction and including the card number and the transaction amount to the point management server; wherein, when the point management server receives the authorization from the front end When the dividend of the server is offset by the transaction data, the second processing module is based on the red The discounted transaction data and the bonus point data stored in the second storage module and the bonus offset specification data obtain a corresponding one of the bonus offset transactions and includes a deductible point corresponding to the Deducting the deductible amount of the credits and the trial result of the net credit card, and transmitting the trial result to the front-end authorization server; wherein, when the front-end authorization server receives the trial calculation from the point management server As a result, the first processing module transmits an authorization request corresponding to the bonus offset transaction and including the trial result, the card number and the transaction amount to a credit card server provided by the card issuing institution; Receiving, by the front-end authorization server, a deduction point notification corresponding to the bonus offset transaction to the point management server when receiving a successful authorization reply from the credit card server and responding to the authorization request; wherein the The second processing module responds to the deduction point notification from the front-end authorization server, and deducts the credit bonus points corresponding to the credit card of the application customer after deducting the deductible points The remaining points are used as the updated credit card accumulated bonus points, and a deduction result including the accumulated credit bonus points of the credit card corresponding to the application customer and the deduction points corresponding to the deductible points Transmitting to the front-end authorization server; and when the front-end authorization server receives the buckle result from the point management server, the first processing module is based at least on the credit card data, the buckle result, The transaction amount, the net credit card amount and the discount amount generate a dividend offset transaction record corresponding to the bonus offset transaction, and store the dividend discount transaction record in the first storage module as a new one. A historical dividend was offset against the transaction record. The credit card bonus point discount system as claimed in claim 1, wherein the credit card transaction request is sent from an external server provided by a credit card institution or an acquirer, wherein: the front-end authorization server receives the success After the authorization reply, in response to the credit card transaction request, a transaction corresponding to the credit card transaction and containing the same amount of the transaction amount as the transaction amount is successfully replied to the external server. The credit card bonus point discount system as claimed in claim 2, wherein: the front-end authorization server, when receiving the clearing notification from the external server provided by the acquiring institution and related to the credit card transaction, a request for payment including the historical dividend offset transaction record stored by the first storage module and corresponding to the bonus offset transaction is transmitted to the credit card server, the clearing notification including the amount of the credit card transaction; and The front-end authorization server, upon receiving a successful payment reply from the credit card server and responding to the request for payment, transmitting the successful payment reply to the external server, so that the card issuer has completed the charge The payment information message tells the acquirer. The credit card bonus point offset system of claim 1, wherein the point management server is provided by the card issuer. The credit card bonus point offset system according to claim 2, wherein when the acquiring institution and the card issuing institution are the same banking institution, the front-end authorization server and the point management server are both by the banking institution provide.