TWM579776U - System for converting transaction code structure into payment information - Google Patents

Abstract

The present invention provides a system for converting a transaction code structure into payment information, comprising an intermediary device and a first reading device. The first reading device is configured to read a transaction code structure to obtain a message. The intermediary device is configured to store an authorization information, the authorization information includes a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured to verify the information by an authorized account, and the The intermediary device obtains payment information corresponding to the transaction code structure by the authorized account.

Description

System for converting transaction code structure into payment information

The present invention relates to a system for converting a transaction code structure into payment information, in particular, a discount rate, a discount amount, and a discount amount corresponding to a coupon that is displayed on various electronic devices or entity planes when consumed by a consumer. A system in which the amount of a particular good or a particular service is allocated to the merchant's account.

For the issuance of coupons, when issuing traditional paper coupons, it is usually necessary to pay the amount corresponding to all paper coupons to the seller first. Then, when the consumer uses the coupon, the merchant in charge of the sale then sends the coupon that has been used back to the merchant who issued the coupon to confirm. Such an approach requires long-term verification by both sides of the merchant (issuing coupons and sellers) whether the coupons are actually used, whether the discount amount is correct, and whether the coupons have expired. On the other hand, for the issuance of coupons, if the circulation of coupons is large, it is equivalent to the risk of having to pay a large amount of money in advance and is not sure whether there is a real offset; even if it is settled monthly by the seller. In the way, when the number of different commodities corresponding to the coupons is too large, or the number of coupons used in the month is soaring, the labor and time costs of the two parties are even more unimaginable and there is no guarantee that they will not go wrong. In addition, if the coupon has specific conditions of use such as the period of use, the specific conditions for a particular member, and the number of purchases over a certain product, the same is true. It will consume a lot of time and cost for the seller to check. On the other hand, the conventional electronic coupons, if they are serialized, can only grasp the record of the consumer's credit, and the consumer obtains the coupon from the pipeline and induces the consumer to use the coupon to purchase. The motivations for products and services, such as online advertisements, texts, or introductions, have been decided to use the coupons and other details.

Furthermore, at the level of marketing, marketing companies have spent a lot of money on advertising, distributing various products related to advertising brands and trademarks, but for producing multiple different planes such as paper and posters. For public relations advertisers of various advertisements for advertisements and images of social networking sites, when the sales of various products are increased, decreased or balanced, it is impossible to know which advertisement, which platform advertisement or which type of advertisement Advertising has created a marketing advantage; from which channel (what kind of advertising, platform or print media, etc.) consumers receive coupons, where to use coupons, custom advertisements and other marketing information itself and coupons cannot Related to it, the public relations, marketing, and advertising industries have had many extra expenses and wastes for many years. In addition, because the use of coupons and marketing information such as viewing advertisements do not directly correspond to each other, the click-through rates of advertisements such as videos and photos that are currently broadcast on social networking sites and social media sites cannot be effectively reflected. The actual purchase behavior of consumers, even the click-through rate can be improved in an artificial way, and can not effectively reflect the actual behavior of consumers.

In addition, as the various social networking sites continue to evolve, the role of marketers is shifting from traditional advertising producers to immediate participants in marketing information. Marketers need to use data analysis to track customers, develop reasonable marketing strategies, and instantly target marketing information such as advertising. Traditional paper and electronic coupons are clearly unable to keep up with this trend.

Therefore, in order to overcome the aforementioned problems, there is no such creation.

The purpose of this creation is to provide a system for converting a transaction code structure into payment information, which is a transaction mode of B2B (business-to-business/transaction of merchants through various ways of e-commerce), thereby solving the conventional preferential treatment. The volume cannot be quickly used, the use of the coupon cannot be effectively combined with the marketing information, and there is no way to know the consumer from which the coupon is obtained, and the funds corresponding to the coupon are allocated to the merchant and the merchant. The party does not need to pay in advance, and effectively knows which advertisements cause consumers to use a certain coupon, and learns the various big data information that consumers receive from the pipeline, as a reference for future advertising marketing strategies.

To achieve the foregoing objectives, the present disclosure provides a system for converting a transaction code structure into payment information, the method of performing the method comprising the steps of: a step A, a step B, and a step C. In the step A, a transaction code structure is read by a first reading device to obtain a message. In the step B, the information is verified by an authorization information. In the step C, the payment information corresponding to the transaction code structure is obtained by the authorization information.

In an embodiment, the transaction code structure is a coupon volume identifier corresponding to a coupon of a merchant side; wherein the step A further comprises: reading the coupon identifier by the first reading device, And transmitting the coupon identification code to an intermediary device, wherein the intermediary device stores the authorization information; wherein the information is a coupon exchange information, the coupon exchange information includes a verification information and a transaction information; wherein the step B includes: verifying, by the authorization information, whether the verification information is valid; wherein the step C further comprises: if the verification information is valid, by using the authorization The information is converted into a payment information, and the payment information is transmitted to a card issuing party for verification. If the card issuing party verifies the verification, the payment corresponding to the coupon is allocated to the merchant.

In an embodiment, the payment information in the step C is one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to a plurality of merchants and the plurality of merchants are corresponding a plurality of coupons; wherein the merchant in the step A is one of the plurality of merchants and the coupon in the step A is one of the plurality of coupons.

In an embodiment, a step X1 is further included before the step A. In the step X1, the plurality of virtual credit card numbers converted from an original credit card number by a card issuing party are transmitted to the intermediary device for storage, and the plurality of virtual credit card numbers and the plurality of coupons are respectively corresponding to the plurality of merchants. square.

In an embodiment, before the step A, a step Z is further included. In the step Z, a consumer reads a barcode on a display device by using a second reading device to obtain a coupon. The display device includes a row of pin information.

In another embodiment, the transaction information further includes a payment corresponding to the coupon; wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the display device.

The present invention provides a system for converting a transaction code structure into payment information, comprising an intermediary device and a first reading device. The first reading device is configured to read a transaction code structure to obtain a message. The intermediary device is configured to store an authorization information, the authorization information includes a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured The information is verified by an authorized account, and the intermediary device obtains the payment information corresponding to the transaction code structure by the authorized account.

In implementation, the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the intermediary device is configured to receive the coupon identifier read from the first reader; The information is a coupon exchange information, the coupon exchange information includes a verification information and a transaction information; the intermediary device is configured to verify whether the verification information is valid by the authorized account, and if the verification information is valid, the intermediary device borrows The transaction information is converted into a payment information by the authorized account, and the payment information is transmitted to a card issuing party for verification. If the card issuing party verifies the verification, the amount corresponding to the coupon is allocated to the merchant.

In the implementation, the payment information includes one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to the plurality of merchants, and the plurality of merchants are corresponding to the plurality of coupons, wherein the merchant party Is one of the plurality of merchants and the coupon is one of the plurality of coupons.

In the implementation, the intermediary device is further configured to receive a plurality of virtual credit card numbers converted from an original credit card number by a card issuer; wherein the mediation device is further configured to respectively correspond the plurality of virtual credit card numbers to the plurality of coupons Multiple merchants.

In implementation, the system further includes a display device that displays a row of pin information and a code, wherein the bar code is for the consumer to read with a second reading device to cause the consumer to obtain the coupon.

In the implementation, the transaction information further includes the amount corresponding to the coupon; wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the display device.

1‧‧‧Intermediary device

2‧‧‧First reading device

3‧‧‧ card issuer

31‧‧‧ Issuer

32‧‧‧Receiver

33‧‧‧Authorized party

4‧‧‧second reading device

5‧‧‧Display device

6‧‧‧paper posters, electronic billboards, flat panels or platforms

Figure 1 is a schematic diagram of an embodiment of a system for converting a transaction code structure into payment information.

2A and 2B are diagrams showing an embodiment of a system for converting a transaction code structure into payment information.

Figure 3 is a flow diagram of an embodiment of a method of converting a transaction code structure into payment information for the present creation.

4A and 4B are schematic views of an embodiment of a system for converting a transaction code structure into payment information.

5A and 5B are diagrams showing an embodiment of a system for converting a transaction code structure into payment information.

Figure 6 is a schematic diagram of an embodiment of a system for converting a transaction code structure into payment information for the present invention.

Figure 7 is a schematic diagram of the operational mode of the system for converting the transaction code structure into payment information for the creation.

For the sake of a better understanding of the features and functions of the present invention, the same reference numerals are used to refer to the same or equivalent elements in the drawings.

Referring to FIG. 6, the present disclosure discloses a system for converting a transaction code structure into payment information, comprising an intermediary device 1, a first reading device 2, a card issuing party 3, and a second reading device 4. The card issuer 3 includes an issuer 31 and an acquirer 32 and an authenticator 33. The intermediary Setting a file to receive a coupon (or various items in the form of a wafer, a tape, etc.) corresponding to a merchant read from the first reading device 2 to obtain a transaction code structure (for example, implemented below) For example, a coupon code) to get a message. The mediation device 1 converts, maps, or maps the coupon identification code into the information (for example, in the following embodiment, a coupon exchange information), wherein the coupon redemption information includes a verification information and a transaction information. The mediation device 1 is configured to store an authorization information, the authorization information includes a plurality of authorization accounts, the plurality of authorization accounts are associated with the transaction code structure; and the mediation device 1 is configured to be an authorized account The information is verified, and the intermediary device 1 obtains payment information corresponding to the transaction code structure by the authorized account. The intermediary device 1 verifies whether the verification information is valid by the authorized account. If the intermediary device 1 verifies that the verification information is valid, the intermediary device 1 converts the transaction information into a payment information, and transmits the payment information to the card issuance. The party 3 performs verification, and if the card issuer 3 verifies the verification, the money corresponding to the coupon is allocated to the merchant.

Please refer to FIG. 3 , the method further discloses a method for allocating funds corresponding to a coupon to a merchant, comprising: Step A: reading the transaction code structure by the first reading device 2 to obtain the information; Step B: verifying the information by the authorization information; Step C: obtaining the payment information corresponding to the transaction code structure by using the authorization information.

The method and system of this creation will be detailed below. First, before the step A, the method further includes: in step X1, the issuer 31 provides a real credit card number (Real Card Number/RCN) and a credit facility registered to the issuer 31 to the mediation device 1 . In an embodiment, the mediation device 1 is a platform or a server. The hair The Bank 31 (Issuer) is a financial unit such as a bank; the certifying party is an Institute for Certification of Computer Profession such as VISA, Master Card, etc.; the creation is based on the Acquirer mentioned later. Single institutions such as general banks. Next, the authenticator 33 converts the original credit card number into a plurality of virtual card numbers (VCN), and transmits the plurality of virtual credit card numbers to the mediation device 1 for storage. In an embodiment, the plurality of virtual credit card numbers are storable in the authorized account. The virtual credit card number of the present creation is a dynamically changing virtual credit card number (Dynamic VCN), and each of the plurality of virtual credit card numbers is randomly generated. In addition, to ensure the security of each of the virtual credit card numbers, in one embodiment, each of the virtual credit card numbers of the creation is not disclosed to the merchant, the consumer, and the like. Then, the plurality of virtual credit card numbers and the plurality of coupons are respectively set to correspond to a plurality of merchants. In other words, the present creation can distinguish the payment corresponding to the payment corresponding to the coupon exchange of different merchants by the plurality of different virtual credit card numbers. In one embodiment, the virtual credit card number of the present creation corresponds to the merchant side as "one to one." In another embodiment, the virtual credit card number of the present creation may also correspond to the "one-to-many" and "many-to-one" of the merchant side and its sub-merger side. In another embodiment, a brand has multiple entities or online stores, but each entity or online store belongs to a different legal entity (ie, has a different bank account), and in this embodiment each store needs to be set differently. Merchant identification number (MID), meaning that each of the aforementioned stores will have a different VCN (due to the different MID). For example, a department store has a number of different brands of physical stores. Since the grants for the coupons are different to the accounts of different merchants, the physical stores of different brands will correspond to different VCNs; or, the online e-commerce platform There are different online stores that are also implemented. This creation uses multiple sets of virtual credit card numbers to correspond to different merchants (including their sub-businesses or not) In the case of a sub-merger, the plurality of sets of virtual credit card numbers correspond to a physical credit card number, thereby solving the aforementioned technical problem caused by the need for payment by a plurality of different merchants. In other words, only one company line number has a good credit line and loyalty (Loyalty), and it is possible to perform payment and related management for a plurality of different merchants with physical credit card numbers corresponding to multiple virtual credit card numbers. Further, the acquirer 32 includes a plurality of merchant identification codes (MIDs) corresponding to a plurality of merchants for the acquirer 32 to identify each merchant for use in a subsequent appropriation step. After the foregoing steps are completed, the mediation device 1 sets a plurality of promotional items corresponding to a promotion activity, for example, a plurality of products of a drug store such as toothpaste, cosmetics, and hand cream related promotional items. Under the cosmetics promotion project, various types of coupons such as a discount of 5%, a discount of NT$50 or a free exchange of face cream, etc., are set, and then the coupons are distributed to various marketing channels, as explained later.

Next, referring to FIG. 1 , before step A, a step Z is further included. In this step Z, a consumer reads a display device 5, a paper poster or an electronic board with the second reading device 4. , on the electronic or non-electronic marketing channels of social networking sites (such as Facebook, IG, Weibo, YouTube), or the barcodes of advertisements, advertisements or videos contained in social media sites (such as Facebook, IG, Weibo, YouTube), such as: For example, the QR code is connected to a coupon platform (please refer to Figure 4A) or the coupon itself to obtain a coupon (please refer to Figures 2A and 4B). The display device 5 includes a row of pin information, which may be a text description, a picture, a movie or a sound, etc. associated with the bar code. For example, in an embodiment, the display device 5 is a marketing description including a large restaurant chain, such as a new menu color, a text description of a promotion scheme, a picture, a movie, or a sound. The display device 5 also includes a promotion related to the promotion scheme. The QR code of the coupon, such as a specific meal offer, a double package offer, etc., allows the consumer to pass the second reading device 4 such as a smart phone, lithography A public-type (Public) coupon is obtained by reading a QR code reading program such as a computer, and the popular coupon is a coupon type that can be obtained by anyone. In another embodiment, the marketing information may be a coupon that is not directly related to the (etc.) network connection. For example, the marketing information is an introduction to the latest policy of an insurance company, and the coupons corresponding to the QR code such as the display device 5, the paper poster or the electronic signboard or the plane billboard 6 are, for example, a free health check. Dining discounts, shopping mall discounts, ticket discounts, etc. Personalized coupons that are not directly related to the marketing information, personal coupons are coupons that can be used by specific users, for example: The user ID (user ID, E-mail, or mobile phone, etc.) is used as a standard for differentiation. In another embodiment, as shown in FIG. 1, the network connection (QR code) connected to the coupon of the present creation can also be provided to the consumer by the marketer via the electronic mail box or the mobile phone, especially regarding some high Personalized coupons for value products such as mobile phones, laptops, airline tickets, etc. Please refer to the 2A and 2B drawings. The coupon of this creation includes a QR code, store/commodity picture, promotion name, discount type, discount ratio or discount amount, usage date, remark column, keyword field, and the like. The QR code includes a coupon code (message). If the coupon has been used, the QR code will be overwritten with the redeemed label. In another embodiment, the creation is to generate a Referral Coupon, that is, the Coupon of the creation can be recommended by one user to another user, and the Coupon of the creation is added to the plurality of Coupons. The flexibility of circulation between users; or, users can recommend coupons to new users in a manner similar to brand endorsements (such as web red, online celebrities recommending certain coupons, etc.).

In addition, please refer to the 5A and 5B diagrams. For the sake of safety, when the consumer wants to use the coupons of the high-value products such as mobile phones, laptops, airline tickets, etc. For consumers to get activated to send to personal mobile phone or email The password activates the multi-certification of the coupon to increase the security of coupons that are worthy of high-value products.

Then, in the step A, the first reading device 2 located at a physical store or an online store reads the QR code corresponding to the merchant's coupon, and obtains the coupon identification code, and the offer is obtained. The volume identification code is transmitted to the mediation device 1. The coupon identifier is a combination of a unique number of digits and a combination of words. Then, the mediation device 1 correspondingly maps, converts, or converts the coupon identification code into a coupon exchange information, and the conversion may be performed by previously setting the corresponding data in the mediation device 1 or immediately responding to the relevant data on the line. The coupon redemption information includes a verification information, a transaction information or a coupon source information, and the verification information includes: a promotion identifier (promotion ID), a promotion name, a coupon name, a coupon identifier, a coupon. Use/update date, coupon activation status, consumer ID (user ID, E-mail, mobile number), key value pairing, discount content, merchant identification number (MID), discount store identifier (store ID), product/service identifier and its maximum/minimum number of times, etc., the coupon source information is where the consumer obtains the coupon and the coupon source information corresponds to the display device 5, the Paper posters or electronic billboards, flat panels or platform 6 information, so that the system of the creation can obtain, for example, the channel from which the coupon (eg, which coupon in the advertisement is available), who is using it, and who is using it. Recommend, in which store, what products, etc., from marketing, trading to appropriation. The transaction information includes the amount of money to be paid to the merchant based on the discount ratio or amount, the current exchange rate, etc., that is, the actual amount corresponding to the coupon. In other words, the creation considers the issue of security, and the coupon itself includes only the coupon identifier. Of course, in other embodiments, the creation may also be allocated to the coupon in the form of system performance, such as system performance, etc., by re-adjusting the verification information, the transaction information, or the source information of the coupon. Within the scope of this creation. Then, the mediation device 1 verifies whether the verification information is valid, including verifying whether the foregoing information, such as the expiration date, whether it is activated, or whether it has been used, is completely consistent with the foregoing setter, and is not described herein. In another embodiment, it is also possible to verify that the coupon volume identification code is consistent with the setting of the mediation device 1 to improve system performance. In the step B, if the mediation device 1 verifies that the verification information is valid by the authorization information, that is, all the verification information mentioned above is consistent with the preset information, conditions, etc., for example, the consumer is in the coupon. In the corresponding step C, the intermediary device 1 converts the transaction information into a payment information, and the payment information includes the specific information corresponding to the merchant. The virtual credit card number corresponds to the amount corresponding to the coupon, and the payment information is transmitted to the card issuer 3 for verification. Therefore, as can be seen from the foregoing, since the coupon identification code corresponds to each of the coupon conversion information, as described above, it can be learned from the consumer through the coupon of the creation. (including which type of marketing information, connections to social networking sites, advertisements in marketing videos, etc.) to know which promotion to get the coupon, and then to which store (physical store, online store) Which specific storefront (restaurant, drug store, department store, etc.) is used for this purpose, this creation can effectively grasp all the details from the marketing media (acquisition of the coupon) to the consumer's use of the coupon, and will be marketing and Consumption is linked in tandem. Then, in the step C, if the card issuer 3 is successfully verified, that is, the transaction is established, the money corresponding to the coupon is allocated to the merchant after several working days, and the The amount corresponding to the coupon is allocated to the merchant's technical effect (B2B). In another embodiment, when the consumer A shares the recommended coupon to the consumer B, the verification information includes information of the user ID (ID) of the shareee, thereby tracking which consumer recommendation is recommended. To which consumer, and the coupon ID of the shared coupon will be synchronized Update. In another embodiment, when the consumer A shares the recommended coupon to the consumer B, the content of the coupon redemption information, such as the verification information, is updated together, except that the coupon identifier is updated synchronously. In order to increase the overall security of the coupons of this creation.

In another embodiment, please refer to FIG. 6, which further includes a step A1. In the step A1, as described above, the mediation device 1 converts, maps or correspondingly converts the coupon identification code into the coupon exchange information. In the step C, if the mediation device 1 verifies that the verification information is valid, the mediation device 1 converts the transaction information into the payment information including the virtual credit card number, and transmits the payment information to the acquirer. 32. The acquirer 32 transmits the virtual credit card number and the money to the authenticator 33, and the authenticator 33 transmits the virtual credit card number to the issuer 31 for verification, and verifies the original credit card number (RCN) corresponding thereto. Confirm that the virtual credit card number is correct. The step C further includes a step C1. In the step C1, if the issuer 31 verifies the verification, a confirmation payment message is sent to the acquirer 32, so that the acquirer 32 determines the payment according to the merchant identification code. Grant the money to the merchant and complete the steps for the entire coupon rollout for this creation.

In addition, the method and system of this creation is planned in a framework that conforms to the RESTful application programming interface (API), and thus is effectively compatible with various interfaces of today's payment/gold flow systems. In other words, this creation can save the erection, maintenance and management of the servers necessary for today's program development, and can be effectively incorporated into the servers of existing vendors' existing systems (such as IOS or Android system APP).

Please refer to Figure 7. First of all, the method and system of this creation can initiate the promotion immediately, according to the budget size and the consumption habits of the target consumers, and the promotion of the promotion activities, including the promotion project setting, Promotional item set for promotional items. Then, through the cloud-based storage-based automated coupon circulation process (with API architecture), the consumer's consumption habit data is obtained by the generation, distribution, activation and offset of the coupon volume, such as tracking the consumer's reaction to the advertisement, and the preferential treatment. The volume obtains the path and the related data to obtain the consumer's consumption behavior data. Finally, conduct marketing data analysis, and develop new marketing strategies, gain a consumer's overall vision, promote lifetime value and enhance deeper marketing insight.

In addition, the data obtained through the system of the present creation can be subjected to, for example, a descriptive analysis, that is, to view everything that occurs in the marketing activity and the coupon-receiving business. For example, how often the ad delivery frequency and different pipelines affect the number of transactions per user per campaign; diagnostic analysis, that is, understand why certain events occur, such as the impact of ad publishing behavior on sales. For customer surveys, this creation applies a well-known market survey to the analysis of the data generated by the method and system of this creation, enabling marketers to not only track customer intent, but also track actual purchase behavior. The method and system of this creation can help marketers test the needs of specific consumers and help achieve the desired goals by combining the marketing of data analysis with the real content of the coupons. In terms of artificial intelligence, through all the data collected by this creation, marketers can make predictions about consumer and market development, using historical data to predict possible future outcomes. For example, by using unsupervised machine learning to analyze customers, predicting sales volume or customer lifetime value (returnion model), and using comments from automated survey system (automated survey system) And ratings for product sentiment analysis.

Therefore, this creation has the following advantages:

1. Starting from the setting of the coupon promotion, this creation can effectively set a reasonable budget and target consumers and provide different types and content coupons for different merchants to "instantly" initiate promotions, by placing multiple virtual credit cards. The card number corresponds to different merchants, and the funds corresponding to the coupons are effectively allocated to different merchants (B2B), and the merchants no longer need to advance in advance.

2. The VCN payment of this creation can reduce the complexity of related matters such as compliance with financial laws and help achieve zero waste. The coupon is no longer required to be paid in advance, and the merchant can obtain the payment authorization by the virtual credit card (VCN) set by the author immediately when the consumer redeems the coupon, and obtain the payment in a few days. The VCN payment solution not only simplifies risk management, lowers overall operating costs, but also enhances the management of the entire coupon roll-off process.

3. This creation is based on the API programming language architecture. In other words, the creation system can be directly integrated into most of today's electronic payment architecture without resetting the APP-specific server.

4. This creation provides instant access to campaign information and even consumer behavior through campaigns and web APIs. Through this creative method and system, marketers can track all the details of the user's access to the coupon (whether through online advertising, Facebook, physical magazines or other channels), until and when, and where Was used.

5. This creation can provide recommended coupons for consumers to recommend, promote and share coupons on behalf of a brand. This creation can not only trace which consumers recommend, promote and share to which consumers, but also accurately measure CPT (per Set by transaction cost) The best distribution strategy for a certain coupon is personal, public or recommended.

6. The method and system of the creation can effectively track the redemption behavior of the consumer after viewing the marketing information and obtaining the coupon, so that the marketer can effectively track the consumer's reaction to the marketing information, such as the pipeline and the credit of the coupon. Data on the status, and data on consumer spending habits for big data analysis to achieve unpredictable technical results in developing new marketing strategies, gaining a consumer's overall vision, promoting lifetime value and enhancing deeper marketing insights .

The above is a specific embodiment of the present invention and the technical means used therein, and many changes and modifications can be derived therefrom according to the disclosure or teachings herein, and the equivalent changes made according to the concept of the present invention are produced. The role shall not be considered to be within the technical scope of this creation, and shall be preceded by Chen Ming.

According to the content disclosed above, this creation can achieve the new intended purpose, and provide a system for allocating funds corresponding to the coupon to the merchant side. The value of industrial utilization and practicality is undoubted, and a new patent application is filed according to law.

Claims (6)

A system for converting a transaction code structure into payment information, comprising: a first reading device for reading a transaction code structure to obtain a message; and an intermediary device for storing an authorization information, the authorization information including a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured to verify the information with an authorized account, and the intermediary device obtains the transaction code structure by using the authorized account Payment information. The system of claim 1, wherein the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the intermediary device is configured to receive the read from the first reader The coupon identification code; wherein the information is a coupon exchange information, the coupon redemption information includes a verification information and a transaction information; the intermediary device is configured to verify, by the authorized account, whether the verification information is valid, if If the verification information is valid, the intermediary device converts the transaction information into a payment information by using the authorized account, and transmits the payment information to a card issuing party for verification. If the card issuing party successfully verifies, the corresponding volume corresponding to the coupon is Funds are allocated to the merchant. The system of claim 2, wherein the payment information is one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to a plurality of merchants and the plurality of merchants are corresponding plural a coupon, wherein the merchant is one of the plurality of merchants and the coupon is one of the plurality of coupons. The system of claim 3, wherein the intermediary device is further configured to receive a plurality of virtual credit card numbers converted from an original credit card number by a card issuer; wherein the mediation device is further configured to virtualize the plurality of virtual credit card numbers The credit card number and the plurality of coupons are respectively corresponding to each other. Several merchants. The system of claim 2, 3 or 4, further comprising: a display device displaying a row of pin information and a code, wherein the bar code is for the consumer to read by a second reading device And the consumer gets the coupon. The system of claim 5, wherein the transaction information further includes a payment corresponding to the coupon, wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the Display device.