TWM595814U - Point management system - Google Patents

Abstract

A point management system, which is mainly composed of a point management system and at least one mobile information device. The point management system can manage at least one user's digital point account and can communicate with each other between different digital point accounts Transfer points, and can encode the specified number of digital points into a digital point bar code, and record the digital point bar code on a smart point card, the smart point card can be set to be anonymous or registered How to use, users can use the smart point card to directly exchange goods or transactions when using anonymous credits. When using registered credits, users can gift other digital users after the stored value points, and limit the use of points to limit the use of the recipients The purpose of points is to avoid the improper use of digital points.

Description

Credit Management System

This creation relates to a point management system, especially a point management system where system users can give points to each other and limit the use of the points.

With the advancement of e-commerce technology, digital points can now be used to pay or deduct amounts in transactions. At present, digital points are mainly managed on a point management server, and system users can manage the digits through the point management server For the stored value and trading activities of points, please refer to Patent No. TW201508669 "Bonus Points Acquisition Mechanism Method and System, Bonus Point Presentation, Transfer and Redemption Mechanism Method and Trading System", this patent discloses a bonus point Obtaining mechanism methods and systems, bonus point giving, transfer and redemption mechanism methods and trading systems, users mainly use QR Code identification codes to obtain gifted bonus points, and members can obtain different levels of bonus points through consumption or non-consumption behavior. Commonly used in cooperative service provider stores, and bonus points can be conditionally gifted among members at different levels. The bonus points can be deducted from the consumption amount or redeemed in the welfare shopping mall. Among them, the member proposes to transfer the bonus points When transferring and giving, the A member first logs into the welfare shopping mall service platform and selects the designated object through the point service module to make a request for the point gift and transfer request. The welfare shopping mall service platform can process the gift and request. Allows A members to receive bonus points from designated objects.

However, from the point of view of the previously disclosed patents and the current existing equipment, after the digital point server gives the digital points to the other party, the right to use the digital points donated is controlled by the recipient, and the recipient can use the digital points freely However, under some special circumstances, the donor will require the recipient to use the digital points, for example, the digital points donated by the merchant event, the event organizer will hope that consumers can use points to purchase or redeem designated products, and To increase the sales volume of the product, if the use of points cannot be restricted by consumers, the purpose of increasing the sales of specific products through gift points cannot be achieved; for example, school units send digital points to students, hoping that students can use the points Purchase books to read, however, if there is no limit to the use of points, students may also spend the points on illicit goods (such as cigarettes, alcohol and other items), according to which, if the gift points can be limited Use purpose to achieve a specific purpose, this is a problem to be solved.

In view of the above-mentioned problems, the author is based on years of experience in related industries, research and improvement of the point management system; for this reason, the main purpose of this creation is to provide a point that can be given to each other, and can further A point management system that grants points for trading restrictions.

In order to achieve the above purpose, the created point management system is mainly composed of a point management system and at least one mobile information device. The point management system can manage at least one user's digital point account and digital At least one e-wallet under the point account can transfer points between different e-wallets. Furthermore, when the system user presents the point to other system users, the system user can set a transaction limit information first, so that In the process of transferring points, the point management system can create a new e-wallet in the digital account of the donated user when detecting transaction limit information, and encode a transaction based on the transaction limit information for this e-wallet The restriction code enables the point management system to monitor the transaction status of the transaction restriction code of the electronic wallet, thereby excluding transactions that do not meet the transaction restriction code, so as to improve the marketing success rate of the digital points and avoid abuse of the digital points.

In order to enable your reviewing committee to clearly understand the purpose, technical features and effects of this creation, the following description is accompanied by illustrations, please refer to it.

Please refer to "Figure 1", which shows the system architecture of the creation. As shown in the figure, this creation proposes a point management system 10, which includes a point management server 101 and at least one mobile information device 102, Among them, the point management server 101 completes the information connection with each mobile information device 102; the point management server 101 can manage the accounting records of all digital points, manage the use of digital points of all users, and manage the issuance The use of all digital points, manage the merchant's digital points in and out detailed records and calculations, where the digital points are electromagnetic information composed of information codes, and the point management server 101 can assign the specified amount of digital points The digital code is a digital point barcode for system users to store value, and the digital point barcode can be recorded on a smart point card, which can be a physical card, a virtual picture of a physical paper or a virtual card; the action described The information device 102 can be a smart phone, which includes a microprocessor, a camera lens, an input module and a network connection module. The mobile information device 102 can scan the digital point barcode of the smart point card to perform Digital value storage, in addition, system users can transfer digital points to other system users through mobile information device 102, and can further limit the use of the digital points donated to avoid the abuse of digital points In addition, the mobile information device 102 can be installed with a point processing program, which can perform operations such as digital point storage, transfer, and transaction after executing the point processing program.

Please refer to "Figure 2", which is a schematic diagram of the composition of the creation. As shown in the figure, the point management server 101 includes an arithmetic processing module 1011, a storage module 1012, and a point management module. Group 1013, a transaction verification module 1014, a bar code generation module 1015, and a network connection module 1016 and the arithmetic processing module 1011 complete the information connection; (1) The arithmetic processing module 1011 is used to operate the point management server 101 and drive the above-mentioned modules, and has functions such as logical operation, temporary storage of operation results, and storage of execution instruction positions. A central processing unit (Central Processing Unit, CPU) or a microcontroller (Microcontroller Unit, MCU); (2) The storage module 1012 is a data storage element, such as a solid-state memory such as a semiconductor memory, a hard disk drive (Hard Disk Drive, HDD), or a solid state drive (Solid State Drive, SSD), etc. A device that can store electronic data; the storage module 1012 includes a user database 10121, a condition database 10122, and a merchant database 10123; the user database 10121 stores at least one digital point account, an account Transaction record information and user identity information, wherein each digital point account has a set of account identification codes for the point management server 101 to identify and search, and each digital point account includes at least one electronic Wallet, the electronic wallet can store electromagnetic records of digital points, and can be used to import and export digital points, and record the number of stored digital points. Furthermore, each electronic wallet has a set of wallet identification codes , For the point management server 101 to identify and search for the specified electronic wallet with the wallet identification code, the point management server 101 can also set a set of transaction restriction codes for the specified electronic wallet, so that the point management server 101 can pass through Read the transaction limit code to control the transactions of specific digital wallets under the digital point account, that is, the transfer of limited digital points; the condition database 10122 stores at least one piece of transaction limit information, where the transaction limit information can be passed through the point The number management server 101 is input and created, and the transaction limit information can limit the transaction of each point information. After the system user selects the specified transaction limit information, the point management server 101 can set the electronic based on the selected transaction limit information The transaction restriction code of the wallet to limit the transfer of digital points of the electronic wallet. Among them, the transaction restriction information can set the use of digital points, such as the types of goods and merchants that cannot be purchased with digital points, or specify the types and merchants of purchased goods In the following example, the system user has a restricted electronic wallet, and 3000 points are stored in the electronic wallet. The electronic wallet is set with a set of transaction restriction codes. The condition is that alcohol drinks cannot be purchased. When the system user uses this When the e-wallet makes a payment, the point management server 101 receives the transaction and can use the transaction restriction code of the e-wallet to determine that the transaction does not meet the conditions and cancel the transaction to achieve the control of digital point transfer (transaction) Status, the above is only for explanation, not for limitation, it is stated first; the merchant database 10123 stores at least one merchant identification information, and the merchant identification information can correspond to the transaction restriction information, so that the transaction restriction information It can be added or subtracted according to the merchant identification information. The merchant identification information at least includes one or a combination of a merchant location information, a merchant type information and a commodity information; (3) The credit management module 1013 can set a set of transaction restriction codes for each electronic wallet based on the transaction restriction information of the condition database 10122. In addition, the credit management module 1013 can manage each digital credit account , And each e-wallet under each account, transfer digital points from different e-wallets, and the point management module 1013 can also receive a stored value request sent by each system user with the mobile information device 102, and specify The number of digital points is imported into the designated electronic wallet; (4) The transaction verification module 1014 can retrieve the transaction restriction code of the electronic wallet and compare the transaction restriction code with a transaction information. When the transaction information matches the transaction restriction code, the transaction verification module 1014 determines the The transaction information is verified successfully, and the transaction is executed. On the contrary, if the transaction verification module 1014 determines that the verification fails, the transaction is cancelled, where the transaction information includes payment information, merchant identification information, and product information; (5) The bar code generation module 1015 described above can encode one-point stored value information into a digital point bar code. Furthermore, the point management module 1013 can perform the stored value operation of digital points based on the point stored value information In addition, the digital point barcode may be one of a one-dimensional barcode, a two-dimensional barcode, a graphic barcode or a time digital information totem, wherein the time digital totem is the time, text, number or Web site and other information are encoded in digital images or totems; (6) The network connection module 1016 can be connected to an Internet to enable the point management server 101 and the mobile information device 102 to complete the information connection.

Please refer to "Figure 3". The figure shows the schematic diagram of the implementation of the creation (1). Please refer to "Figure 2". As shown in the figure, when the user wants to store value points, the user can scan with the mobile information device 102 A digital point barcode C1 of a smart point card C. When the mobile information device 102 retrieves the digital point barcode C1 and further decodes the one-point stored value information, the mobile information device 102 can generate based on the point stored value information A stored value request D1, and the stored value request D1 is sent to the point management server 101, wherein the stored value request D1 includes point stored value information and account identification code, and, when the point management server 101 After receiving the stored value request D1, the point management module 1013 will retrieve the stored value information and account identification code in the stored value request D1, and use the account identification code to search the corresponding digit in the user database 10121 Credit account, and then import it into the digital wallet of the digital credit account based on the number of digital credits specified in the credit stored value information, where the credit management module 1013 will further detect digits when storing digital credits Whether all the e-wallets in the points account contain transaction limit codes, the point management module 1013 will import the stored digital points into the e-wallet without transaction limit codes to prevent the system users from storing the digital values Points are regulated. In another embodiment, the stored value information of the points decoded by the digital point barcode C1 can further include transaction restriction information. The point management module 1013 can retrieve the stored value information of the points. The received transaction limit information will be imported into the digital wallet with the transaction conditions that match the transaction limit information. This embodiment can be applied to the designated destination point account (such as company use) implementation; also, smart points Card C can be set to anonymous and registered use. Taking anonymous use as an example, users can directly use the smart point card C to exchange goods or transactions with merchants, so that the merchant can scan and scan the digital point barcode of the smart point card C. After C1, part or all of the digital points can be stored (redeemed). Take the use of the name as an example. Users can use the smart card C to store the value and then give it to other users, and limit the use of the digital points.

Please refer to "Figure 4". The figure shows the flow chart of the point rewards for creation, and also refer to "Figure 2", the implementation method S of the point management system of the creation is as follows: (1) Create point transfer information Step S1: After the system user activates the mobile information device 102, the mobile information device 102 can display an operation interface 1021, and the system user can choose to execute the point gift unit 1022 in the operation interface 1021 to enable the system user The point giving unit 1022 can be edited through the mobile information device 102 to create and edit point transfer information D2, wherein the point transfer information D2 includes an account identification code for point export and import, and a point transfer quantity , Where, according to the settings of the system user, the point transfer information D2 may further include a transaction restriction information; (2) Set transaction limit information step S2: Please refer to "Figure 5" ~ "Figure 6", the figure shows the schematic diagram of the implementation of the creation (two) ~ (three), as shown in the figure, when the points are transferred After the information D2 is created, the mobile information device 102 can further set the account identification code of the exported points, the account identification code of the imported points, the number of one-point transfers, and the transaction limit information to the point transfer information D2, where the action After the information device 102 and the point management server 101 complete the information connection, the transaction limit information of the condition database 10122 can be further imported into the point giving unit 1022 for the system user to set the transaction limit information of the given point And, after the point transfer information D2 is set, the mobile information device 102 can send the point transfer information D2 to the point management server 101. As shown in the figure, the system user can set the transaction limit information Set the use of digital points, for example, the digital points are only for the purchase of merchandise items or stores, or prohibited purchases of merchandise items or stores. When the system user selects the purchase-only option, the recipient can only enumerate the number of digital points paid. For product items or stores, when the system user selects the prohibition of purchase option, the recipient can only give the digital items to the listed merchandise items or stores, but does not include other merchandise items or stores, but it is not limited to this; (3) Process point transfer information Step S3: Please refer to "Figure 7", the figure shows the schematic diagram of the implementation of the creation (four), as shown in the figure, when the point management server 101 receives the point transfer information After D2, the point management module 1013 can search the corresponding digital point account in the user database 10121 based on the account identification code of the point transfer information D2 (including the exporter and the importer), and find the corresponding After the digital credit account, the credit management module 1013 can further transfer the digital credit between the two credit accounts; (4) Set the transaction limit code for the e-wallet Step S4: Please continue to refer to "Figure 7", when the digital points are imported into the specified digital point account, the point management module 1013 will further detect the point transfer Whether the information D2 has transaction restriction information, if the point transfer information D2 contains transaction restriction information, the point management module 1013 will add an e-wallet to the importer’s digital point account, and generate based on the transaction restriction information A transaction limit code, and then encode the transaction limit code in the newly created e-wallet and import the digital points into the e-wallet. If the point transfer information D2 does not contain the transaction limit information, the point management module 1013 will Import the digital points into the existing electronic wallet of the digital point account, where the import order can be sorted based on the electronic wallets of the digital point account, but not limited to this; (5) Monitoring point transaction step S5: After the point management module 1013 completes the transfer of digital points, the transaction verification module 1014 will continue the transactions made by each digital point account.

Please refer to "Figure 8", which shows the flow chart of the transaction monitoring of the creation, and refer to "Figure 2", the implementation method S of the point management system of the creation, the point management server 101 completes the digital After the transfer of points, the user is presented with the use of restricted points (named points). In the state of registered use, the transactions conducted by the user must meet the transaction restrictions. The implementation method of the point management system S further includes There are the following steps: (1) Receiving point transaction request Step S51: Please refer to "Figure 9", the figure shows the schematic diagram of the implementation of the creation (five), as shown in the figure, when the system user uses points, the mobile information device 102 can Send a transaction request D3 to the point management server 101, wherein the transaction request D3 includes transaction information (including payment information, merchant identification information and product information), account identification code and wallet identification code; (2) Detect whether there is a transaction restriction code in the electronic wallet Step S52: After the point management server 101 receives the transaction request D3, the transaction verification module 1014 will retrieve the account identification code in the transaction request D3 and store it in the user database 10121 Search for the corresponding digital credit account, and find the specified electronic wallet based on the wallet identification code. Furthermore, the transaction verification module 1014 will further detect whether the specified electronic wallet has a transaction restriction code, if the electronic wallet does not have a transaction When restricting the code, proceed to the step "deduct points from the digital point account", if the electronic wallet has a transaction restricting code, then proceed to the "review point transaction request" step; (3) Step S53 of audit point transaction request: When the transaction verification module 1014 detects that the electronic wallet has a transaction restriction code, the transaction verification module 1014 can compare whether the transaction information complies with the transaction restriction code, and if the comparison result is consistent, Perform the step of "Deduct Points from Digital Point Account". If the comparison result is not in compliance, the transaction verification module 1014 rejects the transaction information; (4) Deduct points from the digital point account Step S54: The point management module 1013 transfers the digital points in the electronic wallet to the merchant's electronic wallet based on the payment information of the transaction request D3.

Please refer to "Figure 10", the figure shows another embodiment of the creation (a), as shown in the figure, a merchant-side device 103 is connected to the point management server 101, the merchant-side device 103 The transaction information can be sent to the point management server 101, which can be a Point of Sales terminal (Point of Sales). When the merchant device 103 completes the checkout operation, the consumer can enter the account identification code and the merchant device 103 The wallet identification code enables the merchant-side device 103 to return transaction information, account identification code and wallet identification code to the point management server 101, according to which the user can go online even when the user information device 102 is not carried In the following environment, the transaction is completed through the merchant device 103.

Please refer to "Figure 11", which shows another embodiment (2) of the creation. As shown in the figure, the point management server 101 is connected to a blockchain network 104 and the storage module 1012 can Connect to the blockchain network 104, and store the digital point account in the blockchain network 104, so that the digital point account created by the point management server 101 is not easy to be tampered with, and each transaction record can also be Stored in the blockchain network 104 for query by the point management server 101, wherein the blockchain network 104 is a storage network based on blockchain technology and formed by several servers, with The characteristic of not being easily tampered with, thereby enhancing the security of the point transaction of the point management server 101.

In summary, the point management system referred to in this work is mainly composed of a point management system and at least one mobile information device. Among them, system users can send point transfer information to the point management system through the mobile information device. Enable the credit management system to transfer digital credits from a donor’s e-wallet and transfer the digital credits to a digital credit account of the designated system user, where the credit management system can transfer a transaction based on credits Restriction information, add another e-wallet to the recipient's digital credit account, and set a transaction restriction code on the electronic wallet, so that the credit management system can monitor the transaction status of the electronic wallet and restrict the digital points in the electronic wallet The purpose of the credits; accordingly, after the creation of this book, it can indeed achieve the purpose of providing a credit management system that can give points to each other and further restrict the transaction of the gifts.

The above are only the preferred embodiments of this creation, and are not intended to limit the scope of the implementation of this creation; anyone who is familiar with this skill will make equal changes and modifications without departing from the spirit and scope of this creation. It should be covered by the patent scope of this creation.

In summary, this creative department has patent requirements such as "industrial utility", "novelty" and "progressiveness"; the applicant has filed an application for a new type of patent with the Bureau of Law in accordance with the provisions of the Patent Law.

10: Point management system

101: point management server

102: Mobile Information Device

1011: arithmetic processing module

1021: Operation interface

1012: Storage module

1022: Credit giving unit

10121: User database

10122: Conditional database

10123: Merchant database

1013: Credit management module

1014: Transaction verification module

1015: Barcode generation module

1016: Network connection module

103: Merchant device

104: Blockchain network

C: Smart point card

C1: digital point barcode

D1: Stored value request

D2: Point transfer information

D3: Transaction request

S: Implementation method of point management system

S1: Steps to create point transfer information

S2: Steps to set transaction limit information

S3: Steps for processing point transfer information

S4: Steps to set transaction restriction code for e-wallet

S5: Monitoring points transaction steps

S51: Steps to receive credit transaction request

S52: Steps to detect if the electronic wallet has a transaction restriction code

S53: Review points transaction request step

S54: Step of deducting points from digital point account

Figure 1 is a system architecture diagram for this creation. Figure 2 is a schematic diagram of the composition of this creation. Figure 3 is a schematic diagram of the implementation of this creation (1). Figure 4 presents a flow chart of points for this creation. Figure 5 is a schematic diagram of the implementation of this creation (2). Figure 6 is a schematic diagram of the implementation of this creation (3). Figure 7 is a schematic diagram of the implementation of this creation (4). Figure 8 is a flow chart of transaction monitoring for this creation. Figure 9 is a schematic diagram of the implementation of this creation (5). Figure 10 is another embodiment (1) of this creation. Figure 11 is another embodiment (2) of this creation.

101: point management server

1011: arithmetic processing module

1012: Storage module

10121: User database

10122: Conditional database

10123: Merchant database

1013: Credit management module

1014: Transaction verification module

1015: Barcode generation module

1016: Network connection module

Claims (10)

A point management system, including: a point management server, with an arithmetic processing module, another storage module, a point management module, and a transaction verification module to complete information connection with the arithmetic processing module; The arithmetic processing module is used to run the point management system; the storage module has a user database and a condition database, the user database stores at least one digital point account, each of the digital point accounts has At least one electronic wallet, each of the electronic wallets stores at least one digital point, and the condition database stores at least one transaction restriction information; the point management module generates a transaction restriction code based on the transaction restriction information, The transaction restriction code is encoded in the electronic wallet, the point management module can transfer part or all of the digital points in each electronic wallet; the transaction verification module can compare the transaction restriction code of the electronic wallet with a transaction Information, the point management module can transfer the unpointed points according to the comparison result; and a mobile information device that completes the information connection with the point management server, the mobile information device can submit a transaction request to the point Management server, the transaction request contains the transaction information. The point management system as described in item 1 of the patent application scope, wherein the point management server includes a bar code generation module The generating module and the arithmetic processing module complete the information connection, and the bar code generating module can encode the one-point stored value information into a one-point bar code. The point management system as described in item 2 of the patent application scope, wherein the digital point barcode is recorded on an intelligent point card. The point management system as described in item 3 of the patent application scope, wherein the smart point card is a physical card. The point management system as described in item 3 of the patent application scope, wherein the smart point card is a virtual card. The point management system as described in item 2 of the patent application scope, wherein the digital point barcode is one of a one-dimensional barcode, a two-dimensional barcode, a graphic barcode or a time digital information totem. The point management system as described in item 1 of the patent application scope, wherein the mobile information device transmits point transfer information to the point management server, and the point transfer information has the transaction restriction information to make the point Based on the point transfer information, the management module adds an electronic wallet with a transaction limit code to the specified point account and transfers the point. The point management system as described in item 1 of the patent application scope, wherein the mobile information device transmits point transfer information to the point management The server enables the point management module to transfer the digital points in the electronic wallet of the specified digital point account based on the point transfer information. The point management system as described in item 1 of the patent application scope, wherein information of a merchant-side device is connected to the point management server, and the merchant-side device can transmit the transaction information to the point management server. The point management system as described in item 1 of the patent application scope, wherein the point management server is connected to a blockchain network, and the storage module is connected to the blockchain network to connect each The digital credit account is stored on the blockchain network.

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