TWM601396U - Cross-industry point trading apparatus, cross-industry trading machine and bank server device - Google Patents

Abstract

A cross-industry point trading equipment includes a front-end device, N cross-industry member servers and a branch host. The bank terminal device receives a transaction information, and generates a transaction summary data with the transaction information and a store identification code. The shunt host judges whether the points are discounted according to the member information of the different industry and the store identification code. The cross-industry member server generates an output with a deductible amount based on the transaction information to the branch host, and the branch host generates an acquiring instruction based on the deducted amount and the transaction information to execute an acquiring transaction , And output a transaction result information to the shunt host. Therefore, after automatic identity verification, you can choose to redeem the points of members in different industries immediately, or you can accumulate member points in different industries immediately.

Description

Cross-industry point transaction equipment, cross-industry transaction machine and bank server device

This new model relates to an automated channel machine, in particular to a cross-industry point trading device and cross-industry transaction that can choose to use cross-industry membership points for instant discount after automatic identity verification, and can also instantly accumulate cross-industry membership points Machine and bank server.

The members of electronic transactions usually have the membership status of multiple different trading platform machines, and they accumulate the membership points of different trading platform machines. However, the member points can only be used for the cooperation channels of the trading platform machines and the exchange threshold requirements for more points are used. There are often restrictions on the application scenarios of user membership points, and the scattered points are inconvenient to use. The points cannot be used up within the time limit and become invalid. Therefore, how to integrate various trading platform machines in different industries is the future research direction.

Therefore, the purpose of the present invention is to provide a point trading device for different industries that solves the above-mentioned problems.

Therefore, the new cross-industry point trading equipment includes a front-end device and a cross-industry transaction machine. The cross-industry transaction machine includes N cross-industry member servers and a bank server. N≧1, N is a positive integer. The bank server device includes a shunt host and an acquiring host.

The front-end device receives a transaction information, and generates a transaction summary data with the transaction information and a store identification code, and includes a mobile device and a sales terminal. The mobile device executes a payment mobile program to generate a two-dimensional image code, the two-dimensional image code indicates a transaction information, the transaction information includes a total amount, a payment type, and a member of a different industry. The sales terminal performs image capture on the two-dimensional image code, and generates a transaction summary data with the transaction information and a store identification code corresponding to the sales terminal.

The shunt host electrically connects the N cross-industry member servers and the point-of-sale terminal to receive the transaction summary data from the point-of-sale terminal, and judges whether the point discount is met based on the cross-industry member information and the store identification code, If yes, output the transaction information to the corresponding cross-industry member server. The cross-industry member server generates a deductible amount based on the transaction information and outputs it to the shunt host, and the shunt host according to the deducted amount Generate an acquiring instruction with the transaction information.

The acquiring host is electrically connected to the shunt host to receive the acquiring instruction, execute an acquiring transaction, and output a transaction result information to the shunt host.

The function of the new model is: to connect users with different industry member identities on multiple platforms through automated channels. When using wallet transactions, they can instantly deduct other industry member points, and the transaction amount can also instantly accumulate different industry member points for integration. Multi-platform credit application.

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

Refer to Figure 1, an embodiment of the new type of cross-industry point transaction equipment, allowing users to complete the identity verification through an automated channel to connect to the cross-industry membership, and when the mobile phone opens the CITIC Wallet mobile application (hereinafter referred to as APP) for transactions You can choose to use cross-industry member points (such as the OPENPOINT of the unified supermarket) to instantly redeem, and you can also accumulate cross-industry member points instantly, that is, points that can be used on other cross-industry platforms when trading in the CITIC Wallet APP, such as in A The platform payment system can use B platform member points, and the cross-industry point transaction equipment includes a front-end device 1 and a cross-industry transaction machine 4 suitable for communicating with the front-end device 1. The front-end device 1 includes a mobile device 2 and a sales terminal 3. The cross-industry transaction machine 4 includes N cross-industry member servers 5 and a bank server 6. The bank server device 6 includes a shunt host 7 electrically connected to the sales terminal 3 and N cross-industry member servers 5 and an acquiring host 8 electrically connected to the shunt host 7.

As shown in Figure 2, the cross-sector point trading device executes a cross-sector point trading method, which includes steps (S) to (I):

Step (S): The front-end device 1 receives a transaction information and generates a transaction summary data with the transaction information and a store identification code, wherein the step (S) includes sub-steps (A) to (B).

Sub-step (A): The mobile device 2 executes a payment mobile program (such as the CITIC Wallet APP) to generate a QR code indicating a transaction information. The transaction information includes a total amount, a payment type, and A member information of a different industry.

Sub-step (B): The sales terminal 3 performs image capture on the two-dimensional image code, and generates a transaction summary data with the transaction information and a store identification code corresponding to the sales terminal 3. Using the connection between the sales terminal 3 and the cross-industry transaction machine 4, you can directly perform simple identity authentication, allowing users to use the sales terminal 3 of a special store that is part of the automated channel to scan the CITIC Wallet APP on the mobile phone , And then link the membership of different industries after authentication. In addition, the transaction performed by the front-end device 1 in this embodiment is not limited to the mobile device 2 and the scanning mode of the two-dimensional image code, and may also be the main scanning mode, Near-field communication (NFC) or online transaction.

Step (C): The shunt host 7 receives the transaction summary data from the sales terminal 3, and judges whether the point discount is met based on the cross-industry member information and the store identification code, and if so, it outputs the transaction information to the store Corresponding to the member server of the different industry, go to step (D), if not, the shunt host 7 instructs that no discount is available, and the transaction is returned. To further illustrate, the distribution host 7 stores a database that records multiple cross-industry member information and all store identification codes corresponding to each cross-industry member information. The distribution host 7 compares the transaction summary data with the database. Determine whether it meets the point discount. In other words, after the sales terminal 3 of the special store scans the QR code, the transaction and membership information are thrown to the shunt host. The shunt host 7 determines which trading platform points it is and confirms whether the special store is available for the different business Member points are redeemed, and they are kicked back if they are unavailable.

Step (D): The cross-industry member server 5 generates an output with a deductible amount to the branch host according to the transaction information sent from the branch host 7. In other words, the shunt host 7 sends the member and transaction information to the member server 5 of a different industry for trial calculation.

Step (E): The shunt host 7 generates an acquiring instruction based on the deducted amount and the transaction information. That is, the shunt host 7 obtains a net value (NET AMT) and a discount amount returned from the member server 5 of a different industry, where the net value (authorized amount) = total price-discount amount.

Step (F): The acquiring host 8 receives the acquiring instruction from the shunt host 7, executes an acquiring transaction, and outputs a transaction result information to the shunt host 7. In other words, the shunt host 7 sends the NET AMT to the acquiring host 7 for transaction (account deduction or general transaction authorization) according to the payment method (for example, bank account or credit card).

Step (G): The member server 5 of the cross-industry member stores a pair of member points converted from the one-to-one amount corresponding to the information of the cross-industry member, and the shunt host 7 returns the transaction result to the corresponding member The server 5, the member server 5 of the different industry, deducts the member points according to the transaction result, where the value of the deduction points is the member points corresponding to the deductible amount. Wherein, the cross-industry member server 5 further accumulates the member points according to the transaction result, where the value of the accumulated points is the member points converted from the difference between the total amount and the deductible amount. In other words, you can flexibly set the reward method for accumulating points according to the special store used, the discounted member points, the payment method, etc. (accumulation of external cross-industry member points, CITIC Wallet APP points, or both) .

Step (I): The shunt host 7 then sends the transaction results back to the sales terminal 3 respectively, so that the sales terminal 3 presents the transaction results. That is, when the transaction is successful, the distribution host 7 notifies the sales terminal 3 and the cross-industry member server 5 of the special store at the same time.

In summary, the above embodiment has the following advantages:

1. Through automated channels to connect users with cross-industry memberships on multiple platforms. When using CITIC Wallet for transactions, cross-industry membership points can be exchanged in real time. The transaction amount can also instantly accumulate cross-industry membership points to integrate multiple platforms Point application, activate user point economy.

2. Banking strategic alliances or cooperative marketing promotion can also share profits with partners or give back to users by means of cross-industry membership identification codes. Therefore, it can indeed achieve the purpose of cost and new style.

However, the above-mentioned are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: Front-end device 2: mobile device 3: Sales terminal 4: Cross-industry trading machine 5: Inter-industry member server 6: Bank server 7: Shunt host 8: Acquiring host S: Front-end reception steps A: Steps to generate QR code B: Image capture step C: Comply with the point discount procedure D: Transaction information steps E: Acquiring instructions F: Acquiring transaction steps G: Perform deduction steps I: Steps to present transaction results

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a circuit diagram of an embodiment of the new cross-business point trading device of the present invention; Figure 2 is a flowchart of this embodiment.

1: Front-end device

4: Cross-industry trading machine

5: Inter-industry member server

6: Bank server

7: Shunt host

8: Acquiring host

Claims (13)

A cross-industry point trading device, including: A front-end device receives a transaction information, and generates a transaction summary data with the transaction information and a store identification code; N cross-industry member servers, N≧1, N is a positive integer; A shunt host, which electrically connects the N cross-industry member servers and the point-of-sale terminal to receive the transaction summary data from the point-of-sale terminal, and judges whether it meets the point discount based on the cross-industry member information and the store identification code If yes, output the transaction information to the corresponding cross-industry member server, and the cross-industry member server generates a deductible amount based on the transaction information and outputs it to the distribution host, and the distribution host according to the deduction The credit amount and the transaction information generate an acquiring instruction; An acquiring host is electrically connected to the shunt host to receive the acquiring instruction, execute an acquiring transaction, and output a transaction result information to the shunt host. For example, the cross-industry points transaction device described in claim 1, wherein the cross-industry member server stores the member points converted from one-to-one amount corresponding to the information of the cross-industry member, and the shunt host returns the transaction result It is sent to the corresponding cross-industry member server, and the cross-industry member server deducts the member points according to the transaction result. The deduction value is the member points corresponding to the deductible amount. The cross-industry point transaction device according to claim 2, wherein the cross-industry member server further accumulates the member points according to the transaction result, wherein the value of the accumulated points corresponds to the total amount and the deduction The number of member points converted from the difference in the amount. The cross-industry point trading device according to claim 1, wherein the front-end device includes: A mobile device executes a payment mobile program to generate a two-dimensional image code, the two-dimensional image code indicates the transaction information, the transaction information includes a total amount, a payment type, and a member of a different industry; A sales terminal machine performs image capture on the two-dimensional image code to generate the transaction summary data, wherein the store identification code corresponds to the sales terminal machine. The cross-industry point transaction device according to claim 4, wherein the shunt host sends the transaction result back to the sales terminal, so that the sales terminal displays the transaction result. The cross-industry point transaction device according to claim 4, wherein the branch host stores a database that records a plurality of cross-industry member information and all store identification codes corresponding to each cross-industry member information, and the branch The host determines whether the point discount is met based on the transaction summary data and the database. A cross-industry transaction machine is suitable for communicating with a front-end device. The front-end device receives a transaction information and generates a transaction summary data with the transaction information and a store identification code. The cross-industry transaction machine includes: N cross-industry member servers, N≧1, N is a positive integer; A shunt host, which electrically connects the N cross-industry member servers and the point-of-sale terminal to receive the transaction summary data from the point-of-sale terminal, and judges whether it meets the point discount based on the cross-industry member information and the store identification code If yes, output the transaction information to the corresponding cross-industry member server, and the cross-industry member server generates a deductible amount based on the transaction information and outputs it to the distribution host, and the distribution host according to the deduction The credit amount and the transaction information generate an acquiring instruction; An acquiring host is electrically connected to the shunt host to receive the acquiring instruction, execute an acquiring transaction, and output a transaction result information to the shunt host. For example, the cross-industry transaction machine described in claim 7, wherein the cross-industry member server stores a pair of member points converted from one-to-one amount corresponding to the cross-industry member information, and the shunt host sends back the transaction result to Corresponding to the cross-industry member server, the cross-industry member server deducts the member points according to the transaction result, where the value of the deduction point is the member points corresponding to the deductible amount. The cross-industry transaction machine according to claim 7, wherein the cross-industry member server further accumulates member points according to the transaction result, wherein the value of the accumulated points corresponds to the total amount and the deductible amount The number of member points converted by the difference. The cross-industry transaction machine according to claim 7, wherein the distribution host stores a database that records multiple cross-industry member information and all store identification codes corresponding to each cross-industry member information, and the distribution host is based on The transaction summary data and the database are used to determine whether the point discount is met. A bank server device electrically connects N cross-industry member servers and a sales terminal, and is suitable for communicating with a mobile device. The mobile device executes a payment mobile program to generate a two-dimensional image code, and the two-dimensional image code indicates A transaction information, the transaction information includes a total amount, a payment type, and a cross-industry member information, the sales terminal machine image captures the two-dimensional image code, and generates a sales terminal with the transaction information and a correspondence The transaction summary data of the machine’s store identification code, where N≧1, and N is a positive integer. The bank server includes: A shunt host, which electrically connects the N cross-industry member servers and the point-of-sale terminal to receive the transaction summary data from the point-of-sale terminal, and judges whether it meets the point discount based on the cross-industry member information and the store identification code If yes, output the transaction information to the corresponding cross-industry member server, and the cross-industry member server generates a deductible amount based on the transaction information and outputs it to the distribution host, and the distribution host according to the deduction The credit amount and the transaction information generate an acquiring instruction; An acquiring host is electrically connected to the shunt host to receive the acquiring instruction, execute an acquiring transaction, and output a transaction result information to the shunt host. The bank server device according to claim 11, wherein the shunt host sends the transaction result back to the sales terminal, so that the sales terminal displays the transaction result. The bank server device according to claim 11, wherein the distribution host stores a database that records a plurality of cross-industry member information and all the store identification codes corresponding to each cross-industry member information, and the distribution host according to the The transaction summary data and the database are used to determine whether the point discount is met.

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