TWM605346U - Credit Card Transaction Processing System - Google Patents

Abstract

A credit card transaction processing system includes a transaction processing server and a card swiping device electrically connected to the transaction processing server. The transaction processing server stores a region data and corresponding region data and indicates the feedback quota data of a geographic region. When the transaction processing server receives a credit card transaction request containing an initial transaction amount, the transaction processing server obtains a credit card transaction location corresponding to the credit card transaction request, and determines that the card transaction location is located in the area. When within the indicated geographical area, the credit card server calculates a discount transaction amount based on the initial transaction amount and the rebate amount data, and executes the credit card transaction processing corresponding to the credit card transaction request based on the discount transaction amount program.

Description

Credit Card Transaction Processing System

The present invention relates to a credit card transaction processing system, in particular to a credit card transaction processing system that gives feedback based on the location of the card consumption.

In recent years, many banking institutions that have issued credit cards have launched their own exclusive credit card discounts to attract users to use their own credit cards for consumption. However, the exclusive credit card discounts of different banking institutions can only be obtained through different consumption channels, which is easy to confuse users. Therefore, there is still room for improvement in the existing technology.

Therefore, the purpose of the present invention is to provide a credit card transaction processing system that can improve the inconvenience of the prior art.

The credit card transaction processing system of the new type includes a transaction processing server terminal and a card swiping device electrically connected to the transaction processing server terminal. The transaction processing server stores an area data and feedback quota data corresponding to the area data, and the area data indicates a geographic area range. When the transaction processing server receives a credit card transaction request that includes an initial transaction amount and a credit card data, the transaction processing server obtains the credit card transaction location corresponding to the credit card transaction request, and determines whether the credit card transaction location is located there. Within the geographic area indicated by the regional data, and when the judgment result is yes, the credit card server calculates a discount transaction amount based on the initial transaction amount and the rebate amount data, and based on the discount transaction amount and The credit card information executes a credit card transaction processing program corresponding to the credit card transaction request.

In some implementations of the credit card transaction processing system of the present invention, the credit card transaction request further includes identification data corresponding to the card swiping device, and the credit card transaction request is generated by the card swiping device and sent to the transaction processing server. In addition, the transaction processing server also stores a list of card swiping devices indicating the location of the card swiping device, and the transaction processing server queries the list of swiping devices based on the identification data included in the credit card transaction request The location of the credit card transaction.

In some embodiments of the credit card transaction processing system of the present invention, the credit card transaction processing system further includes a mobile device for electrically connecting the transaction processing server, and the transaction processing server is suitable for electrically connecting with another card swiping device , Wherein the credit card transaction request is generated by another card swiping device and sent to the transaction processing server, and the transaction processing server obtains the card swiping transaction location from the mobile device.

In some embodiments of the credit card transaction processing system of the present invention, the card swiping device includes a wireless signal output unit for continuously outputting a wireless signal, and the mobile device receives the wireless signal and performs positioning at least according to the wireless signal A positioning position is generated, and the positioning position is provided to the card-swiping transaction position for the card-swiping transaction position to use the positioning position as the card-swiping transaction position.

In some implementations of the credit card transaction processing system of the present invention, the feedback quota data indicates a discount value, and the transaction processing server dynamically adjusts the discount value according to the current time.

The effect of the present invention is that after the transaction processing server receives the credit card transaction request, it will determine whether the credit card transaction location corresponding to the credit card transaction request is within the geographic area indicated by the regional data, and when When the result of the judgment is yes, the transaction processing server will calculate the discount transaction amount based on the feedback quota data corresponding to the area data to execute the credit card transaction processing procedure. In this way, the credit card transaction processing system can be implemented According to the user's card location to determine whether to provide regional-specific feedback function, by which, when the user spends within the geographic area indicated by the regional data, the geographic area can be obtained by using a single credit card The exclusive feedback corresponding to the scope does not need to worry about restricting various consumption channels to obtain credit card discounts, and it does improve the inconvenience of the existing technology.

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. In addition, the "electrical connection" mentioned in this patent specification generally refers to a wired electrical connection between multiple electronic devices/devices/components connected through conductive materials, and a radio connection through wireless communication technology for wireless signal transmission Further, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by the direct connection between two electronic equipment/devices/components, and between two electronic equipment/devices/components. "Indirect electrical connection" is also formed through the connection of other electronic equipment/devices/components.

1, a first embodiment of the credit card transaction processing system 1 of the present invention includes, for example, a transaction processing server 11 and a card swiping device 12 for electrically connecting the transaction processing server 11. In this embodiment, the transaction processing server 11 may be managed by, for example, a banking institution, and the card swiping device 12 may be, for example, suitable for being installed in a special store 10 that has a cooperative relationship with the banking institution. More specifically, The transaction processing server 11 may be, for example, the credit card host of the banking institution, and the card swiping device 12 is, for example, a credit card machine provided by the banking institution and installed in the special store 10, but it is not limited to this.

It is supplemented that, in an actual implementation situation, the credit card transaction processing system 1 may, for example, include multiple card swiping devices 12 respectively installed in multiple special stores 10. However, for ease of understanding, the following description mainly refers to The card swiping device 12 shown in FIG. 1 illustrates this embodiment.

In this embodiment, the transaction processing server 11 stores, for example, a list of card swiping devices, an electronic map, multiple regional data, and multiple feedback quota data corresponding to the regional data.

Specifically, the credit card device list includes, for example, multiple credit card device data, where each card device data includes, for example, a credit card machine identification code and a credit card machine setting position corresponding to the credit card machine identification code. The credit card machine setting position, for example, It is implemented as a latitude and longitude coordinate to indicate a specific location in the electronic map, but it is not limited to this. In addition, for ease of understanding, one piece of card-swiping device data corresponding to the card-swiping device 12 of FIG. 1 among the card-swiping device data is used as a piece of target card-swiping device data in this embodiment.

On the other hand, in this embodiment, each area data indicates, for example, a geographic area in the electronic map (for example, "Taipei Xinyi District", but not limited to this), and each feedback quota data For example, indicate a discount value (such as "2%", but not limited to this). It is added that in a similar implementation, the transaction processing server 11 may also store only a single piece of regional data and a single piece of feedback quota data corresponding to the regional data, instead of using this embodiment as limit.

With reference to FIG. 2, the operation mode of the credit card transaction processing system 1 of this embodiment is illustrated below by way of example.

First, in step S11, the transaction processing server 11 receives a credit card transaction request. In this embodiment, the credit card transaction request is, for example, generated by the card swiping device 12 and sent to the transaction processing server 11, and the credit card transaction request includes, for example, an initial transaction amount, a credit card information, and a corresponding card swipe The identification data of the device 12, wherein the credit card data includes, for example, a credit card number, and the identification data is, for example, the identification code of the card swiping device 12, but it is not limited to this. More specifically, for example, the card swiping device 12 generates the credit card transaction request by the clerk when a user uses a credit card issued by the banking institution to make a purchase in the special store 10, but it is not limit. Then, the flow proceeds to step S12.

In step S12, once the transaction processing server 11 receives the credit card transaction request, the transaction processing server 11 queries the credit card device list according to the identification data included in the credit card transaction request to obtain a corresponding credit card The card transaction location of the transaction request. In more detail, in this embodiment, the transaction processing server 11 first selects the credit card machine identification from the credit card device data included in the credit card transaction request, for example. The target card swiping device data whose code matches the identification data, and then the transaction processing server 11 then uses the card swiping machine setting position contained in the target swiping device data as the card swiping transaction location, but it is not limited to this. Then, the flow proceeds to step S13.

In step S13, the transaction processing server 11, for example, uses the electronic map to determine whether the card-swiping transaction location is within the geographic area indicated by any of the regional data. If the judgment result of the transaction processing server 11 is yes, the flow proceeds to step S14. On the other hand, if the judgment result of the transaction processing server 11 is no, the flow proceeds to step S15.

In step S14 following step S13, once the transaction processing server 11 determines that the card-swiping transaction location is located at the geographic location indicated by one of the regional data (here as a matching regional data) When it is within the area, the transaction processing server 11 calculates a discount transaction amount based on the initial transaction amount and the rebate quota data corresponding to the matching area data (here as a matching rebate quota data), and According to the discount transaction amount and the credit card information, a credit card transaction processing program corresponding to the credit card transaction request is executed to provide credit card credit to the user. In addition, optionally, the transaction processing server 11 may, for example, further store and return the execution result of the card swiping transaction processing program to the card swiping device 12, but it is not limited to this. More specifically, for example, assuming that the discount value indicated by the matching feedback quota data is "2%", the transaction processing server 11 calculates the discount by deducting 2% from the initial transaction amount, for example The transaction amount, but not limited to this.

In step S15 following step S13, once the transaction processing server 11 determines that the card swiping transaction location is not within the geographic area indicated by any of the regional data, the transaction processing server The terminal 11, for example, directly executes the credit card transaction processing program according to the initial transaction amount and the credit card information.

The above is an exemplary operation mode of the credit card transaction processing system 1 of the first embodiment. With the operation of the first embodiment, the credit card transaction processing system 1 can determine whether to provide region-specific feedback based on the user’s card swiping location. By this, the credit card transaction processing system 1 not only skips the payment according to the designated consumption channel The existing mode of feedback can also improve the user's credit card stickiness when spending in a specific geographic area.

It is added that in a further implementation aspect of this embodiment, the transaction processing server 11 dynamically adjusts one or more of the discount values, for example, according to the current time. In more detail, the transaction processing server 11, for example, compares the current time with one or more preset periods corresponding to (etc.) discount values, and determines that the current time belongs to any preset period. During the period, the transaction processing server 11 adjusts the corresponding discount value according to the adjustment method corresponding to the preset period (for example, an increase of 1%), so that the credit card transaction processing system 1 can achieve a certain period (For example, during holidays or promotional activities) to increase the effect of feedback in specific areas.

Referring to Fig. 3, the present invention also provides a second embodiment of the credit card transaction processing system 1. Different from the first embodiment, in the second embodiment, the credit card transaction processing system 1 further includes a mobile device 13 for electrically connecting to the transaction processing server 11. Specifically, the mobile device 13 can be implemented, for example, as a smart phone or tablet computer held by a user, and the mobile device 13 can be installed with an electronic device bound to a credit card issued by the banking institution, for example. A payment application program, whereby the user can use the mobile device 13 to make purchases with the credit card issued by the banking institution through electronic payment, but it is not limited to this.

On the other hand, in the second embodiment, the card swiping device 12 includes a wireless signal output unit 121 for continuously outputting a wireless signal, and the wireless signal output unit 121 is implemented as a Bluetooth low energy Technology (also known as BLE technology) Bluetooth beacon (also known as Bluetooth Beacon), that is to say, the wireless signal output by the wireless signal output unit 121 in the second embodiment is a Bluetooth signal, but it is not limit.

Moreover, in the second embodiment, the transaction processing server 11 is adapted to be electrically connected to a card swiping device 2 that is not included in the credit card transaction processing system 1. Specifically, the card swiping device 2 is, for example, set in a store 20 as shown in FIG. 3, and the card swiping device 2 is not provided to the store 20 by the banking institution, for example, and does not include a wireless signal output unit. In addition, there is no card device data corresponding to the card device 2 in the card device list stored by the transaction processing server 11, that is, the transaction processing server 11 cannot query the card device list by The setting position of the card swiping device 2 is obtained.

With reference to FIG. 4, the following exemplarily describes the operation of the credit card transaction processing system 1 of the second embodiment.

First, in step S21, the transaction processing server 11 receives a credit card transaction request from the card swiping device 2, and receives a location corresponding to the credit card transaction request from the mobile device 13, and the transaction processing server 11 will This location is used as a card transaction location.

In the second embodiment, the credit card transaction request is generated by the card swiping device 2 and sent to the transaction processing server 11. More specifically, for example, the card swiping device 2 generates the credit card transaction request when the user uses a credit card issued by the banking institution to make a purchase in the store 20, and is operated by a store clerk, and the user is, for example, The mobile device 13 is used to make purchases with a credit card issued by the banking institution through electronic payment, but it is not limited to this.

On the other hand, in the second embodiment, the location is generated by the mobile device 13 and sent to the transaction processing server 11, in more detail, the mobile device 13 is operated by the banking institution For electronic payment with a credit card, the mobile device 13, for example, automatically generates the location location and provides the location location to the transaction processing server 11, so that the transaction processing server 11 uses the location location as the credit card transaction location That is, in the second embodiment, the transaction processing server 11 obtains the credit card transaction location from the mobile device 13.

Moreover, in the second embodiment, the mobile device 13 generates the positioning position, for example, receiving the wireless signal output by the wireless signal output unit 121 of the card swiping device 12, and performing positioning at least according to the wireless signal Generate the positioning position. In more detail, the mobile device 13 can perform dual positioning to generate the positioning position based on the wireless signal (Bluetooth signal in the second embodiment) output by the card swiping device 12 and a satellite positioning signal at the same time, for example, And the satellite positioning signal can be, for example, from the Global Positioning System (Global Positioning System in English, GPS for short), Geographic Information System (Geographic Information System in English, GIS for short), and Satellite Navigation System (Global Navigation Satellite System in English, for short GNSS), but not limited to this. Thereby, under the premise that the wireless signal can be transmitted to the location of the credit card device 2, if the satellite positioning signal strength of the location of the credit card device 2 is not good, the wireless signal output by the credit card device 12 can assist the The mobile device 13 performs positioning when the satellite positioning signal strength is not good to generate the positioning position.

After the transaction processing server 11 receives the credit card transaction request and the location location, and uses the location location as the credit card transaction location, the process proceeds to step S22.

In step S22, similar to step S13 of the first embodiment, the transaction processing server 11, for example, uses the electronic map to determine whether the card-swiping transaction location is located in the geographic area indicated by any of the regional data within. If the judgment result of the transaction processing server 11 is yes, the flow proceeds to step S23. On the other hand, if the judgment result of the transaction processing server 11 is no, the flow proceeds to step S24.

In step S23 following step S22, similar to step S14 of the first embodiment, once the transaction processing server 11 determines that the card swiping transaction position is located in one of the area data indicated by the matching area data When within the geographic area, the transaction processing server 11 calculates a discount transaction amount based on the initial transaction amount and the feedback amount data corresponding to the matching area data, and executes it based on the discount transaction amount and the credit card data A credit card transaction processing program corresponding to credit card transaction requests.

In step S24 following step S22, similar to step S15 of the first embodiment, once the transaction processing server 11 determines that the card swiping transaction position is not located in any one of the area data indicated When it is within the geographic area, the transaction processing server 11 directly executes the credit card transaction processing procedure based on the initial transaction amount and the credit card data, for example.

The above is an exemplary operation mode of the credit card transaction processing system 1 of the second embodiment. Moreover, it is particularly noted that the credit card transaction processing system 1 of the second embodiment can also operate in the operating mode described in the first embodiment.

Taking the first embodiment as an example, it is supplemented that, in a further implementation aspect, the credit card transaction processing system 1 may, for example, further include a recommendation server (not shown) electrically connected to the transaction processing server 11 And the area data and the feedback quota data stored by the transaction processing server 11 can be generated by, for example, the recommendation server performing a consumption pattern analysis process on the user's multiple consumption history records. More specifically, for example, when the consumption pattern analysis program is executed, the recommendation server can, for example, analyze the user's main consumption area based on the user's consumption history during a historical period (for example, within half a year) , And based on the analysis result, generate region data and corresponding feedback quota data unique to the user, and provide the region data and feedback quota data unique to the user to the transaction processing server 11 for storage. In this way, The credit card transaction processing system 1 can provide exclusive regional credit card feedback according to the user's consumption habits. In addition, for each area data, the geographic area indicated by the area data is not limited to a specific administrative area, but can also be, for example, a closed area defined by the recommendation server for the user's consumption habits For example, the geographic area indicated by the area data may be defined by the recommendation server based on the locations of multiple special stores that the user frequently consumes, the user's residential location, work location, etc. In this way, the geographic area indicated by the area data is equivalent to the consumer's exclusive consumer life circle, and can meet the consumer's own consumer habits to the highest degree. In addition, the recommendation server can, for example, use machine learning techniques (such as decision tree models, XGBoost, etc.) to generate a list of recommended special stores for the user’s age, consumption time, assets, monthly average consumption, consumption location and other parameters, and After the transaction processing server 11 executes the credit card transaction processing procedure, the list of recommended special stores 10 is output to the user's mobile device 13 for the user's reference.

To sum up, after the transaction processing server 11 of each embodiment of the present invention receives the credit card transaction request, it will determine whether the credit card transaction location corresponding to the credit card transaction request is in the geographic location indicated by any regional data. Within the area, and when the result of the judgment is yes, the transaction processing server 11 will calculate the discount transaction amount based on the feedback quota data corresponding to the matching area data to execute the credit card transaction processing procedure, and so on. In the future, the credit card transaction processing system 1 can realize the function of determining whether to provide regional-specific feedback according to the user's card swiping location, so that when the user consumes within the geographic area indicated by the matching area data , As long as you use a single credit card, you can get the exclusive rewards corresponding to the geographic area, and you don’t need to worry about restricting various consumption channels to obtain credit card discounts, so it can indeed achieve the goal of new cost.

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: Credit card transaction processing system 11: Transaction processing server 12: Credit card device 121: wireless signal output unit 13: mobile device 2: Credit card device 10: Special store 20: store S11~S15: steps S21~S24: steps

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 block diagram of a first embodiment of the new credit card transaction processing system; Fig. 2 is a flowchart illustrating the operation of the first embodiment by way of example; Figure 3 is a block diagram of a second embodiment of the new credit card transaction processing system; and Fig. 4 is a flow chart exemplarily illustrating the operation of the second embodiment.

1: Credit card transaction processing system

11: Transaction processing server

12: Credit card device

10: Special store

Claims (5)

A credit card transaction processing system, including: A transaction processing server, storing a region data and feedback quota data corresponding to the region data, the region data indicating a geographic area range; and A card swiping device, electrically connected to the transaction processing server; Wherein, when the transaction processing server receives a credit card transaction request including an initial transaction amount and a credit card data, the transaction processing server obtains a credit card transaction location corresponding to the credit card transaction request, and determines whether the credit card transaction location is Located within the geographic area indicated by the area data, and when the judgment result is yes, the credit card server calculates a discount transaction amount based on the initial transaction amount and the rebate amount data, and based on the discount transaction The amount and the credit card information execute a credit card transaction processing procedure corresponding to the credit card transaction request. The credit card transaction processing system according to claim 1, wherein the credit card transaction request further includes identification data corresponding to the card swiping device, and the credit card transaction request is generated by the card swiping device and sent to the transaction processing server, In addition, the transaction processing server also stores a list of card swiping devices indicating the location of the card swiping device, and the transaction processing server queries the list of swiping devices based on the identification data included in the credit card transaction request The location of the credit card transaction. The credit card transaction processing system of claim 1, further comprising a mobile device for electrically connecting the transaction processing server, and the transaction processing server is suitable for electrically connecting with another card swiping device, wherein the credit card transaction request Is generated by another card swiping device and sent to the transaction processing server, and the transaction processing server obtains the card swiping transaction location from the mobile device. The credit card transaction processing system according to claim 3, wherein the card swiping device includes a wireless signal output unit for continuously outputting a wireless signal, and the mobile device receives the wireless signal and performs positioning at least according to the wireless signal A positioning position is generated, and the positioning position is provided to the card-swiping transaction position for the card-swiping transaction position to use the positioning position as the card-swiping transaction position. The credit card transaction processing system according to claim 1, wherein the feedback amount data indicates a discount value, and the transaction processing server dynamically adjusts the discount value according to the current time.

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