TWM620462U - Shopping discount processing system for digital payment tool - Google Patents

Abstract

A shopping discount processing system for a digital payment tool. The processing system executes the following steps: executes a mobile front-end program, which has multiple sets of member information and multiple payment tool programs; obtains the location identification information of the mobile terminal, and identifies the information according to the location Select member information; generate checkout request based on member information and shopping list; the sales terminal reads the checkout request and forwards the checkout request to the member system; the member system generates member discount information to the sales terminal according to the checkout request; the sales terminal Generate checkout results based on member discount information and shopping list.

Description

Shopping discount processing system for digital payment tools

A shopping processing system for digital payment, particularly a shopping discount processing system for a digital payment tool.

In addition to interacting with other people through front-end programs, front-end programs have also begun to support various electronic payment tools. In order to expand the market share of electronic payment tools, electronic payment tool vendors will also provide corresponding discounts when shopping, so that consumers can purchase goods through electronic payment tools. The sales channel can cater to consumers' habits. In addition to having its own membership program and electronic payment, the sales channel also provides front-end programs and corresponding electronic payment tools for payment. Consumers can choose the payment tool provided by the membership program, the payment tool provided by the front-end program, or the linkage payment between the membership program and the front-end program.

The said linkage payment needs to select the corresponding front-end program and electronic payment tool from the membership program. Therefore, consumers need to go through complicated operations, which also lengthens the checkout process. For the back-end, the membership program and the front-end program need to interact with each other. Therefore, it is necessary to repeatedly send messages from the consumer's mobile device to the corresponding server in order to obtain the authentication qualification, which affects the overall checkout schedule.

In view of this, the shopping discount processing system of digital payment tools includes the mobile terminal, the member system terminal and the sales terminal. The mobile terminal has a first storage unit, a positioning unit, and a first processor. The first processor is coupled to the first storage unit and the positioning unit. The first storage unit Store the front-end program. The front-end program has multiple sets of corporate member information. The first processor executes the front-end program. The front-end program selects the corresponding corporate member information based on the location identification information. The front-end program generates checkout requests based on the corporate member information and shopping list; sales terminal It has an input unit, a second storage unit, a second communication unit, and a second processor. The second processor is coupled to the input unit, the second storage unit and the second communication unit. The input unit reads the checkout request, and the second storage The unit stores the checkout program, the second processor executes the checkout program, the checkout program transmits the checkout request and member discount information according to the corporate member information, and the checkout program generates the checkout result according to the checkout request and the member discount information; the member system side The network is connected to the sales terminal. The member system end has a third communication unit, a third storage unit, and a third processor. The third processor is coupled to the third communication unit and the third storage unit. The third storage unit stores discount processing. Programs and multiple internal member information, each internal member information has at least one product discount information, credit discount information and at least one payment tool, each payment tool has at least one tool discount information, and the third processor performs discount processing The discount processing program searches for the corresponding internal member information based on the corporate member information, the discount processing program generates member discount information based on the internal member information, the product discount information and the tool discount information, and the third communication unit sends the member discount information to the sales terminal. In this embodiment, the company and the retail store where the consumer is located can be quickly identified through the location location information, so that the mobile terminal can automatically select the corresponding membership program, which shortens the operation procedure of the consumer during checkout.

In some embodiments, the checkout request is a one-dimensional barcode or a two-dimensional barcode.

In some embodiments, the commodity discount information includes commodity redemption coupons, cup delivery coupons, or commodity discount coupons.

In some embodiments, the credit information includes gift certificates, bonus points, or Discount money.

In some embodiments, the payment tool is an electronic wallet, a mobile payment program, an electronic ticket or credit card information.

In some embodiments, the discount processing program selects corresponding product discount information, credit discount information, and payment tool discount information based on internal member information.

In some embodiments, the discount processing program compares the product information in the shopping list with the product discount information, and selects the product discount information that matches the product information.

In some embodiments, the mobile terminal includes invoice return information, and the sales terminal generates invoice information corresponding to the checkout result based on the invoice return information.

In some embodiments, the member system terminal sends the member discount information to the mobile terminal, and the mobile terminal modifies the internal member information, the product discount information, the tool discount information or the combination in the member discount information according to the adjustment requirements. The member discount information of is sent to the sales terminal.

The shopping discount processing system of the digital payment tool can realize the confirmation of the dual authentication of the mobile payment tool and the shopping member in a single message by the mobile terminal, and reduce the number of operation steps of the mobile payment. Moreover, the location information can quickly identify the consumer's company and store, so that the mobile terminal can automatically select the corresponding membership program, which shortens the consumer's checkout process.

100: processing system

110: mobile

111: The first storage unit

112: positioning unit

113: first processor

114: front-end program

115: payment tool program

116: Corporate Member Information

120: point of sale

121: second storage unit

122: input unit

123: The second communication unit

124: display unit

125: second processor

126: Checkout program

130: Member system side

131: Third Communication Unit

132: The third storage unit

133: third processor

134: discount processing program

135: Internal member information

140: Retail Store

151: Location Recognition Information

152: checkout requirements

153: Member discount information

510: shopping list

S310~S380: steps

[Figure 1] is a schematic diagram of an application scenario of an embodiment.

[Figure 2] is a schematic diagram of the system architecture of an embodiment.

[Fig. 3] is a schematic diagram of a shopping discount processing flow of a digital payment tool according to an embodiment.

[Fig. 4] is a schematic diagram of a sequence of shopping discount processing of a digital payment tool according to an embodiment.

[Fig. 5A] is a schematic diagram of relevant preferential information of internal members on the member system side of an embodiment.

[Figure 5B] is a schematic diagram of member discount information in an embodiment.

[Fig. 6] is a schematic diagram of a sequence of shopping discount processing of a digital payment tool according to an embodiment.

[Fig. 7] is a schematic diagram of manual operation of member discount information in an embodiment.

Please refer to FIG. 1 and FIG. 2, which are respectively a schematic diagram of an application scenario and a schematic diagram of a system architecture of an embodiment. The shopping discount processing system 100 of a digital payment tool includes a mobile terminal 110, a sales terminal 120, and a member system terminal 130. The member system terminal 130 is connected to the mobile terminal 110 and the sales terminal 120 via a network.

The mobile terminal 110 has a first storage unit 111, a positioning unit 112 and a first processor 113. The mobile terminal 110 can be, but is not limited to, a mobile phone, a tablet, or a computer device with communication capabilities. The first processor 113 is coupled to the first storage unit 111 and the positioning unit 112. The positioning unit 112 obtains location identification information 151. The location identification information 151 represents geographic location information of the mobile terminal 110. The location identification information 151 can be obtained through the Global Positioning System (Global Positioning System), and can also be achieved through the broadcast method of the wireless communication protocol, for example: in the store 140 through ZigBee, wireless network ( The location information specified by Wi-Fi or Bluetooth broadcast is shown in the dotted frame of the store and its belonging in Figure 1.

The first storage unit 111 stores the front-end program 114 and at least one payment tool program 式115。 Formula 115. The front-end program 114 has multiple sets of corporate member information 116. The front-end program 114 may be a membership program, a payment tool program 115 (described later), or a social software. The membership program is a member-specific system launched by the company to provide other activities such as discount notifications or bonus points for its members, or a member integration system to provide an integrated platform for members of different companies. The social software can be but not limited to Line, WhatsApp or Facebook messenger, etc.

The corporate member information 116 is a corporate member joined by the mobile terminal 110 (meaning consumers). Each type of corporate member information 116 corresponds to its respective member system terminal 130. The first processor 113 executes the front-end program 114. The front-end program 114 is used for related payment processing of the mobile terminal 110 during shopping. When the first processor 113 executes the front-end program 114, the front-end program 114 obtains the position identification information 151 through the positioning unit 112.

The front-end program 114 recognizes whether the mobile terminal 110 is located in the range of the retail store 140 according to the location recognition information 151. If the mobile terminal 110 is located in the range of the retail store 140, the front-end program 114 recognizes the name of the company and the retail store of the retail store 140 based on the location identification information 151 and geographic map information. The front-end program 114 selects the corresponding corporate member information 116 according to the retail store 140 where the mobile terminal 110 is located.

The front-end program 114 generates a checkout request 152 based on the corporate member information 116 and a shopping list (not shown). In some embodiments, the checkout request 152 may be a one-dimensional barcode (QR code) or a two-dimensional barcode (QR code). In some embodiments, the front-end program 114 may generate the checkout request 152 based on information such as a current time stamp or corporate member information 116. In other words, every time the mobile terminal 110 checks out, the current checkout request 152 can be generated.

The payment tool 115 may include stored value, credit card, bank account, cash Various established or set payment methods such as financial card. In other implementation aspects, payment tools may also include electronic payment (Electronic Payment), mobile payment (Mobile payment) or third-party payment (Third-Party Payment). Mobile payment is a method in which the mobile terminal 110 binds a credit card as a payment vehicle, such as Open Wallet, Apple Pay, Android Pay, etc. Electronic payment or third-party payment is a payment method that has an independent electronic payment account that can be used for transactions or transfers, or can be paid or stored by binding bank accounts, credit cards, etc., such as: Icash Pay, LINE Pay, Street Pay by mouth, Open Wallet or Youyou Pay, etc.

In addition, in order to cope with fast checkout, the payment tools originally attached to the application (APP) can be taken through shortcuts or independent from the application. The independent payment tool can be regarded as the front-end program 114. For example, in addition to the payment tool of Line pay that can be set in the social software Line, Line pay can also be an independent payment tool program 115. Therefore, this application of Line pay can be regarded as a front-end program 114.

The sales terminal 120 includes a second storage unit 121, an input unit 122, a second communication unit 123, a display unit 124, and a second processor 125. The sales terminal 120 may be a cash register (Point of Sale, POS machine for short) or a graphic order terminal (Graphic Order Terminal, GOT). The second processor 125 is coupled to the second storage unit 121, the input unit 122, the second communication unit 123 and the display unit 124. The second storage unit 121 stores a checkout program 126. The second processor 125 executes the checkout program 126.

The input unit 122 is used to read the checkout request 152 or shopping list of the mobile terminal 110. The second communication unit 123 is connected to the member system terminal 130 via a network. The second communication unit 123 is used to transmit the checkout request 152 to the member system terminal 130. The display unit 124 is used to display the corporate member information 116, the content of the shopping list, or the price of the corresponding shopping list, etc. Checkout program 126 according to Shopping list and member discount information 153 calculate the corresponding checkout result (without label). The shopping list is the products purchased by consumers.

The member system terminal 130 has a third communication unit 131, a third storage unit 132 and a third processor 133. The third processor 133 is coupled to the third communication unit 131 and the third storage unit 132. The third communication unit 131 transmits the checkout request 152 and the member discount information 153. The third storage unit 132 stores a discount processing program 134 and multiple pieces of internal member information 135. The third processor 133 executes the discount processing program 134. Each internal member information 135 has product discount information (no label), credit discount information (no label), and payment tool (no label). The product discount information is the discount information of the corresponding product. The product discount information can be, but is not limited to, product redemption coupons, cup coupons, or product discount coupons. The types of credit offer information include gift certificates, bonus points or discounts.

In the member system terminal 130, each internal member information 135 has at least one payment tool. The payment tool corresponds to the payment tool program 115 in the mobile terminal 110. Generally speaking, the number of payment tool programs 115 of the mobile terminal 110 should be greater than or equal to the number of corresponding internal member information 135 payment tools. Each payment tool does not necessarily have tool discount information, and it may also be that a payment tool has multiple sets of tool discount information. Tool discount information is a discount plan provided for payment tools. The selection method of tool discount information is mainly based on whether or not the discount is provided, and the discount interval or the expiration date of the event is another selection condition. Or, the member system terminal 130 selects the corresponding payment tool and corresponding tool preferential information according to the frequency of use of the consumer.

Taking a credit card as an example, a plan provided by a credit card in which a purchase of 100 yuan is discounted to 10 yuan, the plan is the tool discount information of the payment tool. The third processor 133 Pay tools retrieve tool discount information from the corresponding database. Product discount information, credit bonus information, and tool discount information can be set by consumers themselves, and can also be provided by the member system terminal 130. For example, the member system terminal 130 pushes relevant product discount information or credit discount information to the internal member information 135 according to the promotion activity.

The member system terminal 130 is connected to the sales terminal 120 via a network. The member system terminal 130 receives a checkout request 152 or sends member discount information 153. The member system terminal 130 is the member server of the enterprise. The member system terminal 130 determines whether the mobile terminal 110 is a qualified member according to the checkout request 152 and the corporate member information 116. For example, the status of the corporate member information 116 may be overdue, or fail the verification review, and so on. If the corporate member information 116 is a non-eligible member, the member system terminal 130 sends a notification message of the non-eligible member to the sales terminal 120 according to the corporate member information 116, which will be referred to as a member confirmation message hereinafter.

To further explain the operation of the shopping discount processing method of the digital payment tool, please refer to FIG. 3 and FIG. 4, which are a schematic diagram of a shopping discount operation process and a sequence diagram of a shopping discount processing of a digital payment tool, respectively.

Step S310: Execute the front-end program of the mobile terminal; Step S320: Obtain the location identification information of the mobile terminal, and the front-end program selects corporate member information based on the location identification information; Step S330: The front-end program generates a checkout request based on the corporate member information and the shopping list; Step S340: The sales terminal reads the checkout request, and forwards the checkout request to the member system side; step S350: the member system side searches for corresponding internal member information according to the corporate member information; Step S360: The member system side generates member discount information based on the internal member information, the product discount information and the tool discount information; Step S370: The member system side sends the member discount information to the sales terminal; and Step S380: The sales terminal according to the member Discount information and checkout requests generate checkout results.

First, the mobile terminal 110 executes the front-end program 114. The front-end program 114 obtains the location identification information 151, and the front-end program 114 identifies the store 140 and the company to which it belongs based on the location identification information 151. The front-end program 114 selects the company member information 116 corresponding to the company based on the recognized company. For example, if the front-end program 114 has company member information 116 of company A, company B, and company C. When the mobile terminal 110 is located in the store 140 of the enterprise A, the front-end program 114 recognizes that the mobile terminal 110 is located in the store 140 of the enterprise A according to the location identification information 151, and selects the enterprise member information 116 of the enterprise A.

The mobile terminal 110 generates a corresponding checkout request 152 based on the corporate member information 116 and the shopping list. The mobile terminal 110 displays the checkout request 152 on the screen of the mobile terminal 110 for the sales terminal 120 to read the checkout request 152 of the mobile terminal 110. The sales terminal 120 forwards the checkout request 152 to the member system terminal 130. The discount processing program 134 of the member system 130 determines whether it is a qualified member according to the corporate member information 116 of the checkout request 152. If it is a non-eligible member, the discount processing program 134 sends a member confirmation message to the sales terminal 120, so that the mobile terminal 110 reselects the new corporate member information 116.

After the discount processing program 134 confirms that the corporate member information 116 is qualified internal member information 135, the discount processing program 134 selects the corresponding product discount information, credit discount information, and payment tool based on the internal member information 135. In other words, the discount processing program 134 selects the aforementioned various benefits based on the corporate member information 116 and the corresponding internal member information 135. Benefit information. The discount processing program 134 further selects corresponding tool discount information according to the payment tool. The discount processing program 134 generates member discount information 153 based on internal member information 135, product discount information, credit discount information, and tool discount information.

For clear description, please cooperate with FIG. 5A and FIG. 5B, which are a schematic diagram of internal member information and member discount information of the member system terminal 130 divided into an embodiment. The left side of FIG. 5A is the member system terminal 130 and an internal member information 135; the right sides of FIGS. 5A and 5B are the shopping list 510 of the mobile terminal 110; the lower left side of FIG. 5B is the member discount information 153. Each internal member information 135 in the member system terminal 130 has its own product discount information, credit discount information, and tool discount information. Taking product discount information as an example, the product and its discount price may be promoted in different promotional activities. Consumers can enter the product and corresponding product discount information into the member system terminal 130 by themselves, or the member system terminal 130 can substitute the product discount information of each promotion activity into each internal member information 135.

When the member system terminal 130 receives the checkout request 152, the member system terminal 130 compares whether there is corresponding product discount information for the products in the shopping list 510. If there is corresponding product discount information, the member system terminal 130 will also add the product discount to the sorting result. If there is no corresponding product discount information in the shopping list 510, the member system terminal 130 directly outputs the ranking result of the product discount information. Finally, the member system terminal 130 outputs the itemized list of product discount information, credit discount information, and tool discount information as member discount information 153.

In some embodiments, the discount processing program 134 may sort the product discount information, and the sort key value may be, but is not limited to, discount amount, selling price, bonus points, or expiration date. In the same way, the discount processing program 134 can also sort the credit discount information and the tool discount information separately. The discount processing program 134 will sort the The discount information is output as member discount information 153. The discount processing program 134 sends the member discount information 153 to the sales terminal 120 and/or the mobile terminal 110.

In some embodiments, the discount processing program 134 automatically compares the product information of the shopping list 510 with the product discount information, and selects the product discount information that matches the product information. In other words, the discount processing program 134 will compare whether the products in the shopping list 510 have corresponding product discount information. If there is a product in the shopping list 510 in the product discount information, the discount processing program 134 can select the product discount information to the sort result. The sales terminal 120 and the checkout program 126 generate checkout results based on the member discount information 153 and the shopping list 510. The checkout program 126 broadcasts the member discount information 153 on the display unit 124 for the consumer to confirm the consumption and discount content this time.

Taking FIG. 5A as an example, the shopping list 510 has a product a and a product c. The discount processing program 134 outputs the internal member information 135 after the foregoing processing, and sends the member discount information 153 to the sales terminal 120. Since the product a and the product c exist in the shopping list 510, the discount processing program 134 directly selects the corresponding product discount information from the member discount information 153. The discount processing program 134 selects the credit A from the current credit discount information to use as the credit amount at the time of this checkout. The discount processing program 134 selects the payment tool with the highest discount from the tool discount information. In order to clearly show the various preferential information selected by the discount processing program 134, a thick black frame is used as the selected preferential information in FIG. 5B.

In some embodiments, the member system 130 provides consumers to manually adjust the content of the member discount information 153. Please refer to FIGS. 6 and 7. In the front-end program 114 of the mobile terminal 110, the front-end program 114 can be set to automatically select or manually select the setting page of the member discount information 153. In the settings page, you can also turn on or off product discount information, credit bonuses Sorting of information or tool offers.

The member system terminal 130 can send member discount information 153 to the mobile terminal 110 and/or the sales terminal 120. On the display unit 124 of the mobile terminal 110 or the sales terminal 120, the member discount information 153 as shown in FIG. 7 can be played. In FIG. 7, the display screen of the mobile terminal 110 is taken as an example. The mobile terminal 110 modifies the content of the member discount information 153 according to an adjustment request. Consumers can adjust the content of product discount information, credit discount information, or tool discount information in member discount information 153, as shown in Figure 7. For example, consumers can modify the type of product discount information, the discount amount of the credit discount information, or choose other payment tools. The mobile terminal 110 sends the modified member discount information 153 to the sales terminal 120. The sales terminal 120 generates a corresponding checkout result according to the modified member discount information 153 and the shopping list 510.

In one embodiment, the first storage unit 111 of the mobile terminal 110 further stores invoice return information (not shown). When the sales terminal 120 completes the checkout of the checkout result, the sales terminal 120 generates invoice information corresponding to the checkout result according to the invoice return information. The sales terminal 120 transmits the invoice information to the corresponding mobile terminal 110 according to the invoice return information. If the invoice return information is recorded as a cloud carrier, the sales terminal 120 sends the invoice information to the cloud carrier.

The shopping discount processing system 100 of the digital payment tool can realize that the mobile terminal 110 confirms the dual authentication of the mobile payment tool and the shopping member in a single message, and reduces the number of operation steps of mobile payment. Moreover, the company and the retail store 140 where the consumer is located can be quickly identified through the location information, so that the mobile terminal 110 can automatically select the corresponding member information, which shortens the operation procedure of the consumer during checkout.

100: processing system

110: mobile

111: The first storage unit

112: positioning unit

113: first processor

114: front-end program

115: payment tool program

116: Corporate Member Information

120: point of sale

121: second storage unit

122: input unit

123: The second communication unit

124: display unit

125: second processor

126: Checkout program

130: Member system side

131: Third Communication Unit

132: The third storage unit

133: third processor

134: discount processing program

135: Internal member information

151: Location Recognition Information

152: checkout requirements

153: Member discount information

Claims (9)

A shopping discount processing system for a digital payment tool, comprising: a mobile terminal having a first storage unit, a positioning unit and a first processor, the first processor being coupled to the first storage unit and the positioning unit , The first storage unit stores a front-end program, the front-end program has multiple sets of corporate member information, the first processor executes the front-end program, the front-end program selects corresponding corporate member information according to a location identification information, the front-end program A checkout request is generated according to the corporate member information and a shopping list; a sales terminal has an input unit, a second storage unit, a second communication unit, and a second processor, the second processor is coupled to The input unit, the second storage unit, and the second communication unit, the input unit reads the checkout request, the second storage unit stores a checkout program, the second processor executes the checkout program, the checkout The billing program transmits the checkout request and a member discount information according to the corporate member information, the checkout program generates a checkout result based on the checkout request and the member discount information; and a member system terminal, which is connected to the sales A terminal, the member system end has a third communication unit, a third storage unit, and a third processor, the third processor is coupled to the third communication unit and the third storage unit, the third storage unit Store a discount processing program and multiple pieces of internal member information, each of which internal member information has at least one product discount information, one credit discount information, and at least one payment tool, and each payment tool has at least one tool discount information, The third processor executes the discount processing program, the discount processing program searches for the corresponding internal member information based on the corporate member information, and the discount processing program generates the discount processing program based on the internal member information, the product discount information, and the tool discount information Member discount information, the third communication unit sends the member discount information to the sales terminal. The shopping discount processing system for a digital payment tool according to claim 1, wherein the checkout request is a one-dimensional bar code or a two-dimensional bar code. The shopping discount processing system for a digital payment tool according to claim 1, wherein the product discount information includes a product redemption coupon, a cup coupon or a product discount coupon. The shopping discount processing system for a digital payment tool according to claim 1, wherein the credit discount information includes a gift certificate, a bonus point, or a discount. The shopping discount processing system for a digital payment tool according to claim 1, wherein the payment tool is an electronic wallet, a mobile payment program, an electronic ticket or a credit card information. The shopping discount processing system for a digital payment tool according to claim 1, wherein the discount processing program selects the corresponding product discount information, the credit discount information and the payment tool discount information according to the internal member information. The shopping discount processing system for a digital payment tool according to claim 1, wherein the discount processing program compares a product information of the shopping list with the product discount information, and selects the product discount information that matches the product information . The shopping discount processing system for a digital payment tool according to claim 1, wherein the mobile terminal includes an invoice return information, and the sales terminal generates an invoice information corresponding to the checkout result according to the invoice return information. The shopping discount processing system for a digital payment tool according to claim 1, wherein the member system terminal sends the member discount information to the mobile terminal, and the mobile terminal modifies the internal member information in the member discount information according to an adjustment request , These commodity discount information, The tool discount information or combination, the mobile terminal sends the modified discount information of the member to the sales terminal.

Images