TWM626978U - Electronic device and processing system for discount processing of electronic payment - Google Patents

Abstract

An electronic device and a processing system for discount processing of electronic payment, comprising the following steps: obtaining location information of the electronic device; selecting store activity information according to the location information; selecting at least one target product according to the store activity information; generating a first product according to the target product Checkout information; obtain the electronic payment list of the electronic device, which includes a plurality of electronic payment programs, and each electronic payment program has corresponding first discount information; obtain the payment bank list of the electronic device, which includes a plurality of back-end banks , each back-end bank has corresponding second discount information; output combination discount information according to the first discount information and the second discount information; generate second settlement information according to the first settlement information and the combination discount information.

Description

Electronic device and processing system for discount processing of electronic payment

A data processing device and system, particularly an electronic device and a processing system for discount processing of electronic payment.

With the rise of online payment tools, brick-and-mortar storefronts are also adding payment options for online payment tools. For consumers, in addition to increasing payment channels, they can also enjoy discounts brought by different payment tools. In general, consumers may have many different payment instruments, such as cash, credit cards, stored-value cards, or online payment programs. Also, due to the variety of payment tool options, it is difficult for consumers to immediately find the best discount tool and price at checkout.

In view of this, according to some embodiments, the electronic device for discount processing of electronic payment can not only provide discount information of consumer products in real time, but also provide relevant discount information of different payment instruments.

In some embodiments, the electronic device for applying discount processing of electronic payment includes a positioning component, a network communication component, a storage component and a processing unit. The positioning component obtains the location information of the electronic device; the network communication component is connected to the server end, the online payment end and the back-end bank, the network communication component transmits the store activity information of the server end, and the network communication component transmits the first order of the online payment end. a discount information and the second discount information of the back-end bank; the storage component stores the shopping program, the electronic payment list, the payment bank list and the electronic payment program; the processing unit is coupled to the positioning component, the network communication component and the storage component, and the processing unit executes A shopping program and an electronic payment program. The shopping program drives the network communication component to select store activity information from the server according to the location information. The shopping program generates first checkout information according to the target product, and the shopping program generates first checkout information according to the first discount information and the second discount information. The discount information outputs combined discount information, and the shopping program generates second checkout information according to the first checkout information and the combined discount information.

In some embodiments, the electronic device further includes a camera component, the camera component is electrically connected to the processing unit, the camera component is used for photographing the identification carrier of the purchased product, and the processing unit determines whether the purchased product includes the store activity according to the identification carrier information.

In some embodiments, the electronic payment discount processing system includes a server terminal, at least an online payment terminal and an electronic device. The server side stores the information of at least one sales side and the store activity information of the corresponding sales side; the online payment terminal has the first discount information; the back-end bank network is connected to the online payment terminal, and each back-end bank has the second discount information; the electronic device The network is connected to the server terminal or the online payment terminal. The electronic device has a shopping program, an electronic payment list and a payment bank list. The electronic payment list records the online payment terminal and the corresponding first discount information, and the payment bank list records the back-end bank and the corresponding first discount information. the second discount information, the electronic device executes the shopping program, the shopping program selects the location of the sales end and the store activity information from the server according to the location information, and the shopping program generates the first checkout according to at least one target commodity selected in the store activity information information; wherein, the electronic device outputs combined discount information according to the first discount information and the second discount information, and the shopping program generates the second checkout information according to the first checkout information and the combined discount information.

The electronic payment discount processing method and electronic device provide corresponding store activity information and discount commodity information according to the consumer's location information. The shopping program also provides corresponding discount information according to the selected online payment terminal and payment bank. The shopping program generates the second checkout information from the first checkout information, the first discount information, the second discount information or a combination thereof to prompt the consumer.

Please refer to FIG. 1A and FIG. 1B , which are a schematic diagram of a hardware structure and a schematic diagram of a system structure, respectively, of an embodiment of the present application. The discount processing system 100 for electronic payment in this embodiment includes an electronic device 110 , a server terminal 120 and at least an online payment terminal 130 . The electronic device 110 is network-connected to the server terminal 120 and the online payment terminals 130 . The type of the electronic device 110 may be, but not limited to, a mobile phone, a tablet, an interactive kiosk, a smart shopping basket, or a computing device with communication. In addition, in FIG. 1A , in addition to the electronic payment discount processing system 100 of this embodiment, the sales terminal 140 and the back-end bank 150 associated with the online payment terminal 130 are also shown to illustrate the operation object of this embodiment.

The electronic device 110 includes a positioning component 111 , a network communication component 112 , a storage component 113 and a processing unit 114 , please refer to FIG. 1B . The processing unit 114 is coupled to the positioning component 111 , the storage component 113 and the network communication component 112 . The positioning component 111 is used to obtain the position information 119 of the electronic device 110 . The positioning component 111 can obtain the position information 119 through a global positioning system (Global Positioning System, GPS) or obtain the position information 119 through a telecommunication base station assisted positioning (Assisted GPS). The network communication component 112 is connected to the server terminal 120 or the online payment terminal 130 through an ethernet or mobile communication technology standards.

The storage component 113 stores shopping programs 115 , groups of electronic payment programs 116 , an electronic payment list 117 and a payment bank list 118 . The processing unit 114 runs the shopping program 115 and the electronic payment program 116 . The shopping program 115 drives the positioning component 111 to obtain the location information 119 of the electronic device 110 . The shopping program 115 drives the network communication component 112 to connect to the server 120 . In addition to being deployed in the cloud network, the server end 120 can also be physically built in the sales end 140 at the corresponding location. The sales terminal 140 is a convenience store, a store or other chain stores. The server 120 selects the store activity information 121 of the corresponding location of the electronic device 110 according to the location information 119 . The server 120 transmits the selected store activity information 121 to the electronic device 110 . The store event information 121 includes a plurality of discount product information. The discounted product information includes the product name, price, event period, discount information or discount type of the target product.

In the process of selecting the store activity information 121 , the server 120 searches whether there is a sales terminal 140 with the store activity information 121 in the location (or its coverage area) according to the location information 119 . Taking the coverage area as an example, if the server 120 determines that there are multiple sales terminals 140 in the range of the location information 119 , the server 120 can transmit multiple store activity information 121 to the electronic device 110 . The located sales terminal 140 is selected by the electronic device 110 .

In order to distinguish the selling end 140 where the electronic device 110 is located from other selling ends 140, the selling end 140 where the electronic device 110 is located is called the first selling end 141, and the other selling ends 140 are called the second selling end 142, please refer to shown in Figure 2. The consumer and electronic device 110 are located in the point of sale 140 on the lower left side of FIG. 2 , and the dotted circle represents the coverage. Therefore, the sales terminal 140 where the electronic device 110 is located is the first sales terminal 141 , and the other sales terminals 140 within the coverage area are the second sales terminal 142 .

The shopping program 115 receives the information of the plurality of purchased products and selects the target products according to the store activity information 121 to calculate the preferential price. The sales terminal 140 provides a variety of optional products, and the target product refers to the optional products belonging to the store activity information 121 . When the consumer selects several shopping products from the first sales terminal 141, the shopping program 115 identifies whether all the shopping products include the target product in the store activity information 121, and calculates the target product and the non-target product (ie the remaining selected products). purchase items) corresponding first checkout information. The specific method for identifying the purchased product by the shopping program 115 will be described later.

Electronic payment list 117 includes a plurality of electronic payment programs 116 . Each electronic payment program 116 has corresponding first discount information. The electronic payment program 116 is a related program for transaction payment provided by the online payment terminal 130 . The electronic payment procedure 116 is determined according to the platform type of the electronic device 110, and is not limited to a specific platform here. After the shopping program 115 generates the first checkout information, the shopping program 115 loads the electronic payment list 117 for obtaining each electronic payment program 116 and the corresponding first discount information. The electronic payment program 116 may request the latest first discount information from the associated online payment terminal 130 .

The online payment terminal 130 includes electronic payment (Electronic Payment), mobile payment (Mobile payment) and third-party payment (Third-Party Payment). Mobile payment: a way of binding a credit card to the electronic device 110 as a payment vehicle, such as Apple Pay, Android Pay, etc. Electronic payment: There is an independent electronic payment account, which can be used for transaction or transfer, or a payment method that can be used for payment or stored value by binding a bank account, credit card, etc. pay. The online payment terminal 130 is between the back-end bank 150 and the consumer. For consumers, the online payment terminal 130 provides consumers with various payment collection, escrow, transfer or stored value services. For the back-end bank 150, the online payment terminal 130 integrates the processing of payment or receipt of each consumer.

Generally speaking, the online payment terminal 130 cooperates with at least one back-end bank 150 for business. The payment bank list 118 records each back-end bank 150 of the electronic device 110 and the second discount information to which the back-end bank 150 belongs. Generally speaking, the back-end bank 150 in the electronic device 110 does not necessarily have a corresponding online payment terminal 130 . For convenience of description, in this case, the back-end banks 150 recorded by the electronic device 110 all correspond to the wired payment terminal 130 . For the same back-end bank 150, it is possible to cooperate with multiple online payment terminals 130 at the same time, as shown in FIG. 1A . In FIG. 1A , the dotted box represents the back-end bank 150 that the online payment terminal 130 cooperates with, and the back-end bank 150 overlapped by the two dotted-line boxes indicates that the back-end bank 150 cooperates with the two online payment terminals 130 . FIG. 1A only illustrates the back-end banks 150 , and the number is not limited thereto. The shopping program 115 can obtain the corresponding second discount information from each backend bank 150 according to the payment bank list 118 .

In order to clearly illustrate the operation flow of this embodiment, please refer to the schematic flow chart of the discount processing method for electronic payment of this embodiment of the present application in conjunction with FIG. 3A . The discount processing method for electronic payment of this embodiment includes the following steps: Step S310: Obtain location information of the electronic device; Step S320: Select store activity information according to the location information; Step S330: Receive a plurality of purchased product information through the electronic device, and select at least one target product from the purchased product information according to the store activity information; Step S340: Generate first checkout information according to the target product and the remaining purchased product information; Step S350: Obtain an electronic payment list of the electronic device, which includes a plurality of electronic payment programs, and each electronic payment program has corresponding first discount information; Step S360: Obtain a payment bank list of the electronic device, which includes a plurality of back-end banks, and each back-end bank has corresponding second discount information; Step S370: outputting combined discount information according to the first discount information and the second discount information; and Step S380: Generate second checkout information according to the first checkout information and the combined discount information.

First, the electronic device 110 executes the shopping program 115 . The shopping program 115 drives the positioning component 111 to obtain the current location information 119 . The shopping program 115 determines whether it is located at the sales end 140 according to the location information 119 and the electronic map. If the electronic device 110 is located at the first sales terminal 141 , the shopping program 115 selects the corresponding server terminal 120 according to the location information 119 , and obtains the corresponding store activity information 121 from the server terminal 120 . The shopping program 115 can be connected to a server on the Internet, or can be connected to a server located at the first point of sale 141 .

After the consumer selects a plurality of purchased products in the first sales terminal 141, the electronic device 110 identifies whether the purchased products are the target products. The situations of identifying target products can be divided into three situations: the first situation is that the purchased products are all target products; the second situation is that some of the purchased products are the target products; the third situation is that none of the purchased products are the target products . The shopping program 115 calculates corresponding first checkout information for both the first condition and the second condition. The third state is beyond the scope of this embodiment.

Corresponding to the first situation and the second situation, the process of obtaining the first checkout by the shopping program 115 further includes the following steps, which are shown in FIG. 3B : Step S351: Obtain preferential information of each target commodity; Step S352: Calculate the first price of each preferential information and the corresponding target product; Step S353: Obtain the purchased product and the associated second price; and Step S354: Generate first checkout information according to the first price and the second price.

Corresponding to the first situation, the shopping program 115 calculates according to the preferential information and the original price of the target product, and obtains the first price after the discount. The shopping program 115 counts all the target commodities and their corresponding first prices as the first checkout information. For example, the single price of target product A is 80 yuan. In the store activity information 121, the discounted price of the two target commodities A is 128 yuan, as shown by the dotted box on the left side of FIG. 3C.

In some embodiments, the shopping program 115 will preferentially calculate the discounted preferential price of each target product. Here, the discounted preferential price is regarded as the first price. Next, the shopping program 115 obtains other purchased items and their associated second prices. The shopping program 115 counts the first price and the second price and generates first checkout information.

After the shopping program 115 completes the calculation of the first checkout information, the shopping program 115 will load the electronic payment list 117 and the payment bank list 118 . The shopping program 115 selects the electronic payment program 116 with the first discount information according to the electronic payment list 117 . Generally speaking, the electronic payment program 116 may have at least one or more first discount information. For example, the first discount information of the electronic payment program 116 is, respectively: “100 yuan to get 10 yuan” or “2% reward points”, etc., as shown in the center dotted box in FIG. 3C .

After selecting each electronic payment program 116 with the first discount information, the shopping program 115 selects the backend bank 150 with the second discount information from the payment bank list 118 . Each back-end bank 150 may also have at least one or more second discount information, as shown by the dashed box on the right side of FIG. 3C . The second discount information may be the cash discount provided by the bank, or the accumulated bonus.

The shopping program 115 outputs a combined discount information according to the first discount information and the second discount information. As mentioned above, the shopping program 115 can select multiple groups of electronic payment programs 116 according to the first discount information, and select multiple groups of back-end banks 150 according to the second discount information. Therefore, the shopping program 115 arranges and combines the first discount information and the second discount information respectively, and obtains a combined discount list. The combined discount list records various preferential combinations of the first discount information and the second discount information. The shopping program 115 sorts the combination discount table in descending order, and takes the discount combination with the largest value in the combination discount table as a combination discount information. The shopping program 115 generates the second checkout information according to the first checkout information and the combined discount information. The combination discount information is a discount combination in which the sum of information such as discount amount, points, and bonus rebate is a maximum value.

Taking FIG. 3B as an example, the first discount information has three groups of electronic payment programs 116 , namely, electronic payment_I, electronic payment_II and electronic payment_III, and each electronic payment program 116 has a piece of first discount information. The second discount information includes three groups of back-end banks 150, namely, the back-end bank_I, the back-end bank_II, and the back-end bank_III, and each back-end bank 150 has a piece of second discount information. Therefore, the shopping program 115 can obtain a 3*3 combined discount list. The shopping program 115 then selects the combined discount information from the combined discount list.

In some embodiments, the electronic device 110 further includes a display component 411 , as shown in FIG. 4A . The display element 411 is electrically connected to the processing unit 114 . The display component 411 is used for displaying the store activity information 121 , the first checkout information, the first discount information, the second discount information or the second checkout information. In the display component 411, a sales end list, a store activity information list, a first discount information list, a second discount information list or a combination discount information can be displayed, as shown in FIG. 4B . In FIG. 4B , the combined discount information selected by the shopping program 115 will be represented by gray blocks.

In some embodiments, the electronic device 110 further includes an input component 520 , as shown in FIG. 5 . The input component 520 is electrically connected to the processing unit 114 . The input component 520 is used for receiving the information of the purchased product. In some embodiments, the input component 520 may be a human interface device (Human Interface Devices or Human Input Device, HID), such as a cursor pointer, a keyboard or a touch screen. Consumers can query and purchase products by manual input.

In some embodiments, the electronic device 110 includes a camera assembly 412, as shown in FIG. 6A. The camera assembly 412 is electrically connected to the processing unit 114 . The camera assembly 412 is used for photographing the identification carrier 510 of the purchased product. The processing unit 114 determines whether the purchased product is included in the store activity information 121 according to the identification carrier 510 . In some embodiments, identifying the target commodity by the processing unit 114 further includes the following steps, which are also shown in FIG. 6B : Step S331: Read the identification carriers of the plurality of purchased commodities respectively; Step S332: According to the information of the purchased products obtained by the identification vehicle, determine whether the information of the purchased products is included in the information of the store activities; and Step S333: If the information of the purchased product is included in the store activity information, the purchased product corresponding to the purchased product information is the target product.

When the consumer obtains the purchased product, the electronic device 110 can read the identification carrier 510 of the purchased product. The identification carrier 510 can be, but is not limited to, a barcode, a two-dimensional barcode (QR code), a product name or a product number. Taking a mobile phone as an example, the electronic device 110 can use the camera assembly 412 to photograph the identification carrier 510 of the purchased product. The processing unit 114 determines whether the purchased product belongs to the store activity information 121 according to the identification vehicle 510 . If the purchased product is included in the store activity information 121, the purchased product is the target product. The shopping program 115 generates first checkout information according to the target product in combination with other purchased products. If the purchased product does not include the store activity information 121, the shopping program 115 does not calculate the discount for the purchased product. In other words, the shopping program 115 discounts only the price of the target item.

The electronic device for discount processing for electronic payment provides corresponding store activity information 121 and discount commodity information according to the consumer's location information 119 . The shopping program also provides corresponding discount information according to the selected online payment terminal and payment bank. The shopping program generates the second checkout information from the first checkout information, the first discount information, the second discount information or a combination thereof to prompt the consumer. The discount processing method for electronic payment of the present application automatically selects the best combined discount information according to the electronic payment program 116 recorded in the electronic device 110 and the back-end bank 150, so as to facilitate consumers to prompt the purchase of products.

100: Discount Processing System 110: Electronic Devices 111: Positioning components 112: Network Communication Components 113: Storage Components 114: Processing unit 115: Shopping Program 116: Electronic Payment Procedures 117: Electronic Payment List 118: List of Payment Banks 119: Location Information 120: server side 121: Information on store activities 130: Online payment terminal 140: Sales side 141: First Sales End 142: Second Sales End 150: Backend Banking 411: Display Components 412: Camera Components 510: Identify the vehicle 520: Input Components S310~S380, S331~S333, S351~S354: Steps

[FIG. 1A] A schematic diagram of the hardware structure of this embodiment of the present application. [FIG. 1B] A schematic diagram of the system architecture of this embodiment of the present application. [FIG. 2] A schematic diagram of the sales end of this embodiment of the present case. [ FIG. 3A ] A schematic diagram of the discount processing flow of electronic payment in this embodiment of the present application. [ FIG. 3B ] A schematic flowchart of the processing method for obtaining the first checkout according to this embodiment of the present application. [FIG. 3C] A schematic diagram of store activity information, first discount information, second discount information, and second checkout information of this embodiment of the present application. [FIG. 4A] A schematic diagram of the system architecture of this embodiment of the present application. [ FIG. 4B ] A schematic diagram of the first checkout information, the first discount information, the second discount information and the second checkout information of this embodiment of the present application. [FIG. 5] A schematic diagram of the system architecture of this embodiment of the present application. [FIG. 6A] A schematic diagram of the system architecture of this embodiment of the present application. [ FIG. 6B ] A schematic flowchart of the processing unit identifying the target commodity in this embodiment of the present application.

100: Discount Processing System

110: Electronic Devices

111: Positioning components

112: Network Communication Components

113: Storage Components

114: Processing unit

115: Shopping Program

116: Electronic Payment Procedures

117: Electronic Payment List

118: List of Payment Banks

119: Location Information

120: server side

121: Information on store activities

130: Online payment terminal

150: Backend Banking

Claims (10)

An electronic device for discount processing of electronic payment, comprising: a positioning component to obtain a position information of an electronic device; A network communication component, the network is connected to a server end, an online payment end and a back-end bank, the network communication component transmits a store activity information of the server end, and the network communication component transmits the online payment end. a first discount information and a second discount information of the back-end bank; an input component, receiving a plurality of information of purchased products, and screening at least one target product from the information of purchased products; a storage component storing a shopping program, an electronic payment list, a payment bank list and an electronic payment program; and a processing unit, coupled to the positioning component, the network communication component, the input component and the storage component, the processing unit executes the shopping program and the electronic payment program, and the shopping program drives the network communication according to the location information The component selects the store activity information corresponding to the location information from the server; Wherein, the shopping program generates a first checkout information according to the target product and the remaining purchased product information, the shopping program outputs a combination of discount information according to the first discount information and the second discount information, the The shopping program generates a second checkout information according to the first checkout information and the combined discount information. The electronic device according to claim 1, further comprising a display component electrically connected to the processing unit, and the display component is used for playing the store event information, the first checkout information, the first discount information, the first discount information, and the Two discount information or the second checkout information. The electronic device according to claim 1, wherein the input component includes a camera component electrically connected to the processing unit, the camera component is used for photographing an identification carrier of a purchased commodity, and the processing unit according to the identification carrier The tool determines whether the information of the purchased product is included in the activity information of the store. The electronic device as claimed in claim 1, wherein the input component comprises a human interface device, the human interface device is electrically connected to the processing unit, the human interface device is used for inputting an identification carrier of a purchased product, the human interface device is The processing unit judges whether the information of the purchased product is included in the information of the store activity according to the identification vehicle. The electronic device according to claim 3 or 4, wherein the identification carrier is a barcode, a two-dimensional barcode, a commodity name or a commodity number. A discount processing system for electronic payment, comprising: a server side, storing information of at least one sales side and a store activity information corresponding to the sales side; At least the online payment terminal has a first discount information; at least one back-end bank connected to the online payment terminal, and each of the back-end banks has a second discount information; and An electronic device, the network is connected to the server or the online payment terminal, the electronic device has a shopping program, an electronic payment list and a payment bank list, the electronic payment list records the online payment terminals and the corresponding The first discount information, the payment bank list records the back-end banks and the corresponding second discount information, the electronic device executes the shopping program, and the shopping program selects the location corresponding to the sales terminal to the server according to a location information The store activity information, the shopping program receives a plurality of purchased product information and filters out at least one target product according to the store activity information, and generates a first result according to the at least one target product and the remaining information of the purchased products. account information; The electronic device outputs a combination of discount information according to the first discount information and the second discount information, and the shopping program generates a second checkout information according to the first checkout information and the combination discount information. The discount processing system for electronic payment according to claim 6, wherein the electronic device includes a display component for playing the store event information, the first checkout information, the first discount information, the second discount information or The second checkout information. The discount processing system for electronic payment according to claim 6, wherein the electronic device includes an input component for receiving the information of the purchased products. The discount processing system for electronic payment according to claim 8, wherein the input component includes a camera component for photographing an identification carrier of a purchased item, and the electronic device determines the information of the purchased item according to the identification carrier Whether it is included in the event information of this store. The discount processing system for electronic payment according to claim 8, wherein the input component includes a human interface device for inputting an identification carrier of a purchased item, and the electronic device determines the purchased item according to the identification carrier Whether the information is included in the event information of this store.

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