TWM636223U - Point payment management system - Google Patents

Abstract

A point payment management system includes a storage unit and a processing unit electrically connected with the storage unit. The storage unit stores an account data related to a user, wherein the account data includes a first point data corresponding to a first point, and the first point data includes a first point balance. The processing unit is used for obtaining, from a financial server after receiving a payment request corresponding to a mobile payment device, a second credit corresponding to the account information and corresponding to a second credit and including a balance of the second credit. Two point data, and according to at least one of the first point balance and the second point balance, generate a payment whose attribute is the first point of the type, and execute the point payment program according to the payment .

Description

Points payment management system

The present invention relates to a payment management system, in particular to a point payment management system suitable for electronic payment.

In order to enhance the market competitiveness of their own credit cards, many banking institutions will give corresponding bonus points to consumers as a reward based on the amount of credit card swiped by consumers. However, if the bonus point is a specific type of point issued by the banking institution itself, its versatility is usually relatively poor. For example, the specific type of point may only be used to exchange Prizes, and cannot be used to pay for various daily consumption of consumers. In this case, it is difficult for the aforementioned bonus points to be recognized by consumers, and of course it is not conducive to the promotion of credit cards issued by banks.

Therefore, the purpose of the present invention is to provide a point payment management system that helps to improve the inconvenience of the prior art.

The point payment management system of the present invention is suitable for being electrically connected with a mobile payment device and a financial server. The point payment management system includes a storage unit and a processing unit electrically connected with the storage unit. The storage unit stores an account data related to a user, wherein the account data includes a first point data corresponding to a first point, and the first point data includes a first point balance. The processing unit is used for obtaining a second point balance corresponding to the account information and corresponding to a second point and including a second point balance from the financial server after receiving a payment request corresponding to the mobile payment device. Two point data, and according to at least one of the first point balance and the second point balance, generate a payment whose attribute is the first point of the type, and execute the point payment program according to the payment .

In some implementation aspects of the new point payment management system, the payment request includes a payment amount. The first point data also includes a first expiration time corresponding to the first point balance. The second point data also includes a second expiration time corresponding to the second point balance. The processing unit is also used for comparing the first expiry time and the second expiry time after obtaining the second point data to determine the time between the first expiry time and the second expiry time successive relationship. If the processing unit determines that the first due time is earlier than the second due time, the processing unit will preferentially generate the payment according to the first point balance. If the processing unit determines that the first expiry time is later than the second expiry time, the processing unit preferentially generates the payment according to the second point balance.

In some implementation aspects of the new point payment management system, if the processing unit determines that the first expiration time is earlier than the second expiration time and the first point balance is greater than or equal to the payment amount, the processing The unit generates the payment based solely on the first point balance. If the processing unit determines that the first due time is earlier than the second due time and the first point balance is less than the payment amount, the processing unit, according to the first point balance and the second point balance, and a conversion factor for converting the second point into the first point to generate the payment. If the processing unit determines that the first expiry time is later than the second expiry time and the product of the second point balance and the conversion coefficient is greater than or equal to the payment amount, the processing unit according to the second point balance and The conversion factor is used to generate the payment. If the processing unit determines that the first expiry time is later than the second expiry time and the product of the second point balance and the conversion coefficient is less than the payment amount, the processing unit simultaneously calculates the amount according to the first point balance, The second point balance and the conversion factor are used to generate the payment.

The effect of this new model is: the point payment management system can obtain the second point data corresponding to the second point from the financial server after receiving the payment request, and make the second point can be used for action payment, which greatly improves the versatility of the second point.

Before the present invention is described in detail, it should be noted that if there is no special definition, the "electrical connection" mentioned in this patent specification generally refers to the "wire connection" realized by connecting multiple electronic devices/devices/elements to each other through conductive materials. Electrical connection" and "radio connection" for one-way/two-way wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by direct connection between multiple electronic equipment/devices/components, and the connection between multiple electronic equipment/devices/components. The "indirect electrical connection" is formed by indirectly connecting each other through other electronic equipment/devices/components.

Referring to FIG. 1 , an embodiment of the point payment management system 1 of the present invention is, for example, managed by a mobile payment company, and the point payment management system 1 is suitable for cooperating with a mobile payment device 2 and a financial server 3 .

The mobile payment device 2 belongs to a user 20 shown in FIG. 1 , and the mobile payment device 2 can be a smart phone or a tablet computer. More specifically, the mobile payment device 2 is, for example, installed with a mobile payment application program issued by the mobile payment company and related to the point payment management system 1, and by loading and executing the mobile payment application program, the The mobile payment device 2 can log in the point payment management system 1 with a user account belonging to the user 20, and display a payment barcode indicating the user account. In this case, the user 20 can Use the payment barcode to make mobile payments in various stores (such as supermarkets, supermarkets, restaurants, etc.).

The financial server 3 is a server device managed by a banking institution, and the financial server 3 stores a bonus point data, wherein the bonus point data is used to record the number of credit card customers owned by the banking institution bonus points and their expiry date. The bonus points are a specific type of points issued by the banking institution itself, and are used by the banking institution as rewards for swiping cards of credit card customers. For the convenience of subsequent description, it is assumed that the user 20 in FIG. 1 also holds a credit card issued by the banking institution, and also belongs to one of the credit card customers of the banking institution, that is to say, the financial server 3 stores The bonus points information of the user 20 also records the bonus points and expiration time owned by the user 20 in the banking institution.

In this embodiment, the point payment management system 1 is a server device, and the point payment management system 1 includes a process that is suitable for being electrically connected to the mobile payment device 2 and the financial server 3 through the network unit 11, and a storage unit 12 electrically connected to the processing unit 11. The processing unit 11 is a central processing unit with data calculation and processing functions. However, in other embodiments, the processing unit 11 can also be implemented as a combination of multiple central processing units. The storage unit 12 is a data storage device for storing digital data, and can be, for example, a hard disk. However, in other embodiments, the storage unit 12 can also be implemented as different types of computer-readable recording media , or a combination of multiple computer-readable recording media.

It is supplemented that, in an actual implementation, the processing unit 11 can be electrically connected to multiple mobile payment devices 2 and multiple financial server terminals 3 at the same time. However, for ease of description, only the following will be shown in FIG. The mobile payment device 2 and the financial server 3 are shown to illustrate this embodiment. On the other hand, in different embodiments, the point payment management system 1 can also be implemented as a plurality of servo devices electrically connected to each other, and the present embodiment is not limited thereto.

In this embodiment, the storage unit 12 stores an account data D related to the user 20 . More specifically, the account data D is corresponding to the user account owned by the user 20, and the account data D includes a first point data corresponding to a first point. Further, the first point information includes a first point balance and a first expiry time corresponding to the first point balance, wherein the first point balance represents the user 20 currently owns The number of the first points (for example: 500 points), and the first expiration time represents the validity period of the first points currently owned by the user 20 (for example: December 31, 2022). In this embodiment, the first point is equivalent to the electronic currency of the mobile payment service provided by the mobile payment operator, and can be used for the user 20 to consume in the store by means of mobile payment. More specifically, when the user 20 operates the mobile payment device 2 to execute the payment application and display the payment barcode, and provides the payment barcode to the merchant to scan for checkout, it is equivalent to using the first payment method. Points are paid to the store.

The following describes how the point payment management system 1 of this embodiment cooperates with the mobile payment device 2 and the financial server 3 to operate.

First, the processing unit 11 receives a payment request corresponding to the mobile payment device 2 and including a payment amount. Wherein, the payment request may be sent by a checkout device (such as a POS machine) of the store after scanning the payment barcode displayed by the mobile payment device 2, or the payment request may also be sent by the mobile payment device 2 2 is sent after scanning a payment barcode displayed on the checkout device.

Once the processing unit 11 receives the payment request, the processing unit 11 immediately generates and sends a point inquiry request to the financial server 3 to obtain a second point corresponding to the account information D from the financial server 3 data. Wherein, the second point data corresponds to a second point related to the banking institution, and the second point data includes a second point balance, and a second point balance corresponding to the second point balance. Expire date. More specifically, the second points in this embodiment are bonus points used by the banking institution as rewards for swiping cards by customers. It should be added that since the user 20 has previously bound the credit card he applied for in the banking institution with the user account, the point inquiry request sent by the processing unit 11 to the financial server 3 will indicate The relevant information of the user 20 (such as but not limited to credit card number or ID card number), thereby, the financial server 3 can obtain the bonus points from the user-related information indicated by the point inquiry request. The bonus points currently owned by the user 20 and the expiration time are found in the data, so as to generate and send the second point data to the processing unit 11 .

After the processing unit 11 receives the second point data from the financial server 3, the processing unit 11 according to the first point balance in the first point data and the first point balance in the second point data At least one of the two point balances generates a payment whose attribute is the first point, and executes a point payment program corresponding to the payment amount according to the payment, so as to complete the user 20's payment at the store. The action pays for the job. It should be added that the way the processing unit 11 executes the point payment program belongs to the prior art and is not the focus of this patent specification, so its details will not be described in detail here.

More specifically, in this embodiment, when the processing unit 11 receives the second point data from the financial server 3, it first compares the first expiration time in the first point data. And the second expiry time in the second point data, so as to determine the temporal relationship between the first expiry time and the second expiry time. In other words, when receiving the second point data, the processing unit 11 first determines which of the first point and the second point owned by the user 20 will expire sooner.

If the processing unit 11 determines that the first expiration time is earlier than the second expiration time (representing that the first points owned by the user 20 will expire sooner than the second points), the processing unit 11 The payment will be generated preferentially according to the first point balance. And if the processing unit 11 judges that the first expiry time is later than the second expiry time (representing that the second points owned by the user 20 will expire sooner than the first points), the processing unit 11, the payment will be generated preferentially according to the second point balance.

In more detail, when the processing unit 11 determines that the first due time is earlier than the second due time, the processing unit 11 will further determine that the balance of the first points is greater than or equal to the payment amount, or less than the payment amount. If the processing unit 11 determines that the balance of the first points is greater than or equal to the payment amount (representing that the first points currently owned by the user 20 are sufficient to pay the payment amount), the processing unit 11 will only A one point balance is used to generate the payment. And if the processing unit 11 judges that the balance of the first points is less than the payment amount (representing that the first points currently owned by the user 20 are not enough to pay the payment amount), the processing unit 11 will follow the first point balance to pay the payment amount. One point balance, the second point balance, and a conversion factor for converting the second point into the first point to generate the payment. Wherein, the conversion coefficient represents the conversion rate at which the second point of this type is converted into the first point of the type. For example, if the conversion coefficient is 0.8, it means that every 1 point of the second point can be converted into 0.8 points of the first point, and if the conversion factor is 1, it means that every 1 point of the second point can be converted into 1 point of the first point.

As a further example, assuming that the conversion factor is 1 and the payment amount is 100, if the first due time is earlier than the second due time, if the first point balance is greater than or equal to the payment amount (for example, there are 200 points in total), the processing unit 11 will use 100 of the first points to generate the payment. And if the balance of the first points is less than the payment amount (for example only 80 points), then the processing unit 11 will generate the payment according to the 80 first points plus 20 second points Payment, in other words, in this example, the processing unit 11 is equivalent to converting 20 second points into 20 first points, plus the original remaining 80 first points to generate the payment.

On the other hand, when the processing unit 11 determines that the first expiration time is later than the second expiration time, the processing unit 11 will further determine that the product of the second point balance and the conversion factor is greater than Equal to the payment amount, or less than the payment amount. If the processing unit 11 determines that the product of the second point balance and the conversion factor is greater than or equal to the payment amount (representing that the second points currently owned by the user 20 are sufficient to pay the payment amount), the processing unit 11 The payment will be generated only based on the second point balance and the conversion factor, that is, the payment will be generated by converting a part of the second points owned by the user 20 into the first points that meet the payment amount . And if the processing unit 11 judges that the product of the second point balance and the conversion factor is less than the payment amount (representing that the second points currently owned by the user 20 are not enough to pay the payment amount), the processing unit 11, the payment will be generated simultaneously according to the balance of the first points, the balance of the second points and the conversion coefficient.

For example, assuming that the conversion factor is 1 and the payment amount is 100, if the first due time is later than the second due time, if the second point balance is greater than or equal to the payment amount (For example, there are 300 points in total), then the processing unit 11 will use 100 second points to generate the payment. And if the balance of the second points is less than the payment amount (for example, only 60 points), then the processing unit 11 will generate the payment according to the 60 second points plus 40 first points In other words, in this example, the processing unit 11 is equivalent to converting the remaining 60 second points into the first points and then adding the 40 first points originally owned by the user 20 to generate the payment. Make a payment.

To sum up, on the premise that the total value of the first points and the second points owned by the user 20 is sufficient to pay the payment amount, the point payment management system 1 can automatically give priority to the first points and the second points. The faster due one of the second points generates the payment, and even if one of the points to be used in priority is not enough to pay the payment amount, the point payment management system 1 can also use another Points to make up for the insufficient part, whereby the point payment management system 1 enables the second point (that is, the bonus point used by the banking institution as a reward for swiping the card of the customer) to be used for mobile payment, and greatly The versatility of this second point is improved, so the purpose of this novelty can indeed be achieved.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.

1: Points payment management system 11: Processing unit 12: storage unit D: account information 2: Mobile payment device 3: Financial server 20: User

Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: FIG. 1 is a block diagram schematically showing an embodiment of the new point payment management system, as well as a mobile payment device and a financial server suitable for cooperating with the embodiment.

1: Points payment management system

11: Processing unit

12: storage unit

D: account information

2: Mobile payment device

3: Financial server

20: User

Claims (3)

A point payment management system, suitable for electrical connection with a mobile payment device and a financial server, the point payment management system includes: A storage unit storing an account data related to a user, wherein the account data includes a first point data corresponding to a first point, and the first point data includes a first point balance ;and A processing unit, electrically connected to the storage unit, is used to obtain a second point corresponding to the account information from the financial server after receiving a payment request corresponding to the mobile payment device, including A second point data of the second point balance, and according to at least one of the first point balance and the second point balance, a payment attribute of the first point is generated, and according to This payment executes a point payment procedure. The point payment management system as described in claim 1, wherein: The payment request includes a payment amount; The first point information also includes a first expiration time corresponding to the first point balance; The second point information also includes a second expiration time corresponding to the second point balance; The processing unit is also used for comparing the first expiry time and the second expiry time after obtaining the second point data to determine the time between the first expiry time and the second expiry time successive relationship; If the processing unit determines that the first expiry time is earlier than the second expiry time, the processing unit preferentially generates the payment according to the first point balance; and If the processing unit determines that the first expiry time is later than the second expiry time, the processing unit preferentially generates the payment according to the second point balance. The point payment management system as described in claim 2, wherein: If the processing unit determines that the first due time is earlier than the second due time and the first point balance is greater than or equal to the payment amount, the processing unit only generates the payment according to the first point balance; If the processing unit determines that the first due time is earlier than the second due time and the first point balance is less than the payment amount, the processing unit, according to the first point balance and the second point balance, and a conversion factor for converting the second point into the first point to generate the payment; If the processing unit determines that the first expiry time is later than the second expiry time and the product of the second point balance and the conversion coefficient is greater than or equal to the payment amount, the processing unit according to the second point balance and the conversion factor to generate the payment; and If the processing unit determines that the first expiry time is later than the second expiry time and the product of the second point balance and the conversion coefficient is less than the payment amount, the processing unit simultaneously calculates the amount according to the first point balance, The second point balance and the conversion factor are used to generate the payment.

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