TWM636223U - Point payment management system - Google Patents
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Abstract
一種點數支付管理系統,包含一儲存單元及一與該儲存單元電連接的處理單元。該儲存單元儲存有一相關於一使用者的帳戶資料,其中,該帳戶資料包含一對應於一種第一點數的第一點數資料,且該第一點數資料包括一第一點數餘額。該處理單元用於在接收到一對應於一行動支付裝置的支付請求之後,從一金融伺服端獲得一對應於該帳戶資料且對應於一種第二點數且包括一第二點數餘額的第二點數資料,且根據該第一點數餘額及該第二點數餘額的其中至少一者產生一筆款項屬性為該種第一點數的支付款項,並根據該支付款項執行一點數支付程序。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
本新型是有關於一種支付管理系統,特別是指一種適合應用於電子支付的點數支付管理系統。The present invention relates to a payment management system, in particular to a point payment management system suitable for electronic payment.
許多銀行機構為了提升自家信用卡的市場競爭力,會依據消費者的刷卡金額發放對應的紅利點數給消費者作為回饋。但是,若紅利點數是銀行機構本身所發行的特定種類點數,則其泛用程度通常相對較差,舉例來說,所述的特定種類點數可能僅能用來兌換可選種類相當有限的獎品,且也無法被用來支付消費者的各種日常消費。在此情況下,所述的紅利點數便難以得到消費者的認同,當然也就不利於銀行機構推廣自家發行的信用卡。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.
因此,本新型之目的,便在於提供一種有助於改善現有技術之不便的點數支付管理系統。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.
本新型點數支付管理系統適用於與一行動支付裝置及一金融伺服端電連接,該點數支付管理系統包含一儲存單元,以及一與該儲存單元電連接的處理單元。該儲存單元儲存有一相關於一使用者的帳戶資料,其中,該帳戶資料包含一對應於一種第一點數的第一點數資料,且該第一點數資料包括一第一點數餘額。該處理單元用於在接收到一對應於該行動支付裝置的支付請求之後,從該金融伺服端獲得一對應於該帳戶資料且對應於一種第二點數且包括一第二點數餘額的第二點數資料,且根據該第一點數餘額及該第二點數餘額的其中至少一者產生一筆款項屬性為該種第一點數的支付款項,並根據該支付款項執行一點數支付程序。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 .
在本新型點數支付管理系統的一些實施態樣中,該支付請求包含一支付金額。該第一點數資料還包括一對應於該第一點數餘額的第一到期時間。該第二點數資料還包括一對應於該第二點數餘額的第二到期時間。該處理單元還用於在獲得該第二點數資料之後比對該第一到期時間及該第二到期時間,而判定該第一到期時間與該第二到期時間之間的時間先後關係。若該處理單元判斷出該第一到期時間早於該第二到期時間,該處理單元優先根據該第一點數餘額來產生該支付款項。若該處理單元判斷出該第一到期時間晚於該第二到期時間,該處理單元優先根據該第二點數餘額來產生該支付款項。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.
在本新型點數支付管理系統的一些實施態樣中,若該處理單元判斷出該第一到期時間早於該第二到期時間且該第一點數餘額大於等於該支付金額,該處理單元僅根據該第一點數餘額來產生該支付款項。若該處理單元判斷出該第一到期時間早於該第二到期時間且該第一點數餘額小於該支付金額,該處理單元根據該第一點數餘額、該第二點數餘額,以及一用於將該種第二點數轉換為該種第一點數的轉換係數來產生該支付款項。若該處理單元判斷出該第一到期時間晚於該第二到期時間且該第二點數餘額與該轉換係數的乘積大於等於該支付金額,該處理單元根據該第二點數餘額及該轉換係數來產生該支付款項。若該處理單元判斷出該第一到期時間晚於該第二到期時間且該第二點數餘額與該轉換係數的乘積小於該支付金額,該處理單元同時根據該第一點數餘額、該第二點數餘額及該轉換係數來產生該支付款項。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.
本新型之功效在於:該點數支付管理系統能在接收到支付請求之後從金融伺服端獲得對應於第二點數的第二點數資料,且使得該種第二點數能被用於行動支付,而大大提升了第二點數的泛用性。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.
在本新型被詳細描述之前應當注意:若未特別定義,則本專利說明書中所述的「電連接」是泛指多個電子設備/裝置/元件之間透過導電材料彼此相連而實現的「有線電連接」,以及透過無線通訊技術進行單/雙向無線信號傳輸的「無線電連接」。另一方面,本專利說明書中所述的「電連接」也泛指多個電子設備/裝置/元件之間彼此直接相連而形成的「直接電連接」,以及多個電子設備/裝置/元件之間還透過其他電子設備/裝置/元件彼此間接相連而形成的「間接電連接」。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.
參閱圖1,本新型點數支付管理系統1之一實施例例如是由一行動支付業者所管理,而且,該點數支付管理系統1適合與一行動支付裝置2以及一金融伺服端3配合。Referring to FIG. 1 , an embodiment of the point
該行動支付裝置2歸屬於圖1所示出的一使用者20,且該行動支付裝置2可以是一台智慧型手機或者平板電腦。更具體地說,該行動支付裝置2例如安裝有一由該行動支付業者所發行且相關於該點數支付管理系統1的行動支付應用程式,而藉由載入並執行該行動支付應用程式,該行動支付裝置2能夠以一歸屬於該使用者20的使用者帳戶登入該點數支付管理系統1,並顯示一指示出該使用者帳戶的支付條碼,在此情況下,該使用者20便能利用該支付條碼在各種店家(例如超市、超商及餐廳等)以行動支付方式進行消費。The
該金融伺服端3是由一銀行機構所管理的伺服設備,且該金融伺服端3儲存有一紅利點數資料,其中,該紅利點數資料是用於記錄該銀行機構之多位信用卡客戶所擁有的紅利點數以及到期時間。所述的紅利點數是該銀行機構本身所發行的一種特定種類點數,而被該銀行機構用來作為信用卡客戶的刷卡回饋。為了便於後續說明,在此假設圖1中的該使用者20也持有該銀行機構所發行的信用卡,而亦屬於該銀行機構的信用卡客戶之一,也就是說,該金融伺服端3所儲存的紅利點數資料中也會記錄有該使用者20於該銀行機構所擁有的紅利點數及到期時間。The
在本實施例中,該點數支付管理系統1是一台伺服設備,且該點數支付管理系統1包含一適用於與該行動支付裝置2及該金融伺服端3透過網路電連接的處理單元11,以及一電連接該處理單元11的儲存單元12。該處理單元11為一具有資料運算、處理功能的中央處理器,然而,在其他實施例中,該處理單元11亦可被實施為多個中央處理器的組合。該儲存單元12是一用於儲存數位資料的資料儲存裝置,且可例如為一硬碟,然而,在其他實施例中,該儲存單元12亦可被實施為不同種類的電腦可讀取記錄媒體,或者是多個電腦可讀取記錄媒體的組合。In this embodiment, the point
補充說明的是,在實際的實施態樣中,該處理單元11可以同時與多個行動支付裝置2及多個金融伺服端3電連接,然而,為了便於描述,以下僅會以圖1所示出的該行動支付裝置2及該金融伺服端3對本實施例進行說明。另一方面,在不同的實施例中,該點數支付管理系統1亦可被實施為多台彼此電連接的伺服設備,而並不以本實施例為限。It is supplemented that, in an actual implementation, the
在本實施例中,該儲存單元12儲存有一相關於該使用者20的帳戶資料D。更明確地說,該帳戶資料D是對應於該使用者20所擁有的該使用者帳戶,且該帳戶資料D包含一對應於一種第一點數的第一點數資料。進一步地,該第一點數資料包括一第一點數餘額,以及一對應於該第一點數餘額的第一到期時間,其中,該第一點數餘額代表該使用者20當前所擁有之第一點數的數量(例如:500點),而該第一到期時間則代表該使用者20當前所擁有之第一點數的有效期限(例如:2022年12月31日)。在本實施例中,該種第一點數相當於是該行動支付業者所提供之行動支付服務的電子貨幣,而能用於供該使用者20在店家以行動支付方式進行消費。更明確地說,當該使用者20操作該行動支付裝置2執行該支付應用程式並顯示該支付條碼,且將該支付條碼提供給店家掃描以進行結帳時,便相當於是利用該種第一點數付款給店家。In this embodiment, the
以下說明本實施例的點數支付管理系統1如何配合該行動支付裝置2及該金融伺服端3運作。The following describes how the point
首先,該處理單元11接收一對應於該行動支付裝置2且包含一支付金額的支付請求。其中,該支付請求可以是由店家的一台結帳裝置(例如POS機)在掃瞄該行動支付裝置2所顯示的支付條碼後所傳送,或者,該支付請求也可以是由該行動支付裝置2在掃瞄該結帳裝置所顯示的一收款條碼後所傳送。First, the
一旦該處理單元11接收到該支付請求,該處理單元11即時地產生並傳送一點數查詢請求至該金融伺服端3,以從該金融伺服端3獲得一對應於該帳戶資料D的第二點數資料。其中,該第二點數資料對應於一種相關於該銀行機構的第二點數,且該第二點數資料包括一第二點數餘額,以及一對應於該第二點數餘額的第二到期時間。更明確地說,該種第二點數在本實施例中即為該銀行機構用來作為客戶刷卡回饋的紅利點數。補充說明的是,由於該使用者20有預先將其在該銀行機構所申辦的信用卡與該使用者帳戶綁定,所以該處理單元11傳送至該金融伺服端3的該點數查詢請求會指示出該使用者20的相關資料(例如但不限於信用卡號碼或者身分證字號),藉此,該金融伺服端3便能根據該點數查詢請求所指示出的使用者相關資料從該紅利點數資料中查詢到該使用者20當前所擁有的紅利點數及到期時間,從而產生並傳送該第二點數資料至該處理單元11。Once the
在該處理單元11接收到來自該金融伺服端3的該第二點數資料後,該處理單元11根據該第一點數資料中的第一點數餘額及該第二點數資料中的第二點數餘額的其中至少一者產生一筆款項屬性為該種第一點數的支付款項,並根據該支付款項執行一對應於該支付金額的點數支付程序,以完成該使用者20在店家的行動支付作業。補充說明的是,該處理單元11執行該點數支付程序的方式屬於現有技術且非本專利說明書之重點,故在此不詳述其細節。After the
更具體地說,在本實施例中,當該處理單元11接收到來自該金融伺服端3的該第二點數資料時,是先比對該第一點數資料中的第一到期時間以及該第二點數資料中的第二到期時間,從而判定該第一到期時間與該第二到期時間之間的時間先後關係。換言之,該處理單元11在接收到該第二點數資料時,是先判斷該使用者20所擁有的第一點數及第二點數中哪一者會比較快到期。More specifically, in this embodiment, when the
若該處理單元11判斷出該第一到期時間早於該第二到期時間(代表該使用者20所擁有的第一點數會較第二點數更快到期),該處理單元11會優先根據該第一點數餘額來產生該支付款項。而若該處理單元11判斷出該第一到期時間晚於該第二到期時間(代表該使用者20所擁有的第二點數會較第一點數更快到期),該處理單元11則會優先根據該第二點數餘額來產生該支付款項。If the
更詳細地說,在該處理單元11判斷出該第一到期時間早於該第二到期時間的情況下,該處理單元11會進一步判斷該第一點數餘額是大於等於該支付金額,還是小於該支付金額。若該處理單元11判斷出該第一點數餘額是大於等於該支付金額(代表該使用者20當前所擁有的第一點數足以支付該支付金額),該處理單元11便會僅根據該第一點數餘額來產生該支付款項。而若該處理單元11判斷出該第一點數餘額是小於該支付金額(代表該使用者20當前所擁有的第一點數不足以支付該支付金額),該處理單元11則會根據該第一點數餘額、該第二點數餘額,以及一用於將該種第二點數轉換為該種第一點數的轉換係數來產生該支付款項。其中,該轉換係數是代表該種第二點數被轉換成該種第一點數的轉換率,舉例來說,若該轉換係數為0.8,則代表每1點第二點數可以被轉換成0.8點第一點數,而若該轉換係數為1,則代表每1點第二點數可以被轉換成1點第一點數。In more detail, when the
進一步舉例來說,假設該轉換係數為1且該支付金額為100,則在該第一到期時間早於該第二到期時間的情況下,若該第一點數餘額是大於等於該支付金額(例如共有200點),則該處理單元11便會以其中100點第一點數來產生該支付款項。而若該第一點數餘額是小於該支付金額(例如只有80點),則該處理單元11便會根據所述的80點第一點數再加上20點第二點數來產生該支付款項,換言之,在此例中,該處理單元11相當於是將20點第二點數轉換成20點第一點數,再加上原先剩餘的80點第一點數來產生該支付款項。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
另一方面,在該處理單元11判斷出該第一到期時間晚於該第二到期時間的情況下,該處理單元11會進一步判斷該第二點數餘額與該轉換係數的乘積是大於等於該支付金額,還是小於該支付金額。若該處理單元11判斷出該第二點數餘額與該轉換係數的乘積是大於等於該支付金額(代表該使用者20當前所擁有的第二點數足以支付該支付金額),該處理單元11便會僅根據該第二點數餘額及該轉換係數來產生該支付款項,亦即將該使用者20擁有的其中一部分第二點數轉換為符合該支付金額的第一點數來產生該支付款項。而若該處理單元11判斷出該第二點數餘額與該轉換係數的乘積是小於該支付金額(代表該使用者20當前所擁有的第二點數不足以支付該支付金額),該處理單元11則會同時根據該第一點數餘額、該第二點數餘額及該轉換係數來產生該支付款項。On the other hand, when the
舉例來說,假設該轉換係數為1且該支付金額為100,則在該第一到期時間晚於該第二到期時間的情況下,若該第二點數餘額是大於等於該支付金額(例如共有300點),則該處理單元11便會以100點第二點數來產生該支付款項。而若該第二點數餘額是小於該支付金額(例如只有60點),則該處理單元11便會根據所述的60點第二點數再加上40點第一點數來產生該支付款項,換言之,在此例中,該處理單元11相當於是將剩餘的60點第二點數轉換成第一點數後再補上該使用者20原先擁有的40點第一點數來產生該支付款項。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
綜上所述,在該使用者20擁有之第一點數及第二點數的總價值足以支付該支付金額的前提下,該點數支付管理系統1能夠自動地優先以第一點數及第二點數中較快到期的一者來產生該支付款項,而且,即便當前要被優先使用的其中一種點數不足以支付該支付金額,該點數支付管理系統1也能利用另一種點數來補足不足的部分,藉此,該點數支付管理系統1使得該種第二點數(即該銀行機構用來作為客戶刷卡回饋的紅利點數)能被用於行動支付,而大大提升了該種第二點數的泛用性,故確實能達成本新型之目的。To sum up, on the premise that the total value of the first points and the second points owned by the
惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本新型專利涵蓋之範圍內。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:點數支付管理系統 11:處理單元 12:儲存單元 D:帳戶資料 2:行動支付裝置 3:金融伺服端 20:使用者 1: Points payment management system 11: Processing unit 12: storage unit D: account information 2: Mobile payment device 3: Financial server 20: User
本新型之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是一方塊示意圖,示例性地表示本新型點數支付管理系統的一實施例,以及適用於與該實施例配合的一行動支付裝置及一金融伺服端。 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:點數支付管理系統 1: Points payment management system
11:處理單元 11: Processing unit
12:儲存單元 12: storage unit
D:帳戶資料 D: account information
2:行動支付裝置 2: Mobile payment device
3:金融伺服端 3: Financial server
20:使用者 20: User
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TW111210610U TWM636223U (en) | 2022-09-29 | 2022-09-29 | Point payment management system |
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TWM636223U true TWM636223U (en) | 2023-01-01 |
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