WO2020146963A1 - 将交易码结构转换成付款信息的方法与系统 - Google Patents

将交易码结构转换成付款信息的方法与系统 Download PDF

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Publication number
WO2020146963A1
WO2020146963A1 PCT/CN2019/000118 CN2019000118W WO2020146963A1 WO 2020146963 A1 WO2020146963 A1 WO 2020146963A1 CN 2019000118 W CN2019000118 W CN 2019000118W WO 2020146963 A1 WO2020146963 A1 WO 2020146963A1
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Prior art keywords
information
coupon
payment
credit card
transaction
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PCT/CN2019/000118
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English (en)
French (fr)
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李立基
佘启彦
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李立基
佘启彦
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Publication of WO2020146963A1 publication Critical patent/WO2020146963A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards

Definitions

  • the present invention relates to a method and system for converting a transaction code structure into payment information, and in particular to a method and system for converting coupons displayed on various electronic devices or physical planes to consumers for consumption.
  • the coupon issuing party if the coupon is issued in a large amount, it is equivalent to paying a large amount of cost in advance and not sure whether there is a real risk of offsetting; even if it is settled on a monthly basis to the seller
  • the labor and time costs of the two parties are even more unimaginable and there is no guarantee that there will be no mistakes.
  • coupons have specific usage conditions such as expiration date, specific members, and special conditions such as the number of purchases exceeding a certain product, the seller will consume a lot of time, cost and manpower for verification.
  • the users can only grasp the record of the consumer's purchase, and the channel from which the consumer obtains the coupon and induces the consumer to use the coupon to purchase the product Motivation related to services, such as which online advertisement, newsletter or good news, decided to use coupons and other details are completely unknown.
  • the purpose of the present invention is to provide a method and system for converting a transaction code structure into payment information, which is a B2B (business-to-business/business-to-business transaction through various methods of e-commerce) transaction mode.
  • B2B business-to-business/business-to-business transaction through various methods of e-commerce
  • the funds corresponding to the coupons can be allocated to The business owner and the business owner do not need to pay in advance, effectively know what kind of advertisement encourages consumers to use a certain coupon, and know the various big data information from which consumers obtain the coupon, as a future advertising marketing strategy.
  • the present invention provides a method for converting a transaction code structure into payment information, which includes the following steps: a step A, a step B, and a step C.
  • a first reading device reads a transaction code structure to obtain a piece of information.
  • the information is verified by an authorization information.
  • the payment information corresponding to the transaction code structure is obtained by the authorization information.
  • the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the step A further includes: reading the coupon identifier by the first reading device, And transmit the coupon identifier to an intermediary device, wherein the intermediary device stores the authorization information; wherein the information is a coupon redemption information, the coupon redemption information includes a verification information and a transaction information; wherein the step B includes: verifying whether the verification information is valid by the authorization information; wherein the step C further includes: if the verification information is valid, converting the transaction information into a payment information by the authorization information, and the payment information is for transmission to A card issuer performs verification, and if the card issuer is successfully verified, the payment corresponding to the coupon will be allocated to the merchant.
  • the payment information in step C includes one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers correspond to multiple merchants and the multiple merchants correspond to multiple Coupons; where the merchant in step A is one of the multiple merchants and the coupon in step A is one of the multiple coupons.
  • a step X1 is further included before step A.
  • step X1 a plurality of virtual credit card numbers converted from an original credit card number by a card issuer are transmitted to the intermediary device for storage, and the plurality of virtual credit card numbers and coupons are respectively corresponding to a plurality of merchants square.
  • it further includes a step Z before the step A.
  • a consumer uses a second reading device to read a barcode on a display device to obtain a coupon, wherein the The display device includes a marketing message.
  • the transaction information further includes the payment corresponding to the coupon;
  • the coupon redemption information further includes a coupon source information, and the coupon source information corresponds to the display device.
  • the invention provides a system for converting a transaction code structure into payment information, which includes an intermediary device and a first reading device.
  • the first reading device is used for reading a transaction code structure to obtain information.
  • the intermediary device is configured to store authorization information, the authorization information includes a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured to verify the information with an authorized account, and The intermediary device obtains payment information corresponding to the transaction code structure through the authorized account.
  • the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the intermediary device is for receiving the coupon identifier read by the first reading device; wherein The information is a coupon redemption information, the coupon redemption information includes a verification information and a transaction information; the intermediary device is used to verify whether the verification information is valid through the authorized account, and if the verification information is valid, the intermediary device borrows The authorized account converts the transaction information into payment information, and transmits the payment information to a card issuer for verification. If the card issuer is successfully verified, the payment corresponding to the coupon is allocated to the merchant.
  • the payment information includes one of multiple virtual credit card numbers; wherein the multiple virtual credit card numbers correspond to multiple merchants and the multiple merchants correspond to multiple coupons, where the merchant is One of the multiple merchants and the coupon is one of the multiple coupons.
  • the intermediary device is further configured to receive a plurality of virtual credit card numbers converted from an original credit card number by a card issuer; wherein the intermediary device is further configured to correspond to the plurality of virtual credit card numbers and a plurality of coupons, respectively Multiple merchants.
  • the system further includes a display device that displays a marketing message and a barcode, wherein the barcode is read by the consumer with a second reading device so that the consumer can obtain the coupon.
  • the transaction information further includes the payment corresponding to the coupon;
  • the coupon redemption information further includes a coupon source information, and the coupon source information corresponds to the display device.
  • Fig. 1 is a schematic diagram of an embodiment of the method and system for converting a transaction code structure into payment information according to the present invention.
  • FIGS. 2A and 2B are schematic diagrams of embodiments of the method and system for converting a transaction code structure into payment information according to the present invention.
  • Fig. 3 is a flowchart of an embodiment of a method for converting a transaction code structure into payment information according to the present invention.
  • 4A and 4B are schematic diagrams of embodiments of the method and system for converting a transaction code structure into payment information according to the present invention.
  • 5A and 5B are schematic diagrams of an embodiment of a method and system for converting a transaction code structure into payment information according to the present invention.
  • Fig. 6 is a schematic diagram of an embodiment of a system for converting a transaction code structure into payment information according to the present invention.
  • FIG. 7 is a schematic diagram of the operation mode of the method and system for converting the transaction code structure into payment information of the present invention.
  • Reference Signs 1-intermediary device; 2-first reading device; 3-issuer; 31-issuer; 32-acquirer; 33-authenticating party; 4-second reading device; 5-display device ; 6-Paper posters, electronic billboards, print billboards or platforms.
  • the present invention discloses a system for converting a transaction code structure into payment information, which includes an intermediary device 1, a first reading device 2, a card issuer 3, and a second reading device 4.
  • the card issuer 3 includes an issuer 31, an acquirer 32, and an authenticator 33.
  • the intermediary device 1 is adapted to receive the coupon corresponding to a merchant (or various objects in the form of chips, tapes, etc.) read from the first reading device 2 to obtain a transaction code structure (for example, In the following embodiment, a coupon identifier) to obtain a piece of information.
  • the intermediary device 1 is used for converting, mapping or mapping the coupon identifier to the information (for example, in the following embodiment, a coupon redemption information), wherein the coupon redemption information includes a verification information and a transaction information.
  • the intermediary device 1 is configured to store an authorization information, the authorization information includes a plurality of authorization accounts, the plurality of authorization accounts are associated with the transaction code structure; and the intermediary device 1 is configured as an authorization account
  • the information is verified, and the intermediary device 1 obtains the payment information corresponding to the transaction code structure through the authorized account.
  • the intermediary device 1 uses the authorized account to verify whether the verification information is valid.
  • the intermediary device 1 If the intermediary device 1 verifies that the verification information is valid, the intermediary device 1 converts the transaction information into payment information, and transmits the payment information to the issuing card Party 3 performs verification. If the card issuer 3 succeeds in the verification, the payment corresponding to the coupon will be allocated to the merchant.
  • the present invention also discloses a method of appropriating funds corresponding to coupons to merchants, which includes:
  • Step A Read the transaction code structure by the first reading device 2 to obtain the information
  • Step B verify the information by the authorization information
  • Step C Obtain the payment information corresponding to the transaction code structure by using the authorization information.
  • step A it further includes: in step X1, the issuer 31 provides an original credit card number (Real Card Number/RCN) and credit facility registered in the issuer 31 to the intermediary device 1 .
  • the intermediary device 1 is a platform or server.
  • the issuer 31 (Issuer) is a financial institution such as a bank, etc.; the authenticator is a credit card certification center (Institute for Certification of Computer Profession) such as VISA, Master Card, etc.; the present invention is referred to as an acquirer (Acquirer) in the following text For acquiring institutions such as general banks.
  • the authenticator 33 converts the original credit card number into multiple virtual credit card numbers (Virtual Card Number/VCN), and transmits the multiple virtual credit card numbers to the intermediary device 1 for storage.
  • the multiple virtual credit card numbers can be stored in the authorized account.
  • the virtual credit card number of the present invention is a dynamically changing virtual credit card number (Dynamic VCN), and each of the multiple virtual credit card numbers is randomly generated.
  • each of the virtual credit card numbers of the present invention will not be disclosed to merchants, consumers, etc.
  • the multiple virtual credit card numbers and multiple coupons are respectively set to correspond to multiple merchants.
  • the present invention can distinguish the payment of the corresponding payment when the coupons corresponding to different merchants are redeemed by different ones of multiple virtual credit card numbers.
  • the virtual credit card number of the present invention has a "one-to-one" correspondence with the merchant.
  • the virtual credit card number of the present invention can also correspond to the merchant side and its sub-merchant side "one-to-many” or "many-to-one".
  • a brand has multiple entities or online stores, but each entity or online store belongs to a different legal entity (ie, has a different bank account).
  • each store needs to set Different merchant identifiers (MIDs) mean that each of the aforementioned stores will correspond to different VCNs (due to different MIDs). For example, there are multiple physical stores of different brands in a department store. Since the funds for the coupon redemption are to the accounts of different merchants, the physical stores of different brands will correspond to different VCNs; or, an online e-commerce platform. There are different online stores that do the same.
  • the present invention uses multiple sets of virtual credit card numbers to correspond to different merchants (including their sub-merchants or not including their sub-merchants), and multiple sets of virtual credit card numbers correspond to one physical credit card number, thereby solving the existing problems The aforementioned technical problem of coupons due to payment by multiple different merchants.
  • the acquirer 32 includes multiple merchant identifiers, and the multiple merchant identifiers (MIDs) correspond to multiple merchants for the acquirer 32 to identify each merchant for subsequent funding steps.
  • the intermediary device 1 sets a plurality of promotion activities corresponding to a promotion activity, for example, related promotion activities of a plurality of products of a certain drug store, such as toothpaste, cosmetics, and hand cream.
  • Various types of coupons such as 5% discount, NT$50 discount or a free exchange for face cream, etc. are set up under the cosmetics promotion items, and then these coupons are distributed to various marketing channels, as explained below.
  • step Z a consumer uses the second reading device 4 to read a display device 5, a paper poster or an electronic billboard , Print billboards or platforms 6, social networking sites (such as Facebook, IG, Weibo, YouTube) and other electronic or non-electronic marketing channels or the videos, advertisements or barcodes of advertisements contained in the videos, such as : Connect to a coupon platform (see FIG. 4A) or the coupon itself such as a QR code (please refer to FIG. 2A and FIG. 4B) to obtain a coupon.
  • a coupon platform see FIG. 4A
  • the coupon itself please refer to FIG. 2A and FIG. 4B
  • the display device 5 includes a piece of marketing information, and the marketing information may be a text description, a picture, a movie, or a sound related to the (etc.) barcode.
  • the display device 5 includes the marketing information of a large-scale restaurant chain, such as new dishes with text descriptions, pictures, movies, or sounds of the promotion plan.
  • the display device 5 also includes information related to the promotion plan.
  • the QR code of the coupon such as a special meal discount, a two-person set meal discount, etc., can be read by the consumer through the second reading device 4 such as a QR code reading program of a smart phone, a tablet computer, etc.
  • the public coupon is a type of coupon that anyone can obtain.
  • the marketing information may be coupons that are not directly related to the network connection(s).
  • the marketing information is an introduction of the latest insurance policy of an insurance company, and the QR code corresponding to the display device 5, a paper poster or an electronic billboard or a print billboard 6 etc. corresponds to a coupon such as free health
  • personal coupons that are not directly related to the marketing information, such as inspections, dining discounts, shopping discounts in shopping malls, discounts on air tickets, etc.
  • personal coupons are coupons that can only be used by specific users, such as : Use user ID (user ID, E-mail, mobile phone, etc.) as the standard for distinction.
  • the network connection (QR code) connected to the coupon of the present invention can also be provided to consumers by marketers via e-mail and mobile phones, especially for some high-value products Personal coupons such as coupons for mobile phones, laptops, air tickets, etc. Please refer to Figure 2A and Figure 2B.
  • the coupon of the present invention includes a QR code, store/product picture, promotion name, discount type, discount percentage or discount amount, use date, remarks column, keyword field, etc.
  • the QR code includes a coupon identifier (information). If the coupon has already been redeemed, the QR code will be covered with the redeemed label.
  • the present invention can generate a Referral coupon, which means that the coupon of the present invention can be recommended by one user to another user, and the coupon of the present invention can be added to multiple The flexibility of circulation among users; or, users can recommend coupons to new users in a way similar to brand endorsements (such as the way that Internet celebrities recommend certain coupons, etc.).
  • the present invention is designed to It is determined that consumers need to obtain the activation password sent to their personal mobile phone or e-mail to activate the multiple authentication method of the coupon, so as to increase the security of the coupons used for high-value products.
  • the first reading device 2 located in a physical store or an online store reads the aforementioned QR code on the coupon corresponding to the merchant to obtain the coupon identifier, and transfer the discount
  • the coupon identifier is transmitted to the intermediary device 1.
  • the coupon identifier is a unique combination of several digits and words.
  • the intermediary device 1 corresponds to, maps or converts the coupon identifier into a coupon redemption information. This conversion can be performed by setting the corresponding data in the intermediary device 1 in advance or corresponding to the relevant data online in real time. .
  • the coupon redemption information includes verification information, transaction information, or coupon source information
  • the verification information includes: promotional activity identifier (promotional activity ID), promotion name, coupon name, coupon identifier, and coupon Use/update date, coupon activation status, consumer identifier (user ID, E-mail, mobile phone number), key value pairing, discount content, merchant identifier (MID), store identifier (store ID), product/service identifier and its maximum/minimum times of redemption, etc.
  • promotional activity identifier promotional activity ID
  • promotion name promotion name
  • coupon name coupon name
  • coupon identifier coupon Use/update date
  • coupon activation status coupon activation status
  • consumer identifier user ID, E-mail, mobile phone number
  • key value pairing discount content
  • merchant identifier MID
  • store identifier store ID
  • product/service identifier and its maximum/minimum times of redemption, etc.
  • the coupon source information is where the consumer obtains the coupon and the coupon source information corresponds to the display device 5.
  • the transaction information includes the amount of money to be paid to the merchant based on the discount ratio or amount, exchange rate of the day, etc., that is, the actual amount corresponding to the coupon.
  • the present invention considers the issue of security, and the coupon itself only includes the coupon identifier.
  • the present invention can also readjust the verification information, the transaction information, or the coupon source information to be allocated to the coupons according to the situation, such as system performance, etc., all within the scope of the present invention.
  • the intermediary device 1 verifies whether the verification information is valid, including verifying whether the aforementioned information, such as the effective date, whether it is activated, or whether it has been used, is completely consistent with the aforementioned setting, which will not be repeated here.
  • step B if the intermediary device 1 uses the authorization information to verify that the verification information is valid, that is, all the verification information mentioned above meets the preset information, conditions, etc., for example, the consumer is in a coupon Corresponding redemption store redemption coupons, etc., indicate that the coupons can be used normally, then in step C, the intermediary device 1 converts the transaction information into payment information, the payment information includes the specific corresponding to the merchant The virtual credit card number and the payment corresponding to the coupon, and the payment information is transmitted to the card issuer 3 for verification. Therefore, it can be seen from the foregoing content that the coupon identifier corresponds to each information in the foregoing coupon redemption information.
  • the coupons of the present invention can be used to know from which channels consumers (Including from which type of marketing information, social networking sites or advertisements in marketing videos, etc.) know which promotional activities to obtain coupons to start, and then to which storefront (physical storefront, online storefront) In which specific store (restaurant, drugstore, department store, etc.) in the redemption, the present invention can effectively grasp all the details from the marketing medium (the acquisition of coupons) to the consumer redemption of coupons, and Marketing and consumption are linked together.
  • the verification information includes the user identifier (ID) of the shared person, so as to track which consumer recommends For which consumer, the coupon identifier of the coupon to be shared will also be updated simultaneously.
  • the content of the coupon redemption information such as the verification information will also be updated , Thereby increasing the overall security of the coupon of the present invention.
  • the step A further includes a step A1.
  • the intermediary device 1 converts, maps, or maps the coupon identifier into the coupon redemption information.
  • the step C further includes that if the intermediary device 1 verifies that the verification information is valid, the intermediary device 1 converts the transaction information into the payment information including the virtual credit card number, and transmits the payment information to the acquirer 32.
  • the acquirer 32 transmits the virtual credit card number and the payment to the authenticator 33, and the authenticator 33 transmits the virtual credit card number to the issuer 31 for verification, and verifies its corresponding original credit card number (RCN), thereby Confirm whether the virtual credit card number is correct.
  • the step C further includes a step C1.
  • step C1 if the issuer 31 is successfully verified, then a payment confirmation message is sent to the acquirer 32, so that the acquirer 32 will make the payment according to the merchant identifier Allocate funds to the merchant, and complete the entire coupon allocation steps of the present invention.
  • the method and system of the present invention are planned in accordance with an application programming interface (RESTful application programming interface/API) architecture, and therefore can be effectively compatible with various interfaces of most current payment/money flow systems.
  • the present invention can save the erection, maintenance and management of servers necessary in current program development, and can be effectively incorporated into servers of existing systems of various manufacturers (such as APPs of IOS or Android systems).
  • the method and system of the present invention can effectively select the appropriate partner merchants according to the budget size and the consumption habits of the target consumers in "real time" to initiate promotional activities in real time, including the setting of promotional activities, Coupon settings for promotional items. Furthermore, through the automated coupon appropriation process based on cloud storage (API architecture) for the generation, distribution, activation and redemption of coupons to obtain consumer consumption habits data such as tracking consumer responses to advertisements and discounts Coupon acquisition path and the relevant data of the redemption to obtain consumer behavior data. Finally, conduct data analysis of marketing activities, and formulate new marketing strategies, gain consumers' overall vision, promote lifetime value (Lifetime Value) and enhance deeper marketing insights.
  • API architecture cloud storage
  • the data obtained through the system of the present invention can be used for descriptive analysis, that is, to view all events that occur in marketing activities and coupon redemption services. For example, how the frequency of advertising and different channels affect the number of transactions per user of each campaign; diagnostic analysis, that is, understanding why certain events occur, such as the impact of advertising behavior on sales.
  • customer surveys the present invention applies existing market surveys to the analysis of data generated by the method and system of the present invention, so that marketers can not only track customer intentions, but also track actual purchase behaviors.
  • the method and system of the present invention can help marketers test the needs of specific consumers, and by combining the marketing obtained by data analysis with the real content of the coupons, help achieve the desired goal.
  • the present invention has the following advantages:
  • the present invention can effectively set a reasonable budget and target consumers to launch promotions for different merchants in "real time” and provide coupons of different types and contents.
  • the credit card number corresponds to different merchants, and the funds corresponding to the coupons are effectively allocated to different merchants (B2B), and the merchants no longer need to advance in advance.
  • the VCN payment of the present invention can reduce the complexity of financial compliance and other related matters, and help realize zero waste.
  • the coupon issuing party no longer needs to pay in advance, and the merchant can immediately obtain payment authorization through the virtual credit card (VCN) set by the present invention when consumers redeem the coupon, and obtain payment in a few days.
  • VCN virtual credit card
  • the VCN payment solution can not only simplify risk management and reduce overall operating costs, but also enhance the management of the entire coupon redemption process.
  • the present invention is based on the API programming language to structure the system of the present invention.
  • the system of the present invention can be effectively and directly integrated into most of the current electronic payment architectures without resetting the APP-specific server.
  • the present invention can be connected to marketing information and even consumer behavior of advertising campaign performance in real time.
  • marketers can track all the details of the coupons obtained by users (whether through online advertisements, Facebook, physical magazines or barcodes from other channels), until what coupons are when, how and where Where is it used.
  • the present invention can provide recommended coupons, allowing consumers to recommend, advertise and share coupons on behalf of a certain brand.
  • the present invention can not only track which consumer recommends, promote and share with which consumer, but also accurately measure CPT (per Transaction cost) and set the best issuance strategy for a certain coupon, such as personal, public or recommended.
  • the method and system of the present invention can effectively track consumers' redemption behavior after viewing marketing information and obtaining coupons, so that marketers can effectively track consumers' responses to marketing information, such as the channels and redemptions of coupons obtained Data on the current situation, and data on consumer consumption habits for big data analysis, so as to achieve unpredictable technical effects such as formulating new marketing strategies, gaining consumers’ overall vision, promoting lifetime value and enhancing deeper marketing insights .

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Abstract

一种将交易码结构转换成付款信息的方法与系统，该方法包括一步骤A、一步骤B与一步骤C。于该步骤A中，由一第一读取装置读取一交易码结构，获得一信息。于该步骤B中，藉由一授权信息验证该信息。于该步骤C中，藉由该授权信息取得与该交易码结构相对应的付款信息。该系统包括一中介装置（1）以及一第一读取装置（2）。

Description

将交易码结构转换成付款信息的方法与系统 技术领域
本发明关于一种将交易码结构转换成付款信息的方法与系统，尤指一种将显示于各种电子装置或实体平面的优惠券于消费者进行消费时，能将优惠券所对应的折扣比例、折扣款项、特定商品或特定服务的金额拨款给商家方的账户的方法与系统。
背景技术
对于发放优惠券方而言，于发放传统的纸本优惠券时，通常需将所有纸本优惠券所对应的金额先全数付清给销售方。接着，当消费者使用优惠券后，负责销售的商家再将已经使用的优惠券寄回给发行优惠券的商家进行确认。如此的做法需要两边的商家(发放优惠券方与销售方)长期的核对是否确实将优惠券抵用、折扣金额是否正确无误以及优惠券是否过期等。另一方面，对于发放优惠券方而言，若是优惠券的发行量大，相当于事先要付出大笔成本且不确定是否有真正抵用的风险；即使是以对销售方按月结清的方式，当优惠券所对应的相异商品种类一多、或是当月优惠券抵用的数量暴增时，对于两方所耗费的人力与时间成本更是难以想象且还不保证不会出错。再，若优惠券有特定的使用条件如使用期限、针对特定会员、超过某一商品购买数才能使用等的特殊条件限制时，同样的，对销售方会消耗许多时间成本与人力于核对方面。再，另一方面，现有的电子优惠券如以序号的方式进行抵用者仅能掌握消费者抵用时的纪录，对于消费者从那个渠道获得优惠券、诱发消费者使用此优惠券购买产品与服务等的动机如看过哪一则在线广告、文宣或好也介绍等才决定使用优惠券等细节则完全一无所知。
更进一步地，于营销的层面来看，营销公司花了大幅的成本拍摄了广告、发行了各种与广告的品牌、商标相关的各种产品，但对于制作多个于各种不同平面如纸本、海报、广告影片、社群网站的图片的各种广告的公关广告人员而言，当各种产品的销量提升、减少或持平时，并无法知道是哪一则广告、哪一个平台上的广告或哪一种类行的广告造成了营销优势；消费者从哪一个渠道(何种广告、何种平台或平面媒体等)取得优惠券、在哪里抵用优惠券，现有广告 等营销信息本身与优惠券两者无法有所关联，导致公关、营销、广告产业长年以来有许多多余的支出与浪费。另外，因为优惠券的使用与观看广告等营销信息两者不是彼此直接对应的，因此，现今在社群网站、社群影片网站上所播放的广告如影片、图片等的点击率并无法有效反映消费者的实际购买行为，甚至，点击率是可以用人为的方式提升的，无法有效反映消费者实际的行为。
此外，由于现今各样的社群网站不断的发展，营销人员的角色正在从传统的广告制作主转变为有关营销信息的实时参与者。营销人员需要使用数据分析而对的客户进行追踪，拟定合理的营销策略以及实时针对其广告等营销信息进行定位，传统的纸本与电子优惠券显然已无法跟上如此的趋势。
因此，为克服前述问题，遂有本发明的产生。
发明内容
本发明的目的在于提供一种将交易码结构转换成付款信息的方法与系统，其为一种B2B(business-to-business/商家方间通过电子商务的各种方式进行交易)的交易模式，藉以解决现有的优惠券无法快速抵用、优惠券的使用无法有效与营销信息有效结合以及无从得知消费者从何渠道取得优惠券等的问题，而达到将优惠券所对应的款项拨款给所属商家方且所属商家方不用事先付款、有效得知何种广告促使消费者抵用某一优惠券、得知消费者从何渠道取得优惠券的多种大数据信息，作为日后广告营销策略拟定的参考。
为达前述目的，本发明提供一种将交易码结构转换成付款信息的方法，其包括以下步骤：一步骤A、一步骤B以及一步骤C。于该步骤A中，由一第一读取装置读取一交易码结构，获得一信息。于该步骤B中，藉由一授权信息验证该信息。于该步骤C中，藉由该授权信息取得与该交易码结构相对应的付款信息。
在一实施例中，其中该交易码结构是一对应于一商家方的优惠券的一优惠券标识符；其中该步骤A更包括：以该第一读取装置读取该优惠券标识符，并将该优惠券标识符传输至一中介装置，其中该中介装置储存有该授权信息；其中该信息是一优惠券兑换信息，该优惠券兑换信息包括一验证信息与一交易信息；其中该步骤B包括：藉由该授权信息验证该验证信息是否有效；其中该步骤C更包括：若该验证信息有效，则藉由该授权信息将该交易信息转换成一付 款信息，而该付款信息供传输至一发卡方进行验证，若该发卡方验证成功，则将该优惠券所对应的款项拨款至该商家方。
在一实施例中，其中于该步骤C中的该付款信息是包括多个虚拟信用卡卡号中之一者；其中该多个虚拟信用卡卡号是对应多个商家方且该多个商家方是对应多个优惠券；其中该步骤A中的该商家方是该多个商家方中之一者且该步骤A中的该优惠券是该多个优惠券中之一者。
在一实施例中，其中于该步骤A前更包括一步骤X1。于该步骤X1中，将经由一发卡方从一原始信用卡卡号转换而得的多个虚拟信用卡卡号传输至该中介装置储存，并使该多个虚拟信用卡卡号与多个优惠券分别对应多个商家方。
于一实施例中，其中于该步骤A前更包括一步骤Z，于该步骤Z中，一消费者以一第二读取装置读取一显示设备上的条形码而获得一优惠券，其中该显示设备包括一营销信息。
在另一实施例中，其中该交易信息更包括该优惠券所对应的款项；其中该优惠券兑换信息更包括一优惠券来源信息，该优惠券来源信息是相对应于该显示设备。
本发明提供一种将交易码结构转换成付款信息的系统，其包括一中介装置、一第一读取装置。该第一读取装置供读取一交易码结构以获得一信息。该中介装置，其供储存一授权信息，该授权信息包括多个授权账户，该多个授权账户是与该交易码结构相关联，且该中介装置配置为以一授权账户验证该信息，且该中介装置藉由该授权账户取得与该交易码结构相对应的付款信息。
实施时，其中该交易码结构系为一对应于一商家方的优惠券的一优惠券标识符；其中该中介装置供接收来自该第一读取装置所读取的该优惠券标识符；其中该信息为一优惠券兑换信息，该优惠券兑换信息包括一验证信息与一交易信息；该中介装置供藉由该授权账户验证该验证信息是否有效，若该验证信息有效，则该中介装置藉由该授权账户将该交易信息转换成一付款信息，并将该付款信息传输至一发卡方进行验证，若该发卡方验证成功，则将该优惠券所对应的款项拨款至该商家方。
实施时，其中该付款信息是包括多个虚拟信用卡卡号中之一者；其中该多个虚拟信用卡卡号是对应多个商家方且该多个商家方是对应多个优惠券，其中该商家方是该多个商家方中之一者且该优惠券是该多个优惠券中之一者。
实施时，其中该中介装置更供接收经由一发卡方从一原始信用卡卡号转换 而得的多个虚拟信用卡卡号；其中该中介装置更配置为将该多个虚拟信用卡卡号与多个优惠券分别对应多个商家方。
实施时，该系统更包括一显示设备，其显示一营销信息与一条形码，其中该条形码供该消费者以一第二读取装置进行读取而使该消费者获得该优惠券。
实施时，其中该交易信息更包括该优惠券所对应的款项；其中该优惠券兑换信息更包括一优惠券来源信息，该优惠券来源信息是相对应于该显示设备。
附图说明
图1为本发明的将交易码结构转换成付款信息的方法与系统的实施例的示意图。
图2A、图2B为本发明的将交易码结构转换成付款信息的方法与系统的实施例的示意图。
图3为本发明的将交易码结构转换成付款信息的方法的实施例的流程图。
图4A、图4B为本发明的将交易码结构转换成付款信息的方法与系统的实施例的示意图。
图5A、图5B为本发明的将交易码结构转换成付款信息的方法与系统的实施例的示意图。
图6为本发明的将交易码结构转换成付款信息的系统的实施例的示意图。
图7为本发明的将交易码结构转换成付款信息的方法与系统的运作模式的示意图。
附图标记说明：1-中介装置；2-第一读取装置；3-发卡方；31-发行方；32-收单方；33-认证方；4-第二读取装置；5-显示设备；6-纸本海报、电子广告牌、平面广告牌或平台。
具体实施方式
请参考图6，本发明公开了一种将交易码结构转换成付款信息的系统，其包括一中介装置1、一第一读取装置2、一发卡方3、一第二读取装置4，该发卡方3包括一发行方31、一收单方32一认证方33。该中介装置1供接收来自该第一读取装置2所读取的的对应于一商家方的优惠券(或，以芯片、磁带等形式的各种对象)而获得一交易码结构(例如，于以下实施例，一优惠券标识符)， 以获得一信息。该中介装置1供将该优惠券标识符转换、映像或对应成该信息(例如，于以下实施例，一优惠券兑换信息)，其中该优惠券兑换信息包括一验证信息与一交易信息。该中介装置1经配置供储存一授权信息，该授权信息包括多个授权账户(authorization account)，该多个授权账户是与该交易码结构相关联；且该中介装置1配置为以一授权账户验证该信息，且该中介装置1藉由该授权账户取得与该交易码结构相对应的付款信息。该中介装置1藉由该授权账户验证该验证信息是否有效，若该中介装置1验证该验证信息有效，则该中介装置1将该交易信息转换成一付款信息，并将该付款信息传输至该发卡方3进行验证，若该发卡方3验证成功，则将该优惠券所对应的款项拨款至该商家方。
请参考图3，本发明另公开一种将优惠券所对应的款项拨款给商家方的方法，其包括：
步骤A：由该第一读取装置2读取该交易码结构，获得该信息；
步骤B：藉由该授权信息验证该信息；
步骤C：藉由该授权信息取得与该交易码结构相对应的付款信息。
以下将详述本发明的方法与系统。首先，于该步骤A前更包括：于步骤X1中，该发行方31提供一经注册于该发行方31的原始信用卡卡号(Real Card Number/RCN)与信用额度(credit facility)至该中介装置1。在一实施例中，该中介装置1是一平台(platform)或服务器(server)。该发行方31(Issuer)是一金融单位如银行等；该认证方是信用卡认证中心(Institute for Certification of Computer Profession)如VISA、Master Card等；本发明于后文所提的收单方(Acquirer)为收单机构如一般银行等。接着，该认证方33将该原始信用卡卡号转换成多个虚拟信用卡卡号(Virtual Card Number/VCN)，并将该多个虚拟信用卡卡号传输至该中介装置1储存。在一实施例中，该多个虚拟信用卡卡号是可储存于该授权账户中。本发明的虚拟信用卡卡号是为动态变动式的虚拟信用卡卡号(Dynamic VCN)，该多个虚拟信用卡卡号中的每一者皆为随机产生。此外，为确保虚拟信用卡卡号中的每一者的安全性，在一实施例中，本发明的虚拟信用卡卡号中的每一者皆不会透露给商家与消费者等。再，将该多个虚拟信用卡卡号与多个优惠券分别设定为对应多个商家方。换言之，本发明可以多个虚拟信用卡卡号的相异者来区分对应于不同商家的优惠券兑换时所对应的款项的支付。在一实施例中，本发明的虚拟信用卡卡号与商家方是「一对一」的 对应。在另一实施例中，本发明的虚拟信用卡卡号也可与商家方及其子商家方「一对多」、「多对一」对应。在另一实施例中，一个品牌有多个实体或在线商店，但每个实体或在线商店属于不同的法人实体(即，具有不同的银行账户)，在此实施例中每个商店需设定不同的商家方标识符(MID)，意即，前述每个商店将对应有不同的VCN(由于相异的MID)。例如，百货公司里面具有多个不同品牌的实体店家，由于优惠券抵用时的拨款是至不同的商家方的账户，所以不同品牌的实体店家会对应不同的VCN；或，一在线电商平台其中有不同的在线商店也是如此实施。本发明利用多组虚拟信用卡卡号分别对应相异的商家方(含其子商家或不含其子商家的情况)，而多组虚拟信用卡卡号则是对应一实体信用卡卡号，藉此解决现有的优惠券因着需由多个不同商家方付款而产生的前述技术问题。换言之，只需有一家公司行号具有良好的信用额度与忠诚度(Loyalty)，就可以替多个不同商家以对应多个虚拟信用卡卡号的实体信用卡卡号进行付款与相关的管理。再，其中该收单方32包括多个商家方标识符，该多个商家方标识符(MID)是对应该多个商家方，供该收单方32辨识各个商家方以供后续拨款步骤之用。当前述步骤皆完成之后，该中介装置1设定一促销活动所对应的多个促销活动项目，例如，某一药妆店的多个产品如牙膏、化妆品、护手霜的有关促销活动项目。化妆品促销活动项目底下设置多种类型的优惠券例如折扣5％、折扣台币50元或一免费兑换面霜等，之后将该等优惠券分配至各个营销渠道，说明如后。
接着，请参考图1，于该步骤A前更包括一步骤Z，于该步骤Z中，一消费者以该第二读取装置4读取一显示设备5、一纸本海报或电子广告牌、平面广告牌或平台6、社群网站(如脸书、IG、微博、YouTube)等电子或非电子的营销渠道上或其发布的影片、广告或影片所内含广告的条形码等，例如：如QR码(QR code)而连接至一优惠券平台(请参考图4A所示)或优惠券本身而获得一优惠券(请参考图2A、图4B所示)。该显示设备5包括一营销信息，该营销信息可以是与该(等)条形码相关的文字描述、图片、影片或声音等。例如，在一实施例中，该显示设备5是包括某大型连锁餐饮的营销信息如新的菜色以促销方案的文字描述、图片、影片或声音等，该显示设备5也包括与此促销方案相关的优惠券的QR码如特定餐点优惠、双人套餐优惠等，让该消费者可以经由该第二读取装置4如智能型手机、平板计算机等的QR码读取程序等进行读取而获得此种大众型(Public)优惠券，大众型优惠券为任何人可以取得的优 惠券类型。在另一实施例中，该营销信息可以是与该(等)网络连接非直接相关的优惠券。例如，该营销信息是一保险公司的最新保单介绍，而该显示设备5、纸本海报或电子广告牌或平面广告牌6等所条列的QR码等所对应的优惠券则是如免费健康检查、用餐优惠、商场购物折抵、机票折抵等与该(等)营销信息非直接相关的个人型(Personal)优惠券，个人型优惠券是特定的使用者方能使用的优惠券，例如：以使用者ID(user ID、E-mail或手机等)作为区分的标准。在另一实施例中，如图1所示，连接至本发明的优惠券的网络连接(QR码)也可以由营销人员经由电子信箱、手机而提供给消费者，特别是关于一些高价值产品的个人型优惠券如手机、笔电、机票等的优惠券。请参考图2A、图2B，本发明的优惠券是包括一QR码、店家/商品图片、促销活动名称、折扣类型、折扣比例或折扣金额、使用日期、备注栏、关键词字段等。该QR码包括一优惠券标识符(信息)。若优惠券已经被抵用过，则该QR码上会被覆盖有已兑换的标签。在另一实施例中，本发明是可产生一推荐型(Referral)优惠券，意即，本发明的优惠券可由一使用者推荐给另一使用者，而增加本发明的优惠券于多个使用者间的流通上的弹性；或，使用者可以类似品牌代言的方式(如网红、网络名人推荐某种优惠券等的方式)将优惠券推荐给新用户。
此外，请参考图5A、图5B，为了安全性的考虑，当消费者要抵用前述对应高价值产品的优惠券如手机、笔电、机票等高价值品的优惠券时，本发明是设定为消费者需取得发送至个人手机或电子信箱的激活密码以激活优惠券的多重认证的方式，藉以增加抵用高价值产品的优惠券的安全性。
再，于该步骤A中，位于一实体店家或在线店家的该第一读取装置2读取对应于该商家方的优惠券上的前述QR码而获得该优惠券标识符，并将该优惠券标识符传输至该中介装置1。该优惠券标识符是一组唯一的数个位数的数字、文字的组合。再，该中介装置1将该优惠券标识符对应、映射或转换成一优惠券兑换信息，此转换可以事先于该中介装置1中设定好相对应的数据或于在线实时对应有关数据而进行转换。该优惠券兑换信息包括一验证信息、一交易信息或一优惠券来源信息，该验证信息包括：促销活动标识符(促销活动ID)、促销活动名称、优惠券名称、优惠券标识符、优惠券使用/更新日期、优惠券激活状态、消费者标识符(使用者ID、E-mail、手机号码)、密钥值配对、折扣内容、商家方标识符(MID)、抵用商店标识符(store ID)、商品/服务标识符及其最高/最低抵用次数等，该优惠券来源信息是该消费者是于何处取得优惠券且 该优惠券来源信息是相对应于该显示设备5、该纸本海报或电子广告牌、平面广告牌或平台6的信息，藉以让本发明的系统获取如该优惠券是从何渠道(如：哪一则广告中的优惠券条形码)取得、谁在使用、由谁推荐、在哪个商店抵用什么产品等从营销、交易至拨款的所有细节。该交易信息包括根据折扣比例或金额、当日汇率等所换算而得的要支付给该商家方的款项金额，即，该优惠券所对应的实际款项。换言之，本发明考虑到安全性的问题，该优惠券本身仅包括该优惠券标识符。当然，在其他实施例中，本发明也可以视情况如系统效能等将该验证信息、该交易信息或该优惠券来源信息重新调整而分配于优惠券中，皆在本发明的范围内。接着，该中介装置1验证该验证信息是否有效，包括验证前述的信息如有效日期、是否激活或是否已经抵用等是否与前述所设定者完全一致，在此不赘述。在另一实施例中，也可以仅验证前述优惠券标识符与该中介装置1所设定者是否一致即可，藉以增进系统效能。于该步骤B中，若该中介装置1藉由该授权信息验证该验证信息有效，即，前述所提的所有验证信息都与预设的信息、条件等符合，例如，消费者在优惠券所对应的抵用商店抵用优惠券等，表示优惠券可以正常使用，则于该步骤C中，该中介装置1将该交易信息转换成一付款信息，该付款信息是包括该商家方所对应的特定虚拟信用卡卡号与该优惠券所对应的款项，而将该付款信息传输至该发卡方3进行验证。所以，由前述内容可知，由于该优惠券标识符是与前述优惠券兑换信息中的每一信息对应，因此，如前所述，可经由本发明的优惠券得知从消费者从何种渠道(包括从哪一种类型的营销信息、社群网站的连接或营销影片中的广告等)而得知哪一个促销活动而获得优惠券开始，然后到哪一种店面(实体店面、在线店面)中的哪一个特定店面(餐厅、药妆店、百货公司等)进行抵用，本发明可以有效掌握从营销媒介(优惠券的取得)到消费者抵用优惠券的过程中的所有细节，将营销与消费两者串联起来。再，于该步骤C中，若该发卡方3验证成功，即，此笔交易(transaction)成立，则将该优惠券所对应的款项于几个工作天后拨款至该商家方，而达到将优惠券所对应的款项拨款给该商家方的技术效果(B2B)。在另一实施例中，当消费者A分享该推荐型优惠券给消费者B时，该验证信息会包括被分享者的使用者标识符(ID)的信息，藉以追踪是哪位消费者推荐给哪位消费者，而该被分享优惠券的优惠券标识符也会同步更新。在另一实施例中，当消费者A分享该推荐型优惠券给消费者B时，除了优惠券标识符会同步更新外，该优惠券兑换信息的内容如该等验证信息也会一 并更新，藉以增加本发明的优惠券的整体安全性。
再，于另一实施例中，请参考图6，该步骤A中更包括一步骤A1。于该步骤A1中，如前所述，该中介装置1将该优惠券标识符转换、映射或对应成该优惠券兑换信息。于该步骤C中更包括，若该中介装置1验证该验证信息有效，则该中介装置1将该交易信息转换成包括该虚拟信用卡卡号的该付款信息，且将该付款信息传输至该收单方32。该收单方32将该虚拟信用卡卡号及该款项传输至该认证方33，该认证方33将该虚拟信用卡卡号传输至该发行方31进行验证，验证其所对应的原始信用卡卡号(RCN)，藉以确认该虚拟信用卡卡号是否正确。而该步骤C更包括一步骤C1，于该步骤C1中，若该发行方31验证成功，则发送一确认付款信息至该收单方32，使该收单方32将该款项根据该商家方标识符拨款给该商家方，而完成本发明整个优惠券拨款的步骤。
此外，本发明的方法与系统是以符合应用程序编程接口(RESTful application programming interface/API)的架构进行规划，因此可以有效兼容于现今大部分的支付/金流系统的各种接口。换言之，本发明可以省去现今程序开发中所必须的服务器的架设、维护与管理，而可以有效并入各个厂商现有系统(如IOS或Android系统的APP)的服务器中。
请参考图7，首先，本发明的方法与系统是能「实时」根据预算大小与目标消费者的消费习惯有效选择合适的合作商家方而实时进行促销活动的发起，包括促销活动项目设定、促销活动项目的优惠券设定。再，藉由以云端储存为基础的自动化优惠券拨款流程(以API架构)进行优惠券的产生、分配、激活与抵用而获得消费者的消费习惯数据如追踪消费者对于广告的反应、优惠券取得路径与抵用的相关数据而获得消费者的消费行为数据。最后，进行营销活动数据分析，而拟定新的营销策略、获得消费者的整体视野、促进终身价值(Lifetime Value)并提升更深入的营销洞察力。
此外，经由本发明的系统所取得的数据可进行如描述性分析，即，查看营销活动与优惠券抵用业务中发生的所有事情。例如，广告发布频率和不同渠道如何影响每个广告系列的每位用户的交易(transaction)次数；诊断分析，即，了解某些事件为什么会发生，如广告发布行为对销售量的影响。于客户调查方面，本发明将现有的市场调查应用于本发明的方法与系统所产生的数据的分析，使营销人员不仅能够追踪客户意图，还能追踪实际购买行为。本发明的方法与系统可以帮助营销人员测试特定消费者的需求，并通过将数据分析所得的营销 与优惠券抵用的真实内容相结合，来帮助实现所需达成目标。于人工智能方面，经由本发明收集的所有数据，营销人员可以进行消费者与市场发展的预测，使用历史数据来预测未来可能的结果。例如，通过使用无监督机器学习(unsupervised machine learning)对客户进行分析，通过回归模型(regression model)预测销售量或客户终身价值(Lifetime Value)，并使用来自自动化调查系统(automated survey system)的评论和评级(ratings)来进行产品情绪分析(product sentiment analysis)。
因此，本发明具有以下的优点：
1.从设置优惠券促销活动开始，本发明可以有效设定合理的预算与目标消费者而针对不同商家方「实时」发起促销活动而提供不同类型、内容的优惠券，藉由将多个虚拟信用卡卡号对应不同的商家方，有效将优惠券所对应的款项拨款给不同的商家方(B2B)，商家方再也不用事先垫款。
2.本发明的VCN支付可降低金融方面的法令遵循等相关事务的复杂性，并有助于实现零浪费。发放优惠券方不再需要提前付款，商家方可以在消费者兑换优惠券时立即通过本发明所设定的虚拟信用卡(VCN)获得付款授权而于几天后获得款项。VCN支付解决方案不仅可以简化风险管理、降低整体运营成本，还可以增强对整个优惠券抵用流程的管理。
3.本发明是以API程序语言架构本发明的系统，换言之，本发明的系统可以有效直接整合在现今大部分的电子支付架构中，不用重新设置APP专属的服务器。
4.本发明经由混合云和Web API，可实时连接至广告系列性能的营销信息甚至消费者行为。营销人员经由本发明的方法与系统可以追踪用户获得优惠券取得的所有细节(无论是通过在线广告、脸书、实体杂志或其他渠道的条形码)、直到什么优惠券券于何时、如何以及在哪里被抵用。
5.本发明可以提供推荐型优惠券，让消费者代表某品牌推荐、宣传与分享优惠券，本发明不仅可以追踪哪个消费者推荐、宣传与分享给哪个消费者，还可以精准衡量CPT(每笔交易成本)而设定对某种优惠券最佳的发放策略如个人型、公开型或推荐型。
6.本发明的方法与系统能够有效将消费者观看营销信息并取得优惠券后的兑换行为整体加以追踪，让营销人员能有效追踪消费者对于营销信息的反应如优惠券取得的渠道与抵用状况的数据，而获得消费者的消费习惯的数据进行大 数据分析，从而达到拟定新的营销策略、获得消费者的整体视野、促进终身价值并提升更深入的营销洞察力的无法预期的技术效果。
以上所述是本发明的具体实施例及所运用的技术手段，根据本文的揭露或教导可衍生推导出许多的变更与修正，若依本发明的构想所作的等效改变，其所产生的作用仍未超出说明书及图式所涵盖的实质精神时，均应视为在本发明的技术范畴之内，合先陈明。

Claims (12)

  1. 一种将交易码结构转换成付款信息的方法，其特征在于，包括以下步骤：
    步骤A：由一第一读取装置读取一交易码结构，获得一信息；
    步骤B：藉由一授权信息验证该信息；
    步骤C：藉由该授权信息取得与该交易码结构相对应的付款信息。
  2. 如权利要求1所述的方法，其特征在于，该交易码结构是一对应于一商家方的优惠券的一优惠券标识符；其中该步骤A更包括：以该第一读取装置读取该优惠券标识符，并将该优惠券标识符传输至一中介装置，其中该中介装置储存有该授权信息；其中该信息是一优惠券兑换信息，该优惠券兑换信息包括一验证信息与一交易信息；其中该步骤B包括：藉由该授权信息验证该验证信息是否有效；其中该步骤C更包括：若该验证信息有效，则藉由该授权信息将该交易信息转换成一付款信息，而该付款信息供传输至一发卡方进行验证，若该发卡方验证成功，则将该优惠券所对应的款项拨款至该商家方。
  3. 如权利要求2所述的方法，其特征在于，于该步骤C中的该付款信息是包括多个虚拟信用卡卡号中之一者；其中该多个虚拟信用卡卡号是对应多个商家方且该多个商家方是对应多个优惠券；其中该步骤A中的该商家方是该多个商家方中之一者且该步骤A中的该优惠券是该多个优惠券中之一者。
  4. 如权利要求3所述的方法，其特征在于，于该步骤A前更包括：
    步骤X1：将经由一发卡方从一原始信用卡卡号转换而得的多个虚拟信用卡卡号传输至该中介装置储存，并使该多个虚拟信用卡卡号与多个优惠券分别对应多个商家方。
  5. 如权利要求2、3或4所述的方法，其特征在于，于该步骤A前更包括：
    步骤Z：一消费者以一第二读取装置读取一显示设备上的条形码而获得一优惠券，其中该显示设备包括一营销信息。
  6. 如权利要求5所述的方法，其特征在于，该交易信息更包括该优惠券所对应的款项；其中该优惠券兑换信息更包括一优惠券来源信息，该优惠券来源信息是相对应于该显示设备。
  7. 一种将交易码结构转换成付款信息的系统，其特征在于，包括：
    一第一读取装置，其供读取一交易码结构以获得一信息；
    一中介装置，其供储存一授权信息，该授权信息包括多个授权账户，该多个授权账户是与该交易码结构相关联，且该中介装置配置为以一授权账户验证 该信息，且该中介装置藉由该授权账户取得与该交易码结构相对应的付款信息。
  8. 如权利要求7所述的系统，其特征在于，该交易码结构为一对应于一商家方的优惠券的一优惠券标识符；其中该中介装置供接收来自该第一读取装置所读取的该优惠券标识符；其中该信息为一优惠券兑换信息，该优惠券兑换信息包括一验证信息与一交易信息；该中介装置供藉由该授权账户验证该验证信息是否有效，若该验证信息有效，则该中介装置藉由该授权账户将该交易信息转换成一付款信息，并将该付款信息传输至一发卡方进行验证，若该发卡方验证成功，则将该优惠券所对应的款项拨款至该商家方。
  9. 如权利要求8所述的系统，其特征在于，该付款信息是包括多个虚拟信用卡卡号中之一者；其中该多个虚拟信用卡卡号是对应多个商家方且该多个商家方是对应多个优惠券，其中该商家方是该多个商家方中之一者且该优惠券是该多个优惠券中之一者。
  10. 如权利要求9所述的系统，其特征在于，该中介装置更供接收经由一发卡方从一原始信用卡卡号转换而得的多个虚拟信用卡卡号；其中该中介装置更配置为将该多个虚拟信用卡卡号与多个优惠券分别对应多个商家方。
  11. 如权利要求8、9或10所述的系统，其特征在于，更包括：
    一显示设备，其显示一营销信息与一条形码，其中该条形码供该消费者以一第二读取装置进行读取而使该消费者获得该优惠券。
  12. 如权利要求11所述的系统，其特征在于，该交易信息更包括该优惠券所对应的款项，其中该优惠券兑换信息更包括一优惠券来源信息，该优惠券来源信息是相对应于该显示设备。
PCT/CN2019/000118 2019-01-18 2019-06-06 将交易码结构转换成付款信息的方法与系统 WO2020146963A1 (zh)

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