TWI657390B - Electronic coupon voucher trading system and method - Google Patents

Abstract

An electronic coupon voucher transaction system includes a gift voucher processing module and a gold flow module. The gift certificate processing module connects the consumer device and the coupon issuer device through the network, and receives the order material corresponding to the electronic coupon from the consumer device. The gold flow module connects the consumer device through the network and receives payment data corresponding to the order material from the consumer device. When the gift certificate processing module determines that the cash flow module has received the payment data, the gift certificate processing module generates a coupon number corresponding to the order material, and transmits the coupon number to the consumer device. When the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the cash flow module to allocate the corresponding coupon amount to the bank account corresponding to the coupon issuer device. In addition, the present invention also provides an electronic coupon transaction method.

Description

Electronic coupon voucher trading system and method

The present invention relates to a transaction system and method, and more particularly to a transaction system and method for an electronic coupon.

In recent years, with the advancement of information technology, digital financial services have gradually flourished, including the electronicization of gift voucher transactions.

At present, if an issuer of an e-voucher wants to issue an e-voucher, it is necessary to deposit an amount in the financial institution as a guarantee for the performance bond; thus, if the consumer purchases the e-voucher from the issuer of the e-voucher, In the case that the e-voucher cannot be used and cannot be compensated from the issuer, the consumer can claim the e-voucher from the financial institution, and the financial institution uses the aforementioned guarantee to compensate the consumer.

However, depositing a deposit in a financial institution in advance is a burden on the issuer of the electronic coupon, and thus the manner in which the performance guarantee is required is not convenient for the issuer of the electronic coupon.

Accordingly, it is an object of the present invention to provide an electronic coupon transaction system that overcomes the shortcomings of the prior art.

Therefore, the electronic coupon voucher transaction system of the present invention is used for the transaction of an electronic coupon voucher corresponding to a voucher amount, the e-voucher transaction system corresponding to a financial institution and including a voucher processing module and a gold flow module.

The coupon processing module is configured to connect a consumer device to a coupon issuer device corresponding to a bank account via a network, and receive a pair of subscription materials for the electronic coupon from the consumer device.

The cash flow module is configured to connect to the consumer device via a network and receive a pair of payment materials that should be ordered from the consumer device.

Wherein, when the gift certificate processing module determines that the payment module has received the payment data, the gift certificate processing module generates a pair of gift certificate serial numbers that should be ordered, and transmits the coupon number to the consumer device.

Wherein, when the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the gold flow module to allocate the coupon amount to the bank account.

Furthermore, it is another object of the present invention to provide an electronic coupon voucher transaction method that overcomes the shortcomings of the prior art.

Thus, the electronic coupon voucher transaction method of the present invention is used for the transaction of an electronic coupon voucher and is implemented by an electronic voucher transaction system corresponding to a financial institution, the electronic coupon voucher transaction system can connect a consumer device and a coupon issuer device via the network. The electronic coupon coupon corresponds to a coupon amount and the coupon issuer device corresponds to a bank account, and the electronic coupon transaction method includes: the electronic coupon transaction system receives a pair of subscription materials for the electronic coupon from the consumer device; the electronic coupon The transaction system receives from the consumer device a pair of payment materials that should order material; the electronic coupon transaction system generates a pair of coupon numbers that should be ordered; the electronic coupon transaction system transmits the coupon number to the consumer device; When the electronic coupon transaction system receives the coupon number from the coupon issuer device, the electronic coupon transaction system allocates the coupon amount to the bank account.

The effect of the present invention is that, by the implementation of the present invention, the gift certificate issuer can be provided to any financial institution without providing a guarantee bond as a performance guarantee in advance.

Referring to FIG. 1, the electronic coupon voucher transaction system 1 of the present invention corresponds to and is managed by a financial institution such as a bank, and includes a coupon processing module 11 and a gold flow module 12, such as a computer server. The gift certificate processing module 11 connects the gold flow module 12 through an intranet, and can connect a consumer device 3 and a coupon issuer device through an external communication network such as an internet or a 4G wireless communication network. 2; and the gold flow module 12 can connect to the consumer device 3 through the external communication network.

The voucher issuer device 2 is, for example, a desktop computer or a tablet computer and corresponds to and managed by a merchant; for example, a restaurant, a sports goods store, a clothing store, and the like.

The consumer device 3 is, for example, a smart phone or tablet and is used by a consumer.

The electronic coupon voucher transaction system 1 of the present invention implements an electronic coupon voucher transaction method, which includes a voucher issue phase shown in FIG. 2 and a coupon voucher verification phase shown in FIG.

Referring to Figure 2, the voucher release phase is detailed below.

In step 41, the coupon processing module 11 provides a coupon purchase website, and the coupon issuer device 2 transmits a coupon application information to the coupon processing module 11 via the coupon purchase website via the operation of the merchant, wherein the coupon certificate The application information includes identification information of the merchant, a product name of the electronic coupon issued by the merchant, a denomination of the electronic coupon, a total amount of the electronic coupon, a bank account number of the merchant, and the electronic coupon can be a cash coupon or a meal coupon. Or redemption voucher. After receiving the coupon application data, the coupon processing module 11 sets a remaining dispensing amount corresponding to the electronic coupon to the total dispensing amount.

Next, in step 42, the consumer device 3 transmits a pair of electronic coupons to the coupon processing module 11 via the first webpage interface provided by the coupon purchase website via the operation of the consumer to confirm the order. An electronic coupon, wherein the order material includes the order quantity of the electronic coupon.

Next, in step 43, the coupon processing module 11 determines whether the coupon amount corresponding to the order material is not greater than the remaining dispensing amount, wherein the coupon amount is the product of the denomination of the electronic coupon and the ordered quantity.

Then, in step 44, after determining that the coupon amount is not greater than the remaining dispensing amount, the coupon processing module 11 provides a second webpage interface to the consumer device 3 through the coupon purchase website, so that the consumer device 3 is The consumer operates to transmit a consumer identification profile to the coupon processing module 11 via the second web interface, wherein the consumer identification profile includes the consumer's name, phone number, email, and the like.

Next, in step 45, the coupon processing module 11 provides a third web interface for indicating the payment method to the consumer device 3 through the coupon purchase website, so that the consumer device 3 transmits the The third web interface transmits a pair of subscription materials and the consumer identification data to the cash flow module 12, wherein the payment data includes the credit card authorization transaction information or third party transaction authorization information of the consumer.

Then, in step 46, the coupon processing module 11 determines whether the payment module 12 has received the payment data. The manner of the determination may be performed by the coupon processing module 11 periodically, for example every five seconds, whether the gold flow module 12 is inquired. The payment data has been received, or the cash flow module 12 can actively notify the coupon processing module 11 that the payment data has been received.

Next, in step 47, after determining that the payment module has received the payment data, the coupon processing module 11 generates the coupon number corresponding to the order quantity and sends the coupon number through the action newsletter or email. The serial number is transmitted to the consumer device 3, and the coupon amount is deducted from the remaining dispensing amount.

For example, the merchant issued an e-voucher with a denomination of 500 yuan through the above method and the total ration amount is 1 million yuan. The merchant can promote the e-voucher through the social network or the home website and provide a link URL of the voucher purchase website to attract the consumer to purchase the e-voucher through the voucher purchase website. In the beginning, the remaining dispensing amount is the total ration amount, that is, one million yuan; after the consumer purchases the electronic coupon, the remaining ration amount decreases the amount of the coupon purchased by the consumer, when the remaining ration When the amount is zero, the e-voucher cannot be purchased, so up to 2,000 of the e-vouchers are simultaneously circulated in the market.

Referring to Figure 3, the coupon verification phase is detailed below.

In step 51, the consumer provides the coupon number of the electronic coupon to the merchant when the merchant consumes; the coupon issuer device 2 transmits the coupon number to the coupon processing module 11 via the operation of the merchant.

Next, in step 52, the coupon processing module 11 increases the amount corresponding to the denomination of the electronic coupon to the remaining dispensing amount, and notifies the golden flow module 12 to pay the amount corresponding to the denomination of the electronic coupon to the bank account corresponding to the merchant. That is to say, after the electronic coupon is written off, the remaining dispensing amount is increased to allow the merchant to continuously issue the electronic coupon.

In particular, by the foregoing electronic coupon voucher transaction method of the present invention, the merchant only needs to apply to the financial institution, that is, the name of the merchant, and issue the electronic coupon certificate through the electronic coupon voucher transaction system 1 provided by the financial institution, the merchant does not You need to develop your own system to issue e-vouchers. In addition, the consumer purchases the electronic coupon voucher through the electronic coupon voucher transaction system 1 and pays the financial institution. If the merchant fails to make the e-voucher unusable, the consumer can directly retrieve the original payment voucher from the financial institution. The money, therefore, the merchant does not need to provide a guarantee or trust as a performance guarantee to any financial institution in advance.

In summary, the electronic coupon voucher transaction system and method of the present invention provides the electronic coupon voucher transaction system by the financial institution, and the e-voucher transaction system receives subscription materials and consumer identification data corresponding to the e-voucher from the consumer device. And paying the information, and transmitting the corresponding coupon number to the consumer device; and when the electronic coupon transaction system receives the coupon number from the coupon issuer device, the electronic coupon transaction system allocates the corresponding coupon amount to the coupon The issuer's corresponding bank account, the coupon issuer does not need to provide a guarantee bond as a performance guarantee in advance or deposit the guarantee money to any financial institution in an instant trust, so the purpose of the present invention can be achieved.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the equivalent equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still The scope of the invention is covered.

1‧‧‧Electronic voucher trading system

11‧‧‧ Gift Voucher Processing Module

12‧‧‧ Gold Flow Module

2‧‧‧Voucher issuer device

3‧‧‧ consumer devices

41~47‧‧‧Steps

51~52‧‧‧Steps

Other features and advantages of the present invention will be apparent from the embodiments of the present invention, wherein: FIG. 1 is a block diagram illustrating an electronic coupon transaction system of the present invention; FIG. 2 is a flow chart illustrating the electronic A coupon issuing phase of the coupon transaction method; and FIG. 3 is a flow chart illustrating a coupon issuing phase of the electronic coupon transaction method of the present invention.

Claims (10)

An electronic coupon voucher transaction system for an electronic coupon voucher corresponding to a voucher amount, the e-voucher transaction system being managed by a financial institution, the e-voucher transaction system comprising: a voucher processing module for transmitting Networking a consumer device with a coupon issuer device corresponding to a bank account, and receiving, from the coupon issuer device, a coupon application data containing a total amount of the electronic coupon, and receiving a gift from the consumer device a subscription material corresponding to the electronic coupon, wherein the coupon issuer device corresponds to a remaining dispensing amount; and a cash flow module for connecting the consumer device via the network and receiving a payment for the subscription information from the consumer device Data; wherein, after the coupon processing module receives the coupon application data, setting the remaining dispensing amount corresponding to the electronic coupon to the total dispensing amount; wherein, when the coupon processing module determines that the golden flow module has received When the fee is paid, the coupon processing module generates a pair of coupon numbers that should be ordered. Transmitting the coupon number to the consumer device; wherein, when the coupon processing module receives the coupon number from the coupon issuer device, the coupon processing module notifies the cash flow module to allocate the coupon amount to the bank account . The electronic coupon voucher transaction system of claim 1, the gift voucher processing module determines, according to the order material, that the voucher amount is not greater than the remaining distribution gold The payment instruction information of the pair of subscription materials is transmitted to the consumer device, so that the consumer device transmits the payment data to the cash flow module. The electronic coupon voucher transaction system of claim 2, wherein the coupon processing module deducts the coupon amount from the remaining dispensing amount after transmitting the coupon number to the consumer device, and the coupon processing module issues the coupon certificate After receiving the coupon number, the device increases the coupon amount to the remaining dispensing amount. The electronic coupon voucher transaction system of claim 1, wherein the payment profile comprises a credit card authorization transaction information. The electronic coupon voucher transaction system of claim 1, wherein the payment profile comprises a third party transaction authorization information. An electronic coupon voucher transaction method for an electronic coupon voucher transaction and implemented by an electronic voucher transaction system managed by a financial institution, the electronic coupon voucher transaction system being capable of connecting a consumer device and a coupon issuer device via a network. The electronic coupon coupon corresponds to a coupon amount and the coupon issuer device corresponds to a bank account, the coupon issuer device corresponds to a remaining dispense amount, and the electronic coupon transaction method includes: the electronic coupon transaction system receives a coupon from the coupon issuer device a coupon application information including a total amount of the electronic coupon; the electronic coupon transaction system receives a pair of subscription materials for the electronic coupon from the consumer device; The electronic coupon voucher transaction system receives a pair of payment materials for ordering materials from the consumer device; and after receiving the coupon certificate application data, the electronic coupon voucher transaction system sets the remaining distribution amount corresponding to the electronic coupon to be the total distribution amount; The electronic coupon voucher transaction system generates a pair of voucher serial numbers that should be ordered; the electronic voucher transaction system transmits the voucher serial number to the consumer device; and when the electronic coupon voucher transaction system receives the coupon number from the voucher issuer device The electronic coupon voucher transaction system allocates the amount of the voucher to the bank account. The electronic coupon voucher transaction method according to claim 6, wherein the electronic coupon voucher transaction system transmits a payment instruction information of a pair of subscription materials to the consumer device after determining that the coupon amount is not greater than the remaining distribution amount according to the subscription material. So that the consumer device transmits the payment data to the electronic coupon transaction system. The electronic coupon voucher transaction method of claim 7, wherein the electronic coupon voucher transaction system deducts the coupon amount from the remaining dispensing amount after transmitting the coupon number to the consumer device, and the electronic coupon transaction system issues from the coupon certificate After receiving the coupon number, the device increases the coupon amount to the remaining dispensing amount. The electronic coupon voucher transaction method of claim 6, wherein the payment profile comprises a credit card authorization transaction information. The electronic coupon voucher transaction method of claim 6, wherein the payment information comprises a third party transaction authorization information.