TWI666599B - Electronic payment systems and methods - Google Patents

Abstract

An electronic payment system and method, which involves a settlement arrangement between a bank and a customer after electronic payment, in which a message is automatically and immediately sent to a customer device, the message has an invitation, and the invitation invites the customer to Charges other than fees, such as paying for all or part of the transaction amount by redeeming points or by converting the transaction amount to an equal payment plan. The message contains a link to the micro-site of the online banking system. When the customer clicks on the micro-site, the micro-site sends the acceptance of the offer to the online banking system. After receiving the acceptance message, the payment is processed based on the accepted offer and the customer's account is adjusted accordingly.

Description

Electronic payment system and method

The present invention relates generally to electronic payment technology, and more specifically to technical solutions for implementing electronic payment systems and methods, such as settlement arrangements between banks and customers after electronic payment.

Currently, card rewards or reward loyalty programs typically offer redemption options that require cardholders to go online to obtain a specific set of rewards for goods and customer privileges previously arranged by banks and retailers or service providers. And part of the request, such as the cardholder's accumulated reward points to redeem the reward for merchandise or other benefits based on the reward offer. For example, cardholders must log in to the rewards program platform, which can retrieve cardholders' point balances and provide cardholders with specific redemption options available under the rewards program. Such redemption options typically limit cardholders to some relatively limited, predefined redemption options.

In addition, virtually no cardholders frequently go online to check and / or redeem their point balances in these traditional card reward programs, so such balances only continue to accumulate over time. In addition, since cardholders often have to verify their loyalty point balances before shopping online or benefiting from certain customer privileges, it is neither easy nor customer friendly for cardholders to obtain their loyalty point balances. As a result, many cardholders accumulate large loyalty points balances, and when they try to redeem their loyalty points in such traditional systems, they cannot find a redemption option that matches their preferences.

In addition, cardholders who did not pay their card account balance in full at the end of the monthly billing cycle have no choice but to defer or "carry forward" the remaining balance to the next month. When such a ministry occurs During the split payment, interest will be levied on the carry-over amount and added to the cardholder's account balance. Therefore, cardholders who wish to make a partial payment have no choice but to carry forward their account and pay interest on the carry-over amount. Furthermore, in the traditional method, the customer has to wait for the merchant to settle the transaction between the customer and the card issuer through their acquirer, which usually takes several days. Once the transaction is settled, these customers must log in to, for example, an online banking system and look for an equal payment plan feature to convert their transactions.

Therefore, technical solutions are currently needed to solve the problems of these traditional mechanisms, and to provide digital channel solutions for the shortcomings of these traditional methods. Such solutions, for example, eliminate customer experience as a separate step to authenticate customers themselves. Any requirements for a complex login process.

There is also a need for such technical solutions, for example, to allow cardholders the opportunity and flexibility to make equal card account payments over time without incurring carry-over interest. In addition, embodiments of the present invention can provide such a solution through a mobile communication channel.

The problems addressed by embodiments of the present invention stem from the technical limitations of such conventional methods. There is a need to improve the technology, especially the application of the technology, in order to solve the above-mentioned problems of the currently adopted mechanism. More specifically, the techniques applied in the traditional methods described above fail to implement the techniques disclosed herein in their ability to seek to improve electronic payment systems and methods.

Electronic payment system

The embodiments of the present invention advance the technical field for solving the problems associated with the above-mentioned currently used card account platform mechanism, and advance the peripheral technical field. A technical solution targeted by such embodiments may involve a system that may include, for example, a customer offer engine having at least one processor coupled to a memory and programmed to respond to receiving a customer Authorization request for card account transactions, automatic generation of at least one customer offer qualification database Customer offer query for the processor. In addition, the processor of the customer's offer engine can be further programmed to generate a message to the customer device based on a micro-site with an online banking system based on the authorization request approval and response to the customer's offer inquiry. The micro-site displays a reminder that can be selected The option to accept payment of at least a portion of the transaction amount in addition to charging a customer card account.

In addition, the online banking system may have at least one processor that is coupled to the memory and may be programmed to receive from the processor of the client device in response to a link via the micro-website of the online banking system by receiving The acceptance message of the option to pay at least a part of the transaction amount by means other than charging a fee is retrieved from the processor of the customer offer engine for details of paying at least a part of the transaction amount by means other than charging the customer card account. Further, the processor of the online banking system may be further programmed to generate a non-card account fee payment request to the processor of at least one customer offer qualification database, the non-card account fee payment request having Details of at least part of the transaction amount are paid by means other than fees, and in response to receiving the non-card account fee payment result, the micro-site of the online banking system displays the non-card account fee payment result on the customer's device.

In an aspect of the embodiment of the present invention, at least one processor of the customer offer engine processor may be further programmed to automatically generate at least one of the at least one processor in response to receiving the customer transaction data of the authorization request of the customer card account transaction. Customer offer query for processors of the customer offer qualification database. In another aspect, at least one processor of the customer offer engine may be further programmed to automatically respond to customer transaction data having an authorization request for a customer card account transaction from the processor of the point of sale terminal via a transaction authorization system Generate customer offer query. In another aspect, at least one processor of the customer offer engine may be further programmed to respond to customer transaction data for an authorization request for a customer card account transaction received from a processor of a merchant website server through a transaction authorization system And the customer offer query is automatically generated.

In yet another aspect of the embodiment of the present invention, at least one processor of the online banking system may be further programmed to be responsive to receiving a non-card account fee payment result from a processor of at least one customer offer qualification database, A non-card account fee payment result message is generated to at least one processor of the customer offer engine. In other aspects, at least one processor of the online banking system may be further programmed to generate non-card account fee payment results in response to receiving non-card account fee payment results from processors of at least one customer offer qualification database. The statement credit of the customer card account for the amount corresponding to the amount.

Points of the electronic payment system

In the point exchange aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be programmed to respond to receiving an authorization request for a customer card account transaction to at least one processor including at least one reward point database. A customer offer qualification database processor automatically generates a customer offer query including a customer card account point redemption query.

In such an aspect, at least one processor of the customer offer engine may be further programmed to generate a link to a micro-site with an online banking system to the customer device based on the authorization request approval and response to the customer card account point redemption query. Message, the microsite displays a reminder to choose to accept the option to pay at least a portion of the transaction amount in addition to charging the customer card account, including the option to pay at least a portion of the transaction amount by redeeming the customer card account points.

Also in such an aspect, at least one processor of the online banking system may be programmed, and in response to receiving from the processor of the client device via the link of the micro-website of the online banking system, payment is made by redemption of customer card account points The acceptance message of the option of at least part of the transaction amount is retrieved from at least one processor of the customer offer engine for details of paying at least part of the transaction amount by redemption of customer card account points.

In addition, in such an aspect, at least one processor of the online banking system may be further programmed to generate a request including a point redemption payment to a processor of the at least one reward point database. A non-card account fee payment request, wherein the points redemption payment request has details of paying at least part of the transaction amount by redeeming customer card account points that include at least part of the number of points required to pay at least a portion of the transaction amount, and Points redemption payment results are displayed on the client device through the micro-site of the online banking system.

In the point exchange aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be further programmed to automatically generate to the processor of at least one reward point database in response to receiving an authorization request for a customer card account transaction. Customer card account points redemption query, which includes a request for a customer's reward point balance. In such an aspect, at least one processor of the customer offer engine may be further programmed to automatically generate a customer card account point redemption to a processor of the second reward point database in response to receiving an authorization request for a customer card account transaction The query includes a point exchange rate and a request for some points required to pay at least part of the transaction amount.

In addition, in the point redemption mode, at least one processor of the customer offer engine may be further programmed to automatically generate customer card account points to the processor of at least one reward point database in response to receiving an authorization request for a customer card account transaction. The redemption query includes a request for some points required by the customer for reward point balances, point conversion rates, and at least a portion of the transaction amount. Furthermore, at least one processor of the customer offer engine may be further programmed to respond to receiving an authorization request for a customer card account transaction to at least one of a global reward management system database and a point exchange rate system database. The processor of at least one bonus point database automatically generates a customer card account point redemption query.

Also in the point redemption aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be further programmed to respond to receiving an authorization request for a customer card account transaction to a system including a combination of reward points and a point redemption rate system At least one reward point database processor of the database processor automatically generates a customer card account point exchange query. In addition, at least one processor of the customer's offer engine can be further programmed to be based on authorization request approval and checking of customer card account points In response to the inquiry, a message is generated to the client device with a link to a micro-site with an online banking system, which displays a reminder with the option to accept the option to pay the entire transaction amount in transactions that are less than the predefined transaction amount threshold.

In the point exchange aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be further programmed to generate an online banking system to the client device based on the authorization request approval and response to the customer card account point exchange query. A message from a link to a microsite that displays a prompt with the option to accept the option to pay the entire transaction amount in transactions equal to or less than the predefined transaction amount threshold.

In addition, in the point exchange mode, at least one processor of the customer's offer engine can be further programmed to generate a link to a micro-site with an online banking system to the client device based on the authorization request approval and response to the customer card account point exchange query. Message, the microsite displays a prompt with the option to accept the option to pay part of the transaction amount in a transaction that exceeds a predefined transaction amount threshold.

Equal payment plan of electronic payment system

In the equal payment plan aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be programmed to respond to receiving an authorization request for a customer card account transaction, and to include an equal payment plan plus a financial institution The library processor of at least one customer offer eligibility profile of the card and banking system processor automatically generates a customer offer query including a card account and a promotion query.

In addition, in the equal payment plan aspect of the embodiment of the present invention, at least one processor of the customer's offer engine may be further programmed to generate to the customer device based on the authorization request approval and response to the card account and promotion inquiry. A message from a link to a micro-site of an online banking system that displays a reminder to choose to accept the option to pay at least a portion of the transaction amount in addition to charging a customer card account, including by converting the transaction amount to Option to pay at least part of the transaction amount by an equal instalment plan.

Also in the equal payment plan aspect of the embodiment of the present invention, at least one processor of the online banking system may be programmed to receive from the processor of the client device in response to a link via the micro-website of the online banking system by Acceptance of the option to convert the transaction amount into an equal instalment plan to pay at least part of the transaction amount, retrieved from at least one processor of the customer's offer engine to pay at least part of the transaction amount by converting the transaction amount to an equal instalment plan Details.

Similarly, in the equal payment plan aspect of the embodiment of the present invention, at least one processor of the online banking system may be further programmed to add the financial institution card and the banking system processor to the equal payment plan to generate A non-card account fee payment request for an equal payment plan request, which includes details of paying at least part of the transaction amount by converting the transaction amount into an equal payment plan consisting at least in part of an equal payment plan item and corresponding pricing, and responding Upon receiving the result of the equal payment plan, the result of the equal payment plan is displayed on the client device through the micro-site of the online banking system.

In the equal payment plan aspect of the embodiment of the present invention, at least one processor of the customer offer engine may be further programmed to respond to receiving an authorization request for a customer card account transaction by adding a financial institution to the equal payment plan The card and banking system processor automatically generates card account and promotion queries, including requests for customer card account status and equal payment plan items, and corresponding pricing.

Electronic payment method

Embodiments related to the technical solutions described herein may also relate to a method including, for example, in response to receiving an authorization request for a customer card account transaction, automatically generating at least one by a customer offer engine having at least one processor coupled to a memory. Customer Offer Enquiry for Customer Offer Qualification Database Processor. Such methods may also involve, for example, based on authorization request approval and response to a customer offer inquiry, at least one processor of the customer offer engine to generate a message to the customer device with a link to a micro-site with an online banking system, the micro-site displaying a prompt , You can choose to accept the option to pay at least a portion of the transaction amount in addition to the fees charged to your customer card account.

Such methods may additionally involve, for example, receiving an acceptance message from a processor of a client device via a link to a micro-site of an online banking system, an option to pay at least a portion of a transaction amount in addition to charging a customer card account, by At least one processor of the online banking system retrieves details from at least one processor of the customer offer engine to pay at least a portion of the transaction amount by means other than charging a fee to the customer card account.

In addition, such methods may include, for example, non-card account fee payment requests being generated by at least one processor of the online banking system to processors of at least one customer offer eligibility database, and payment by means other than charging the customer card account Details of at least a portion of the transaction amount, and in response to receiving a non-card account fee payment result, displaying the non-card account fee payment result on the client device via a micro-site of the online banking system.

Points of electronic payment method

In a point redemption aspect of such a method in an embodiment of the present invention, automatically generating a customer offer query may include, for example, in response to receiving an authorization request for a customer card account transaction, at least one of the processors including at least one bonus point database The processor of the customer offer qualification database automatically generates a customer offer query including a customer card account point redemption query.

Also in the point redemption aspect of such methods, generating a message to a client device may also involve, for example, generating a message to the client device with a link to a micro-website with an online banking system based on authorization request approval and response to the customer's offer inquiry. The microsite displays a prompt to choose to accept the option to pay at least a portion of the transaction amount in addition to charging the customer card account, including the option to pay at least a portion of the transaction amount by redeeming the customer card account points.

In addition, in the point redemption aspect of such a method in an embodiment of the present invention, the retrieval details may additionally involve, for example, receiving a redemption from a processor of a customer device through a customer card account point in response to a link via a micro website of an online banking system Acceptance of the option to pay at least part of the transaction amount Retrieve details from at least one processor of the customer's offer engine to pay for at least part of the transaction amount by redemption of customer card account points.

In the point redemption aspect of such a method, generating a non-card account fee payment request may also involve, for example, generating a non-card account fee payment request including a point redemption payment request, wherein at least a portion of the transaction amount is included by redemption. Some of the required points of the customer card account points to pay for details of at least part of the transaction amount, and in response to receiving the points redemption payment results, the microsite of the online banking system displays the points redemption payment results on the client device.

Equal payment plan of electronic payment method

In the equal payment plan aspect of such a method of an embodiment of the present invention, automatically generating a customer offer query may involve, for example, at least one customer offer qualification information including an equal payment plan plus a financial institution card and a banking system processor. The library's processor automatically generates customer offer queries including card accounts and promotional queries.

In the form of an equal payment plan, the method of generating a message to a client device may also involve, for example, generating a message to the client device with a link to a micro-website with an online banking system based on authorization request approval and response to a customer offer inquiry Display a prompt to choose to accept the option to pay at least a portion of the transaction amount in addition to charging the customer card account, including the option to pay at least a portion of the transaction amount by converting the transaction amount to an equal instalment payment plan;

Also in the equal payment plan aspect of the method, retrieving details may additionally involve, for example, receiving from a processor of a client device in response to a link via a micro-website of an online banking system payment by converting a transaction amount into an equal installment plan The acceptance message of the option for at least part of the transaction amount is retrieved from at least one processor of the customer offer engine for details of paying at least part of the transaction amount by converting the transaction amount into an equal installment payment plan.

In addition, in the form of an equal payment plan in such a method, generating a payment request for a non-card account payment may also involve, for example, adding a financial institution card and a banking system processor to the equal payment plan including A non-card account fee payment request for an equal payment plan request, which includes details of paying at least part of the transaction amount by converting the transaction amount into an equal payment plan consisting at least in part of an equal payment plan item and corresponding pricing, and responding Upon receiving the result of the equal payment plan, the micro-site of the online banking system is used to display the result of the equal payment plan on the customer's device.

Embodiments of the present invention may employ computer hardware and software, including but not limited to one or more processors coupled to memory and a non-transitory computer-readable storage medium having one or more executable programs stored thereon, The executable program instructs the processor to perform the methods described herein.

These and other aspects of the present invention will be partially explained in the following description, and will become partially apparent to those skilled in the art after studying the following, or may be learned from the practice of the present invention. It is intended that all such aspects are included in this specification, fall within the scope of the present invention, and are protected by the scope of the accompanying patent application.

102‧‧‧POS terminal

104‧‧‧Customer Offer Engine

106‧‧‧Transaction Authorization System

108‧‧‧Global Reward Management System Database

110‧‧‧point conversion rate system database

112‧‧‧online banking system

114‧‧‧Customer communication devices

202‧‧‧Reward points and points conversion rate system database

302‧‧‧Equal payment plan plus financial institution card and banking system

1003… 1011‧‧‧Signal / data transfer

2003… 2009‧‧‧Signal / data transfer

3003… 3009‧‧‧‧Signal / data transfer

4001… 4004‧‧‧‧ steps

FIG. 1 is a schematic diagram showing an example of the outline of the deployment and integration of components and the flow of information between the components of the system in the point exchange aspect of the embodiment of the present invention; FIG. 2 is a view showing the point exchange of the embodiment of the present invention The deployment and integration of components in the aspect and another overview example of the information flow between the components of the system; FIG. 3 is a diagram showing the deployment and integration of the components of the equal payment plan aspect and the system of the embodiment of the present invention FIG. 4 is a flow chart showing an example of an outline of an electronic payment process without separate login or authentication in the system of the embodiment of the present invention;

Reference will now be made in detail to the embodiments of the disclosed invention, one or more examples of which are illustrated in the accompanying drawings. Each example is provided by explaining the present invention, rather than limiting the present invention. It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the scope or spirit of the invention. For example, features illustrated or described as part of one embodiment can be used with another embodiment to yield a still further embodiment. Accordingly, the invention is intended to cover such modifications and variations that fall within the scope of the invention.

Credit exchange aspect of electronic payment system and method

Embodiments of the present invention provide a digital channel solution to the shortcomings of the conventional method described above. For example, such a solution eliminates any requirement for the customer to go through a complex login process as a separate step to authenticate the customer himself in order to redeem loyalty points in the point redemption aspect of an embodiment of the present invention.

In addition, the push notification generated according to the embodiment of the present invention ensures that the customer is constantly reminded of the point balance of the specific card account of the customer, and continuously provides a simple method to redeem their accumulated point balance in the point exchange mode. As an added benefit, the points redemption aspect of the embodiments of the present invention can reduce the cost of customer purchases by a process that is very easy for customers, while eliminating any need for customers to track or remember their point balances.

The point redemption aspect of an embodiment of the present invention replaces multiple traditional options for customers to redeem their loyalty points with a single flexible process that uses these points to pay for a variety of purchases. For example, embodiments of the present invention may enable customers shopping on a travel service website to receive and click on newsletters and pay some or all of the purchase price by redeeming loyalty points. As another example, a customer who eats at a restaurant or purchases gasoline at a gas station can also receive and click on a newsletter and pay some or all of the cost of a meal or fuel by redeeming loyalty points.

As described above, the point conversion aspect of the embodiment of the present invention eliminates any requirement for the customer to enter customer login credentials, such as a username and password, when performing such exchanges or conversions. In addition, the product After applying the conversion point value in the sub-conversion pattern, or after adjusting the statement of the conversion transaction amount, the customer can see the statement of credit (statement) on the customer's card account within a predetermined period, for example, within a few days credit).

Embodiments of the present invention provide customers with push messages such as short message service (SMS) newsletters or emails based on instant events, such as transactions in a particular merchant or merchant category, and by clicking on a link sent to the customer in a communication message To use points or miles in point redemption to pay for transactions, allowing a seamless customer experience. This process saves customers time by providing real-time ability to execute such transactions as soon as the customer receives event-based instant customer communications without the need to continue to log in to the banking system, for example

Embodiments of the present invention provide a mechanism for using points to exchange points for general payment in any type of customer transaction performed, such as at a face-to-face merchant point of sale (POS) terminal or at a domestic or foreign Partner sites in online e-commerce. For example, suppose a customer uses a card account to perform such transactions. At checkout, transaction data can be sent to the card issuer's system along with a message requesting authorization, which can return an approval message.

In an embodiment of the present invention, the offer engine of the card issuer may use the received transaction data to perform a database search based on predefined search criteria to determine whether an offer message, such as a text message, will be generated and sent by the message server Device for customers. In the point redemption scenario, when it is determined that a newsletter should be produced on the customer's device, such a newsletter can express questions such as "Dear customer, do you want to pay for this transaction with your points?"

The newsletter may also include a link to the micro-site of the card issuer, and the newsletter may include a reminder that if the customer is interested in the offer, the customer clicks the link. In the point redemption mode, when the customer clicks the link in the newsletter, the customer can be routed to the screen displayed on the client device, on which the customer can be prompted to select the customer's accumulated points for the payment transaction process. exchange. When the customer selects the customer's accumulated points to pay for the transaction and clicks on the When the redemption button is displayed on the screen, the offer engine of the card issuer can display the confirmation screen on the same micro-site of the customer.

In the aspect of points redemption, the customer experience using the point payment mechanism of the embodiment of the present invention may involve, for example, receiving a newsletter on a customer's mobile device once the customer's transaction is authorized. Therefore, in a customer transaction with a retailer, the newsletter can notify the customer that he or she has just completed a specific transaction and ask the customer if he or she is willing to pay the customer's accumulated points for a specific transaction. It is reasonable to expect that many of these customers may be pleased to be able to compensate some or all of the amount they have just spent by redeeming their points.

Therefore, in the point redemption mode, the customer can click the link in the newsletter displayed on the client device, and then a window can be opened on the device display screen, prompting the customer to select the number of points for redemption through the screen mechanism such as a slider or an input field. After entering this information, the customer can simply click, for example, the "Submit" or "Redeem Now" button to complete the operation. In the embodiment of the present invention, the redeemed points may be, for example, loyalty points of a card issuer.

It should be noted that the process of the point conversion aspect of the embodiment of the present invention may occur during the authorization request phase. Therefore, in the point redemption state, when the card issuer receives an authorization request from a merchant for a specific card account of a customer and is approved by the card issuer system, the card issuer's offer engine can match the customer's credentials according to predefined rules. Search the points database.

In the point exchange mode of the embodiment of the present invention, when the transaction is authorized and a match with the customer certificate is found in the point database, the institution's offer engine can generate a text message and use the message server to combine the message with the point exchange offer Sent to customer's device. In addition, the entity's offer engine does not generate a newsletter when the transaction authorization is rejected and / or no match is found in the points database.

As described above, in the points exchange aspect of the embodiment of the present invention, searching the points database for matching with customer credentials is based on a predefined rule. It should be understood that these rules can be established Parameters that may trigger the generation of newsletters regarding specific types of transactions and / or authorizations, and such parameters may change over time.

It should be further understood that although the examples of the point redemption aspect of the embodiments of the present invention described herein may involve push notifications of text messages sent to customer mobile phones via SMS, other types of communication may include, for example, email push notifications, and other A type of client device may include, for example, a client's laptop, laptop, IPad, or desktop computer.

FIG. 1 is a schematic diagram showing an example of the outline of the deployment and integration of components and the information flow between the components of the system in the points redemption aspect of the embodiment of the present invention. Such a system may include, for example, a processor of a point of sale terminal (POS) terminal 102 that is communicatively coupled to one or more processes of the customer offer engine 104 via one or more processors of the transaction authorization system 106. Device.

Further referring to FIG. 1, in the point redemption state, one or more processors of the customer offer engine 104 may be communicatively coupled to the global reward management system database 108, the point conversion rate system database 110 and the online banking system 112. One or more processors, which may also be communicatively coupled to the processors of the global reward management system database 108 and the client communication device (client device) 114.

Referring again to FIG. 1, in the point redemption aspect of the embodiment of the present invention, at 1001, the customer's transaction data may be sent to one or more of the transaction authorization system 106 by the processor of the point of sale terminal 102 together with the authorization request, for example. Processors, and at 1002, one or more processors of the transaction authorization system 106 may download authorization logs to one or more of the customer offer engines 104, such as via an advanced fraud alert system (not shown in more detail). processor. The criteria for triggering an eligible transaction for a message, such as a short message service (SMS) message, sent to the customer communication device 114 along with a link to the micro-website of the online banking system 112 may be predefined and maintained in the customer offer engine 104.

Referring again to FIG. 1, at 1003, one or more processors of the customer offer engine 104 may send a credit balance query with a customer card account number to the global reward management system database 108, which may send credits with the customer's latest credit balance The query response is returned to the customer offer engine 104. Or multiple processors. Thereafter, at 1004, one or more processors of the customer offer engine 104 may send information, such as information about the organization, logo, merchant identifier, customer's card account number, and transaction amount, with the merchant's request for the cost per point exchange rate To the point conversion rate system database 110, the point conversion rate system database 110 may return the requested exchange rate and the points required for the transaction to one or more processors of the customer offer engine 104 at 1005.

With further reference to FIG. 1, at 1006, one or more processors of the customer offer engine 104 may trigger, for example, an SMS message sent to the customer communication device 114 along with a link to the online banking system microsite, which displays a reminder that the customer A selection of options to enter customer points to pay all or part of the transaction amount can be entered. At 1007, when the customer clicks, for example, a displayed option to pay all or part of the transaction amount with his or her points, the processor of the customer communication device 114 may send a point exchange acceptance message to one of the online banking systems 112 via a link. Or multiple processors.

Referring again to FIG. 1, at 1008, upon receiving the point exchange acceptance message, the online banking system 112 may call the customer's offer engine 104 to obtain the necessary details of the exchange, and upon receiving the exchange details, at 1009, the online banking system 112 may send a redemption request with the customer's card account number and required points to the global reward management system database 108. At 1010, in response to receiving the redemption request, the global reward management system database 108 can perform the redemption and send the redemption result to the online banking system 112, which in turn can be sent to the customer communication device 114 via the online banking system microsite. The redemption result is displayed on, and the redemption result is sent to the customer offer engine 104 at 1011.

FIG. 2 is a schematic diagram illustrating another overview example of the deployment and integration of components and the information flow between the components of the system in the points exchange aspect of the embodiment of the present invention. Such other example systems may include, for example, a processor of the point of sale terminal 102 that is communicatively coupled to the one or more processors of the customer offer engine 104 via one or more processors of the transaction authorization system 106. With further reference to FIG. 2, one or more processors of the customer offer engine 104 may be communicatively coupled to the reward points and points conversion rate system database 202 and one or more processors of the online banking system 112, which may also be A processor communicatively coupled to the bonus point number and point conversion rate system database 202 and the client communication device (client device) 114.

Referring again to FIG. 2, in the point redemption aspect of the embodiment of the present invention, at 2001, the customer's transaction data may be sent to one or more of the transaction authorization system 106 by the processor of the point of sale terminal 102 together with the authorization request, for example. Processors, and at 2002, one or more processors of the transaction authorization system 106 may download the authorization log to one or more of the customer offer engines 104, such as via an advanced fraud alert system (not shown more specifically) processor. As described above, the criteria for triggering a qualifying transaction of a message (such as a short message service (SMS) message) sent to the customer communication device 114 along with a link to the micro-site of the online banking system 112 may be predefined in the customer offer engine 104 and maintain.

With further reference to FIG. 2, at 2003, in the point redemption aspect of the embodiment of the present invention, one or more processors of the customer offer engine 104 may query the customer ’s point balance and the merchant-level merchant per-point cost Along with information such as information about the organization, logo, customer's card account number, merchant identifier, transaction amount, and points indicator, it is sent to the bonus points and points conversion rate system database 202, which can have the conversion rate, required at 2004 The points inquiry response of the points and the points balance of the customer are returned to the customer offer engine 104. At 2005, one or more processors of the customer offer engine 104 may trigger, for example, an SMS message sent to the customer communication device 114 along with a link to the micro-site of the online banking system 112. The micro-site displays a prompt that the customer can enter into Choice of his or her points to pay all or part of the transaction amount.

Referring again to FIG. 2, in the point exchange mode of the embodiment of the present invention, at 2006, when the customer clicks on the displayed option to pay all or part of the transaction amount with his or her points, the processor of the customer communication device 114 A point exchange acceptance message may be sent to the online banking system 112 via a link. At 2007, upon receiving the point exchange acceptance message, the online banking system 112 may call the customer offer engine 104 to obtain the necessary details of the exchange.

Referring again to FIG. 2, after receiving the redemption details, at 2008, the online banking system 112 may send a redemption request with the customer's card account number and required points to the bonus points and point conversion rate system database 202. In 2009, in response to receiving the redemption request, the reward points and points conversion rate system database 202 may perform the redemption and send the redemption results to the online banking system 112, which in turn may communicate with the customer communication device 114 via the micro-site. The redemption result is displayed on the screen and the redemption result is sent to the customer offer engine 104.

It should be understood that, in the aspect of points redemption in the embodiment of the present invention, the newsletter may include, for example, one or both of an offer to exchange points equal to the total cost of the transaction or an offer to exchange points equal to a partial cost of the transaction. For example, the newsletter may include an offer to redeem points equal to the total transaction amount in transactions less than a predetermined threshold amount, or an offer to redeem points equal to a portion of the transaction amount in transactions greater than the predetermined threshold amount.

In the point conversion aspect of the embodiment of the present invention, such a critical threshold amount may be determined in advance, for example, $ 30 or any other suitable threshold amount. Factors that may be considered when determining such a threshold amount in advance may include, for example, whether customers may be inclined to limit the conversion of their points balance when paying a relatively large transaction amount. However, it should be understood that embodiments of the present invention can completely exclude such threshold amounts and allow redemption of points equal to the total transaction amount, regardless of the transaction amount.

In the embodiment of the present invention, each transaction can be fully authorized for the total transaction amount through the authorization system of the card issuer, as usual, in accordance with all the usual authorization logic and control, and only in the transaction authorized system of the card issuer After receiving, the newsletter can be triggered and sent to the customer. In the above-mentioned threshold quantity feature of the point exchange aspect of the embodiment of the present invention, when a customer makes a purchase transaction on a partner's website, different processing flows may be triggered based on, for example, the partner and / or the transaction amount.

For example, in the threshold quantity feature of the point conversion aspect of the embodiment of the present invention, a transaction amount greater than a sum of a predetermined threshold may trigger a partial redemption process. For example, suppose a customer makes a purchase on a website or point-of-sale terminal of a merchant partner when the transaction amount is greater than the sum of a predetermined threshold or Service transactions. As usual, at checkout, the customer's transaction data can be sent to the transaction authorization system 106, for example, by the point-of-sale terminal 102 or a web server with an authorization request, which can be authorized, for example, via an advanced fraud alert system The log is downloaded to the customer offer engine 104.

Based on the customer offer engine 104 confirming the customer point balance, the point conversion rate, and the number of points required for the customer transaction, the customer offer engine 104 may trigger, for example, an SMS message sent to the customer communication device 114 along with a link to the micro-site of the online banking system 112, The microsite prompts the customer to choose the option to pay any part of the transaction amount up to a predetermined threshold amount with his or her available points. When a customer clicks on a link, for example, the customer communication device 114 may be routed to a display screen on which the customer may enter a request to redeem points for a specific payment amount that is less than a threshold amount. Based on the customer's input, the customer's credit balance may decrease and a declared credit will appear in the customer's card account.

On the other hand, a transaction amount that is less than a predetermined threshold sum (eg, thirty dollars) can trigger a full redemption process. Accordingly, the customer offer engine 104 may trigger an SMS message sent to the customer communication device 114 along with a link to the micro-website of the online banking system 112, which prompts the customer to select the option to pay all transaction amounts with his or her points. When a customer clicks on a link, for example, the customer communication device 114 may be routed to a display screen to notify the customer of the number of points that will be deducted from the customer's point balance and equal to the total transaction amount. Thereafter, the customer's credit balance may decrease and a declared credit will be displayed in the customer's card account.

Equal payment plan aspect of electronic payment system and method

As described above, embodiments of the present invention provide a digital channel solution to the shortcomings of traditional methods, which eliminates any requirement that a customer goes through a complex login process as a separate step to authenticate the customer itself, for example in the present invention In the equal payment plan aspect of the embodiment, the transaction amount is converted into an equal payment plan. In addition, after a statement adjustment has been made for the conversion transaction amount, the customer can see a statement of credit on the customer's card account for a predetermined period, such as within a few days.

Embodiments of the present invention provide customers with push messages such as short message service (SMS) newsletters or emails based on instant events, such as transactions in a particular merchant or merchant category, and by clicking on a link sent to the customer in a communication message To pay for transactions by converting them to an equal payment plan in the same payment plan format, allowing a seamless customer experience. This process saves customers time by providing real-time ability to execute such transactions immediately without the customer having to continue to log in to the banking system by providing instant customer-based communication once the customer has received the event.

In an embodiment of the present invention, the offer engine of the card issuer may use the received transaction data to perform a database search based on predefined search criteria to determine whether an offer message, such as a text message, will be generated and sent by the message server Device for customers. In the point redemption scenario, when it is determined that a newsletter should be generated to the customer's device, such a newsletter can express questions such as "Dear customer, do you want to use your points to pay for this transaction?".

In the aspect of the equal payment plan embodiment of the present invention, the customer's transaction (for example, on the merchant's point-of-sale terminal 102 or website) is performed between the merchant and the card issuer as usual. However, while the authorization request is being processed and approved by the card issuer's transaction authorization system 106, the card issuer's customer offer engine 104 can generate a newsletter with an equal payment plan offer in parallel with such a normal authorization process and send the newsletter Sent to the client communication device 114.

Embodiments of the invention may involve, for example, equal payments. In such an aspect, in parallel with the usual authorization process, the customer offer engine 104 can generate a newsletter with an equal payment plan offer and send the newsletter to the customer communication device 114, and at the same time the transaction authorization system 106 of the card issuer is working Process and approve authorization requests. Therefore, the customer may be offered an option in the newsletter to delay payment of the transaction amount in installments of a predetermined number of periods.

In the equal payment plan embodiment of the present invention, a customer may use a card account to perform such transactions, and at the time of checkout, the transaction information may be sent to the transaction authorization system 106 of the card issuer along with a message requesting authorization, which Can return authorization message and download authorization log to customer About engine 104. The client offer engine 104 may use the received transaction data to perform a database search based on predefined search criteria to determine whether an offer message, such as a newsletter, will be generated and sent to the client communication device 114 via a message server.

In the form of an equal payment plan, when it is determined that a newsletter should be generated to the customer communication device 114, the newsletter may include questions such as "Dear customer, do you want to pay your transaction with your points?" A link to the micro-website of the online banking system 112 may be included, and if the customer is interested in the offer, the customer clicks the link.

For example, suppose the purchase amount is $ 1,200. In the equal payment mode of the embodiment of the present invention, the newsletter can express questions, such as "Dear customer, thank you for making this purchase. Would you like to convert the purchase price of $ 1,200 to $ 100 per month for 12 months, etc. You can pay a one-time fee of $ 24 for this purpose. "For example, a one-time fee might reflect a percentage fee, such as a one-time fee of $ 24 to convert the transaction amount and pay the transaction amount in multiple installments. 2% of $ 1,200.

Alternatively, the newsletter could prompt the customer to choose to convert the $ 1,200 purchase price to a regular installment, such as 12 or more installments. Based on the selection entered by the customer, a customer's credit adjustment can be generated and posted to the customer's card account to reduce the carry-over balance of the card account.

FIG. 3 is a schematic diagram illustrating an example of the deployment and integration of components of the equal payment plan aspect and the information flow between the components of the system according to the embodiment of the present invention. Referring to FIG. 3, the system may include, for example, a processor of a point of sale terminal 102 that is communicatively coupled to one or more processors of the customer offer engine 104 via one or more processors of the transaction authorization system 106. With further reference to FIG. 3, one or more processors of the customer offer engine 104 may be communicatively coupled to the equal payment plan plus one or more processors of the financial institution card and the banking system 302 and one of the online banking system 112 Or multiple processors, which may also be communicatively coupled to the processor of the equal payment plan plus the financial institution card and banking system 302 and the customer communication device 114.

Referring again to FIG. 3, in an embodiment of the present invention, at 3001, a customer's transaction profile may be sent with the authorization request, for example, by the processor of the point of sale terminal 102 to one or more processors of the transaction authorization system 106. At 3002, one or more processors of the transaction authorization system 106 may download the authorization log to one or more processors of the customer offer engine 104, such as via an advanced fraud alert system (not shown in more detail). In the equal payment plan aspect, the criteria for triggering an eligible transaction such as a short message service (SMS) message sent to the customer communication device 114 along with a link to the micro-site of the online banking system 112 may be in the customer offer engine 104 Predefined and maintained.

With further reference to FIG. 3, at 3003, one or more processors of the customer offer engine 104 may send a card account query for the customer's card status and account information to the equal payment plan plus financial institution card and banking system 302 and Available equal payment plan items and promotional queries for corresponding pricing. At 3004, the equal payment plan plus the financial institution card and banking system 302 can return to the customer offer engine 104 a card account query response with the customer's card status and account information, as well as available equal payment plan items and corresponding pricing. Promotion query response.

Referring again to FIG. 3, at 3005, one or more processors of the customer offer engine 104 may trigger, for example, an SMS message sent to the customer communication device 114 along with a link to the micro-site of the online banking system 112, which displays the offer details And prompt the customer to enter the option to convert the transaction amount into an equal installment payment plan. At 3006, when the customer clicks, for example, a displayed option to convert the transaction amount into an equal payment plan, the processor of the customer communication device 114 may send an equal payment plan acceptance message to the online banking system 112 via a link.

Further referring to FIG. 3, at 3007, after receiving the equal payment plan acceptance message, the online banking system 112 may call the customer offer engine 104 to obtain the necessary details of the equal payment plan, and after receiving the equal payment plan details At 3008, the online banking system 112 may send an equal payment plan request to the equal payment plan plus a financial institution card and the banking system 302. At 3009, in response to receiving the request, the equal payment plan plus the financial institution card and the banking system 302 may complete Make an equal payment plan request and generate an order confirmation message to the online banking system 112, which in turn can display the confirmation message on the customer communication device 114 via the micro-site and send the confirmation message to the customer offer engine 104.

After receiving the customer's request, the equal payment plan aspect of the embodiment of the present invention may involve a separate batch processing process, in which the customer's equal payment plan can be registered after the merchant settles the customer's transaction. For example, transaction settlements can be published and matched with order information, and then call loan creation, order fulfillment, and loan registration service functions. Later, a credit adjustment can be generated for the converted amount, and the credit adjustment can reduce the carry-over balance of the customer account. In addition, you can call the loan registration or reject SMS or email reminder function to send customers success or failure reminders, and can trigger order status updates. In addition, the equal payment plan aspect of the embodiment of the present invention may include a keyword textual reminder capability that is sent to the customer when the customer payment due date of the customer statement is approaching. Such reminder capabilities can provide customers with reminders, such as SMS or email messages, that are sent to the customer's device a few days before the customer's payment due date to remind the customer about the customer's payment and provide the equal payment plan to the customer.

Instead of generating a message to the customer's device with an offer to convert the transaction amount into an equal payment plan, the equal payment plan aspect of an embodiment of the present invention may involve an alternative feature that may allow the customer to balance the customer's statement balance Converted into monthly installments. In such alternatives, when it is determined that a newsletter should be generated to the customer communication device 114, the newsletter may include, for example, "Dear customer, do you wish to convert all or part of your current statement balance into equal instalments?" Class issues. The newsletter may also include a link to the micro-website of the online banking system 112, and the newsletter may include a reminder that if the customer is interested in the offer, the customer clicks the link. As described above, the equal payment plan aspect of the embodiment of the present invention may include the keyword textual reminder capability sent to the customer when the customer payment due date of the customer statement is approaching. Such alerting capabilities can provide customers with A reminder, such as an SMS or email message, is sent to the customer's device a few days before the payment due date to remind the customer about the customer's payment and provide the equal payment plan to the customer.

For example, suppose a customer's current statement balance is $ 4,530.30. In the equal payment feature of the statement of the embodiment of the present invention, the newsletter can express a question, such as "Dear customer, your current statement balance is $ 5,530.30, and the maximum amount that can be converted into a partial payment is $ 4303.70 . Your recommended repayment plan is $ 89.66 per month for 48 months. "Based on the selection of the offer entered by the customer, a message can be generated to the customer's device to confirm and provide details of the customer's billing equal installment plan, and Corresponding adjustments can be generated and posted to the customer's card account. As described above, the equal payment plan aspect of the embodiment of the present invention may include the keyword textual reminder capability sent to the customer when the customer payment due date of the customer statement is approaching. Such reminder capabilities can provide customers with reminders, such as SMS or email messages, that are sent to the customer's device a few days before the customer's payment due date to remind the customer about the customer's payment and provide the equal payment plan to the customer.

It should be understood that the equal payment plan aspect of the embodiment of the present invention is device-independent, so that the customer communication device 114 may be, for example, a mobile phone, laptop, tablet, laptop, or any other suitable computing device . As described above, in the equal payment plan embodiment of the embodiment, a short message or an email message is triggered in the authorization request message and authorization approval message stages. It should also be noted that the equal payment plan aspect of the embodiment of the present invention may include the keyword textual reminder capability sent to the customer when the customer payment due date of the customer statement is approaching. Such reminder capabilities can provide customers with reminders, such as SMS or email messages, that are sent to the customer's device a few days before the customer's payment due date to remind the customer about the customer's payment and provide the equal payment plan to the customer.

Electronic payment system and method

FIG. 4 is a flowchart showing an outline example of an electronic payment process in the system according to the embodiment of the present invention without a separate login or authentication in the system. Referring to FIG. 4, at 4001, in response to receiving an authorization request for a customer card account transaction, the customer offer engine automatically generates a request for at least one customer Inquiries about customers in the qualification database. At 4002, based on the authorization request approval and response to the customer's offer inquiry, the customer offer engine generates a message to the customer device with a link to a micro-site with an online banking system. The micro-site displays a prompt to choose to accept by Card account has the option to charge at least a portion of the transaction amount in addition to fees.

With further reference to FIG. 4, at 4003, in response to receiving an acceptance message from a client device via a link to a micro-site of an online banking system, an option to pay at least a portion of a transaction amount in addition to charging a customer card account, an online bank The system's processor retrieves details from the customer's offer engine to pay for at least a portion of the transaction amount by means other than charging the customer's card account.

Referring again to FIG. 4, at 4004, the online banking system processor generates a non-card account fee payment request to the customer's offer qualification database processor, which has at least a portion of the transaction amount paid in addition to the fee charged to the customer card account And in response to receiving the non-card account fee payment result from the customer offer eligibility database processor, the online banking system processor displays the non-card account fee payment result on the client device via the micro-site of the online banking system.

It should be understood that the embodiments of the present invention may be implemented as processes of a computer program product, each of which may operate on one or more processors that are separately on a single physical platform (such as a personal computer) Or across multiple platforms, such as systems or networks, including networks such as the Internet, intranet, WAN, LAN, cellular network, or any other suitable network. Embodiments of the present invention may employ client devices, and each client device may include a computer-readable medium, including but not limited to a random access memory (RAM) coupled to a processor. The processor can execute computer-executable program instructions stored in memory. Such processors may include, but are not limited to, a microprocessor, an application specific integrated circuit (ASIC), and / or a state machine. Such processors may include or may be in communication with media, such as computer-readable media, which, when executed by a processor, cause the processor to perform one or more steps described herein.

It should also be understood that such computer-readable media may include, but is not limited to, electronic, optical, magnetic, RFID or other storage or transmission devices capable of providing computer-readable instructions to a processor. Other examples of suitable media include, but are not limited to, CD-ROMs, DVDs, disks, memory chips, ROM, RAM, ASICs, configured processors, optical media, magnetic media, or any other computer-readable instructions The right media. Embodiments of the present invention may use other forms of such computer-readable media to transmit or transfer instructions to a computer, including routers, private or public networks, or other transmission devices or channels, wired or wireless. Such instructions may include code from any suitable computer programming language, including but not limited to C, C ++, C #, Visual Basic, Java, Python, Perl, and JavaScript.

It should be further understood that the client devices that can be used in embodiments of the present invention may also include multiple external or internal devices, such as a mouse, a CD-ROM, a DVD, a keyboard, a display, or other input or output devices. Generally, such a client device may be any suitable type of processor-based platform that is connected to the network and interacts with one or more applications and can operate on any suitable operating system. Server devices may also be coupled to a network, and similar to client devices, such server devices may include a processor coupled to a computer-readable medium, such as a random access memory (RAM). Such a server device, which can be a single computer system, can also be implemented as a network of computer processors. Examples of such server devices are servers, mainframe computers, networked computers, processor-based devices, and similar types of systems and devices.

Claims (20)

An electronic payment system includes: a customer offer engine, the customer offer engine has at least one processor, the at least one processor is coupled to a memory and is programmed to receive an authorization in response to receiving a customer card account transaction Request, to automatically generate a customer offer query to a processor of at least one customer offer qualification database; wherein the processor of the customer offer engine is further programmed to be approved based on an authorization request and a response to the customer offer query, Generate a message to a client device with a link to a micro-site with an online banking system, the micro-site displaying a prompt to choose to accept at least a transaction amount paid in addition to the fee charged to the customer card account A part of the options; wherein the online banking system has at least one processor, the processor is coupled to a memory, and is programmed to be responsive to a link from the client device via the link of the micro-website of the online banking system Processor receives by charging in addition to the customer card account An acceptance message of an option to pay at least a portion of the transaction amount by other means, retrieve details from the processor of the customer's offer engine to pay at least a portion of the transaction amount by means other than charging the customer card account ; And wherein the at least one processor of the online banking system is further programmed to generate a non-card account fee payment request to the processor of the at least one customer offer qualification database, the non-card account fee payment request having Details of paying at least a portion of the transaction amount in addition to charging the customer card account, and in response to receiving a non-card account fee payment result, displaying the non-payment on the client device via the micro-site of the online banking system Card account fee payment result. For example, the electronic payment system of the first patent application scope, wherein the at least one processor of the customer offer engine is further programmed to receive a customer transaction data in response to the authorization request for transactions through the customer card account, The processor of the at least one customer offer qualification database automatically generates the customer offer query. For example, the electronic payment system of the second patent application scope, wherein the at least one processor of the customer offer engine is further programmed to respond to the authorization request for transaction through the customer card account via a transaction authorization system. A processor of a point-of-sale terminal receives the customer transaction data and automatically generates the customer's offer inquiry. For example, the electronic payment system of the second patent application scope, wherein the at least one processor of the customer offer engine is further programmed to respond to the authorization request for transaction through the customer card account via a transaction authorization system. A processor of a merchant website server receives the customer transaction data and automatically generates the customer offer query. For example, the electronic payment system of the first patent application scope, wherein the at least one processor of the online banking system is further programmed to respond to receiving the non-card account fee from the processor of the at least one customer offer qualification database. For the payment result, a non-card account fee payment result message is generated to the at least one processor of the customer offer engine. For example, the electronic payment system of the first patent application scope, wherein the at least one processor of the online banking system is further programmed to respond to receiving the non-card account fee from the processor of the at least one customer offer qualification database. The payment result is a statement credit of the customer card account for an amount corresponding to a non-card account fee payment amount. For example, the electronic payment system of the scope of patent application, wherein the at least one processor of the customer offer engine is programmed to respond to receiving the authorization request of the customer card account transaction to include at least one bonus point database A processor of the at least one customer offer qualification database automatically generates the customer offer query, the customer offer query includes a customer card account point redemption query; wherein the at least one processor of the customer offer engine is Further programming is planned to generate the message of the link of the micro-site with the online banking system to the client device based on the authorization request approval and response to the customer card account point redemption query. The micro-site displays a prompt that may The option to accept payment of at least a portion of the transaction amount by means other than charging the customer card account, including the option to pay at least a portion of the transaction amount by redeeming multiple customer card account points; wherein the online bank The at least one processor of the system is programmed The acceptance message in response to receiving an option to pay at least a portion of the transaction amount by redeeming the customer card account points from the processor of the client device in response to the link via the microsite of the online banking system Retrieving details of paying at least a portion of the transaction amount by redeeming the customer card account points from the at least one processor of the customer offer engine; and wherein the at least one processor of the online banking system is further programmed To generate the non-card account fee payment request to the processor of the at least one reward point database, the non-card account fee payment request includes a point exchange payment request, the point exchange payment request has to be paid by redeeming the customer card account points Details of at least a portion of the transaction amount, the customer card account points are composed at least in part of a number of points required to pay for at least a portion of the transaction amount, and in response to receiving a point exchange payment result via the online banking system The microsite for shows on the client device Redeem the result of payment. For example, the electronic payment system of the seventh patent scope, wherein the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction to the at least one reward point data The processor of the library automatically generates the customer card account point conversion query, and the customer card account point conversion query includes a request for a customer reward point balance. For example, the electronic payment system of the eighth patent application scope, wherein the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction to a second reward point data A processor of the library automatically generates the customer card account point redemption query. The customer card account point redemption query includes a request for a point redemption rate and a number of points required to pay at least a portion of the transaction amount. For example, the electronic payment system of the seventh patent scope, wherein the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction to the at least one reward point data The processor of the library automatically generates the customer card account point redemption query. The customer card account point redemption query includes a request for a number of points required for a customer reward point balance, a point conversion rate, and at least a portion of the transaction amount. For example, the electronic payment system of the seventh patent scope, wherein the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction to the at least one reward point data The processor of the library automatically generates the customer card account points exchange query, and the at least one reward point database includes at least one of a global reward management system database and a point exchange rate system database. For example, the electronic payment system of the seventh patent scope, wherein the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction to the at least one reward point data The processor of the library automatically generates the customer card account point exchange query, and the processor of the at least one reward point database includes a processor of a combined reward point and point exchange rate system database. For example, the electronic payment system of the seventh scope of the patent application, wherein the at least one processor of the customer's offer engine is further programmed to the client device based on the authorization request approval and response to the customer card account point redemption query. The message is generated with the link to the micro-site of the online banking system, the micro-site displaying a prompt to select the option to accept the full payment of the transaction amount in a transaction that is less than a predefined transaction amount threshold. For example, the electronic payment system of claim 13 in which the at least one processor of the customer's offer engine is further programmed to respond to the authorization request approval and response to the customer card account point redemption query to the customer device The message is generated with the link to the micro-site of the online banking system, the micro-site displaying a prompt to select the option to accept the full payment of the transaction amount in a transaction equal to or less than a predefined transaction amount threshold. For example, the electronic payment system of the seventh scope of the patent application, wherein the at least one processor of the customer's offer engine is further programmed to the client device based on the authorization request approval and response to the customer card account point redemption query. The message is generated with the link to the micro-website of the online banking system, the micro-website displaying a prompt to choose to accept the option to pay a portion of the transaction amount in a transaction greater than a predefined transaction amount threshold. For example, the electronic payment system of the first patent application scope, wherein the at least one processor of the customer offer engine is programmed to respond to receiving the authorization request of the customer card account transaction, and to offer qualification information to the at least one customer The processor of the library automatically generates the customer offer query, the customer offer query includes a card account and promotion query, the processor of the at least one customer offer qualification database includes an equal payment plan plus a financial institution card and a banking system A processor; wherein the at least one processor of the customer offer engine is further programmed to generate the microsite with the online banking system to the client device based on the authorization request approval and response to the card account and promotional inquiry This message of the link, the microsite displays a prompt to choose to accept the option to pay at least a portion of the transaction amount by means other than charging the customer card account, including by converting the transaction amount into a Equal Instalment Payment Plan to pay for at least a portion of the transaction amount Option; wherein the at least one processor of the online banking system is programmed to receive from the processor of the client device in response to the link via the microsite of the online banking system by converting the transaction amount to The acceptance message of the option to pay the at least part of the transaction amount by the instalment payment plan is retrieved from the at least one processor of the customer offer engine to pay the transaction amount by converting the transaction amount to the instalment payment plan Details of at least a portion of; and wherein the at least one processor of the online banking system is further programmed to add the financial institution card and the banking system processor to the payment plan to generate the non-card account fee payment request, the non-card account The fee payment request includes an equal payment plan request having details of paying at least a portion of the transaction amount by converting the transaction amount into the equal payment plan, the equal payment plan being at least partially Consists of an equal payment plan item and a corresponding pricing, and is responsive Receive an equal pay program results, the results show that the equal pay program via the microsite of the online banking system on the client device. For example, if the electronic payment system of claim 16 is applied, the at least one processor of the customer offer engine is further programmed to respond to receiving the authorization request of the customer card account transaction, and add to the payment plan The financial institution card and the banking system processor automatically generate the card account and promotion inquiry, including a customer card account status and a plurality of equal payment plan items and a request for a corresponding price. An electronic payment method comprising: in response to receiving an authorization request for a customer card account transaction, processing by a customer offer engine having at least one processor coupled to a memory to at least one customer offer eligibility database The server automatically generates a client offer query; based on an authorization request approval and a response to the client offer query, the at least one processor of the client offer engine generates a link to a client device with a micro website with an online banking system A message that the microsite displays a prompt to choose to accept the option to pay at least a portion of a transaction amount in addition to charging the customer card account; in response to the microsite via the online banking system, the microsite A link receives an acceptance message from an processor of the client device of an option to pay at least a portion of the transaction amount in addition to charging the customer card account, and the at least one processor of the online banking system receives from the processor The at least one processor of the customer offer engine retrieves Details of paying at least a portion of the transaction amount in a manner other than charging the customer card account; and generating a non-card account by the at least one processor of the online banking system to the processor of the at least one customer offer qualification database A fee payment request, the non-card account fee payment request has details of paying at least a portion of the transaction amount by means other than charging the customer card account, and in response to receiving a non-card account fee payment result via the online The microsite of the banking system displays the non-card account fee payment result on the client device. For example, in the electronic payment method of claim 18, wherein automatically generating the customer offer query further includes, in response to receiving the authorization request for the customer card account transaction, sending the request to a processor including at least one bonus point database. The processor of at least one customer offer qualification database automatically generates the customer offer query, the customer offer query includes a customer card account point redemption query; wherein generating the message to the client device further includes approval based on the authorization request and response to the request. In response to the customer's offer inquiry, the client device generated the message of the link of the micro-site with the online banking system, and the micro-site displayed a reminder to choose to accept other methods than charging a fee to the customer's card account. The option to pay at least a portion of the transaction amount includes an option to pay at least a portion of the transaction amount by redeeming multiple customer card account points; wherein retrieving the details further includes responding to the micro-site via the online banking system. Link from the client device The processor receives the acceptance message of the option to pay at least a portion of the transaction amount by redeeming the customer card account points, and retrieves from the at least one processor of the customer offer engine to pay by redeeming the customer card account points Details of at least a portion of the transaction amount; and wherein generating the non-card account fee payment request further includes generating the non-card account fee payment request to the processor of the at least one reward point database, the non-card account fee payment request including a point Redemption payment request, the points redemption payment request has details of paying at least a portion of the transaction amount by redeeming the customer card account points, and the customer card account points are at least partially required to pay at least a portion of the transaction amount Some points are composed, and in response to receiving a point redemption payment result, the point redemption payment result is displayed on the client device via the micro website of the online banking system. For example, in the electronic payment method of claim 18, wherein automatically generating the customer offer query further includes automatically generating the customer offer query to the processor of the at least one customer offer qualification database, and the customer offer query includes a card account And promotion query, the processor of the at least one customer offer eligibility database includes an equal payment plan plus a financial institution card and a banking system processor; wherein generating the message to the client device further includes granting approval based on the authorization request and In response to the customer's offer inquiry, the client device generates the message of the link with the micro-site of the online banking system, the micro-site displays a prompt to choose to accept payment in addition to fees charged to the customer's card account The option to pay at least a portion of the transaction amount by means includes an option to pay at least a portion of the transaction amount by converting the transaction amount to an equal instalment payment plan; wherein retrieving such details further includes responding to the request via the online bank The link to the microsite of the system The processor of the client device receives the acceptance message of an option to pay at least a portion of the transaction amount by converting the transaction amount into the instalment payment plan, and retrieves a borrowing from the at least one processor of the customer offer engine Details of paying at least a portion of the transaction amount by converting the transaction amount into an equal instalment payment plan; and wherein the step of generating the non-card account fee payment request further includes adding a financial institution card and a banking system to the payment plan The processor generates the non-card account fee payment request. The non-card account fee payment request includes an equal payment plan request. The payment plan request has a payment amount by converting the transaction amount into the payment amount plan. At least part of the details, the equal payment plan is at least partially composed of equal payment plan items and a corresponding pricing, and in response to receiving an equal payment plan result, via the micro-site of the online banking system on the customer's device The results of the payment plan are displayed on the screen.