TWI718920B - Transaction exchange sharing system of member bonus points - Google Patents

Abstract

A transaction exchange sharing system of member bonus point connected to a plurality of external market database includes a plurality of point servers and a central server. The points servers provide a plurality of point information. The central server receives the point information corresponded to the database information from the market database and calculates value of every point information and a point exchange ratio based on the market data. Users can exchange with each other via the transaction exchange sharing system of member bonus point based on the point exchange ratio. The central server will regularly collect market data and recalculate the point exchange ratio.

Description

Member bonus point transaction exchange sharing system

A trading system, especially a member bonus point trading exchange sharing system.

Bonus points are a very common marketing and promotion method in the market today. Consumers can get bonus points every time they spend, and the accumulated bonus points can be exchanged for discounts or directly for goods. This kind of discount mechanism is used to encourage consumption.者consuming.

For this reason, there are quite a few businesses that adopt the red point system, and they are common in credit card and mass dealers. However, there are many businesses that provide bonus points in the market, and most consumers hold bonus points from different businesses, and the value of these bonus points is not the same, and they often have expiration dates. It is very troublesome for consumers to manage these bonus points.

On the other hand, even if the current concept of a point trading platform has been proposed, it has failed to give an objective evaluation of the value of different points, resulting in the point value being easily mis-estimated, which will affect both parties to the transaction and the point issuing unit. rights and interests.

Therefore, how to solve the above problems is worth considering for those with ordinary knowledge in this field.

This creation provides a membership bonus point transaction exchange sharing system, which allows consumers to integrate the points of various merchants, and can further judge the value of the points based on market conditions.

This creation provides a member bonus point transaction exchange sharing system, which is connected to multiple external market databases. The member bonus point transaction exchange sharing system includes multiple point servers and a central server Device. The point server corresponds to multiple point issuing units, and the point server is suitable for providing multiple point information. The central server is connected to the point server in communication. The central server includes a data collection module, a point value calculation module, a user database and a transaction module. The data collection module is suitable for collecting multiple market data from the market database. The point value calculation module is suitable for calculating the point value conversion ratio based on the market data. The user database stores multiple pieces of user data and receives the point information. The user data is related to the point information. The transaction module is adapted to generate at least one point transaction message to the corresponding point server, and the transaction message is generated according to the point conversion ratio. Among them, the market data is data on the number of users of each point issuing unit, data on the amount of agency receipts and payments, and data on the number of circulating merchants. Among them, the point value calculation module counts all the user number data of the point issuing unit to obtain a total user number data, and counts all the point issuing unit's agent receipt and payment amount data to obtain a general agent receipt and payment amount data , Count all the data on the number of circulating merchants of the point issuing unit to obtain a total number of circulating merchants. Among them, the point value calculation module calculates the data on the proportion of the number of users of the point issuing unit, and the data on the number of agents in the point issuing unit based on the data on the total number of users, the data on the amount of receipts and payments of the general agent, and the data on the total number of circulating businesses. Data on the proportion of the payment amount and the proportion of the number of merchants in circulation. Wherein, the point value calculation module multiplies the data of the proportion of the number of users by a first weight to obtain a first evaluation parameter, and multiplies the data of the proportion of the amount of agency receipts and payments by a second weight to obtain a second evaluation Parameter, multiply the data of the proportion of the number of circulating merchants by a third weight to obtain a third evaluation parameter, and add the first evaluation parameter, the second evaluation parameter and the third evaluation parameter to obtain a point evaluation index. The number evaluation index corresponds to the point issuing unit. Among them, the ratio of the point evaluation index between different points issuing units is the point conversion ratio.

The above-mentioned member bonus point transaction exchange sharing system, which further includes a plurality of user devices, which are communicatively connected to the central server and correspond to the user data, and the user device is suitable for sending a transaction request message or a confirmation Transaction information to the central server.

In the aforementioned member bonus point transaction exchange sharing system, the central server transmits the transaction request message to the corresponding user device after receiving the transaction request message.

In the above-mentioned member bonus point transaction exchange sharing system, wherein, after the central server receives the confirmation transaction message, the transaction module generates the point transaction message.

In the aforementioned member bonus point transaction exchange sharing system, the point server modifies the corresponding point information after receiving the point transaction message.

In the above-mentioned member bonus point transaction exchange sharing system, the data collection module collects the market data regularly, and each time the market data is received, the point value calculation module recalculates the point conversion ratio.

10: Market database

100: Member bonus point transaction exchange sharing system

110: Point server

120: Central Server

121: Data Collection Module

122: Point value calculation module

123: User data

124: Trading Module

125: warning module

130: user device

Figure 1 shows the exchange and sharing system for member bonus points trading created by this creation.

This creation provides a membership bonus point transaction exchange sharing system, provides a point transaction platform, can automatically collect market information, and update the point value of different merchants regularly.

Please refer to Figure 1. Figure 1 depicts this creation of the membership bonus point transaction exchange sharing system. The member bonus point transaction exchange sharing system 100 is communicatively connected to multiple external market databases 10. The membership bonus point transaction exchange and sharing system 100 includes multiple point servers 110, a central server 120 and multiple user devices 130. Each point server 110 corresponds to the point issuing unit, that is, the point server 110 is the server of the point issuing merchant, and the point server 110 stores a plurality of point information, and is used for providing points The data is sent to the central server 120. Among them, the point information also includes the issuer user information, which indicates the points held by the user in the point issuing unit.

The user device 130 is a device used by the user, and is a networkable device, such as a personal computer or a smart phone. The user can connect to the central server 120 through the user device 130, and further input the user data and the publisher user data through the user device 130. In addition, the user device 130 is also suitable for sending a transaction request message or a transaction confirmation message to the central server for performing transactions of different points.

The central server 120 is the central computing device of the member bonus point transaction exchange and sharing system 100. Therefore, the central server 120 is communicatively connected to the point server 110 and the user device 130. In this embodiment, the central server 120 includes a data collection module 121, a point value calculation module 122, a user database, a transaction module 124, and a warning module 125.

The data collection module 121 is, for example, a web spider, which can automatically collect data on a web page. The data collection module 121 is suitable for collecting a plurality of market data from the market database 10. In this embodiment, the market database 10 is, for example, the FSC website, and the market data is credit card, cash card, electronic ticket, and electronic payment institution business information announced by the FSC. Further, the data collection module 121 extracts data on the number of users of each point issuing unit, data on the amount of agent receipts and payments, and data on the number of circulating merchants from the market data, which will be used as the basis for calculating the value of the points.

The point value calculation module 122 is adapted to calculate the point value conversion ratio based on the market data, that is, to calculate the value of the point. In this embodiment, the point value calculation module 122 calculates the data on the number of users, the amount of agent receipts and payments, and the number of circulating merchants obtained through the data collection module 121, and is based on each point issuing unit Calculation.

First, the point value calculation module 122 will first calculate the number of users data, the agent receipt and payment amount data, and the number of circulation merchants of all the point issuing units, and further obtain the total number of users data, the general agent receipt and payment amount data, and the total Data on the number of circulating merchants. Next, use the data of the total number of users, the data of the total agent receipts and payments, and the data of the total number of merchants in circulation to calculate the number of users of each point issuing unit Data on the percentage of points, the percentage of agent receipts and payments, and the percentage of the number of circulating merchants can be used to calculate the percentage of the point issuing unit in the calculation item.

After that, the points evaluation index of the unit is issued for each point. The specific calculation method is to multiply the data of the number of users in the point issuing unit by the first weight to obtain the first evaluation parameter; the amount of agency receipts and payments is accounted for The second evaluation parameter is obtained by multiplying the ratio data by the second weight; the third evaluation parameter is obtained by multiplying the data on the proportion of the number of circulating merchants by the third weight. Then, the first evaluation parameter, the second evaluation parameter and the third evaluation parameter are added together to obtain a point evaluation index. In this embodiment, the first weight, the second weight, and the third weight are between 0 and 1, which are determined through the analysis of hierarchy (AHP). In other embodiments, it can also be determined through the Delphi technique, factor analysis, or gray. The system theory determines the parameters of the first weight, the second weight and the third weight. In addition, the first weight, the second weight, and the third weight may be different values, indicating the importance of the corresponding parameters. In this embodiment, the first weight is 0.5; the second weight is 0.3; and the third weight is 0.2. And the total value of the first weight, the second weight, and the third weight must be 1.

In this embodiment, the calculated market data is three items (data on the number of users, data on agent receipts and payments, and data on the number of circulating merchants), so the weights are the same three items (first weight, second weight, and third weight) ), but not limited to this. Those with general knowledge in this field should know that different weights can be set according to different market materials. In addition, in this embodiment, the calculation is based on the electronic payment bonus points, so the market data selects data on the number of users, data on the amount of payment by agents, and data on the number of circulating merchants. In other embodiments, different types of data can be selected according to the category of the bonus point platform. For example, for credit card points, the market data can choose the number of cards issued, the amount of credit card, the number of circulating merchants, etc., and based on the above The analysis method determines the corresponding weight value.

Calculate each evaluation parameter based on the above-mentioned market data and weight of each point issuance unit, and further calculate the point evaluation index of each point issuance unit, and the ratio of the point evaluation index of the two point issuance units is the point Number conversion ratio. The point conversion ratio is the basis for users to trade points, that is, the exchange rate of points exchange between different point issuing units. Furthermore, the point value calculation module 122 will Collect market data regularly, and recalculate the point conversion ratio every time the market data is collected. Through regular update, it can reflect the value of each point in the market in real time, and give a better point conversion ratio.

The user database 123 stores multiple pieces of user data and receives point information. The user data is linked to the point information. These user data also include the user data of the issuer. The user database 123 can request the corresponding point data from the corresponding point server through the user data of the issuer, and combine the corresponding point information with the user data. Make an association.

In other words, when the user database 123 creates user data (such as user registration), the user provides the issuer user data (such as through identification code, account number, password, etc.), and the user database 123 can download Different point issuing units receive corresponding point information and integrate them in the user database 123, so that users can uniformly manage the points held by different point issuing units.

The transaction module 124 is adapted to generate at least one point transaction message to the corresponding point server 110, and the transaction message is generated according to the point conversion ratio. That is, when the central server 120 receives the transaction request message, it will send the transaction request message to the corresponding user device 130, and the user device 130 will send back a transaction confirmation message. After the central server 120 receives the transaction confirmation message, it generates the point transaction message according to the point conversion ratio, and then sends the point transaction message to the corresponding point server 110, so that the point server 110 further Adjust the point information.

In one embodiment, the user device 130 is further adapted to send a transaction request message to the central server 120. After the transaction module 124 receives the transaction request message, it compares the transaction request from other user devices 130 and compares it. The user device 130 closest to the requirement is selected, and the corresponding user data is sent to the user device 130. In other words, the user can obtain the user data of the object that meets his own transaction requirements by inputting his own transaction requirements, through the combination of the transaction module 124, and further issue a transaction request to the user.

The control module 125 monitors the point information corresponding to each point issuance unit, and calculates the total number of points information corresponding to each point issuance unit being traded in the trading module 124. Further, the control module 125 is to monitor the total number of transactions of point information corresponding to each point issuance unit within a certain period of time, such as a day or a week. The control module 125 also includes a plurality of total transaction volume thresholds, and the transaction volume thresholds are also corresponding to the point issuance unit. When the total number of points information corresponding to each point issuance unit is traded exceeds the transaction amount within a certain period of time If the amount threshold is set, the control module 125 will stop the transaction module 124 from trading corresponding point information.

In another embodiment, the control module 125 is further adapted to monitor the transaction request message and the transaction confirmation message received by the transaction module 124, and calculate the total amount of transaction points in a certain period of time for individual user information, for example One day or one week. The control module 125 also includes a personal transaction volume threshold. When the total number of transaction points within a certain period of time of a specific user information exceeds the personal transaction volume threshold, the control module 125 will send a warning message to the corresponding The user device 130 is stopped, and the transaction module 124 is stopped to execute the transaction request corresponding to the user information.

Specifically, when a user holds a different number of points in different point issuing units. The user can input his own user information and issuer user information through the user device 130, so that the central server 120 collects point data from each point server 110 based on the issuer user information, and associates it with the The user information of the user, so that the user can manage his own points on the membership bonus point exchange and sharing system 100.

Further, if the user needs to exchange points, a transaction request message can be sent, and the transaction module 124 will combine other users with corresponding needs and provide user information of both parties so that both parties can send transaction request messages. To further complete the point transaction.

Therefore, the member bonus point transaction exchange sharing system 100 of the present creation provides a platform for consumers to integrate and manage points from different point issuing units, and can exchange these points with other consumers. In addition, the member bonus points transaction exchange sharing system 100 can instantly adjust the value of each point according to market changes, and calculate the point value in a more objective way to ensure the rights and interests of both parties to the transaction. In addition, the member bonus point transaction exchange and sharing system 100 also has a control module 125 to control the point exchange, so as to avoid excessive transactions that may affect the value of the points.

The description of the present invention is as above, but it is not intended to limit the scope of the patent rights claimed in this creation. The scope of its patent protection shall be determined by the attached scope of patent application and its equivalent fields. Any person with ordinary knowledge in the field, without departing from the spirit or scope of this patent, makes changes or modifications that are equivalent changes or designs completed under the spirit of this creation, and should be included in the scope of the following patent application Inside.

10: Market database

100: Member bonus point transaction exchange sharing system

110: Point server

120: Central Server

121: Data Collection Module

122: Point value calculation module

123: User data

124: Trading Module

125: warning module

130: user device

Claims (4)

A member bonus point transaction exchange sharing system is connected to multiple external market databases. The member bonus point transaction exchange sharing system includes: multiple point servers, respectively corresponding to multiple point issuing units, the points The server is adapted to provide multiple points of information; and a central server, which is communicatively connected to the point server, the central server includes: a data collection module, adapted to collect multiple market data from the market database ; Point value calculation module, suitable for calculating the point conversion ratio based on the market data; a user database, storing multiple user data, and receiving the point information, the user data is related to the point Data information; and a transaction module, adapted to generate at least one point transaction message to the corresponding point server, the transaction message is generated according to the point conversion ratio; wherein the market data is each point Data on the number of users of the issuing unit, data on agent receipts and payments, and data on the number of circulating merchants; among them, the point value calculation module counts all the data on the number of users of the point issuing unit to obtain a total number of users data, and count all Obtain a general agent’s receipt and payment amount data from the point issuing unit’s agent receipt and payment amount data, and obtain a total number of circulating merchant data by counting all the circulating merchant quantity data of the point issuing unit; among them, the point value calculation module is based on The data on the total number of users, the data on the amount of receipts and payments of the general agent, and the data on the number of total circulation merchants are calculated to calculate the proportion of the number of users, the proportion of the amount of agency receipts and payments, and the proportion of the number of circulation merchants of the point issuing unit Ratio data; wherein, the point value calculation module multiplies the data of the proportion of the number of users by a first weight to obtain a first evaluation parameter, and multiplies the data of the proportion of agent receipts and payments by a second weight to obtain a The second evaluation parameter is to multiply the data of the proportion of the number of circulating merchants by a third weight to obtain a third evaluation parameter, and add The first evaluation parameter, the second evaluation parameter, and the third evaluation parameter are summed to obtain a point evaluation index, and the point evaluation index corresponds to the point issuing unit; among them, the point between the point issuing units is different The ratio of the number evaluation index is the point conversion ratio. For example, the member bonus point transaction exchange sharing system described in the first item of the scope of patent application, which also includes a plurality of user devices, which are communicatively connected to the central server and correspond to the user data, and the user device is suitable for Send a transaction request message or a transaction confirmation message to the central server. For example, the member bonus point transaction exchange sharing system described in item 1 of the scope of patent application, wherein the point server modifies the corresponding point information after receiving the point transaction message. For example, the member bonus points transaction exchange sharing system described in item 1 of the scope of patent application, wherein the data collection module collects the market data regularly, and each time the market data is collected, the point value calculation module recalculates the points Number conversion ratio.

Images