TWI858886B - Points issuance method, points issuance server unit and client for points issuance - Google Patents

Abstract

A point issuance server unit includes a communication module, a storage module, and a processing module. The processing module transmits a point coin generation request to a blockchain system so that the blockchain system generates the point coins in a point account. After obtaining a point issuance event, the processing module transmits a coin issuance transaction request indicating that a point coin to be rewarded is transferred from the point account to a target account to the blockchain system so that the blockchain system transfers the point coin to be rewarded from the point account to the target account. After receiving a point redemption request, the processing module determines whether there is a redemption transaction record in the blockchain system. When the processing module determines that there is a redemption transaction record, the processing module approves the point redemption request.

Description

Points issuance method, points issuance server unit and client for points issuance

The present invention relates to a point issuance method, in particular to a point issuance method using blockchain technology, a point issuance server unit, and a client for point issuance.

Nowadays, banks often issue various points as a marketing tool to enhance customer loyalty. Customers accumulate points through business dealings or interactions with banks and redeem them. Although the point mechanism can increase customer stickiness to a certain extent, the current point issuance mechanism uses banks as the main intermediary for point issuance and transactions, and there is room for improvement.

Blockchain technology provides features such as "decentralization", "immutability", "traceability" and "encryption security", which can establish a more solid trust mechanism and reduce costs compared to the centralized transaction model mediated by financial institutions. It also makes transaction information real, transparent and traceable, and records transaction data in chronological order. Therefore, it is necessary to propose a solution to improve the current point issuance mechanism.

Therefore, one purpose of the present invention is to provide a point issuance method that is decentralized, immutable, traceable, and cryptographically secure.

Therefore, the point issuance method of the present invention is implemented by a point issuance server unit, which is connected to a blockchain system and multiple clients corresponding to multiple clients via a communication network. The point issuance server unit stores multiple account information related to the accounts used by the clients in the blockchain system. The point issuance method includes the following steps: (A) by the point issuance server unit (B) after the point issuance service unit obtains a point issuance event corresponding to a target customer, the point issuance service unit calculates a point coin to be rewarded according to the point issuance event, and sends an instruction to transfer the point coin to be rewarded from the point account. (C) after the point issuance servo unit receives a point redemption request from the target client and including a point redemption request for point coins to be redeemed, the point issuance servo unit determines whether there is an indication from the target client that the point redemption request is received by the point issuance servo unit. The target account transfers the point coins to be redeemed to the point account; and (D) when the point issuance server unit determines that the redemption transaction record exists, the point issuance server unit approves the point redemption request and sends a point coin deletion request indicating the deletion of the point coins to be redeemed to the blockchain system, so that the blockchain system deletes the point coins to be redeemed in the point account.

Another purpose of the present invention is to provide a point issuance method that is decentralized, immutable, traceable, and cryptographically secure.

Therefore, the point issuance method of the present invention is implemented by a client corresponding to a client, the client is connected to a blockchain system and a point issuance server unit via a communication network, the point issuance server unit stores account information related to the account used by the client in the blockchain system, and the point issuance method includes the following steps: (A) the client sends a business request to the point issuance server unit, so that the point issuance service unit obtains a point issuance event corresponding to the customer, calculates a point coin to be refunded according to the point issuance event, and transmits a coin issuance transaction request to the blockchain system indicating that the point coin to be refunded is transferred from the point account to the account corresponding to the customer, thereby causing the blockchain system to transfer the point coin to be refunded from the point account to the account corresponding to the customer; (B) by the The client sends a redemption transaction request indicating that a point coin to be redeemed is transferred from its account to the point account to the blockchain system, so that the blockchain system transfers the point coin to be redeemed from the account corresponding to the client to the point account; (C) the client sends a point redemption request including the point coin to be redeemed to the point issuance server unit, so that the point issuance server unit determines whether the blockchain system is Whether there is a redemption transaction record indicating that the point coins to be redeemed are transferred from the target account to the point account, and when the point issuance servo unit determines that the redemption transaction record exists, the point issuance servo unit approves the point redemption request and sends a point coin deletion request indicating that the point coins to be redeemed are deleted to the blockchain system, thereby causing the blockchain system to delete the point coins to be redeemed in the point account.

Another purpose of the present invention is to provide a point issuance service unit that is decentralized, immutable, traceable, and encrypted.

Therefore, the point issuance service unit of the present invention is connected to a blockchain system and multiple clients corresponding to multiple clients via a communication network. The point issuance service unit includes a communication module connected to the communication network, a storage module storing account information related to multiple accounts used by the clients in the blockchain system, and a processing module electrically connected to the communication module and the storage module.

The processing module is used to transmit a point coin generation request related to a plurality of point coins to the blockchain system via the communication module, so that the blockchain system generates the point coins in a point account. After the processing module obtains a point issuance event corresponding to a target customer, the processing module calculates a point coin to be rewarded according to the point issuance event, and transmits a coin issuance transaction request indicating that the point coin to be rewarded is transferred from the point account to the target account corresponding to the target customer to the blockchain system via the communication module, so that the blockchain system transfers the point coin to be rewarded from the point account to the target account corresponding to the target customer. Target account, after the processing module receives a point redemption request from the target client via the communication module and includes a point coin to be redeemed, the processing module determines whether the blockchain system has a redemption transaction record indicating that the point coin to be redeemed is transferred from the target account to the point account. When the processing module determines that the redemption transaction record exists, the processing module approves the point redemption request and transmits a point coin deletion request indicating that the point coin to be redeemed is deleted to the blockchain system via the communication module, so that the blockchain system deletes the point coin to be redeemed in the point account.

Another purpose of the present invention is to provide a client for issuing points that is decentralized, immutable, traceable, and cryptographically secure.

Therefore, the client end for point issuance of the present invention corresponds to a client and is connected to a blockchain system and a point issuance server unit via a communication network. The point issuance server unit stores account information related to the account used by the client in the blockchain system. The client end includes a communication module connected to the communication network, and a processing module electrically connected to the communication module. The processing module is used to transmit a business request to the point issuance service unit via the communication module, so that the point issuance service unit obtains a point issuance event corresponding to the customer, calculates a point coin to be refunded according to the point issuance event, and transmits an instruction to transfer the point coin to be refunded from the point account to the corresponding account of the customer. The processing module is further used to transmit a redemption transaction request to the blockchain system via the communication module, indicating that a redemption transaction request is sent from the account to the point account to enable the blockchain system to transfer the point coins to be redeemed from the point account to the corresponding account of the customer. The processing module is further used to transmit a point redemption request including the point coins to be redeemed to the point account through the communication module, so that the point issuance service unit determines whether there is an instruction in the blockchain system to transfer the point coins to be redeemed from the target account to the point account. The redemption transaction record of the point account, and when the point issuance server unit determines that the redemption transaction record exists, the point issuance server unit approves the point redemption request and sends a point coin deletion request indicating the deletion of the point coin to be redeemed to the blockchain system, thereby causing the blockchain system to delete the point coin to be redeemed in the point account.

The utility of the present invention is that: the point issuance service unit transmits a point coin generation request related to a plurality of point coins to the blockchain system, so that the blockchain system generates the point coins in a point account, and transfers the point coins to be rewarded from the point account to the target account through the blockchain system to issue points to the customer, and deletes the point coins to be redeemed in the point account through the blockchain system to redeem points. Thus, the issuance and redemption of points are completed through the blockchain system, and are decentralized, immutable, traceable, and encrypted.

Before the present invention is described in detail, it should be noted that similar components are represented by the same numbers in the following description.

Referring to FIG. 1 , an embodiment of the point issuance method of the present invention is implemented by a point issuance system, which is connected to a blockchain system 4 via a communication network 200, and the point issuance system includes a point issuance service unit and a plurality of clients 5 corresponding to a plurality of clients and connected to the point issuance service unit via the communication network 200.

The blockchain system 4 may be an existing large-scale public blockchain system, such as Ethereum. The customers have registered accounts available for use in the blockchain system 4 in advance.

The point issuance server unit is, for example, a point issuance server group and includes an online banking server 1, a marketing server 2, and a point issuance server 3 connected to the online banking server 1 and the marketing server 2 via the communication network 200.

The network banking server 1 includes a communication module 11 connected to the communication network 200, a storage module 12 for storing account information related to multiple accounts used by the customers in the blockchain system 4, and a processing module 13 electrically connecting the communication module 11 and the storage module 12. Each account information is, for example, a wallet address.

The marketing server 2 includes a communication module 21 connected to the communication network 200, and a processing module 22 electrically connected to the communication module 21.

The point issuing server 3 includes a communication module 31 connected to the communication network 200, and a processing module 32 electrically connected to the communication module 31.

In this embodiment, the point issuance server unit is owned by a point issuer and includes the online banking server 1, the marketing server 2 and the point issuance server 3. However, in other embodiments, the online banking server 1, the marketing server 2 and the point issuance server 3 can also be integrated into one server or split into four or more servers, but not limited to this. Each client 5 is, for example, a client device, and can be a personal computer, a laptop, a tablet computer or a smart phone, etc.

The following will illustrate an embodiment of the point issuance method of the present invention with the help of the attached diagrams. This will illustrate the operation between the various components of the point issuance system and the blockchain system 4. The point issuance method includes a point distribution procedure, a point redemption procedure, a point pledge procedure, a point transfer procedure, and a marketing procedure.

The point distribution procedure explains how to distribute points. Since the point distribution service unit distributes points to each client 5 in a similar manner, the following only describes one of the target clients 5A among the clients 5.

Refer to Figure 1 and Figure 2, the points distribution process includes the following steps.

In step 61, the processing module 32 of the point issuance server 3 transmits a point coin generation request related to a plurality of point coins to the blockchain system 4 via its communication module 31.

In step 62, after the blockchain system 4 receives the point coin generation request, the blockchain system 4 generates the point coins in a point account, and writes a point coin generation record indicating that the point coins are generated in a point account into the distributed ledger of the blockchain system 4. The point account is the account of the point issuer, and the point coins are, for example, homogeneous point tokens.

In step 63, after the processing module 13 of the online banking server 1 triggers a point reward event in response to a service request from the target client 5A, the processing module 13 of the online banking server 1 transmits a point issuance event including the account information of the target client 5A and a reward condition to the point issuance server 3 via its communication module 11. The service request of the target client 5A may be, for example, sending a binding request corresponding to the target client and including the account information of the target client 5A to the online banking server 1 to bind the account information of the target client 5A to the mobile online banking APP corresponding to the online banking server 1, or sending a deposit request to the online banking server 1 to obtain a point reward. Different service requests correspond to different reward conditions, but are not limited to the reward method disclosed in the present invention. It is worth mentioning that after the processing module 13 of the online banking server 1 receives the account information of the target client 5A through its communication module 11, the processing module 13 of the online banking server 1 stores the account information corresponding to the target client in its storage module 12.

In step 64, after the processing module 32 of the point issuance server 3 receives the point issuance event through its communication module 31 to obtain the point issuance event, the processing module 32 of the point issuance server 3 calculates a point coin to be returned according to the point issuance event, and transmits a coin issuance transaction request to the blockchain system 4 indicating that the point coin to be returned is transferred from the point account to the target account corresponding to the target customer. It is worth mentioning that the processing module 32 of the point issuance server 3 calculates the point coins to be rewarded according to the reward conditions of the point issuance event using a preset calculation rule. For example, a first predetermined number of point coins to be rewarded is given corresponding to the reward conditions of the binding request, and a second predetermined number of point coins to be rewarded is given corresponding to the reward conditions of the fixed deposit request.

In step 65, after the blockchain system 4 receives the coin issuance transaction request, the blockchain system 4 transfers the points to be rewarded from the point account to the target account, and writes a coin issuance transaction record indicating the transfer of the points to be rewarded from the point account to the target account into the distributed ledger of the blockchain system 4.

The point redemption procedure explains how to redeem points. Since the point redemption procedure for each client 5 is similar, the following only describes one of the target clients 5A.

Refer to Figure 1 and Figure 3, the points redemption process includes the following steps.

In step 71, the target client 5A sends a redemption transaction request to the blockchain system 4 indicating a transfer of a point coin to be redeemed from its target account to the point account.

In step 72, after the blockchain system 4 receives the redemption transaction request, the blockchain system 4 transfers the point coins to be redeemed from the target account to the point account, and writes a redemption transaction record indicating the transfer of the point coins to be redeemed from the target account to the point account into the distributed ledger of the blockchain system 4.

In step 73, the target client 5A sends a point redemption request including the point coins to be redeemed to the point issuing server 3.

In step 74, after the processing module 32 of the point issuance server 3 receives the point redemption request via its communication module 31, the processing module 32 of the point issuance server 3 determines whether the blockchain system 4 has a redemption transaction record indicating that the point coins to be redeemed are transferred from the target account to the point account. When the processing module 32 of the point issuance server 3 determines that the redemption transaction record exists, the process proceeds to step 75; when the processing module 32 of the point issuance server 3 determines that the redemption transaction record does not exist, the process ends.

In step 75, the processing module 32 of the point issuance server 3 approves the point redemption request and transmits a point coin deletion request to the blockchain system 4 via its communication module 31, indicating that the point coin to be redeemed is deleted from the point account.

In step 76, after the blockchain system 4 receives the point coin deletion request, the blockchain system 4 deletes the point coin to be redeemed in the point account, and writes a redemption deletion record indicating that the point coin to be redeemed is deleted from the point account into the distributed ledger of the blockchain system 4. In this way, the total amount of point coins issued is kept constant.

The point pledge procedure explains how to pledge points to generate point reward. Since the point pledge procedure for each client 5 is similar, the following only describes one of the target clients 5A.

Refer to Figure 1 and Figure 4. The point pledge procedure includes the following steps.

In step 81, the target client 5A sends a pledge transaction request to the blockchain system 4 indicating that a pledged point coin is to be transferred from its target account to the pledge account.

In step 82, after the blockchain system 4 receives the pledge transaction request, the blockchain system 4 transfers the points to be pledged from the target account to the pledge account, and writes a pledge transaction record indicating the transfer of the points to be pledged from the target account to the pledge account into the distributed ledger of the blockchain system 4.

In step 83, the target client 5A sends a point redemption request including a point coin to be redeemed to the point issuing server 3.

In step 84, after the processing module 32 of the point issuance server 3 receives a point redemption request from the target client 5A via its communication module 31 and includes a point coin to be redeemed, the processing module 32 of the point issuance server 3 determines whether the blockchain system 4 has a pledge transaction record indicating that the point coin to be redeemed is transferred from the target account to a pledge account. When the processing module 32 of the point issuance server 3 determines that the pledge transaction record exists, the process proceeds to step 85; when the processing module 32 of the point issuance server 3 determines that the pledge transaction record does not exist, the process ends. It is worth mentioning that the processing module 32 of the point issuance server 3 determines whether the amount of point coins to be pledged transferred from the target account to the pledge account is greater than or equal to the amount of point coins to be redeemed, so as to determine whether there is a pledge transaction record. Since the target customer may only want to redeem part of the point coins, as long as the amount of point coins to be redeemed is not greater than the amount of point coins to be pledged, the target customer can redeem it.

In step 85, the processing module 32 of the point issuance server 3 transmits a redemption transaction request to the blockchain system 4 via its communication module 31, indicating that the redemption points and a corresponding reward are transferred from the pledge account to the target account.

In step 86, after the blockchain system 4 receives the redemption transaction request, the blockchain system 4 calculates a reward point coin as the reward according to the redemption point coin of the redemption transaction request and the pledge time of generating the pledge transaction record, and transfers the redemption point coin and the reward point coin from the pledge account to the target account, and transfers the redemption point coin and the reward point coin to the target account. A redemption transaction record indicating that the redeemed point coin and the bonus point coin are transferred from the pledge account to the target account is written into the distributed ledger of the blockchain system 4, and the bonus point coin is deleted from the point account, and a reward deletion record indicating that the bonus point coin is deleted from the point account is written into the distributed ledger of the blockchain system 4. In this way, the total amount of point coins issued is kept constant.

The point transfer procedure explains how to transfer points. Since the point transfer procedure for each client 5 is similar, the following only describes one target client 5A and one transferee client 5 among the clients 5.

Refer to Figure 1 and Figure 5. The point transfer process includes the following steps.

In step 91, the target client 5A sends a transfer transaction request to the blockchain system 4 indicating that a transfer of points from its target account to a corresponding transferee account of a transferee client is required.

In step 92, after the blockchain system 4 receives the transfer transaction request, the blockchain system 4 transfers the transferable points from the target account to the transferee account, and writes a transfer transaction record indicating the transfer of the transferable points from the target account to the transferee account into the distributed ledger of the blockchain system 4.

The marketing process explains how to conduct precise remarketing of the business. Since the marketing process for each client 5 is similar, the following will only describe one of the target clients 5A among the clients 5.

Referring to Figures 1 and 6, the marketing process includes the following steps.

In step 101, the marketing server 2 queries the target customer's asset information in the target account based on the target customer's account information.

In step 102, the marketing server 2 generates a marketing plan corresponding to the asset information of the target customer based on the asset information of the target customer using a marketing logic for generating a marketing plan based on an input asset.

In summary, the point issuance method of the present invention is to issue points to the customer by having the point issuance service unit transmit a point coin generation request related to a plurality of point coins to the blockchain system 4, so that the blockchain system 4 generates the point coins in a point account, and transfers the point coins to be rewarded from the point account to the target account through the blockchain system 4, and The blockchain system 4 deletes the point coins to be redeemed in the point account to redeem the points. In this way, the issuance and redemption of points are completed through the blockchain system 4, which has decentralization, immutability, traceability and encryption security. In addition, the blockchain system 4 generates the pledge transaction record based on the redemption transaction request of the point coins to be redeemed and the pledge transaction record. During the transaction, a reward point coin is calculated as the reward, and the point coin to be redeemed and the reward point coin are transferred from the pledge account to the target account, so that the customer can obtain the corresponding reward by pledging the tokens already obtained. Furthermore, after receiving the transfer transaction request, the blockchain system 4 transfers the point coin to be transferred from the target account to the transferee account to provide Customers can freely transfer points to centralize the use of points. In addition, through the target customer's account information, the target customer's asset information contained in the target account (such as the number/market value of homogeneous tokens held, the number/market value of NFTs) is queried to analyze the customer's on-chain asset appearance and integrate the industry's analytical data for precise business remarketing, so the purpose of this invention can be achieved.

However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the patent of the present invention.

1: Internet banking server

2: Marketing Server

3: Points issuance server

11, 21, 31: Communication module

12: Storage module

13, 22, 32: Processing module

4: Blockchain system

5: Client

5A: Target Clients

200: Communication network

61~65: Steps

71~76: Steps

81~86: Steps

91~92: Steps

101~102: Steps

Other features and functions of the present invention will be clearly presented in the implementation method with reference to the drawings, wherein: FIG. 1 is a block diagram illustrating a point issuance system of an embodiment of the point issuance method of the present invention connected to a blockchain system via a communication network; FIG. 2 is a flow chart illustrating a point distribution procedure of an embodiment of the point issuance method of the present invention; FIG. 3 is a flow chart illustrating a point redemption procedure of an embodiment of the point issuance method of the present invention; FIG. 4 is a flow chart illustrating a point pledge procedure of an embodiment of the point issuance method of the present invention; FIG. 5 is a flow chart illustrating a point transfer procedure of an embodiment of the point issuance method of the present invention; and FIG. 6 is a flow chart illustrating a marketing procedure of an embodiment of the point issuance method of the present invention.

1: Internet banking server

2: Marketing Server

3: Points issuance server

11, 21, 31: Communication module

12: Storage module

13, 22, 32: Processing module

4: Blockchain system

5: Client

5A: Target Clients

200: Communication network

Claims (12)

A point issuance method is implemented by a point issuance server group. The point issuance server group is connected to a blockchain system and a plurality of client devices corresponding to a plurality of clients via a communication network. The point issuance server group stores a plurality of account information related to accounts used by the clients in the blockchain system. The point issuance method comprises the following steps: (A) the point issuance server group transmits a point coin generation request related to a plurality of point coins to the blockchain system so that the blockchain system generates the point coins in a point account; (B) the point issuance server group obtains a point coin generation request corresponding to a plurality of point coins; After a point issuance event of a target customer, the point issuance server group calculates a point coin to be refunded according to the point issuance event, and sends a coin issuance transaction request indicating that the point coin to be refunded is transferred from the point account to the target account corresponding to the target customer to the blockchain system, so that the blockchain system transfers the point coin to be refunded from the point account to the target account; (C) after the point issuance server group receives a point redemption request from the target client device and including a point coin to be redeemed, the point issuance server group determines whether the blockchain system has an indication from the target client device that the point coin to be refunded is transferred from the point account to the target account; The target account transfers the points to be redeemed to a pledge transaction record of a pledge account; (D) when the point issuance server group determines that the pledge transaction record exists, the point issuance server group sends an instruction to transfer the points to be redeemed and a corresponding reward from the pledge account to the target account. (E) the redemption transaction request of the user is sent to the blockchain system, so that the blockchain system calculates a reward point coin as the reward based on the point coin to be redeemed and the pledge time of generating the pledge transaction record, and transfers the point coin to be redeemed and the reward point coin from the pledge account to the target account; (E) in the point coin After receiving a point redemption request from a target client device and including a point coin to be redeemed, the point issuing server group determines whether the blockchain system has a redemption transaction record indicating that the point coin to be redeemed is transferred from the target account to the point account; and (F) when the point issuing server group determines that the redemption transaction record exists, the point issuing server group approves the point redemption request and sends a point coin deletion request indicating that the point coin to be redeemed is deleted to the blockchain system, so that the blockchain system deletes the point coin to be redeemed in the point account. The point issuance method as described in claim 1, wherein in step (F), the point issuance server group transmits the redemption transaction request to the blockchain system, and also causes the blockchain system to delete the bonus point coin from the point account. The point issuance method as described in claim 1, after step (D), further comprises the following steps: (G) querying the target customer's asset information in the target account by the point issuance server group based on the target customer's account information; and (H) generating a marketing plan corresponding to the target customer's asset information by the point issuance server group using a marketing logic for generating a marketing plan based on an input asset correspondence based on the target customer's asset information. A point issuance method is implemented by a client device corresponding to a customer, the client device is connected to a blockchain system and a point issuance server group via a communication network, the point issuance server group stores account information related to an account used by the customer in the blockchain system, and the point issuance method comprises the following steps: (A) the client device sends a business request to the point issuance server group so that the point issuance server group obtains a point issuance event corresponding to the customer, and calculates a point coin to be refunded according to the point issuance event, and sends a coin issuance transaction request to instruct the transfer of the point coin to be refunded from the point account to the account corresponding to the customer. The blockchain system transfers the points to be rewarded from the points account to the corresponding account of the client; (B) the client device transmits a pledge transaction request to the blockchain system indicating that a point to be pledged is transferred from its account to the pledge account, so that the blockchain system transfers the point to be pledged from the corresponding account of the client. (C) transmitting a point redemption request including a point to be redeemed to the point issuing server group through the client device, so that the point issuing server group determines whether there is a pledge transaction record indicating that the point to be redeemed is transferred from the account corresponding to the client to a pledge account, and When the point issuance server group determines that the pledge transaction record exists, the point issuance server group sends a redemption transaction request indicating that the redeemed point coins and a corresponding reward are transferred from the pledge account to the corresponding account of the customer to the blockchain system, thereby causing the blockchain system to generate a redemption transaction record based on the redeemed point coins and the pledge transaction record. (D) sending a redemption transaction request from the client device to the blockchain system indicating that a transaction of redeeming the points from the client account to the points account is transferred to the blockchain system, so that the blockchain system can automatically The client's corresponding account transfers the point coins to be redeemed to the point account; and (E) the client device transmits a point redemption request including the point coins to be redeemed to the point issuing server group, so that the point issuing server group determines whether there is an indication in the blockchain system that the point coins to be redeemed are transferred from the account corresponding to the client. The redemption transaction record to the point account, and when the point issuing server group determines that the redemption transaction record exists, the point issuing server group approves the point redemption request and sends a point coin deletion request indicating the deletion of the point coin to be redeemed to the blockchain system, thereby causing the blockchain system to delete the point coin to be redeemed in the point account. As described in claim 4, the blockchain system is also connected to another client device corresponding to another client via a communication network, and the point issuance server group also stores another account information related to the account used by the other client in the blockchain system. After step (A), the following steps are also included: (F) The client device transmits a transfer transaction request indicating a transfer of a point coin to be transferred from its account to the account corresponding to the other client to the blockchain system, so that the blockchain system transfers the point coin to be transferred from the account corresponding to the client to the account corresponding to the other client. The point issuance method as described in claim 4, before step (A), further includes the following step: (G) transmitting a binding request including the account information to the point issuance server group by the client device, so that the point issuance server group stores the account information corresponding to the client. A point issuance server group is connected to a blockchain system and a plurality of client devices corresponding to a plurality of clients via a communication network. The point issuance server group comprises: a communication module connected to the communication network; a storage module storing account information related to a plurality of accounts used by the clients in the blockchain system; a processing module electrically connected to the communication module and the storage module and used to transmit a point coin generation request related to a plurality of point coins to the blockchain system via the communication module, so that the blockchain system generates the point coins in a point account, and the processing module obtains After a point issuance event corresponding to a target customer, the processing module calculates a point coin to be returned according to the point issuance event, and transmits a coin issuance transaction request indicating that the point coin to be returned is transferred from the point account to the target account corresponding to the target customer to the blockchain system through the communication module, so that the blockchain system transfers the point coin to be returned from the point account to the target account. After the processing module receives a point redemption request from the target client device through the communication module and including a point coin to be redeemed, the processing module determines whether the blockchain system has a point redemption request. There is a pledge transaction record indicating that the target account transfers the point coins to be redeemed to a pledge account. When the processing module determines that the pledge transaction record exists, the processing module transmits a redemption transaction request indicating that the point coins to be redeemed and a corresponding reward to the target account from the pledge account to the blockchain system via the communication module, so that the blockchain system calculates a reward point coin as the reward based on the point coins to be redeemed and the pledge time of generating the pledge transaction record, and transfers the point coins to be redeemed and the reward point coin from the pledge account to the target account. After the processing module receives a point redemption request from a target client device via the communication module and including a point coin to be redeemed, the processing module determines whether the blockchain system has a redemption transaction record indicating that the point coin to be redeemed is transferred from the target account to the point account. When the processing module determines that the redemption transaction record exists, the processing module approves the point redemption request and transmits a point coin deletion request indicating that the point coin to be redeemed is deleted to the blockchain system via the communication module, so that the blockchain system deletes the point coin to be redeemed in the point account. The point issuance server group as described in claim 7, wherein the processing module transmits the redemption transaction request to the blockchain system via the communication module, and also causes the blockchain system to delete the bonus point coins from the point account. The point issuance server group as described in claim 7, wherein, for each customer, the processing module queries the customer's asset information in the account according to the customer's account information, and for each customer, the processing module generates a marketing plan corresponding to the customer's asset information by using a marketing logic for generating a marketing plan according to an input asset correspondence based on the customer's asset information. A client device for point issuance corresponds to a client and is connected to a blockchain system and a point issuance server group via a communication network. The point issuance server group stores account information related to an account used by the client in the blockchain system. The client device includes: a communication module connected to the communication network; a processing module electrically connected to the communication network; The communication module is used to send a business request to the point issuance server group through the communication module, so that the point issuance server group obtains a point issuance event corresponding to the customer, calculates a point coin to be refunded according to the point issuance event, and sends a coin issuance instruction to transfer the point coin to be refunded from the point account to the account corresponding to the customer. The processing module is further used to transmit a pledge transaction request to the blockchain system via the communication module, indicating that a pledged point coin is transferred from the account to the pledged account, so that the blockchain system transfers the point coin to be pledged from the point account to the corresponding account of the customer. The processing module is further used to transmit a point redemption request including a point to be redeemed to the point issuing server group via the communication module, so that the point issuing server group determines whether there is a pledger in the blockchain system indicating that the point to be redeemed is transferred from the account corresponding to the customer to a pledge account. When the point issuing server group determines that there is a pledge transaction record, the point issuing server group sends a redemption transaction request to the blockchain system, indicating that the redeemed points and a corresponding reward are transferred from the pledge account to the corresponding account of the customer, and the blockchain system then processes the redemption transaction based on the redeemed points and the pledge transaction record. The processing module is further used to transmit a redemption transaction request to the blockchain system via the communication module, indicating that a transaction of points to be redeemed from the account is transferred to the points account, so that the blockchain The blockchain system transfers the point coins to be redeemed from the account corresponding to the customer to the point account. The processing module is also used to transmit a point redemption request including the point coins to be redeemed to the point issuing server group via the communication module, so that the point issuing server group determines whether there is an indication in the blockchain system that the point coins to be redeemed are transferred from the account corresponding to the customer. The point issuance server group will check the redemption transaction record of the point coin to the point account, and when the point issuance server group determines that the redemption transaction record exists, the point issuance server group will approve the point redemption request and send a point coin deletion request indicating the deletion of the point coin to be redeemed to the blockchain system, thereby causing the blockchain system to delete the point coin to be redeemed in the point account. As described in claim 10, the client device for point issuance, the blockchain system is also connected to another client device corresponding to another client via a communication network, the point issuance server group also stores another account information related to the account used by the other client in the blockchain system, wherein the processing module is also used to transmit a transfer transaction request indicating a transfer of a point coin to be transferred from its account to the account corresponding to the other client to the blockchain system via the communication module, so that the blockchain system transfers the point coin to be transferred from the account corresponding to the client to the account corresponding to the other client. The client device for point issuance as described in claim 10, wherein the processing module is also used to transmit a binding request including the account information to the point issuance server group via the communication module, so that the point issuance server group stores the account information corresponding to the customer.

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