Electronic voucher purchase and payment system and method based on all-in-one card platform

Abstract

The invention discloses an electronic voucher purchase and payment system based on an all-in-one card platform. The system comprises an all-in-one smart card, a transaction terminal and an all-in-one card service platform, wherein the all-in-one card service platform is provided with a security certification system and a financial management system. The system of the invention is characterized in that the system is also provided with an electronic voucher management system, and the electronic voucher management system is provided with a voucher release management system, a voucher consuming management system and a voucher business database. The invention also discloses an electronic voucher purchase and payment method. The method mainly comprises the following four steps: establishing a business model, issuing a voucher, using the voucher and performing account settlement. The remarkable effects of the method of the invention are as follows: the operation cost of voucher promotion mode of merchants is reduced greatly; and the perfect electronic voucher management means is provided for merchants so that the merchants can control the voucher in all dimensions from source to using. The system is convenient to operate, is safe and reliable and has extremely high practicability.

Description

technical field [0001] The invention relates to the system management technology of an all-in-one card business platform, in particular, an electronic voucher consumption settlement system and method thereof based on an all-in-one card platform. Background technique [0002] With the development of the current society and the improvement of living standards, shopping has become indispensable in people's daily life, and business promotion activities are becoming more and more frequent. Consumption vouchers are an important way for business promotion activities. But traditional paper vouchers have several disadvantages: [0003] 1. Printing paper vouchers brings additional costs; [0004] 2. The inventory management of paper vouchers is inconvenient; [0005] 3. Customers need to carry it with them when using it, which is not very convenient, especially when there are many vouchers; [0006] 4. The use of paper vouchers has brought great pressure on the business management ...

AI Technical Summary

Problems solved by technology

[0003] 1. Printing paper vouchers brings additional costs;

[0004] 2. The inventory management of paper vouchers is inconvenient;

[0005] 3. Customers need to carry it with them when using it, which is not very convenient, especially when there are many vouchers;

[0006] 4. The use of paper vouchers has brought great pressure on the business management of merchants, and the cost of business clearing and liquidation is relatively high;

[0007] Through searching, it is found that Chinese patent application 200510022416.4 discloses a deduction method for electronic virtual currency between communication terminals. However, the terminal devices involved in this document only include mobile phones, computers, videophones and digital TV sets, and it is not a detailed description of the one-card system, while the patent only targets communication terminals. A brief description of the deduction method of the electronic virtual currency is carried out during the period, and the system integration and business data processing process under a specific application system are not disclosed. Organic integration between consumer business

[0008] Chinese patent application 200810201476.6 also discloses a local intelligent one-card personal consumption settlement system and its method. The patent document elaborates on the one-card intelligent management system, but the main technology disclosed in this document is to use the one-card smart card to complete the payment of utility bills , phone bills, payment of wages, and ordinary shopping and consumption settlement functions, it does not involve the management of voucher business, and there is no combination technology between electronic voucher business and conventional one-card consumption business

[0009] Proceeding from this reality, there is still a lack of an electronic voucher management system on the one-card business platform in the prior art, which makes the production cost of paper vouchers high, and it is inconvenient to carry and manage, while the virtual currency in other communication networks, Relatively speaking, the technology is not mature, and business promotion is also difficult

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