System and method of coupon payment

Abstract

The invention discloses a system and a method of coupon payment. The system comprises a coupon management module, a non-contact communicating module, a coupon calculation module and a financial account module, wherein the coupon management module stores coupon data. The non-contact communicating module is configured as follows: reading the coupon data from the coupon management module; receiving original payment amount from the exterior; sending the read coupon data and the original payment amount to the coupon calculation module; acquiring used coupon data and final payment amount from the coupon calculation module; communicating with the financial account module to perform payment treatment according to the final payment amount; communicating with the coupon management module according to the used coupon, so that the coupon management module cannot reuse the used coupon. The coupon calculation module is configured as follows: determining the used coupon according to the coupon data and the original payment amount, and calculating the final payment amount.

Description

technical field [0001] The present invention relates to electronic payments, and more particularly to coupon payment systems and methods. Background technique [0002] The current electronic coupons generally have two forms of use, one is the coupons in the form of graphics and texts pushed through mobile phone text messages or mobile phone built-in clients. Coupons are stored in the form of electronic carriers (such as QR codes), and the information of such coupons is identified at the merchant through the payment terminal. [0003] The above two methods only involve the reading and identification of coupons at the merchant side, which are separated from the payment behavior of the coupons. [0004] There is following shortcoming in prior art: [0005] The coupon payment system has poor performance. When the coupon is not used directly and a discount or reduction is required on the payment amount, the exchange of the coupon and the payment of the payment amount are indep...

AI Technical Summary

Problems solved by technology

[0005] Poor coupon payment system performance

When the coupon is not used directly and a discount or reduction is required on the payment amount, the exchange of the coupon and the payment of the payment amount are independent, and it is necessary to manually calculate the discount amount based on the coupon information before initiating the payment action, resulting in a complicated payment process , less efficient

[0006] The coupon payment system is not scalable, for example, limited functionality due to the difficulty of obtaining statistics on coupon usage

[0007] The coupon payment system is less secure, for example, it is difficult to prevent counterfeit coupons, or it is difficult to prevent a coupon from being used multiple times

Images