Point stored value risk management method

Abstract

The invention discloses a point stored value risk management method, which comprises the following steps that: a user purchases a stored value serial number from a consignment end and provides a mobile phone number to be bound, the consignment end initiates a purchase request and transmits the purchase request to a stored value platform, and the stored value platform selects the stored value serial number of a stored value point which accords with the purchase; and the mobile phone number bound with the stored value serial number is stored as a user purchase record, and the consignment end prints the stored value serial number and gives the stored value serial number to the user. The user executes the game application program, starts the value storage page and inputs the value storage serial number, the value storage platform compares the user purchase record according to the value storage serial number and the mobile phone number and confirms whether the value storage serial number and the mobile phone number conform to the user purchase record, and if yes, a value adding program is conducted on the application program in real time. If not, a delay entry point is executed, and then the game platform is notified to carry out the value adding program on the application program.

Description

Technical Field

[0001] The present invention relates to a method for purchasing and storing virtual point cards, in particular to a method for managing risk of storing points bound to a user's mobile phone. Background Art

[0002] Existing point top-up mechanisms typically require consumers to purchase a top-up code from a point top-up code vendor and then enter the code to top up their game. This method lacks security and effectiveness, potentially leading to various risks, including personal information leakage, account theft, credit card fraud, and non-receipt of top-up funds.

[0003] A scam among gamers exploits loopholes in existing top-up methods, using various pretexts and scams to obtain point card serial numbers, top-up passwords, mobile phone numbers, and any SMS passwords (authentication codes) from players through online social networks and messaging apps. Once the points are directly deposited, by the time players realize they've been scammed, they're unable to notify the issuer to lock their points, nor can they request a refund from the original purchaser.

[0004] Most of the existing delayed recharge methods are to postpone the recharge for a period of time, without distinguishing whether the recharge can be made immediately or needs to be delayed, which makes it inconvenient for players to play the game.

[0005] How to design a point storage risk management mechanism is an urgent issue for the issuers of stored value serial numbers. Summary of the Invention

[0006] The present invention provides a point storage risk management method. The game entry time of the point storage service can be delayed (for example, 48 hours), and is combined with a point fraud prevention and card locking platform. When players realize that they have been scammed by point fraud, they can use the point fraud prevention and card locking platform to lock their points. After the lock is successfully locked, they can bring the purchase receipt (invoice) and the product to the original purchase store for a refund.

[0007] A point stored-value risk management method of the present invention includes: a user purchases a stored-value serial number from a sales agent and provides the stored-value points to be purchased and the mobile phone number bound to the game application to be stored; the sales agent initiates a purchase request and transmits it to a stored-value platform, the purchase request including the user's mobile phone number, stored-value points, game application, and the sales agent; the stored-value platform selects a stored-value serial number that matches the game application and stored-value points, binds the stored-value serial number to the mobile phone number, associates it with the sales agent, stores it as a user purchase record, transmits the stored-value serial number back to the sales agent, and converts it into a stored-value serial number and gives it to the user.

[0008] The user executes the game application to open the top-up page and enter the top-up serial number. The top-up platform compares the top-up serial number and mobile phone number with the user's purchase record to confirm whether the top-up serial number and mobile phone number match the user's purchase record. If they match, a top-up procedure is performed on the application in real time; if not, a delayed entry point is executed and the game platform is notified to perform the top-up procedure on the application.

[0009] The value-added program adds value to the game account of the game application executed by the mobile phone corresponding to the mobile phone number, and completes the reconciliation and settlement between the sales agency, the value-added platform and the game platform.

[0010] The delayed entry point mechanism means delaying the recharging of game points for a period of time. This is to allow game players to delay for a period of time before recharging game points after purchasing a stored-value code from an agent.

[0011] For example, a player purchased a stored-value serial number due to a scam, hoping to trade with the scammer. However, after handing the stored-value serial number over to the scammer, the player did not receive the corresponding item, and the scammer disappeared. The player, alarmed by the scam, was fortunately able to use the present invention. Because the scammer used a different phone number when recharging the stored-value serial number than the one used when purchasing it, the system implemented a delayed access mechanism for this stored-value serial number. If the player calls the system before the delayed access time to request a card lock, the stored-value serial number can be prevented from being used. The player can then return to the purchase location with proof of purchase for a refund.

[0012] For example, consider Daming, a devoted player of a mobile application (or app). A recent game ranking event is underway, and Daming is highly interested in the virtual treasures offered as prizes for the top five players. Therefore, Daming pre-purchases a 100,000-point top-up code (worth NT$100,000) to participate in the ranking event. Daming then contacts a regular game studio to purchase the code. The studio then asks Daming for his mobile phone number during the purchase process. Through the sales process, Daming acquires 100,000 game points and binds them to his mobile phone number. Daming then uses the 100,000-point top-up code to top up the game points on the app's point top-up platform. If the platform verifies that the mobile phone number used to install the app matches the number Daming provided when purchasing the game, the top-up is processed immediately. If they are different, the deposit will be made through the delayed entry point (48h)-cancellation mechanism of the deposit platform. Daming will start the game level upgrade and ranking event 48 hours after the deposit. After the game is over, Daming will successfully obtain the corresponding activity reward virtual treasure. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 1 is a system block diagram of the point stored value risk management method of the present invention;

[0014] Figure 2 is a schematic block diagram of a stored value platform of the present invention;

[0015] Figure 3 This is the process of selling stored value serial numbers in the point stored value risk management method of the present invention;

[0016] Figure 4 This is the stored value sequence number stored value process of the point stored value risk management method of the present invention;

[0017] Figure 5 This is the OTP process of the point storage risk management method of the present invention.

[0018] Explanation of the accompanying symbols: 10 - mobile phone; 20 - game platform; 30 - sales agency device; 40 - stored value platform; 41 - comparison unit; 42 - delay unit; 43 - point fraud prevention and card locking platform; 44 - risk assessment unit; 45 - database; 100 - system of point stored value risk management method; A10-A40 - stored value serial number sales process of the point stored value risk management method; A100-A200 - stored value serial number storage process of the point stored value risk management method. DETAILED DESCRIPTION

[0019] The present invention is described in detail below with reference to the accompanying drawings and examples. The same reference numerals are used in the drawings and the following description to refer to the same or similar parts. Although several illustrative embodiments are described herein, modifications, adaptations, and other implementations are possible. For example, the components and steps shown in the drawings may be replaced, added, or modified, and the illustrative methods described herein may be modified by replacing, reordering, removing, or adding steps to the disclosed methods. Therefore, the following detailed description is not limited to the disclosed embodiments, and the scope of the invention is defined by the claims.

[0020] Throughout this specification, terms such as "unit," "device," "terminal," "server," or "system" refer to a combination of hardware and software executed by the corresponding hardware. For example, the hardware may be a data processing device, such as a mobile device or personal computer with a built-in central processing unit or other processor. Furthermore, software executed by the hardware refers to the executed program, object, executable file, thread, or program.

[0021] Those skilled in the art should have general knowledge of computer structure and organization and will understand that the present invention is not limited to the form of these computers or the network connection architecture. The stored value platform and gaming platform of the present invention can be composed of multiple computers, as long as they provide corresponding functions. The computer includes a processor, a memory module connected to the processor, and a server network interface. The processor can be used to execute an operating system and application programs stored in the memory, including a database management system (DBMS), a web server, and / or a web application server, to implement the various steps mentioned in the embodiments of the present invention. The entire present invention can be implemented through a website platform, an application program (APP), or other means.

[0022] Figure 1 and Figure 2 The system 100 of the present invention shows a method for managing risk of stored-value points, which includes: a sales agent 30 connected to a stored-value platform 40, the sales agent 30 including an input unit for sending a purchase request to the stored-value platform 40 and a printing unit for printing a stored-value serial number to the user; a mobile phone 10 connected to the stored-value platform 40 via the Internet, the mobile phone 10 including a game application, the user transmitting the stored-value serial number, game account number and / or mobile phone number to the stored-value platform 40 through the stored-value interface of the game application; the stored-value platform 40 receiving the purchase request; The stored-value platform 40 selects a matching stored-value serial number from the database 45 of the stored-value platform 40 according to the purchase request and transmits it back to the sales agent device 30, and stores the mobile phone number bound to the stored-value serial number or the purchase request as a user purchase record; the stored-value platform 40 further includes a comparison unit 41, which compares the mobile phone number and the stored-value serial number transmitted by the mobile phone 10 to see if they match the user purchase record. If so, the stored-value platform 40 sends a stored-value notification to the game platform 20; the game platform 20 is connected to the stored-value platform 40 by telecommunications and adds value to the game account according to the stored-value notification.

[0023] The purchase request includes the user's mobile phone number, stored-value points, game application, and distributor.

[0024] The recharge notification includes the user's mobile phone number, recharge points, and game application.

[0025] In one embodiment, upon receiving the top-up notification, the game platform 20 tops up the game account of the game application executed on the mobile phone 10 corresponding to the mobile phone number included in the purchase request.

[0026] The stored-value platform 40 further includes a delay unit 42. The comparison unit 41 compares the stored-value serial number and the mobile phone number transmitted by the user in the stored-value interface of the game application executed on the mobile phone 10. If the serial number does not match the user's purchase record, the stored-value platform 40 sends a delayed entry point notification to the delay unit 42. The delay unit 42 executes a delayed entry point and notifies the game platform 20 to add value to the game account of the game application according to a delay time.

[0027] In a system of a point stored value risk management method of the present invention, the stored value platform 40 also includes a point anti-fraud card locking platform 43. The stored value platform 40 receives a card locking instruction sent by the user on the point anti-fraud card locking platform 43, and determines whether the card locking instruction is sent within the delay time of the delayed entry point. If so, the stored value platform 40 locks the stored value serial number and does not perform the recharge procedure.

[0028] Furthermore, the purchase request also includes the IP address and game account of the user executing the game application.

[0029] The stored value serial number corresponds to a stored value point and a game application.

[0030] The database 45 includes several stored-value serial numbers, user purchase records, first-generation sales terminal information, game platform information, a risk rating list, and a verification record.

[0031] In one embodiment of the present invention, the recharge notification further includes increasing the game account points according to the recharge points, or the game platform 20 delivers virtual items (such as virtual treasures) of equal value to the game account of the game application.

[0032] In one embodiment of the present invention, the stored-value platform 40 further includes a risk assessment unit 44 , which assesses the risk level of the distributor, the gaming platform 20 , and the telephone number according to a risk assessment method, and stores the risk assessment list in the database 45 .

[0033] The risk assessment method includes assessing the risk level of the sales agent, game platform 20, and telephone number based on customer complaints, breach of contract, lawsuits, etc. in a historical transaction record.

[0034] In one embodiment, the comparison unit 41 confirms a risk rating of the sales agent and / or the game platform 20 according to the risk rating list. If the risk rating of the sales agent and / or the game platform 20 is higher than or equal to a threshold, the stored value platform 40 executes a delayed entry point and then notifies the game platform 20 to add stored value points.

[0035] The distribution end device 30 includes a computer, a tablet, a mobile phone, a smart watch, such as a personal computer (PC), a mobile terminal or the like.

[0036] In a point stored value risk management method of the present invention, the stored value serial number selling process is as follows: Figure 3 As shown, a user executes a game application issued by a game platform 20 on a mobile phone 10. The game application requires the use of game points. The method includes: A10. The user purchases a stored-value serial number corresponding to the game application issued by the stored-value platform 40 from the distributor, and provides the stored-value points to be purchased and the mobile phone number to be bound or the mobile phone number to be used to store the game application; A20. The distributor initiates a purchase request on the distributor device 30, and the distributor device 30 uses the application programming interface (API) to interface) transmits a purchase request to the stored-value platform 40, the purchase request including the mobile phone number, stored-value points, game application, and sales agent; A30. The stored-value platform 40 receives the purchase request, selects a stored-value serial number that matches the game application and stored-value points stored in the database 45 of the stored-value platform 40, and stores the mobile phone number and / or the related sales agent bound to the stored-value serial number as a user purchase record in the database 45; A40. The stored-value platform 40 returns the stored-value serial number to the sales agent device 30 of the sales agent, and the printing unit of the sales agent device 30 prints the stored-value serial number to the user, thus completing the stored-value serial number sales process.

[0037] The purchase request further includes a timestamp when the purchase request is initiated.

[0038] The stored-value serial number also includes a personal identification number (PIN).

[0039] The database 45 stores multiple stored-value serial numbers of different denominations for several game applications. These stored-value serial numbers correspond to stored-value points of different denominations, such as 100000, 10000, 1000, etc., or stored-value points set by the game platform 20.

[0040] The printing unit of the sales agent device 30 prints the stored value serial number in a manner including printing, transfer, barcode, etc., but is not limited thereto.

[0041] In one embodiment, the sales agent device 30 may also transmit a stored-value serial number to the user's mobile phone.

[0042] In one embodiment, the stored-value platform 40 receives a purchase request and compares the agent data in the database 45 to determine whether the agent is a qualified agent and the remaining purchase amount of the agent.

[0043] The distributor binds the distributor device 30 and records it in the distributor data, which is then stored in the database 45 .

[0044] In a point storage risk management method of the present invention, the storage sequence number storage process is as follows: Figure 4 As shown, a user executes a game application with a game account on a mobile phone 10, and the method includes: A100. The user opens a stored-value page in the game application and enters a stored-value serial number, and the game application transmits the game account, stored-value serial number or / and mobile phone number, and the game platform 20 to which the game application belongs to the stored-value platform 40; A110. The comparison unit 41 of the stored-value platform 40 extracts the game platform data from a database 45, verifies whether the game application or / and the game platform 20 conforms to the record in the game platform data, and stops the stored-value process if it does not conform; A120. If it conforms, the user is allowed to continue to operate the stored-value page, and the user enters a stored-value serial number provided by a generation end on the stored-value page; A130. Further, the comparison unit 41 compares the stored-value serial number or / and mobile phone number are compared with the user purchase records in the database 45 to confirm whether the stored-value serial number and / or mobile phone number are consistent with the user purchase record. If not, the stored-value process is stopped; A140. If it is consistent, the comparison unit extracts the sales agency associated with the stored-value serial number, and confirms the risk rating of the sales agency by comparing it with the risk rating list in the database 45; A150. If the risk rating of the sales agency is lower than a threshold, the stored-value platform 40 sends a stored-value notification to the game platform 20, and proceeds to step A200; A160. If the risk rating of the sales agency is higher than or equal to the threshold, the stored-value platform 40 executes a delayed entry point and then sends a stored-value notification to the game platform 20; step A200. The game platform 20 receives the stored-value notification, and adds stored-value points according to the game account of the game application; and completes the adding procedure.

[0045] After completing the top-up process, the gaming platform 20 records the cancellation record and stores it in the database 45 .

[0046] The game platform 20 completes the value-added procedure and sends a reconciliation notification to the sales agent, the stored-value platform 40 and the game platform 20 .

[0047] Step A110. If the game application and / or the game platform 20 does not match the data recorded in the game platform 20, the recharge process is stopped and a warning signal is sent back to the game application.

[0048] Step A130 . If the stored-value serial number and mobile phone number do not match the previous purchase record, the stored-value platform 40 marks the stored-value serial number and / or mobile phone number as abnormal, records the abnormality report and stores it in the database 45 .

[0049] In one embodiment of the present invention, Figure 5As shown, the steps further include A160a. If the risk rating of the sales agent is higher than or equal to the threshold, step A170 is executed, and the stored-value platform 40 transmits an OTP verification (one-time password) to the mobile phone number for verification. If the OTP verification is successful, step A200 is executed; if the OTP verification fails, step A180 is executed, and the stored-value platform executes a delayed entry point.

[0050] Delaying the entry point can delay the storage platform 40 notifying the gaming platform 20 to add the storage points. The delay time includes 24 hours, 48 ​​hours, or can be set by the administrator.

[0051] In one embodiment of the present invention, Figure 5 As shown, step A180 follows step A190, and the stored-value platform 40 receives a card lock instruction sent by the user at the one-point anti-fraud card lock platform 43, and determines whether the card lock instruction sending time is within the delay time of the delayed entry point. If so, the stored-value platform 40 locks the stored-value serial number and does not perform the recharge procedure.

[0052] In the above process, if not, the stored-value platform 40 sends a card lock failure message to the point fraud prevention card lock platform 43 .

[0053] The game platform data includes a list of cooperating game platforms and verification methods for game applications provided by the game platform 20.

[0054] The input methods of the stored value page also include taking photos and scanning.

[0055] In one embodiment of the present invention, if the user is executing the game application on an electronic device with a fixed IP address (Internet Protocol Address), then in step A10, an IP address can be used instead of the mobile phone number, and the stored-value serial number is bound to the IP address where the game application is to be executed.

[0056] In the above embodiment, the stored-value platform 40 compares the user's purchase records in the database 45 according to the stored-value serial number and IP address, and executes the top-up procedure after confirming that the stored-value serial number and IP address match the records of the previous purchase. The stored-value platform 40 notifies the game platform 20 to add stored-value points to the game account of the game application according to the IP address.

[0057] In one embodiment of the present invention, step A10 may also be that the user chooses to replace the mobile phone number with the user's game account, and bind the stored-value serial number to the game account to execute the game application.

[0058] In the above embodiment, the stored-value platform 40 compares the stored-value serial number and the game account with the user's purchase records in the database 45, confirms that the stored-value serial number and the game account match the records of the previous purchase, and then executes the top-up procedure. The stored-value platform 40 notifies the game platform 20 to top up the stored-value points of the game account according to the game application.

[0059] In one embodiment of the present invention, a point stored-value risk management method includes: a sales-end device 30 initiates a purchase request for a user to purchase stored-value points, and the sales-end device 30 transmits the purchase request to a stored-value platform 40, wherein the purchase request includes a mobile phone number of the user, a game application, and stored-value points; the stored-value platform 40 receives the purchase request, selects a stored-value serial number that matches the game application and stored-value points from a database 45, and transmits it back to the sales-end device 30, further, binds the stored-value serial number to the purchase request, and stores it as a user purchase record in the database 45; the user executes the game application on the mobile phone 10 to open the game application, and the stored-value serial number is bound to the purchase request. The stored-value interface is opened and a stored-value sequence number is entered. The mobile phone 10 connects to the stored-value platform 40 via the Internet. The game application sends the stored-value sequence number and game account to the stored-value platform 40. The stored-value platform 40 receives the stored-value sequence number, retrieves the user's purchase record from the database 45, and compares the stored-value sequence number with the user's purchase record. If so, the stored-value platform 40 notifies a game platform 20 to add stored-value points to the game account. If not, the stored-value platform 40 sends a warning message to the stored-value interface and implements a delayed entry. Delayed entry means that the stored-value platform 40 delays for a period of time before notifying the game platform 20 to add stored-value points to the game account.

[0060] When the stored-value platform 40 receives the stored-value serial number, it also sends an OTP verification to the mobile phone number according to the purchase request for verification. If the OTP verification is passed, the stored-value serial number is compared to see if it matches the user's purchase record process. If the verification fails, the delayed entry point is executed.

[0061] The purchase request also includes a sales agent. The stored-value platform 40 compares the risk rating of the sales agent with a risk rating (risk assessment) list in the database. If the risk rating is higher than a threshold, the stored-value platform 40 executes a delayed entry point.

[0062] When a user realizes that he has been subjected to point fraud, he can go to the point fraud prevention card lock platform 43 to lock the stored value serial number before the delay time of delaying the entry point. The stored value platform 40 notifies the game platform 20 not to add value to the stored value serial number.

[0063] In a point storage risk management method of the present invention, when a user realizes that he or she has suffered point fraud, he or she can go to the point anti-fraud card locking platform 43 to lock the storage serial number before the delay time of delayed entry. After the lock is successful, the user can bring the purchase receipt (invoice) and the product to the original sales agency for a refund.

[0064] While certain exemplary embodiments and implementations have been described herein, other embodiments and modifications will be apparent from the description. Accordingly, the inventive concept is not limited to such exemplary embodiments, but rather to the broader scope of the claims and various obvious modifications and equivalent arrangements.

Claims

1. Points recharge risk management methods, including: The first-generation sales terminal device initiates a purchase request for the user to purchase stored-value points to the stored-value platform, and the purchase request includes the user's mobile phone number, game application and stored-value points; The stored-value platform receives the purchase request, selects a stored-value serial number from the database that matches the game application and stored-value points, and transmits it back to the sales agent device. The stored-value serial number is bound to the purchase request and stored as a user purchase record in the database. The user runs the game application on the mobile phone, opens the top-up interface and enters the top-up serial number. The mobile phone connects to the top-up platform via the Internet, and the game application sends the top-up serial number and a game account to the top-up platform. The stored-value platform receives the stored-value serial number, extracts the user's purchase record from the database, and compares the stored-value serial number to the user's purchase record; and If it matches the user's purchase record, the stored value platform will notify the game platform and add stored value points according to the game account.

2. The point stored value risk management method of claim 1, further comprising: upon receiving the stored value serial number, the stored value platform transmits an OTP verification to the mobile phone number of the purchase request for verification; if the OTP verification fails, a delayed entry is executed, wherein the delayed entry means that the stored value platform delays for a period of time before notifying the gaming platform to add stored value points to the gaming account.

3. The point stored value risk management method according to claim 1, wherein: The purchase request also includes a sales agent. The stored-value platform compares the risk rating of the sales agent with the risk rating list in the database. If the risk rating is higher than the threshold, the stored-value platform will execute a delayed entry point. The delayed entry point means that the stored-value platform will delay for a period of time before notifying the game platform to add stored-value points to the game account.

4. The point stored value risk management method according to claim 3, wherein: The stored-value platform assesses the risk level based on the historical transaction records of the distributor and stores the risk rating list in the database.

5. The point stored value risk management method according to claim 3, wherein: The stored-value platform extracts the agent data from the database according to the agent, compares whether the agent is a qualified agent or / and a remaining purchase amount, and decides whether to approve the purchase request based on the qualified agent and / or the remaining purchase amount.

6. The point stored value risk management method according to claim 1, wherein: If the stored-value platform receives a card lock instruction from the user on the One-Point Anti-Fraud Card Lock Platform before adding value, the stored-value platform will lock the stored-value serial number and will not allow the stored-value serial number to be added.

7. The point stored value risk management method according to claim 1, wherein: When a user executes a recharge on a game application on a mobile phone, the game application sends the recharge serial number and the mobile phone number of the game application to the recharge platform, and the recharge platform notifies the game platform to add recharge points to the game account of the game application based on the mobile phone number.

8. The point stored value risk management method according to claim 1, wherein: The purchase request also includes an IP address, and the stored value serial number is bound to the IP address where the game application is to be executed. The stored value platform notifies the game platform to add stored value points to the game account of the game application according to the IP address.

9. The point stored value risk management method according to claim 1, wherein: The purchase request also includes the game account and the game account bound to the stored value serial number. The stored value platform notifies the game platform to add stored value points based on the game account.

10. The point stored value risk management method according to claim 1, wherein: The stored value platform verifies whether the game application is an officially authorized game application according to the verification method for the game application provided by the game platform.

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