A voucher issuance and redemption system for integrating a plurality of promoters

Abstract

This invention provides a coupon issuance and redemption system integrating multiple promotional parties. It includes an integrated platform built via a processing unit of a coupon issuance and redemption server, which is communicatively connected to an electronic device located at each merchant and a user interface module. The coupon issuance and redemption server includes multiple electrically connected hardware circuits configured as multiple modules, including: a coupon issuance module, a communication module, a coupon recommendation module, an order generation module, a difference payment module, and a coupon payment module.

Claims

1. A coupon issuance and redemption system integrating multiple promotional parties, comprising an integrated platform built via a processing unit of a coupon issuance and redemption server, wherein the coupon issuance and redemption server is communicatively connected to an electronic device located at each merchant and a user interface module; wherein the coupon issuance and redemption server includes multiple hardware circuits electrically connected to each other, configured as multiple interconnected modules for exchanging information with each other, the modules including: A coupon issuance module is configured to perform the following steps: The integration platform determines the total coupon amount, which is guaranteed by at least one of funds from the integration platform and credit lines provided by a third party; It determines the priority weight of each promoter to the integration platform and establishes a mapping relationship between the coupon and the corresponding set of discount items, where each discount item corresponds to a merchant's product or service, based on the needs of each promoter; It determines the coupon amount obtained by each promoter based on the priority weight, and determines the discount amount corresponding to each discount item for each promoter's corresponding merchant's product or service; It then determines the number of coupons for each promoter's corresponding merchant's product or service discount item, thereby generating a plurality of coupons corresponding to each merchant; Finally, it distributes the coupons allocated to each promoter to each user's user coupon account. An order generation module: When the coupon issuance and redemption server receives a first message generated by a user interface module based on the user's selection, it generates a difference payment order and a coupon face value payment order. The difference payment order is the difference between the amount of the goods or services corresponding to at least one coupon that the user wishes to redeem and the face value of the at least one coupon. The coupon face value payment order is the face value of the at least one coupon. A difference payment module: It processes payments from a payer to a payee based on the difference payment order confirmed by the user interface module and at least one of the electronic devices located at various merchants. A difference payment request is initiated by generating the difference payment order generated by the coupon issuance and redemption server through a verified difference payment module. And a coupon payment module, which processes payments from a card issuer to an acquirer based on a coupon payment order; the coupon payment module generates a coupon payment order generated by the coupon issuance and redemption server after the identities of the card issuer and the acquirer are verified, thereby initiating a coupon payment request; wherein the user interface module is connected to the coupon issuance and redemption server and connected to the difference payment module and the coupon payment module.

2. The system as described in claim 1, wherein the coupon issuance module further comprises performing the following steps: determining the coupon amount to be obtained by each promoter based on the priority weight set, and performing a promoter allocation operation, including: The system provides multiple coupon denomination options for selected merchants in each promotional allocation operation. The promotional allocation operation selects selected merchants and their corresponding coupon denominations to determine the discount denomination corresponding to the discount item for the product or service of the selected merchant, thereby determining the number of coupons for the discount item corresponding to each merchant's product or service received by each promotional party. After receiving the promotional allocation operation, a coupon issuance request is issued according to the promotional allocation operation to generate a plurality of coupons corresponding to each merchant.

3. The system as described in claim 1, wherein the coupon issuance and redemption server further comprises: A communication module obtains regional information and near-field communication (NFC) tag information located at various merchants via the user's mobile device through a coupon issuance and redemption server using Wi-Fi or SIM roaming. Each NFC tag information includes merchant information and merchant coupon redemption conditions. A coupon recommendation module obtains a set of coupon denominations from the user's coupon account based on a consumption pattern, the regional information, the merchant information, and the merchant's redemption conditions, and notifies the user of the coupon with the highest denomination. A consumption pattern evaluation module is used to determine the consumption pattern of the corresponding user, and this consumption habit evaluation module is trained using at least one algorithm based on user information, including user regional information records, user merchant consumption records, or the user's commonly used payment methods.

4. The system as described in claim 3, wherein the coupon payment module further includes a verification and conversion module, which verifies whether the coupon information is valid; if the coupon information is valid, the verification and conversion module converts the coupon transaction information into payment information including a virtual credit card number corresponding to the promotional party generated based on a primary credit card number, and transmits the payment information to the acquiring party; the acquiring party verifies whether the payment information is valid, and if the payment information is valid, pays the amount of the discount corresponding to the at least one coupon to the merchant corresponding to the at least one coupon.

5. The system as described in claim 1, wherein the coupon information includes: The payment module comprises a promoter identification code, coupon redemption information, and credit card authorization information converted from a transaction code by a coupon issuance and redemption server. The coupon redemption information includes coupon verification information and coupon transaction information. The verified payment module further includes a verification and conversion module that performs the following steps: verifying the validity of the promoter identification code, coupon redemption information, and credit card authorization information; if the promoter identification code, coupon redemption information, and credit card authorization information are valid, converting the coupon transaction information into payment information including a virtual credit card number generated from a primary credit card number corresponding to the promoter; and the acquiring party verifying the validity of the payment information. If the payment information is valid, the acquiring party pays the merchant corresponding to the at least one coupon the amount of the discount corresponding to the at least one coupon.

6. The system as described in claim 1 further includes an authentication server connected to the coupon issuance and redemption server, the authentication server receiving complete credit card information transmissions from the coupon issuance and redemption server, generating a unique scepter corresponding to the complete credit card information and a portion of the complete credit card information by the authentication server, and storing the unique scepter and the portion of the complete credit card information in a storage database.

7. The system as described in claim 1, wherein: The difference payment module processes payments from the payer to the payee based on the difference payment order confirmed by at least one of the user interface module and the electronic device of each merchant; and each difference payment module is connected to at least one of a plurality of credit card payment gateways via an application programming interface communication protocol. The application programming interface communication protocol defines multiple required information contained in the payment APIs from the multiple credit card payment gateways and verifies a unique scepter stored in a database corresponding to the credit card information to connect the multiple credit card payment gateways and enable the credit card payment gateway that allows the difference payment order. The difference payment module is... The coupon issuance and redemption server is activated based on at least one of the frequently used credit cards selected by the user through the user interface module. The difference payment module is generated after the identities of the payer and the payee are verified. The verified difference payment module compares a portion of the complete credit card information with the corresponding portion of the complete credit card information in the stored database through a verification and conversion module. If the portion of the complete credit card information is valid, the verified difference payment module generates the difference payment order confirmed by the coupon issuance and redemption server, thereby initiating the difference payment request.

8. The system as described in claim 4, wherein the communication module is further provided to establish a connection with the electronic devices located at each merchant and the electronic devices of the promoter located at the promoter via at least an NFC tag with the coupon issuance and redemption server; wherein the verification and conversion module is further provided to match each virtual credit card number generated from the main credit card number with each promoter; wherein the verification and conversion module is further provided to confirm whether the coupon information of the coupons issued by each merchant is valid; wherein the verification and conversion module confirms whether the portion of the complete information of the credit card corresponding to each promoter is valid; wherein the coupon issuance module is further provided to confirm whether the credit limit currently allocated to each promoter is lower than the initially allocated credit limit.

9. The system as described in claim 1, wherein the difference payment module is further configured to process payment from a payer to a payee based on the difference payment order confirmed by at least one of the user interface module and the electronic device of each merchant when the difference is greater than 0; wherein each difference payment module is connected to at least one of a plurality of payment gateways via an application programming interface communication protocol, the application programming interface communication protocol defining multiple required information contained in the payment API from the plurality of payment gateways, each difference payment module is selectively enabled according to the user's commonly used payment method and is generated after the identities of the payer and the payee are verified, and the difference payment order generated by the order generation module is generated through the verified difference payment module to initiate a difference payment request.

10. The system as described in claim 1, wherein the coupon payment module is further configured to process a payment from an issuer to an acquirer based on a coupon payment order when the difference is greater than 0 or less than or equal to 0, and the coupon payment module is connected to a plurality of payment gateways via an application programming interface communication protocol, wherein the application programming interface communication protocol defines the required information, including the coupon information, contained in the payment APIs from the plurality of payment gateways; the coupon payment module initiates a coupon payment request by generating a coupon payment order generated by the coupon issuance and redemption server after the identities of the issuer and the acquirer are verified.

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