Business system and method based on point exchange and electronic equipment

Abstract

The invention discloses a business system and method based on point exchange and electronic equipment, which are used for solving the problems that a business system based on bank credit card point exchange in the prior art cannot meet the market demand with great competition pressure at present and cannot support colorful channel intervention. Comprising a receiving module and an integral management module. The receiving module is used for receiving the to-be-exchanged data; the point management module is used for setting point rules between data of different channels and points; when the to-be-exchanged data is received, determining a source channel of the to-be-exchanged data; determining a target integral rule from the plurality of integral rules according to the source channel; and performing point exchange on the to-be-exchanged data according to the target point rule.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a business system, method and electronic device based on point redemption. Background Art

[0002] The credit card points redemption business is a system based on the bank's credit card function expansion. Credit card points redemption is a marketing activity in which the bank gives cardholders corresponding points based on factors such as the amount of consumption after the cardholder uses the credit card for consumption. The cardholder can use these points to redeem various goods, services or rights.

[0003] However, the business system based on bank credit card points exchange in the existing technology cannot meet the current market demand with great competitive pressure, and cannot support rich and colorful channel intervention. Summary of the Invention

[0004] This application provides a business system, method, and electronic device based on point redemption to address the problem that existing business systems based on bank credit card point redemption cannot meet the current market demand with high competitive pressure and cannot support a variety of channel interventions. The specific implementation plan is as follows:

[0005] In a first aspect, the present application provides a business system based on point redemption, the system comprising: a receiving module, a point management module;

[0006] The receiving module is used to receive the data to be exchanged;

[0007] The points management module is used to set the points rules between data and points from different channels; when the data to be redeemed is received, the source channel of the data to be redeemed is determined; based on the source channel, the target points rule is determined from multiple points rules; and based on the target points rule, the data to be redeemed is redeemed for points.

[0008] Through the above-mentioned application embodiment, since the points management module in the business system sets the points rules between data and points from different channels, it is possible to determine the target points rules corresponding to the data to be exchanged from the points rules based on the source channel of the data to be exchanged, so as to facilitate the points exchange of the data to be exchanged according to the target points rules. In this way, even if the data to be exchanged comes from different channels, it can be exchanged according to the points rules set by the points management module, thereby solving the problem in the prior art that the business system based on bank credit card points exchange cannot support the intervention of a variety of channels, so as to meet the needs of the current highly competitive market.

[0009] In a possible implementation, the system further includes: a registration and login module;

[0010] The registration and login module is used to register and set a login password based on the personal information of a new user, and to authenticate the user through the personal information; to log in based on a registered account password; and to log in based on third-party account information.

[0011] In a possible implementation, the system further includes: a user information management module;

[0012] The user information management module is used to view and modify the user's personal information, as well as to review and manage the user's information.

[0013] In a possible implementation, the system further includes: a points query module;

[0014] The points query module is used to view the credit card points information in real time after the user logs into the system; wherein, the points information includes the points balance, points acquisition record, and points validity period; the points acquisition record is displayed in chronological order, and the points acquisition record includes the consumption time, consumption amount, and points acquired.

[0015] In one possible implementation, the points management module is further used to monitor the user's credit card consumption data in real time according to the points rules, and calculate and update the user's points balance based on the consumption data; wherein the consumption data is received through synchronization with the bank's transaction system.

[0016] In a possible implementation, the points management module is further configured to freeze or unfreeze the user's points and record freezing and unfreezing records.

[0017] In a second aspect, the present application further provides a points redemption method, which is applied to a business system based on points redemption, comprising:

[0018] When receiving the data to be exchanged, determining the source channel of the data to be exchanged;

[0019] According to the source channel, a target scoring rule is determined from pre-set scoring rules between data and scores from different channels;

[0020] According to the target points rule, the data to be redeemed is redeemed for points.

[0021] In one possible implementation, the method further includes:

[0022] Through the registration and login module, registration is performed based on the new user's personal information and the login password is determined, and identity authentication is performed through the personal information; and login is performed based on the registered account password or third-party account information.

[0023] In one possible implementation, the method further includes:

[0024] Through the user information management module, you can view and modify the user's personal information, as well as review and manage the user's information.

[0025] In one possible implementation, the method further includes:

[0026] Through the points query module, after the user logs into the system, the credit card points information can be viewed in real time; wherein, the points information includes the points balance, points acquisition record, and points validity period; the points acquisition record is displayed in chronological order, and the points acquisition record includes the consumption time, consumption amount, and points acquired.

[0027] In one possible implementation, the method further includes:

[0028] The points management module monitors the user's credit card consumption data in real time according to the points rules, and calculates and updates the user's points balance based on the consumption data; wherein the consumption data is received through synchronization with the bank's transaction system.

[0029] In one possible implementation, the method further includes:

[0030] The points management module freezes or unfreezes the user's points and records the freezing and unfreezing records.

[0031] In a third aspect, the present application provides an electronic device, comprising:

[0032] Memory for storing computer programs;

[0033] The processor is used to implement the above-mentioned points redemption method steps when executing the computer program stored in the memory.

[0034] In a fourth aspect, the present application provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the above-mentioned points redemption method steps are implemented.

[0035] For each of the above-mentioned aspects from the second to the fourth aspects and the technical effects that may be achieved by each of the aspects, please refer to the above-mentioned description of the technical effects that can be achieved by the first aspect or various possible solutions in the first aspect, and no further details will be given here. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 A schematic diagram of the structure of a business system based on point redemption provided in an embodiment of the present application Figure 1 ;

[0037] Figure 2 A schematic diagram of the structure of a business system based on point redemption provided in an embodiment of the present application Figure 2 ;

[0038] Figure 3 A schematic diagram of the structure of a business system based on point redemption provided in an embodiment of the present application Figure 3 ;

[0039] Figure 4 A schematic diagram of the data association relationship between business systems based on point redemption provided in an embodiment of the present application;

[0040] Figure 5 A schematic diagram of an application scenario of a business system based on point redemption provided in an embodiment of the present application;

[0041] Figure 6 A flowchart of a points redemption method provided in an embodiment of the present application;

[0042] Figure 7 A schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0043] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail with reference to the accompanying drawings. The specific operating methods in the method embodiments can also be applied to device embodiments or system embodiments. It should be noted that in the description of the present application, "multiple" is understood as "at least two". "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent the following three situations: A exists alone, A and B exist at the same time, and B exists alone. A is connected to B, which can represent the following two situations: A is directly connected to B and A is connected to B through C. In addition, in the description of the present application, words such as "first" and "second" are only used to distinguish the purpose of description, and cannot be understood as indicating or implying relative importance, nor can they be understood as indicating or implying order.

[0044] The embodiments of the present application are described in detail below with reference to the accompanying drawings.

[0045] Credit card points redemption includes points acquisition, redemption methods and channels.

[0046] Among them, the ways to obtain points include accumulated consumption, specific transaction rewards, and points for participating in activities.

[0047] The aforementioned consumption accumulation is one of the main ways to earn points. Generally, cardholders earn points for every certain amount of spending, though different banks have different rules for accumulating points. For example, China Merchants Bank typically earns one point for every 20 RMB or 2 USD spent, while Bank of Communications earns one point for every 1 RMB spent.

[0048] These specific transaction rewards can be earned through bonus points programs offered by banks for specific consumption scenarios or merchants. For example, spending on designated online shopping platforms, using credit cards to refuel, or purchasing air tickets can earn you double or even higher points.

[0049] Points earned from participating in the above activities can also be obtained through various point reward activities held by the bank from time to time, such as points awarded for meeting credit card swiping requirements, multiple points earned during birthday months, and points awarded for recommending new users to apply for credit cards.

[0050] The above redemption methods and channels have different redemption methods for different channels.

[0051] For example, for the bank's official website channel, you can log in to the bank's official website, browse the redeemable goods and services in the credit card points redemption area, and follow the prompts to complete the redemption.

[0052] For mobile banking application software (English: Application, abbreviated as App) channels, points redemption operations can be performed at the points redemption entrance within the APP.

[0053] For the WeChat official account channel, you can first follow the bank’s WeChat official account. Then, after binding your credit card, you can find the points redemption entrance in the relevant menu of the official account to perform the points redemption operation.

[0054] For the customer service telephone channel, you can call the bank's customer service number and, through manual service or voice prompts, tell the customer service staff the gifts or services you want to redeem, and then complete the points redemption according to the customer service's instructions.

[0055] However, the business system based on bank credit card points exchange in the existing technology cannot meet the current market demand with great competitive pressure, and cannot support rich and colorful channel intervention.

[0056] Therefore, the present application proposes a business system based on point exchange, which includes a point management module. The point management module is used to set the point rules between data and points from different channels, so that when receiving the data to be exchanged, the target point rules corresponding to the source channel of the data to be exchanged are determined from the point rules between data and points from different channels, and then the points are exchanged for the data to be exchanged according to the target point rules. In this way, even if the data to be exchanged comes from different channels, it can be exchanged according to the point rules set by the point management module, thereby solving the problem in the prior art that the business system based on bank credit card point exchange cannot support the intervention of a variety of channels, so as to meet the current market demand with great competitive pressure.

[0057] In the embodiment of the present application, the business system based on point redemption can be designed using a three-tier architecture, which includes a presentation layer, a business logic layer, and a data access layer.

[0058] The presentation layer is responsible for interacting with users and can include web interfaces, mobile application interfaces, and other content. The business logic layer is responsible for processing the business logic of the system (e.g., a points-based redemption business system), such as points calculation and order processing. The data access layer is responsible for interacting with the database to implement operations such as adding, deleting, modifying, and searching (i.e., adding, deleting, modifying, and querying) data.

[0059] Based on the business system of the above hierarchical structure, refer to Figure 1 The structure diagram of a business system based on point redemption provided by an embodiment of the present application is shown. The business system includes a receiving module 101 and a point management module 102.

[0060] The receiving module 101 is used to receive data to be exchanged, such as the consumption amount.

[0061] The points management module 102 is used to set the points rules between data and points from different channels; when receiving data to be redeemed, it determines the source channel of the data to be redeemed; based on the source channel, it determines the target points rule from multiple points rules; based on the target points rule, it redeems points for the data to be redeemed.

[0062] For example, the points management module 102 sets the points rule between data from the first channel and points as the first points rule, the points rule between data from the second channel and points as the second points rule, and the points rule between data from the third channel and points as the third points rule. If the source channel of the data to be redeemed received by the points management module 102 is the first channel, the first points rule among the multiple points rules is determined as the target points rule, and points are redeemed for the data to be redeemed according to the target points rule (i.e., the first rule), thereby allowing users to redeem points for preset gifts, services, etc.

[0063] In the embodiment of the present application, the points rules between data and points from different channels can be exactly the same, partially the same, or completely different, and can be flexibly set according to the specific application scenario.

[0064] For example, if the data is the amount of consumption, then the points rules can include the exchange ratio of the consumption amount to the points, such as 1 point for every 1 yuan spent. In the exchange ratio of the consumption amount to the points, the exchange ratio of the consumption amount to the points of channel A can also be set to be the ratio of the first value to the second value (such as 1:1), the exchange ratio of the consumption amount to the points of channel B can be set to be the ratio of the third value to the fourth value (such as 1:2), the exchange ratio of the consumption amount to the points of channel C can be set to be the ratio of the fifth value to the sixth value (such as 2:3), and the exchange ratio of the consumption amount to the points of channel D can also be set to be the ratio of the fifth value to the sixth value (such as 2:3), but it is not limited to this. The exchange ratio of the consumption amount to the points of different channels can be flexibly adjusted according to the specific application scenario.

[0065] The above-mentioned first value, second value, third value, fourth value, fifth value, and sixth value can be the same (such as completely the same or partially the same) or different (such as completely different or partially different), and can be flexibly set according to the specific application scenario.

[0066] The above-mentioned points rules may also include points addition rules for specific consumption scenarios. Moreover, the points addition rules for different specific consumption scenarios may be different or the same, and may be flexibly set according to the specific application scenario.

[0067] For example, in a dining consumption scenario, when a user's consumption amount reaches a first consumption amount threshold, a first preset number of points (e.g., 20 points) is added, or points are increased according to a first preset ratio. In a travel consumption scenario, when a user's consumption amount reaches a second consumption amount threshold, a second preset number of points (e.g., 30 points) is added, or points are increased according to a second preset ratio. In an online consumption scenario, when a user's consumption amount reaches a third consumption amount threshold, a third preset number of points (e.g., 10 points) is added, or points are increased according to a third preset ratio.

[0068] The first preset number of points, the second preset number of points, and the third preset number of points may be the same or different. The first preset ratio, the second preset ratio, and the third preset ratio may be the same or different. Furthermore, the first preset number of points, the second preset number of points, the third preset number of points, the first preset ratio, the second preset ratio, and the third preset ratio may be flexibly adjusted based on information such as time and / or location to better suit specific application scenarios.

[0069] The above-mentioned points rules may also include points reward rules for special dates. For example, on a user's birthday, a fourth preset number of points may be awarded to the user, and / or points may be increased according to a fourth preset ratio based on the user's birthday spending amount. The fourth preset number of points may be the same as or different from the first, second, and third preset numbers of points; and the fourth preset ratio may be the same as or different from the first, second, and third preset ratios.

[0070] In the embodiment of the present application, the above-mentioned points rules are not limited to the exchange ratio of consumption amount to points, the points addition rules for specific consumption scenarios, and the points reward rules for special dates, and can be flexibly set according to the specific application scenarios.

[0071] In one possible implementation, the points management module 102 may also be configured to monitor a user's credit card spending data in real time, based on the points-based rules associated with data from different channels, and calculate and update the user's points balance based on the spending data. The spending data is synchronized via the bank's transaction system to the points management module in the points-based redemption business system.

[0072] In the above manner, the points management module 102 can automatically calculate and update the user's points balance by real-time monitoring of the user's credit card consumption data, so that the user's points balance is updated in real time, ensuring the accuracy and real-time nature of the points calculation.

[0073] In one possible implementation, the points management module 102 can also be used to set the validity period of points (for example, setting the points to be valid for one year from the date of acquisition), and set the points to be automatically cleared when the validity period expires and is not used, thereby controlling costs, stimulating consumption, and evaluating user activity.

[0074] In one possible implementation, the points management module 102 can also be used to unfreeze or freeze a user's points. For example, in certain special circumstances (such as abnormal transactions in a user account, suspected fraud, etc.), the points management module 102 can freeze the corresponding user's points and suspend the use of points to ensure the security of the user's points. Once the issue is resolved, the points management module 102 can unfreeze the corresponding user's points to resume normal use of the user's points.

[0075] Furthermore, the points management module 102 can also be used to record the unfreezing and freezing of a user's points, thereby saving the unfreezing and freezing of the user, and facilitating query and audit by the corresponding bank staff account or corresponding device. The record can be a detailed record of the unfreezing and freezing, so that the corresponding bank staff account or corresponding device can better query and audit.

[0076] In a possible implementation, the points management module 102 may also be configured to automatically deduct corresponding points when a user cancels a transaction such as a return.

[0077] In addition, if Figure 2 As shown, in the embodiment of the present application, the business system based on point redemption may further include a registration and login module 103 , a user information management module 104 , and a point query module 105 .

[0078] In a possible implementation, the registration and login module 103 may be used to register and set a login password based on the personal information of the new user, and perform identity authentication through the personal information.

[0079] In the embodiment of the present application, the identity authentication through personal information can be performed in the form of a text message verification code.

[0080] The registration and login module 103 can also be used to log in based on a registered account and password. Therefore, old users can directly log in using a registered account and password.

[0081] The registration and login module 103 can also be used to create retail customers so as to manage the retail customers and their points.

[0082] The registration and login module 103 can also be used to log in based on third-party account information. The third-party account information can be information of accounts such as WeChat and Alipay to facilitate user use.

[0083] Thus, through the registration and login module 103, the creation of new users, old users, retail customers, etc. can be completed, so that users can better redeem and manage their points.

[0084] In one possible implementation, the user information management module 104 can be used to view and modify a user's personal information. For example, a user can view and modify personal information through the user information management module 104 in the business system. This personal information may include name, gender, contact information, address, and other information.

[0085] The user information management module 104 can also be used to review and manage information, so that bank staff can review and manage user information in the background, thereby ensuring the authenticity and accuracy of user information.

[0086] In a possible implementation, the points query module 105 can be used to view the points information of the user's credit card in real time after the user logs into the business system.

[0087] Among them, the points information may include points balance, points acquisition records, points validity period and other information.

[0088] The above points earning records are displayed in chronological order. The points earning records may include detailed information such as consumption time, consumption amount, and points earned.

[0089] In addition, in the embodiment of the present application, the business system based on point redemption may further include a login log recording module. The login log recording module may be used to record login logs.

[0090] The above-mentioned login logging module needs to interact with the database and other peripheral systems (such as third-party systems) for data exchange. However, when interacting with the database and other third-party systems, it takes a long time. To solve this problem and support the high concurrency requirements of applications, the login logging module can be set up in an asynchronous manner, and the login logging module supports interaction with domestically produced relational databases (such as OceanBase).

[0091] In addition, in the embodiment of the present application, the business system based on point redemption can also solve the overall control of the bank's backend management control of the business system based on redemption.

[0092] In addition, in an embodiment of the present application, the business system based on points redemption can adopt a microservice architecture to split the system into multiple independent service modules, which can include a user service module, a product service module, an order service module, a points service module, and a statistical service module.

[0093] The user service module can be used to process user login, registration, points query, redemption application and other operations. The user service module can be used to manage users and can include the aforementioned registration and login module 103, user information management module 104, and points query module 105.

[0094] The commodity service module can be used to manage the information of commodities or services available for redemption.

[0095] The order service module can be used to process and manage users' exchange orders. For example, it can handle operations such as creating, reviewing, and shipping users' orders.

[0096] The points service module can be used to record the user's credit card consumption points and update the user's point balance. The points module can be the aforementioned points management module 102.

[0097] The statistics service module can be used to collect statistics on point redemptions and generate reports. Statistics on point redemptions can be collected in real time at a preset time (e.g., monthly), or as soon as the points change, and can be adjusted based on the specific application scenario.

[0098] Therefore, through the statistical service module, the redemption status of points can be managed, so that the redemption status of points can be clearly understood and the points can be better managed.

[0099] After the statistical service module determines that the points have been redeemed, information indicating that the points have been redeemed can be sent to the points management module 102, so that the corresponding points can be updated through the points management module 102, so that the points of the corresponding user are synchronized in real time.

[0100] The above-mentioned multiple service modules (or the aforementioned business system based on point redemption) may also include an employee management module, which can be used to manage employees.

[0101] The aforementioned multiple service modules (or the aforementioned business system based on point redemption) may also include a redemption product type management module, which can be used to manage the types of products that can be redeemed with points. The redemption product type management module can also be used to record information such as the remaining quantity and the redeemed quantity of each type of product that can be redeemed with points, thereby facilitating the business system based on point redemption to better manage points and corresponding redemption products.

[0102] The aforementioned multiple service modules (or the aforementioned business system based on points redemption) may further include a shopping cart management module, which may be used to manage the shopping cart.

[0103] The above-mentioned multiple service modules (or the aforementioned business system based on point redemption) may also include a management module for daily end-of-day interactions with third-party systems, which may be used to manage interactions with third-party systems at the end of each day.

[0104] Therefore, the various modules in the business system based on points redemption can provide assistance for the promotion and development of the bank's credit card business.

[0105] In the embodiments of the present application, each of the above-mentioned service modules (or the points management module 102, registration and login module 103, user information management module 104, and points query module 105 in the aforementioned points redemption-based business system) can be independently developed, deployed, and upgraded, thereby improving the maintainability and scalability of the business system. Furthermore, containerization technologies (such as Docker) can be used to package and deploy services, and Kubernetes can be used for container orchestration and cluster management to ensure high availability and elastic compression of the business system.

[0106] In addition, in the embodiment of the present application, the technology types corresponding to the business system based on points redemption may include front-end technology, back-end technology, database technology, and server technology.

[0107] The aforementioned front-end technologies can include HTML / CSS / JavaScript for building web interfaces, as well as lightweight JavaScript frameworks (such as Vue.js) for implementing front-end interaction logic. For example, the front-end is developed using the Vue.js framework, and data interaction with the back-end is achieved through the Axios library, resulting in a user-friendly interface and a smooth operation experience.

[0108] The aforementioned backend technologies may include Java with its rich libraries and frameworks.

[0109] For example, in the development process of a business system based on points redemption, Java was selected as the back-end development language, combined with the Spring Cloud Alibaba microservice framework, and distributed Naocs components were adopted to facilitate the use of the registration and discovery technical features, load balancing, distribution and other functions of the distributed Naocs components, so that the service can dynamically perceive other services in the network, thereby improving the scalability, fault tolerance and availability of the business system.

[0110] In the embodiments of this application, the business system can use the Naocs component as a service discovery and registration center, and as an application configuration center, to configure functions such as rate limiting, circuit breaking, blacklisting, and routing information. As the configuration center, Naocs pushes configuration information to Naocs and registers it with the Naocs service. The Naocs service can also actively pull configurations from Naocs.

[0111] In addition, the Java language is used to send data in batches and parse files in batches. In addition, the SpringBatch framework can be used to send data in batches and parse files in batches.

[0112] The above-mentioned database technology may include OceanBase for storing system data.

[0113] In the embodiment of the present application, core business data (such as user information, points records, etc.) can be recorded using OceanBase to ensure data consistency and integrity. In addition, some unstructured data (such as product images, descriptions, etc.) can be stored in a professional image management platform. The image management platform mainly stores unstructured data.

[0114] The server technology may include Nginx for processing HTTP requests. Nginx is a high-performance web server.

[0115] In addition, in the embodiment of the present application, the entire business system based on points redemption can be developed based on Spring Cloud Alibaba, Spring Boot and Vue framework, or it can be developed based on Spring Cloud Alibaba, Spring Boot, Sql, and python framework.

[0116] In terms of gateway, the business system based on points redemption can apply the spring boot framework and integrate spring cloud alibaba to achieve distributed deployment and support high performance.

[0117] In terms of mobile app transaction links, the business system based on points redemption can enable SSL certificates (Secure Socket Layer), load balancing equipment (i.e. f5), transaction management facilities (Trade Management Facility, abbreviated as TMF) message transactions, Web application firewall (waf) link load, etc.

[0118] The entire project of the business system based on points redemption can be developed based on Spring Cloud Alibaba to facilitate distributed expansion.

[0119] In addition, the business system based on points redemption proposed in the embodiment of the present application can be connected to the customer information system of the entire bank, and can provide the entire bank with a fast digital credit card points redemption business.

[0120] The above-mentioned business system based on point redemption can also be a digital quantitative business management system, and can also include a front-end module, a personal computer (English: Personal Computer, abbreviated as PC) server module, an APP module and an APP server module.

[0121] The PC server module can be used to store customer information and backend product exchange information. It can be developed based on Spring Boot and supports Hypertext Transfer Protocol (HTTP) and Transmission Control Protocol (TCP) for communication with the backend. It can also receive HTTP+JSON messages.

[0122] In an embodiment of the present application, each module in the business system based on point redemption (such as the aforementioned receiving module 101, point management module 102, registration and login module 103, user information management module 104, and point query module 105) can all use Java language and HTTP+Json format requests, and can also support dynamic changes and customized push of redeemable products.

[0123] In addition, the structural diagram of the business system based on point exchange proposed in the embodiment of the present application can also be as follows: Figure 3 The data association relationship between the business systems based on point redemption can be as follows. Figure 4 The application scenario of the business system based on point redemption can be as follows. Figure 5 shown.

[0124] In summary, the business system based on points redemption proposed in this application includes modules such as a receiving module, a points management module, a registration and login module, a user information management module, and a points query module. Through each module and the adopted structure, language, technology, components, etc., it can increase the number of cardholders who can redeem items with points (such as credit points) after using credit cards for consumption, meet the current market demand, support the use of languages ​​such as Java for development, can receive HTTP and TCP protocols, can support json messages, can support a variety of channel interventions, can parameterize digital management, and is suitable for distributed microservice development. It can effectively realize the expansion of credit cards, better promote the expansion of credit card business, effectively drive the surge in business, increase consumption, and provide banks with faster development.

[0125] Based on the same inventive concept, the present application also provides a points redemption method, which is applied to the points redemption-based business system provided in any of the above embodiments. Figure 6 As shown, the method includes:

[0126] 601: When receiving the data to be exchanged, determine the source channel of the data to be exchanged.

[0127] 602: According to the source channel, a target scoring rule is determined from pre-set scoring rules between data and scores from different channels.

[0128] 603: According to the target points rule, points are exchanged for the exchange data.

[0129] Through the above method, even the data to be redeemed comes from different channels, it can be redeemed according to the points rules set by the points management module, thereby solving the problem in the existing technology that the business system based on bank credit card points redemption cannot support a variety of channel interventions, so as to meet the current market demand with great competitive pressure.

[0130] Based on the same inventive concept, an electronic device is also provided in the embodiment of the present application. The electronic device can realize the functions of the aforementioned business system based on point redemption, referring to Figure 7 , the above-mentioned electronic equipment includes:

[0131] At least one processor 701, and a memory 702 connected to the at least one processor 701. The specific connection medium between the processor 701 and the memory 702 is not limited in the embodiment of the present application. Figure 7 In the example, the processor 701 and the memory 702 are connected via a bus 700. Figure 7 The bus 700 can be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, Figure 7 The diagram is represented by only one thick line, but this does not mean that there is only one bus or one type of bus. Alternatively, the processor 701 may also be referred to as a controller, without limitation to the name.

[0132] In the embodiment of the present application, the memory 702 stores instructions that can be executed by at least one processor 701. The at least one processor 701 can execute the points redemption method discussed above by executing the instructions stored in the memory 702. The processor 701 can implement Figure 1-2 The functions of each module in the system are shown.

[0133] Among them, the processor 701 is the control center of the system, which can use various interfaces and lines to connect various parts of the entire control device, and monitor the system as a whole by running or executing instructions stored in the memory 702 and calling data stored in the memory 702, various functions of the system and processing data.

[0134] In one possible design, processor 701 may include one or more processing units. Processor 701 may integrate an application processor and a modem processor. The application processor primarily processes the operating system, user interface, and application programs, while the modem processor primarily processes wireless communications. It is understood that the modem processor may not be integrated into processor 701. In some embodiments, processor 701 and memory 702 may be implemented on the same chip. In some embodiments, they may also be implemented on separate chips.

[0135] The processor 701 can be a general-purpose processor, such as a central processing unit (CPU), a digital signal processor, an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component, and can implement or execute the various methods, steps, and logic block diagrams disclosed in the embodiments of the present application. A general-purpose processor can be a microprocessor or any conventional processor. The steps of the point redemption method disclosed in the embodiments of the present application can be directly embodied as being executed by a hardware processor, or can be executed by a combination of hardware and software modules in the processor.

[0136] The memory 702 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 702 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (RAM), a static random access memory (SRAM), a programmable read-only memory (PROM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 702 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 702 in the embodiment of the present application can also be a circuit or any other device that can realize a storage function, for storing program instructions and / or data.

[0137] By designing and programming the processor 701, the code corresponding to the points redemption method described in the above embodiment can be fixed into the chip, so that the chip can execute the code when running. Figure 6 The steps of the points redemption method of the embodiment shown are as follows: How to design and program the processor 701 is a technique well known to those skilled in the art and will not be described in detail here.

[0138] Based on the same inventive concept, an embodiment of the present application also provides a storage medium, which stores computer instructions. When the computer instructions are executed on a computer, the computer executes the points redemption method discussed above.

[0139] In some possible implementations, various aspects of the points redemption method provided in the present application can also be implemented in the form of a program product, which includes program code. When the program product is run on the device, the program code is used to enable the control device to execute the steps of the points redemption method according to various exemplary embodiments of the present application described above in this specification.

[0140] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0141] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the steps in the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0142] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0143] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0144] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A business system based on point redemption, characterized in that: include: Receiving module, points management module; The receiving module is used to receive the data to be exchanged; The points management module is used to set the points rules between data and points from different channels; when the data to be redeemed is received, the source channel of the data to be redeemed is determined; based on the source channel, the target points rule is determined from multiple points rules; and based on the target points rule, the data to be redeemed is redeemed for points.

2. The system according to claim 1, wherein The system also includes: a registration and login module; The registration and login module is used to register and set a login password based on the personal information of a new user, and to authenticate the user through the personal information; to log in based on a registered account password; and to log in based on third-party account information.

3. The system according to claim 1, wherein: The system further comprises: a user information management module; The user information management module is used to view and modify the user's personal information, as well as to review and manage the user's information.

4. The system according to claim 1, wherein: The system further comprises: a points query module; The points query module is used to view the credit card points information in real time after the user logs into the system; wherein, the points information includes the points balance, points acquisition record, and points validity period; the points acquisition record is displayed in chronological order, and the points acquisition record includes the consumption time, consumption amount, and points acquired.

5. The system according to claim 1, wherein: The points management module is also used to monitor the user's credit card consumption data in real time according to the points rules, and calculate and update the user's points balance based on the consumption data; wherein the consumption data is received through synchronization with the bank's transaction system.

6. The system according to claim 1, wherein: The points management module is also used to freeze or unfreeze the user's points and record the freezing and unfreezing records.

7. A point redemption method for a point redemption business system according to any one of claims 1 to 6, characterized in that: include: When receiving the data to be exchanged, determining the source channel of the data to be exchanged; According to the source channel, a target scoring rule is determined from pre-set scoring rules between data and scores from different channels; According to the target points rule, the data to be redeemed is redeemed for points.

8. The method according to claim 7, wherein The method further comprises: Freeze or unfreeze the user's points through the points management module, and record the freezing and unfreezing records.

9. An electronic device, characterized in that: include: Memory for storing computer programs; The processor is configured to implement the method steps of any one of claims 7-8 when executing the computer program stored in the memory.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method steps described in any one of claims 7 to 8 are implemented.

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