Matching green energy merchant and green energy consumer and green energy payment feedback system and method thereof

Abstract

A green energy merchant-consumer matching and green energy payment reward system and method are disclosed. Merchants apply for green electronic payment services through banks to obtain green energy qualifications, and consumers bind their green energy accounts or green energy credit cards to obtain green energy qualifications. The bank matches qualified green energy merchants with qualified green energy consumers based on the type and frequency of non-green energy consumption information and green energy consumption information. When merchants and consumers use green energy payment for transactions, consumers receive green energy virtual currency rewards from the bank, thereby realizing a green energy consumption cycle. This achieves the technical function of providing green energy payment matching for green energy merchants and green energy consumers and providing a green energy consumption cycle.

Description

Technical Field

[0001] A matching and payment feedback system and method, particularly a system and method for matching green energy merchants and consumers to use green energy payments and receive feedback. Prior Technology

[0002] A net-zero green lifestyle is a current social development goal. To achieve this goal, banks are promoting diversified green energy financial services to encourage customers to use these services. Banks can act as a matchmaker between merchants and consumers, connecting them with green energy mobile payments. In other words, banks screen merchants for consumers to ensure they are green energy qualified, and they also screen consumers for merchants who are willing to support green and sustainable development. This increases the exposure of green energy merchants and their related products, thereby increasing sales opportunities and revenue. Furthermore, it can attract other green energy merchants to join, thus expanding the bank's customer base. This is the goal of this invention.

[0003] In summary, it is clear that previous technologies have long suffered from a lack of matching between green energy businesses and consumers and a lack of green energy consumption cycles. Therefore, it is necessary to propose improved technologies to solve this problem. Summary of the Invention

[0004] In view of the problems of prior art lacking matching between green energy merchants and consumers and lacking green energy consumption cycles, this invention discloses a green energy merchant-consumer matching and green energy payment feedback system and method, wherein:

[0005] The green energy merchant-consumer matching and green energy payment feedback system disclosed in this invention includes: a merchant end, a consumer end, and a bank end. The bank end further includes: a points database, a merchant-side transaction history database, a consumer-side transaction history database, a transmission module, a matching module, a query module, a feedback calculation module, and a points accumulation module.

[0006] Merchants apply for green e-payment services through banks to obtain green energy qualifications. Merchants provide payment information, including green energy qualifications and merchant identity information, to the bank. Consumers download and install the green energy e-payment mobile application (APP). The green energy e-payment mobile application logs into the bank using the consumer's identity information. The green energy e-payment mobile application is linked to a green energy account or green energy credit card to obtain green energy qualifications. Consumers receive and display merchant matching information from the bank. Consumers provide payment information, including green energy qualifications and consumer identity information, to the bank.

[0007] The bank's points database stores consumer identity information and green energy virtual currency; the bank's merchant transaction history database stores non-green energy consumption information and green energy consumption information for merchants; the bank's consumer transaction history database stores non-green energy consumption information and green energy consumption information for consumers with the same identity information; the bank's transmission module obtains payment information from the merchant and payment information from the consumer; the bank's matching module, when a consumer logs in with their consumer identity information, retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer's transaction history database based on the consumer identity information, counts and sorts the frequency of each consumption type for both non-green energy and green energy consumption information, and also counts and sorts the frequency of each non-green energy and green energy consumption type for each merchant in the merchant's transaction history database. Merchants whose consumption type rankings are greater than or equal to the matching threshold are selected to generate merchant matching information. This is provided to the green energy electronic payment mobile application. The bank's query module retrieves the corresponding green energy virtual currency from the points database when both the payment and receipt information are green energy qualified, and the payer in the payment information is a consumer and the recipient in the receipt information is a merchant. The bank's reward calculation module calculates reward green energy virtual currency based on the consumption amount in the payment information when both the payment and receipt information are green energy qualified, and the payer in the payment information is a consumer and the recipient in the receipt information is a merchant. The bank's points accumulation module adds the retrieved green energy virtual currency to the reward green energy virtual currency and updates the points database corresponding to the consumer's identity in the payment information when both the payment and receipt information are green energy qualified, and the payer in the payment information is a consumer and the recipient in the receipt information is a merchant.

[0008] The green energy merchant-consumer matching and green energy payment reward method disclosed in this invention includes the following steps:

[0009] First, merchants apply for green e-payment services through banks to obtain green energy qualification. Next, merchants provide payment information, including green energy qualification and merchant identity information, to the bank. Then, consumers download and install the green energy e-payment mobile application, which logs into the bank using their identity information. The application is then linked to a green energy account or credit card to obtain green energy qualification. Next, consumers provide payment information, including green energy qualification and consumer identity information, to the bank. Finally, the bank has a database storing consumer identity information and green energy virtual currency points. The bank has a database of merchant transaction history information, storing both non-green energy and green energy consumption data. It also has a database of consumer transaction history information, storing both non-green energy and green energy consumption data based on the consumer's identity. When a consumer logs in using their identity information, the bank retrieves the corresponding non-green energy and green energy consumption data from the consumer transaction history database, counts the frequency of each consumption type, and sorts them. Finally, when a consumer logs in using their identity information, the bank calculates the merchant transaction history... The system retrieves and sorts the non-green energy consumption information and green energy consumption information of each merchant in the historical database by consumption type and frequency. Then, the bank selects merchants whose consumption type ranking is greater than or equal to a matching threshold with the consumer's consumption type ranking to generate merchant matching information, which is then provided to the green energy e-payment mobile application. Next, when both the payment and receipt information are green energy qualified, and the payer in the payment information is a consumer and the payee in the payment information is a merchant, the bank retrieves the corresponding information from the points database based on the payer's consumer identity in the payment information. The bank calculates a green energy virtual currency reward based on the consumption amount in the payment information. Then, when both the payment and receipt information are green energy qualified, and the payer in the payment information is a consumer and the recipient in the payment information is a merchant, the bank adds the retrieved green energy virtual currency reward to the green energy virtual currency reward and updates the points database with the green energy virtual currency corresponding to the consumer's identity in the payment information.

[0010] The system and method disclosed in this invention are as described above. Merchants apply for green electronic payment services through banks to obtain green energy qualifications, and consumers bind their green energy accounts or green energy credit cards to obtain green energy qualifications. The banks match green energy qualified merchants with green energy qualified consumers based on the type and frequency of non-green energy consumption information and green energy consumption information. When merchants and consumers use green energy payment to conduct transactions, consumers further receive green energy virtual currency rewards from the banks, thereby realizing a green energy consumption cycle.

[0011] Through the aforementioned technical means, this invention can achieve the technical effect of providing a match between green energy merchants and green energy consumers and providing a green energy payment system for green energy consumption cycles. Simple Explanation of the Diagram

[0012] Figure 1 is a system block diagram of the green energy merchant-consumer matching and green energy payment feedback system of the present invention. Figure 2 illustrates the architecture of the present invention for matching green energy merchants and consumers with green energy payment rewards. Figure 3 illustrates a matching page for green energy merchants and consumers and green energy payment rewards according to the present invention. Figures 4A to 4C illustrate the flowchart of the green energy merchant-consumer matching and green energy payment reward method of the present invention. Implementation

[0013] The following will describe in detail the implementation of the present invention with reference to the accompanying drawings and embodiments, so that the process of how the present invention uses technical means to solve technical problems and achieve technical effects can be fully understood and implemented accordingly.

[0014] The following will first describe the green energy merchant-consumer matching and green energy payment feedback system disclosed in this invention, and please refer to "Figure 1", which is a system block diagram of the green energy merchant-consumer matching and green energy payment feedback system of this invention.

[0015] The green energy merchant-consumer matching and green energy payment feedback system disclosed in this invention includes: a merchant terminal 10, a consumer terminal 20, and a bank terminal 30. The bank terminal 30 further includes: a points database 31, a merchant transaction history database 32, a consumer transaction history database 33, a transmission module 34, a matching module 35, a query module 36, a feedback calculation module 37, and a points accumulation module 38.

[0016] Merchant 10 needs to be certified as a green energy merchant by the Ministry of Environment and obtain green energy certification materials from the Ministry of Environment before applying for green electronic payment service from bank 30. When bank 30 confirms with the Ministry of Environment that merchant 10 is a green energy merchant based on the application materials provided by merchant 10, bank 30 will then establish a green energy payment account for merchant 10 through the green electronic payment service of merchant 10.

[0017] Consumer 20 also needs to apply for a green energy account or green energy credit card from bank 30. The green energy account or green energy credit card is linked to the consumer's identity information, such as a combination of account name and account number, financial certificates applied for by consumer 20 through bank 30, etc. The green energy account or green energy credit card can be restricted to consumer 20 for consumption in green energy-related industries. However, the green energy account or green energy credit card is not restricted to consumer 20 for consumption in green energy-related industries. When consumer 20 uses the green energy account or green energy credit card for consumption in green energy-related industries, it can receive discounts or value-added services. This is only an example and does not limit the scope of application of the present invention.

[0018] Consumer 20 can download and install the green energy electronic payment mobile application (APP) through the bank terminal 30 or the application store corresponding to the operating system of the smartphone (e.g., Google Play, Apple Store, Microsoft Store, etc.). This is only an example and does not limit the application scope of the present invention. Consumer 20 obtains green energy qualification by binding a green energy account or green energy credit card through the green energy electronic payment mobile application.

[0019] Please refer to Figure 2, which is a schematic diagram of the architecture of the green energy merchant-consumer matching and green energy payment reward of the present invention.

[0020] In the bank's 30, a points database 31, a merchant's transaction history database 32, and a consumer's transaction history database 33 are pre-established. The points database 31 stores consumer identity information and green energy virtual currency. The merchant's transaction history database 32 stores non-green energy consumption information and green energy consumption information from the merchant's side. The consumer's transaction history database 33 stores non-green energy consumption information and green energy consumption information from the consumer's identity information.

[0021] When consumer 20 logs in with consumer identity information, the matching module 35 of bank 30 retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer transaction history database 33 based on the consumer identity information. It counts and sorts the number of consumption types for each type of non-green energy consumption information and green energy consumption information. It also counts and sorts the number of consumption types for each type of non-green energy consumption information and green energy consumption information for each merchant 10 in the merchant transaction history database 32. It selects merchants whose consumption type ranking is greater than or equal to the matching threshold with the consumption type ranking of consumer 20 to generate merchant matching information 41, which is provided to the green energy electronic payment mobile application of consumer 20, thereby facilitating the matching between consumer 20 and merchant 10.

[0022] Specifically, assuming that the matching module 35 separately counts the number of times the consumption type is "dining" in non-green energy consumption information as "5", the number of times the consumption type is "entertainment" as "10", and the number of times the consumption type is "transportation" as "1" in green energy consumption information; and assuming that the matching module 35 separately counts the number of times the consumption type is "dining" in non-green energy consumption information from the first merchant as "5", the number of times the consumption type is "entertainment" as "10", and the number of times the consumption type is "transportation" as "10" in green energy consumption information; The number of times "transportation" was "0", and the number of times "catering" was "10", "entertainment" was "5", and "transportation" was "0" in the green energy consumption information; and assuming that the matching module 35 separately counted the number of times "catering" was "0", "entertainment" was "10", and "transportation" was "0" in the non-green energy consumption information of the second merchant, and the number of times "catering" was "0", "entertainment" was "5", and "transportation" was "0" in the green energy consumption information.

[0023] The results of sorting consumption types in non-green energy consumption information for consumer identity information are as follows: "Entertainment" (10 times), "Dining" (5 times), and "Transportation" (1 time); and in green energy consumption information, "Dining" (10 times), "Transportation" (10 times), and "Entertainment" (5 times). The results of sorting consumption types in non-green energy consumption information for the first merchant are as follows: "Entertainment" (10 times), "Dining" (5 times), and "Transportation" (0 times); and in green energy consumption information, "Dining" (10 times), "Entertainment" (5 times), and "Transportation" (0 times). The results of sorting consumption types in non-green energy consumption information for the second merchant are as follows: "Entertainment" (10 times), "Dining" (0 times), and "Transportation" (0 times); and in green energy consumption information, "Entertainment" (5 times), "Dining" (0 times), and "Transportation" (0 times).

[0024] The similarity between the consumption type ranking of the first merchant and the consumption type ranking of the consumer is "66.6%" and "66.6%" respectively. The similarity between the consumption type ranking of the second merchant and the consumption type ranking of the consumer is "33.3%" and "33.3%" respectively. The matching module 35 will select the first merchant with a similarity of "66.6%" and "66.6%" respectively, which is greater than or equal to the matching threshold of "50%", to generate merchant matching information 41 and provide it to the green energy electronic payment mobile application of the consumer terminal 20 for display. This provides a matching between the consumer terminal 20 and the merchant terminal 10. The consumer selects the merchant terminal 10 to make a purchase through the merchant matching information 41 displayed on the consumer terminal 20. This is only an example and does not limit the application scope of the present invention.

[0025] Merchant 10 uses a two-dimensional barcode reader provided by bank 30 to scan the payment two-dimensional barcode displayed on the green energy electronic payment mobile application of consumer 20. Merchant 10 then provides payment information 42, which includes green energy eligibility and merchant identity information, to bank 30. The merchant identity information is pre-stored in merchant 10 and may include, for example, a combination of account name and account number, financial certificates applied for by merchant 10 through bank 30, etc. This is only an example and does not limit the scope of application of the present invention. Consumer 20 provides payment information 43, which includes green energy eligibility and consumer identity information, to bank 30. After payment confirmation by bank 30, the green energy consumption and payment of consumer 20 at merchant 10 are completed.

[0026] Consumer terminal 20 can also use a QR code scanning application or a green energy electronic payment mobile application to scan the QR code provided by merchant terminal 10. Merchant terminal 10 will then provide payment information 42 containing green energy qualification and merchant identity information to bank terminal 30, and consumer terminal 20 will provide payment information 43 containing green energy qualification and consumer identity information to bank terminal 30. After payment confirmation by bank terminal 30, the green energy consumption and green energy payment of consumer terminal 20 to merchant terminal 10 will be completed.

[0027] Bank 30 connects to merchant 10 and the online purchasing platform and introduces the electronic payment platform set up by bank 30. Consumer 20 makes online purchases to merchant 10 through the online purchasing platform and uses the electronic payment platform to generate payment information 42 containing green energy qualification and merchant identity information by deducting payment from green energy account or green energy credit card. Merchant 10 then provides payment information 42 containing green energy qualification and merchant identity information to bank 30, and consumer 20 provides payment information 43 containing green energy qualification and consumer identity information to bank 30. After payment confirmation by bank 30, the green energy consumption and green energy payment of consumer 20 on merchant 10's online purchasing platform is completed.

[0028] Merchant 10 can also be a rental or purchase of unmanned intelligent vending equipment from a manufacturer. The unmanned intelligent vending equipment (i.e., merchant 10) is connected to the unmanned intelligent service platform and interfacing with the electronic payment platform set up by bank 30. Consumer 20 makes online purchases from merchant 10 through the unmanned intelligent service platform and uses the electronic payment platform to deduct funds from the green energy account or green energy credit card to generate receipt information 42 containing green energy qualification and merchant identity information. Merchant 10 then provides the receipt information 42 containing green energy qualification and merchant identity information to bank 30, and consumer 20 provides payment information 43 containing green energy qualification and consumer identity information to bank 30. After payment confirmation by bank 30, the green energy consumption and green energy payment of consumer 20 at merchant 10 is completed.

[0029] When the merchant terminal 10 provides payment information 42 to the bank terminal 30, the transmission module 34 of the bank terminal 30 can obtain the payment information 42 from the merchant terminal 10. When the consumer terminal 20 provides payment information 43 to the bank terminal 30, the transmission module 34 of the bank terminal 30 can obtain the payment information 43 from the consumer terminal 20.

[0030] The bank 30 will verify whether the payment information 42 provided by the merchant 10 includes green energy qualification, and the bank 30 will also verify whether the payment information 43 provided by the consumer 20 includes green energy qualification. When the payment information 42 provided by the merchant 10 has green energy qualification and the payment information 43 provided by the consumer 20 has green energy qualification, and the payer of the payment information 42 is the consumer identity information and the payee of the payment information 43 is the merchant identity information, the query module 36 of the bank 30 will query the corresponding green energy virtual currency from the points database 31 based on the consumer identity information in the payment information 43.

[0031] The bank's feedback calculation module 37 also calculates the feedback green energy virtual currency based on the consumption amount in the payment information when the payment information 42 provided by the merchant's side 10 has green energy qualification and the payment information 43 provided by the consumer's side 20 has green energy qualification, and the payer of the payment information 42 is the consumer's identity information and the payee of the payment information 43 is the merchant's identity information.

[0032] Assuming that "10 green energy virtual coins are given as a reward for every 100 spent", when the spending amount in the payment information is "500", the reward calculation module 37 of the bank terminal 30 can divide the spending amount "500" by "100" to calculate the reward green energy virtual coins as "50". This is only an example and is not intended to limit the application scope of the present invention.

[0033] Assuming a pre-set rule of "giving a reward of 10 green energy virtual coins for every 100 spent", when the spending amount in the payment information is "450", the reward calculation module 37 of the bank terminal 30 can divide the spending amount "450" ​​by "100" and round it to get the reward of "50 green energy virtual coins". This is only an example and is not intended to limit the application scope of the present invention.

[0034] Assuming a pre-set rule of "a 10% green energy virtual currency reward for spending amounts between 1 and 500, and a 15% green energy virtual currency reward for spending amounts between 501 and 1000", when the spending amount in the payment information is "750", the bank's feedback calculation module 37 calculates that the spending amount "750" falls within the spending amount range of "501-1000", meaning that the bank's feedback calculation module 37 calculates the green energy virtual currency reward as "113" (rounded). This is merely an example and is not intended to limit the application scope of the present invention.

[0035] The points accumulation module 38 on the bank side 30 also adds the green energy virtual currency to the green energy virtual currency and updates the green energy virtual currency in the points database 31 corresponding to the consumer identity information in the payment information when the payment information 42 provided by the merchant side 10 has green energy qualification and the payment information 43 provided by the consumer side 20 has green energy qualification, and the payer of the payment information 42 is the consumer identity information and the payee of the payment information 43 is the merchant identity information. The consumer side 20 can then use the green energy virtual currency management page provided by the bank side 30 to query green energy virtual currency, use green energy virtual currency, and redeem green energy virtual currency for goods, etc.

[0036] Specifically, assuming that the query module 36 of the bank terminal 30 retrieves "105" green energy virtual currency, the feedback calculation module 37 of the bank terminal 30 calculates that the feedback green energy virtual currency is "3", the point accumulation module 38 of the bank terminal 30 can add "105" to the feedback green energy virtual currency "3" to get "108", and then update the green energy virtual currency in the point database 31 corresponding to the consumer identity information in the payment information from "105" to "108".

[0037] The matching module 35 further includes sequentially selecting each product category from one of the merchant terminals 10, and identifying the merchant terminals 10 that have product categories for each selected product category, instead of the selected ones. Based on the selected merchant terminals 10, a corresponding matching page is generated. Specifically, assuming the product categories of the first merchant terminal are "corn," "cabbage," and "potato," and the product categories of the second merchant terminal are "corn," "cabbage," and "potato," and the product categories of the third merchant terminal are "cabbage," "leeks," and "potato," when the matching module 35 selects the first merchant terminal, it can identify the second merchant terminal whose product category is "corn" that has not been selected. The product category is "cabbage" corresponding to the unselected third merchant. The product category of the first merchant is "potato" corresponding to the unselected second and third merchants. The matching template 35 generates a matching page 50 to provide the first merchant with a matching transaction. Please refer to "Figure 3" for a diagram of the matching page 50. "Figure 3" is a schematic diagram of the matching page for green energy merchants and consumers and green energy payment feedback of the present invention. The matching page 50 can provide the basic information 51 and related green energy qualifications 52 of the second and third merchants. The basic information 51 can be used for contact, and the green energy qualifications 52 can be used for further verification. In this way, the bank 30 can further provide matching transactions between different merchants 10.

[0038] Consumer 20 can further choose to pay with green energy virtual currency, meaning the payment amount in the payment information includes green energy virtual currency. Specifically, if consumer 20 needs to pay "530" to merchant 10, and consumer 20 has "530" green energy virtual currency, consumer 20 can choose to pay "530 green energy virtual currency" in the payment information, or consumer 20 can choose to pay "500 transferred from green energy account, 30 green energy virtual currency" in the payment information for subsequent financial transactions.

[0039] The payment information provided also includes information about green energy virtual currency. When the bank's (30) financial transaction module transfers the payment amount from the green energy account or green energy credit card to the merchant's (10) green energy receiving account,

[0040] Next, the operation method of the present invention will be described below, and please refer to Figures 4A to 4C, which are flowcharts of the method for matching green energy merchants and consumers and providing green energy payment rewards according to the present invention.

[0041] The green energy merchant-consumer matching and green energy payment reward method disclosed in this invention includes the following steps:

[0042] First, the merchant applies for green e-payment service through the bank to obtain green energy qualification (step 601); then, the merchant provides payment information including green energy qualification and merchant identity information to the bank (step 602); next, the consumer downloads and installs the green energy e-payment mobile application, logs into the bank using the consumer's identity information, and links the green energy e-payment mobile application to a green energy account or green energy credit card to obtain green energy qualification (step 603); next, the consumer provides payment information including green energy qualification and consumer identity information to the bank (step 604); finally, the bank has corresponding points for storing consumer identity information and green energy virtual currency. The bank then establishes a database of merchant transaction history information (step 605); next, the bank has a database of non-green energy consumption information and green energy consumption information stored by the merchant (step 606); next, the bank has a database of consumer transaction history information stored by the consumer (step 607); next, when a consumer logs in with their consumer identity information, the bank retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer transaction history database based on the consumer identity information, and separately counts and sorts the number of consumption types for each type of non-green energy consumption information and green energy consumption information (step 608); next, when a consumer logs in with their consumer identity information, the bank... The bank first statistically analyzes and sorts the consumption types and frequency of each merchant's non-green energy consumption information and green energy consumption information in the merchant's transaction history database (step 609); then, the bank selects merchants whose consumption type rankings are greater than or equal to the matching threshold with the consumption type rankings of the consumer side to generate merchant matching information to provide to the green energy electronic payment mobile application (step 610); then, when both the payment information and the payment information are green energy qualified, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank queries the points database based on the payer's consumer identity information in the payment information to find the matching information. The corresponding green energy virtual currency (step 611); next, when the receiving information has green energy eligibility and the payment information has green energy eligibility, and the payer of the receiving information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank calculates the reward green energy virtual currency based on the consumption amount in the payment information (step 612); and, when the receiving information has green energy eligibility and the payment information has green energy eligibility, and the payer of the receiving information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank adds the retrieved green energy virtual currency to the reward green energy virtual currency and updates the green energy virtual currency in the points database corresponding to the consumer identity information in the payment information (step 613).

[0043] In summary, merchants apply for green electronic payment services through banks to obtain green energy qualifications, while consumers bind their green energy accounts or green energy credit cards to obtain green energy qualifications. Banks match qualified green energy merchants with qualified green energy consumers based on the types and frequency of non-green energy consumption information and green energy consumption information. When merchants and consumers use green energy payment for transactions, consumers further receive green energy virtual currency rewards from banks, thereby realizing a green energy consumption cycle.

[0044] This technology can solve the problems of previous technologies, such as the lack of matching between green energy merchants and consumers and the lack of green energy consumption cycles, thereby achieving the technical effect of providing green energy payment that matches green energy merchants and consumers and provides green energy consumption cycles.

[0045] While the embodiments disclosed in this invention are as described above, the content is not intended to directly limit the scope of patent protection for this invention. Anyone skilled in the art to which this invention pertains may make minor modifications in form and detail without departing from the spirit and scope disclosed herein. The scope of patent protection for this invention shall still be determined by the appended claims.

[0046] 10: Merchant side 20: Consumer side 30: Bank side 31: Points Database 32: Merchant-side transaction history database 33: Historical Transaction Database for Consumers 34: Transmission Module 35: Matching Module 36: Query Module 37: Feedback Calculation Module 38: Points Accumulation Module 41: Matching Information 42: Payment Information 43: Payment Information 50: Matching Page 51: Basic Information 52: Relevant green energy qualifications Step 601: Merchants apply for green electronic payment services through banks to obtain green energy qualification. Step 602: The merchant provides payment information, including green energy eligibility and merchant identity information, to the bank. Step 603: The consumer downloads and installs the Green Energy Electronic Payment mobile application. The Green Energy Electronic Payment mobile application logs into the bank using the consumer's identity information. The Green Energy Electronic Payment mobile application is linked to the Green Energy account or Green Energy credit card to obtain Green Energy eligibility. Step 604: The consumer provides payment information, including green energy eligibility and consumer identity information, to the bank. Step 605: The bank has a database that stores corresponding consumer identity information and points for green energy virtual currency. Step 606: The bank has a corresponding database of merchant transaction history data, which stores both non-green energy consumption information and green energy consumption information from the merchant side. Step 607: The bank has a database of consumer transaction history data that stores corresponding non-green energy consumption information and green energy consumption information, along with corresponding consumer identity information. Step 608: When a consumer logs in with their consumer identity information, the bank retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer's transaction history database based on the consumer identity information. The bank then separately counts the frequency of each type of consumption for both non-green energy and green energy consumption information and sorts them accordingly. Step 609: When a consumer logs in with their consumer identity information, the bank counts and sorts the number of non-green energy consumption information and green energy consumption information for each merchant in the merchant's transaction history database. Step 610: The bank selects merchants whose consumption type ranking on the merchant side is greater than or equal to the matching threshold compared to the consumption type ranking on the consumer side, and generates merchant matching information to provide to the Green Energy Electronic Payment mobile application. Step 611: When both the payment and receipt information have green energy eligibility, and the payer in the payment information is a consumer and the payee in the payment information is a merchant, the bank retrieves the corresponding green energy virtual currency from the points database based on the payer's consumer identity information in the payment information. Step 612: When both the payment and receipt information are green energy qualified, and the payer in the payment information is the consumer's identity information and the recipient in the payment information is the merchant's identity information, the bank calculates the green energy virtual currency reward based on the consumption amount in the payment information. Step 613: When both the payment and receipt information have green energy eligibility, and the payer in the payment information is a consumer and the payee in the payment information is a merchant, the bank will add the retrieved green energy virtual currency to the reward green energy virtual currency and update the green energy virtual currency in the points database corresponding to the consumer's identity information in the payment information.

Claims

1. A green energy merchant-consumer matching and green energy payment feedback system, comprising: a merchant end, which applies for a green electronic payment service through a bank end to obtain a green energy qualification, the merchant end providing payment information including the green energy qualification and a merchant identity information to the bank end; a consumer end, which downloads and installs a green energy electronic payment mobile application (APP), the green energy electronic payment mobile application using a consumer identity information to log in to the bank end, the green energy electronic payment mobile application being linked to a green energy account or a green energy credit card to obtain the green energy qualification, the consumer end receiving and displaying merchant matching information from the bank end, the consumer end providing payment information including the green energy qualification and the consumer identity information to the bank end; and the bank end further comprising: a points database, correspondingly storing the consumer identity information and a green energy virtual currency; a merchant end transaction history database, correspondingly storing non-green energy consumption information and green energy consumption information of the merchant end; A consumer transaction history database stores non-green energy consumption information and green energy consumption information corresponding to the consumer's identity information; a transmission module obtains the payment information from the merchant and the payment information from the consumer; a matching module, when the consumer logs in with the consumer's identity information, retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer transaction history database based on the consumer's identity information, counts and sorts the consumption type frequency of each of the non-green energy consumption information and green energy consumption information, and counts and sorts the consumption type frequency of each of the non-green energy consumption information and green energy consumption information of each merchant in the merchant's transaction history database, and selects merchants whose consumption type ranking is greater than or equal to the matching threshold to generate merchant matching information to be provided to the green energy electronic payment mobile application; A query module, when the payment information has the green energy qualification and the payment information has the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information, retrieves the corresponding green energy virtual currency from the points database based on the fact that the payer in the payment information is the consumer identity information; A feedback calculation module calculates a feedback green energy virtual currency based on a consumption amount in the payment information when the payment information and the payment information both have the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information; and a point accumulation module adds the retrieved green energy virtual currency to the feedback green energy virtual currency and updates the green energy virtual currency in the point database corresponding to the consumer identity information in the payment information when the payment information and the payment information both have the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information.

2. The green energy merchant and consumer matching and green energy payment feedback system as described in claim 1, wherein the matching module further includes first sequentially selecting each product category of one of the merchant terminals, then finding the unselected merchant terminals that have the product category corresponding to each of the selected merchant terminals, so as to generate a matching page and provide it to the selected merchant terminals, thereby providing different merchant terminal matching options.

3. The green energy merchant and consumer matching and green energy payment feedback system as described in claim 1, wherein the consumer provides a payment option in the payment information to pay the full amount in the green energy virtual currency, or the consumer provides a payment option in the payment information to pay partly in the green energy virtual currency and partly in the green energy account or the green energy credit card.

4. The green energy merchant-consumer matching and green energy payment feedback system as described in Request 1, wherein the consumer end is provided by the bank with a green energy virtual currency management page to realize the query of the green energy virtual currency, the use of the green energy virtual currency, and the redemption of goods with the green energy virtual currency.

5. A method for matching green energy merchants and consumers and providing green energy payment rewards, comprising the following steps: A merchant applies for a green electronic payment service through a bank to obtain green energy qualification; The merchant provides payment information including the green energy qualification and a merchant identity information to the bank; A consumer downloads and installs a green energy electronic payment mobile application (APP), the green energy electronic payment mobile application logs into the bank using consumer identity information, and the green energy electronic payment mobile application is linked to a green energy account or a green energy credit card to obtain the green energy qualification; The consumer provides payment information including the green energy qualification and the consumer identity information to the bank; The bank has a database corresponding to storing the consumer identity information and a green energy virtual currency; The bank has a merchant transaction history database corresponding to storing non-green energy consumption information and green energy consumption information of the merchant; The bank has a consumer transaction history database corresponding to storing the non-green energy consumption information and green energy consumption information of the consumer identity information. When the consumer logs in with the specified consumer identity information, the bank retrieves the corresponding non-green energy consumption information and green energy consumption information from the consumer's transaction history database based on the consumer identity information, and separately counts and sorts the consumption type frequency of each type of non-green energy consumption information and green energy consumption information. When the consumer logs in with the specified consumer identity information, the bank counts and sorts the consumption type frequency of each type of non-green energy consumption information and green energy consumption information for each merchant in the merchant's transaction history database. The bank selects merchants whose consumption type ranking is greater than or equal to the matching threshold from the consumer's consumption type ranking to generate merchant matching information to be provided to the green energy electronic payment mobile application. When the payment information has the green energy qualification and the payment information has the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank retrieves the corresponding green energy virtual currency from the points database based on the fact that the payer in the payment information is the consumer identity information; When the payment information has the green energy qualification and the payment information has the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank calculates a green energy virtual currency reward based on a consumption amount in the payment information; When the payment information has the green energy qualification and the payment information has the green energy qualification, and the payer of the payment information is the consumer identity information and the payee of the payment information is the merchant identity information, the bank will add the green energy virtual currency retrieved to the reward green energy virtual currency and update the green energy virtual currency in the points database corresponding to the consumer identity information in the payment information.

6. The green energy merchant and consumer matching and green energy payment feedback method as described in claim 5, wherein the bank terminal further includes first sequentially selecting each product category of one of the merchant terminals, finding the unselected merchant terminals that have the product category corresponding to each of the selected merchant terminals, so as to generate a matching page and provide it to the selected merchant terminals, so as to provide different merchant terminal matching options.

7. The green energy merchant-consumer matching and green energy payment feedback method as described in claim 5, wherein the consumer provides a payment option in the payment information to pay the full amount in the green energy virtual currency, or the consumer provides a payment option in the payment information to pay partly in the green energy virtual currency and partly in the green energy account or the green energy credit card.

8. The green energy merchant-consumer matching and green energy payment feedback method as described in request item 5, wherein the consumer end is provided by the bank's green energy virtual currency management page to realize the query of the green energy virtual currency, the use of the green energy virtual currency, and the redemption of the green energy virtual currency for goods.

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