200926031 九、發明說明： 【發明所屬之技術領域】 本發明疋有關於一種管理紅利帳號的方法及系統，特別 是關於管理一種整合不同行業之加盟廠商所提供之紅利點 數之紅利帳號的方法及系統。 【先前技術】 在電子交易盛行的時代，現代人皮夾中充斥著各個銀行 或百貨公司或連鎖企業所發行的***或認同卡。在各種 交易模式中，最受消費者青睞的便是刷卡或憑卡消費可以 累積紅利，不論是發行***的銀行或是自己發行認同卡 的企業均以這種方式吸引消費者盡量使用其***或認同 卡消費。 八一小，丨只—π 甘又故合豕不同，以銀行或 百貨公司為例，多半是以當月刷卡/憑卡消費的金額換算 ❹ ^數累計在持卡人的名下，持卡人可憑點數換取銀行或 公司所提供的商品。但是憑紅利點數換取商品有好的 商品所訂的紅利點數過高難以換得之缺點。 2，供換取之商品中，常有非消f者所需之商品，但 在一定期間内兌換商品，否則紅利點數就會 有兩:。舉例來說’大多數的國内銀行紅利有效期限都只 _“’兩年過期後紅利就被自動取消、據報載，去年 年）全台灣的刷卡金額達到i 4 拿出千八+ ji·42兆70，銀行本來就要 拿出千刀之三，約43億作為紅利回饋， 分拖，邊細v 丁弓/、成人不會 、讓銀行反倒賺了25億元。此外，消費者常為了將即 I26652.doc 200926031 將到期之點數访捩— .. 換70畢以免遭到取消，便換取一些可有可200926031 IX. Description of the Invention: [Technical Field of the Invention] The present invention relates to a method and system for managing a bonus account, and in particular to a method for managing a bonus account that integrates bonus points provided by affiliates in different industries and system. [Prior Art] In the era of electronic trading, modern wallets are filled with credit cards or identification cards issued by various banks or department stores or chain companies. Among the various trading models, the most popular among consumers is the ability to accumulate dividends by credit card or card consumption. Whether it is a bank that issues credit cards or a company that issues its own identity card, consumers are encouraged to use their credit cards or Credit card consumption. August 1st, 丨 only π 甘 甘 又 又 又 又 又 又 又 又 又 又 又 又 以 以 以 以 以 以 以 以 以 以 以 π π π π π π π π π π π π π π π π π π π π π π π π You can exchange points for the goods offered by the bank or company. However, in exchange for bonus points, there are shortcomings in which the goods have good dividends and the bonus points are too high to be exchanged. 2. In the exchange of goods, there are often goods that are not required for the consumer, but the goods will be exchanged within a certain period of time, otherwise there will be two bonus points: For example, 'Most domestic bank bonuses are valid only _" 'After two years of expiration, the bonus will be automatically cancelled, reportedly, last year.) The amount of credit card in Taiwan has reached i 4 and took out 8,000 + ji· 42 trillion 70, the bank would have to come up with three thousand knives, about 4.3 billion as a bonus, and dragging, while the v v bow, adult will not, let the bank make a profit of 2.5 billion. In addition, consumers often In order to change the number of points that will expire in I26652.doc 200926031 - 70% to avoid cancellation, exchange for some can be
熟’甚至不合土姑 J ^ 0 θ使用之商品。即便消費者找到喜歡的兒換 商口口，同樣一件两σ方 、 卞同〇〇在不同銀行的兒換點數差異也很大， 因此消費者清v Α ·' 、’、須自行比較找出最有利的兒換點數。由此 • ^ 、現仃之作法並未充份考量消費者之需求。 基於現况’各銀行或企業所採用之累積紅利之方式又各 不相同，且不能相互抵用。因此，此種各自累積紅利之 φ 式對消費者而言甚為不利且不便。 目則也有採取現金回饋的企業或銀行，以刷卡/憑卡消 費的金額依比例換算成可折抵之回饋金，以供曰㈣費中 抵用。然而，即便回饋金可供日後消費所使用，各家銀行 都有其換算比率且無法互相流通，所以必須在同—銀行累 積到一定金額後才能在少數特定商店使用，十分不便。、 【發明内容】 ° 有鑑於以上問題，本發明提供一種管理一紅利帳號之方 〇 法與系統’俾解決消費者使用紅利點數不便之困擾。 依據本發明之一實施例，本發明之管理一紅利帳號之方 法包含：接收包含不同行業之加盟廠商中之—加盟廠商所 提供之紅利點數；依據一預定之轉換比例將該紅利點數轉 換成一基準點數；及於該紅利帳號中累積該基準點數以 新一基準點數餘額。 依據本發明之另一實施例，本發明之管理~ h 4, k 紅利帳號之Cooked 'not even the goods used by the Tu Gu J ^ 0 θ. Even if consumers find a favorite business exchange, the same two sigma and 卞 〇〇 〇〇 〇〇 〇〇 〇〇 〇〇 〇〇 〇〇 〇〇 〇〇 差异 差异 差异 差异 差异 差异 差异 差异 差异 差异 差异 差异 差异 差异 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者 消费者Find out the most favorable points for changing points. Thus, ^, the current practice does not fully consider the needs of consumers. Based on the current situation, the cumulative dividends used by banks or companies are different and cannot be mutually offset. Therefore, the φ formula of such respective accumulated dividends is very disadvantageous and inconvenient for consumers. In the case of enterprises or banks that use cash feedback, the amount of credit/card-to-card consumption is converted into a deductible reward in proportion to the amount of the (four) fee. However, even if the rewards are used for future consumption, each bank has its conversion ratio and cannot be circulated to each other. Therefore, it must be accumulated in a certain amount of the bank to be used in a few specific stores, which is very inconvenient. SUMMARY OF THE INVENTION In view of the above problems, the present invention provides a method and system for managing a bonus account, which solves the problem of inconvenience of consumers using bonus points. According to an embodiment of the present invention, a method for managing a bonus account of the present invention includes: receiving a bonus point provided by an affiliate manufacturer among affiliate manufacturers in different industries; and converting the bonus point according to a predetermined conversion ratio Form a benchmark point; and accumulate the benchmark point in the bonus account with a new base point balance. According to another embodiment of the present invention, the management of the present invention ~ h 4, k bonus account
系統包含一主系統’其包含：一通信裝置，用以拉K •^钱收包含 不同行業之加盟廠商中之一加盟廠商所提供之紅利點數； 126652.doc -6- ❹The system includes a main system, which includes: a communication device for pulling bonus points provided by one of the affiliated manufacturers of different industries; 126652.doc -6- ❹
200926031 及一處理裝置’依據一預定之轉換比例將該紅利點數轉換 成一基準點數’並且於該紅利帳號中累積該基準點數以更 新一基準點數餘額。 本發明之又另一實施例提供一種記錄載體，其上儲存有 一程式碼用以執行本發明之管理一紅利帳號之方法。 本發明所提供之管理紅利帳號的方法與系統可以將來自 不同行業之加盟廠商所提供之紅利點數整合成一種基準點 數因此，即便不同加盟廠商所提供之紅利點數具有不同 的價值或使用方法’消費者都可透過本發明的方法或系統 將各種紅利點數轉換成一基準點數，並且可以使用基準點 數向各個加盟廒商換取商品、服務、現金折抵或其兒換 券。如此-來’消費者可更便利且快速地累積紅利點數， 進而避免紅利點數在一段時間後被歸零的情況。又由於本 =月所提供之系統係為一整合過的介面，在使用紅利點數 /肖費者可僅在本發明所提供之系統下進行兒換，並且 避免在多個兒換系統下進行比價的動作。加盟薇商則可省 自，隹持紅利兒換系統之負擔且可進一步吸引消費者 簡言之，利用本發明之方法 同行業中，因消費所獲得的不 而通用的紅利，並且在各行業 浪費任何該有的權益，並使致 利管理費用。【實施方式】 或系統，可以使消費者在不 同紅利能夠集中合併成單一 中統一使用，讓消費者不會 贈紅利的業者節省龐大的紅 126652.doc 200926031 請參考圖1，圖1是本發明管理紅利帳號的系統之-較佳 實施例的示意®。如圖1所示，管理紅利帳號的系統包含 一主系統100及複數個子系統162、164、166，子系統 162、164、166可置於； '同仃業的加盟廠商處，經由一通 ❹ 信網路200與主系統100相連接。主系統1〇〇包含一通信裝 置120及-處理裝置14G。#消f者在加盟廢商處進行消費 時，加盟廠商所配置的子系統會傳送一訊息給主系統 1〇〇,以表示加盟廠商所提供之紅利點數。主系統1〇〇令的 通信裝置120會接收加盟廠商所提供之紅利點數，並且由 處理裝置14G將紅利點數整合成—基準點數並累積在消費 者的、’工利帳號中(即基準點數餘額)以供日後使用。本發明 管理紅利帳號的系統的詳細運作請參閱圖2及圖3。 圖2係為用於累積紅利點數之—較佳實施例的流程圖。 4圖2所$ ’虽通士裝置12〇接收到一加盟廠商所提供之紅 利點數時⑽0)，處理裝置14〇會先決定該加盟廠商所對 應之一轉換_(822〇)。舉例來說，可㈣各個加盟廠商 與其相對應的轉換比例建立在一查找表中’如此一來，處 4置140便可依據查找表之内容輕易找出提供紅利點數 之加盟廢商所對應的轉換比例。處理裝置刚會依據提供 紅利點數之加盟廠商所對應的轉換比例將紅利點數轉換成 準(S23 0)，並且於消費者的紅利帳號中累積該基準 ’ 乂更新一基準點數餘額（S24〇)。在本實施例中，處理 =置140會進一步從紅利帳戶中的基準點數餘額中扣除部 刀之基準點數作為手續費或是向提供該紅利點數之加盟廠 I26652.doc 200926031 商收取手續費（S250)。在本發明之另 认θ 个贯乃之另—較佳實施例中，不 吞兩疋向加盟廠商收取之手續費戎 貝買次疋由消費者紅利帳戶中扣 除之手續費’都可以是固定的哎 7 Α疋興轉換之紅利點數成正 比之基準點數或金額。此外，本發明之另一實施例中收取 手續費之步驟亦可在轉換紅利點數前執行，例如：直接將 加盟廠商提供之紅難數減去―固定點數或—預定比例後 再進行轉換，而不以圖2之實施例為限。 ❹200926031 and a processing device 'convert the bonus points into a reference point according to a predetermined conversion ratio' and accumulate the reference points in the bonus account to update a reference point balance. Still another embodiment of the present invention provides a record carrier having stored thereon a code for performing the method of managing a bonus account of the present invention. The method and system for managing dividend accounts provided by the present invention can integrate bonus points provided by franchisees from different industries into a benchmark point, so that even if different bonus points provided by different franchisees have different values or use Method 'Consumers can convert various bonus points into a benchmark number through the method or system of the present invention, and can exchange goods, services, cash discounts or their child exchange coupons with the respective affiliates using the benchmark points. In this way, consumers can more easily and quickly accumulate bonus points, thereby avoiding the situation where bonus points are zeroed after a period of time. Moreover, since the system provided by this month is an integrated interface, the use of the bonus point/Shaw fee can be performed only under the system provided by the present invention, and avoiding the comparison under multiple children changing systems. Actions. Joining Weishang can save itself and maintain the burden of the system for dividends and can further attract consumers. In short, using the method of the present invention, in the same industry, the dividends obtained by consumption are not universal, and in various industries. Waste any of the rights and benefits and make management expenses. [Embodiment] or system, which enables consumers to combine different dividends into a single unified use, so that consumers who do not give bonuses can save huge red 126652.doc 200926031 Please refer to FIG. 1, FIG. 1 is the present invention. A schematic of a preferred embodiment of a system for managing a bonus account. As shown in FIG. 1, the system for managing the bonus account includes a main system 100 and a plurality of subsystems 162, 164, and 166, and the subsystems 162, 164, and 166 can be placed at the same time as the franchisees of the same industry. The network 200 is connected to the main system 100. The main system 1A includes a communication device 120 and a processing device 14G. When the consumer is consuming the franchise, the subsystem configured by the franchisee will send a message to the main system to indicate the bonus points provided by the franchisee. The communication device 120 of the main system 1 receives the bonus points provided by the affiliate manufacturer, and the processing device 14G integrates the bonus points into the reference points and accumulates in the consumer's 'profit-making account number (ie, Baseline balance) for future use. Please refer to FIG. 2 and FIG. 3 for the detailed operation of the system for managing the bonus account of the present invention. 2 is a flow chart of a preferred embodiment for accumulating bonus points. 4 Figure 2: $' Although the Texa device 12〇 receives a bonus point (10)0 provided by the franchisee, the processing device 14 first determines the conversion _(822〇) of the franchisee. For example, (4) each franchisee and its corresponding conversion ratio are established in a lookup table. [This way, at 4, 140 can easily find out the franchise of the franchise that provides the bonus points according to the content of the lookup table. Conversion ratio. The processing device will convert the bonus points into the standard according to the conversion ratio corresponding to the affiliates that provide the bonus points (S23 0), and accumulate the benchmark in the consumer's bonus account 乂 update a reference point balance (S24 〇). In this embodiment, the process=set 140 further deducts the reference point of the knife from the balance point balance in the bonus account as a handling fee or collects the fee from the affiliated company I26652.doc 200926031 that provides the bonus point. Fee (S250). In the other preferred embodiment of the present invention, the fee charged to the franchisee is not swallowed, and the fee charged by the consumer bonus account is fixed. The 哎7 Α疋 转换 conversion bonus point is proportional to the benchmark point or amount. In addition, the step of collecting the fee in another embodiment of the present invention may also be performed before the bonus point is converted, for example, directly subtracting the number of red difficulties provided by the affiliate manufacturer from the fixed point or the predetermined ratio before converting. It is not limited to the embodiment of FIG. 2. ❹
圖3係為本發明用於使用紅利點數之一較佳實施例的流 程圖。如圖3所示，當消費者欲在—加盟廠商處使用紅利 帳號中的基準點數兒換任―加黯商（162、⑹或⑹)所提 供之商品、服務、現金折抵或其兒換券時（s3iQ)，子系統 會將此訊息傳送至主系統⑽，處理裝置MG會先確認目前 紅利帳號中的基準點數餘額是否A以負#所欲兒換的商 品、服務、現金折抵或其兒換券（S32〇)，若不足，則會通 知消費者餘額不足（S350),否則會從基準點數餘額中扣除 -使用之基準點數以兒換該項商品、服務、現金折抵或其 兒換券（S330)。此外，在另一實施例中，處理裝置14〇會 在扣除該使用之基準點數時，扣除之一預定比例之該使用 之基準點數或是一固定之基準點數作為手續費，或者處理 裝置140亦可向提供商品、服務、現金折抵或其兒換券之 加盟廠商收取手續費（S34〇)。 在本發明之另一實施例中，管理紅利帳號的方法可以用 硬體電路或是儲存有一程式碼以執行上述方法的記錄載體 來實施。依據本發明之一實施例，該加盟廠商可為銀行、 126652.doc 200926031 貨a司量販店、餐飲業、其他實體或虛擬商店、保險 公司、電信業者或任何營利事業體。在本發明之系統架構 下，各加盟廠商可不需再獨自維持一紅利兒換系統，而办 依賴本發明之系統。因此，各加盟廠商可節省經營成 本。此外，在擁有越多加盟廢商的情況下，使用本發明之 官理紅利帳號之方法與系統的消費者就可以有越多機 積不同行業之加盟薇商之紅利點數，並且整合該等紅利點 數以兄換不同行業之加盟廠商所提供之商品或服務。 根據本發明所揭不之方法及系統消費者可將不同的紅 利點數轉換成單-且通用的基準點數，以方便統—地累積 紅：點數。因此’消費者可更便利且快速地累積紅 而避免紅利點數在一段時間後被歸零的情況， 錢用紅利點數時，消費者可在本發明賴供之系統下進 订兒換，並且避免在多個兒換系統下進行比價的動作，而 Ο 加盟廠商則可省下獨自維持一紅利兒換系統之負擔且可進 ^吸引4費者上門消費。在加盟廠商越多的情況下，上 述優點將更為顯著’因此可輕易吸引更多加盟廠商之加 Ί且在消f者間形成口碑’大幅增加使用之人數。 簡口之’利用本發明之方法或系統，可以使消費者在不 同仃業中’因消費所獲得的不同紅利能夠集中合併成單一 而通用的紅利’並且在各行業中統一使用’讓消費者不會 良費任何δ亥有的權益’並使致贈紅利的業者節省龐大的紅 利管理費用。 、· 雖然本發明之技術内容與特徵係如上所述，然於本發明 I26652.doc J5W3〇 126652 〇〇69i8885 10· 200926031 之技術領域具有通常知識者仍可在不悖離本發明之教導與 揭露下進行許多變化與修改。因此，本發明之範疇並非限 疋於已揭露之實施例而係包含不捧離本發明之其他變化與 修改，其係如下列申請專利範圍所涵蓋之範_。 【圖式簡單說明】 圖1係本發明管理紅利帳號的系統之一較佳實施例的示 意圖。 圖2係本發明累積紅利點數之一較佳實施例的流程圖。 圖3係本發明使用紅利點數之一較佳實施例的流程圖。 號說明】 100 主系統 120 ----- ~~~- 通信裝置 140 ——~~~~.— 處理裝置 、166 * ----- 子系統 200 ------ ----------- 通信網路 ❺ 126652.docFigure 3 is a flow diagram of a preferred embodiment of the present invention for use of bonus points. As shown in Figure 3, when the consumer wants to use the benchmark points in the bonus account at the franchisee, the goods, services, cash discounts or their offerings are replaced by the quotient (162, (6) or (6)). At the time of voucher (s3iQ), the subsystem will transmit the message to the main system (10), and the processing device MG will first confirm whether the balance of the reference points in the current bonus account is A, and the goods, services, and cash exchanged by the negative # Or if the child exchange coupon (S32〇), if it is insufficient, the consumer will be notified that the balance is insufficient (S350), otherwise it will be deducted from the balance of the benchmark points - the benchmark points used will be exchanged for the goods, services and cash. Or change the coupon (S330). In addition, in another embodiment, the processing device 14 deducts a predetermined ratio of the reference point of the use or a fixed reference point as a commission when deducting the reference point of the use, or processes The device 140 may also charge a fee to the affiliate manufacturer that provides goods, services, cash discounts, or coupons (S34〇). In another embodiment of the present invention, the method of managing the bonus account can be implemented by a hardware circuit or a record carrier storing a code to perform the above method. According to an embodiment of the present invention, the franchisee may be a bank, a 126652.doc 200926031, a catering store, a catering industry, other entities or virtual stores, an insurance company, a telecommunications operator, or any for-profit business. Under the system architecture of the present invention, the franchisees are no longer required to maintain a single bonus system on their own, but rely on the system of the present invention. Therefore, each franchisee can save operating costs. In addition, in the case of having more franchisees, the consumers who use the method and system of the official bonus account of the present invention can have more points of interest in different industries and join the dividends of Weishang, and integrate these The bonus points are exchanged for the goods or services provided by the affiliates of different industries. The method and system according to the present invention can convert different bonus points into single-and-common reference points to facilitate the cumulative red: points. Therefore, 'consumers can accumulate red more conveniently and quickly and avoid the situation where the bonus points are zeroed after a period of time. When the money is used for bonus points, the consumer can subscribe under the system of the present invention. And avoid the price comparison action under multiple children changing system, and 加盟 franchisees can save the burden of maintaining a bonus system for one person and can attract 4 people to come to the door. In the case of more franchisees, the above advantages will be more significant. “Therefore, it is easy to attract more franchisees and form a reputation among consumers.” By using the method or system of the present invention, consumers can collectively combine different dividends obtained by consumption into a single and universal dividend in different industries, and uniformly use 'in the consumer' in various industries. It will not pay for any interest in the company and make the bonus-paying operators save huge bonus management fees. Although the technical content and features of the present invention are as described above, the teachings of the present invention can be made without departing from the teachings and disclosures of the present invention in the technical field of the invention of I26652.doc J5W3〇126652 〇〇69i8885 10·200926031. Many changes and modifications are made. Therefore, the scope of the invention is not limited to the disclosed embodiments, and other variations and modifications may be made without departing from the scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a schematic illustration of one preferred embodiment of a system for managing bonus accounts in accordance with the present invention. 2 is a flow chart of a preferred embodiment of one of the cumulative bonus points of the present invention. Figure 3 is a flow diagram of a preferred embodiment of the use of bonus points in the present invention. No. Description] 100 main system 120 ----- ~~~- Communication device 140 ——~~~~.— Processing device, 166 * ----- Subsystem 200 ------ ---- ------- Communication Network ❺ 126652.doc