TWM579776U - System for converting transaction code structure into payment information - Google Patents

Abstract

本創作提供一種將交易碼結構轉換成付款資訊之系統，其包括一中介裝置、一第一讀取裝置。該第一讀取裝置供讀取一交易碼結構以獲得一資訊。該中介裝置，其供儲存一授權資訊，該授權資訊包括複數個授權帳戶，該複數個授權帳戶是與該交易碼結構相關聯，且該中介裝置配置為以一授權帳戶驗證該資訊，且該中介裝置藉由該授權帳戶取得與該交易碼結構相對應之付款資訊。 The present invention provides a system for converting a transaction code structure into payment information, comprising an intermediary device and a first reading device. The first reading device is configured to read a transaction code structure to obtain a message. The intermediary device is configured to store an authorization information, the authorization information includes a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured to verify the information by an authorized account, and the The intermediary device obtains payment information corresponding to the transaction code structure by the authorized account.

Description

將交易碼結構轉換成付款資訊之系統 System for converting transaction code structure into payment information

本創作關於一種將交易碼結構轉換成付款資訊之系統，尤指一種將顯示於各種電子裝置或實體平面之優惠卷於消費者進行消費時，能將優惠卷所對應之折扣比例、折扣款項、特定商品或特定服務之金額撥款給商家方之帳戶的系統。 The present invention relates to a system for converting a transaction code structure into payment information, in particular, a discount rate, a discount amount, and a discount amount corresponding to a coupon that is displayed on various electronic devices or entity planes when consumed by a consumer. A system in which the amount of a particular good or a particular service is allocated to the merchant's account.

對於發放優惠卷方而言，於發放傳統的紙本優惠卷時，通常需將所有紙本優惠卷所對應之金額先全數付清給銷售方。接著，當消費者使用優惠卷後，負責銷售的商家再將已經使用的優惠卷寄回給發行優惠卷的商家進行確認。如此的做法需要兩邊的商家(發放優惠卷方與銷售方)長期的核對是否確實將優惠卷抵用、折扣金額是否正確無誤以及優惠卷是否過期等。另一方面，對於發放優惠卷方而言，若是優惠卷的發行量大，相當於事先要付出大筆成本且不確定是否有真正抵用的風險；即使是以對銷售方按月結清的方式，當優惠卷所對應的相異商品種類一多、或是當月優惠卷抵用的數量暴增時，對於兩方所耗費的人力與時間成本更是難以想像且還不保證不會出錯。再，若優惠卷有特定的使用條件如使用期限、針對特定會員、超過某一商品購買數才能使用等的特殊條件限制時，同樣的， 對銷售方會消耗許多時間成本與人力於核對方面。再，另一方面，習知的電子優惠卷如以序號的方式進行抵用者僅能掌握消費者抵用時的紀錄，對於消費者從那個管道獲得優惠卷、誘發消費者使用此優惠卷購買產品與服務等的動機如看過哪一則線上廣告、文宣或好也介紹等才決定使用優惠卷等細節則完全一無所知。 For the issuance of coupons, when issuing traditional paper coupons, it is usually necessary to pay the amount corresponding to all paper coupons to the seller first. Then, when the consumer uses the coupon, the merchant in charge of the sale then sends the coupon that has been used back to the merchant who issued the coupon to confirm. Such an approach requires long-term verification by both sides of the merchant (issuing coupons and sellers) whether the coupons are actually used, whether the discount amount is correct, and whether the coupons have expired. On the other hand, for the issuance of coupons, if the circulation of coupons is large, it is equivalent to the risk of having to pay a large amount of money in advance and is not sure whether there is a real offset; even if it is settled monthly by the seller. In the way, when the number of different commodities corresponding to the coupons is too large, or the number of coupons used in the month is soaring, the labor and time costs of the two parties are even more unimaginable and there is no guarantee that they will not go wrong. In addition, if the coupon has specific conditions of use such as the period of use, the specific conditions for a particular member, and the number of purchases over a certain product, the same is true. It will consume a lot of time and cost for the seller to check. On the other hand, the conventional electronic coupons, if they are serialized, can only grasp the record of the consumer's credit, and the consumer obtains the coupon from the pipeline and induces the consumer to use the coupon to purchase. The motivations for products and services, such as online advertisements, texts, or introductions, have been decided to use the coupons and other details.

更進一步地，於行銷的層面來看，行銷公司花了大幅的成本拍攝了廣告、發行了各種與廣告的品牌、商標相關的各種產品，但對於製作多個於各種不同平面如紙本、海報、廣告影片、社群網站之圖片之各種廣告的公關廣告人員而言，當各種產品之銷量提升、減少或持平時，並無法知道是哪一則廣告、哪一個平台上之廣告或哪一種類行的廣告造成了行銷優勢；消費者從哪一個管道(何種廣告、何種平台或平面媒體等)取得優惠卷、在哪裡抵用優惠卷，習知廣告等行銷資訊本身與優惠卷兩者無法有所關聯，導致公關、行銷、廣告產業長年以來有許多多餘的支出與浪費。另外，因為優惠卷的使用與觀看廣告等行銷資訊兩者不是彼此直接對應的，因此，現今在社群網站、社群影片網站上所播放的廣告如影片、圖片等之點擊率並無法有效反映消費者的實際購買行為，甚至，點擊率是可以用人為的方式提升的，跟無法有效反映消費者實際的行為。 Furthermore, at the level of marketing, marketing companies have spent a lot of money on advertising, distributing various products related to advertising brands and trademarks, but for producing multiple different planes such as paper and posters. For public relations advertisers of various advertisements for advertisements and images of social networking sites, when the sales of various products are increased, decreased or balanced, it is impossible to know which advertisement, which platform advertisement or which type of advertisement Advertising has created a marketing advantage; from which channel (what kind of advertising, platform or print media, etc.) consumers receive coupons, where to use coupons, custom advertisements and other marketing information itself and coupons cannot Related to it, the public relations, marketing, and advertising industries have had many extra expenses and wastes for many years. In addition, because the use of coupons and marketing information such as viewing advertisements do not directly correspond to each other, the click-through rates of advertisements such as videos and photos that are currently broadcast on social networking sites and social media sites cannot be effectively reflected. The actual purchase behavior of consumers, even the click-through rate can be improved in an artificial way, and can not effectively reflect the actual behavior of consumers.

此外，由於現今各樣的社群網站不斷的發展，營銷人員的角色正在從傳統的廣告製作主轉變為有關行銷資訊之即時參與者。營銷人員需要使用數據分析而對的客戶進行追蹤，擬定合理的行銷策略以及即時針對其廣告等行銷資訊進行定位，傳統的紙本與電子優惠卷顯然已無法跟上如此的趨勢。 In addition, as the various social networking sites continue to evolve, the role of marketers is shifting from traditional advertising producers to immediate participants in marketing information. Marketers need to use data analysis to track customers, develop reasonable marketing strategies, and instantly target marketing information such as advertising. Traditional paper and electronic coupons are clearly unable to keep up with this trend.

因此，為克服前述問題，遂有本創作的產生。 Therefore, in order to overcome the aforementioned problems, there is no such creation.

本創作之目的在於提供一種將交易碼結構轉換成付款資訊之系統，其為一種B2B(business-to-business/商家方間透過電子商務的各種方式進行交易)之交易模式，藉以解決習知優惠卷無法快速抵用、優惠卷的使用無法有效與行銷資訊有效結合以及無從得知消費者從何管道取得優惠卷等之問題，而達到將優惠卷所對應之款項撥款給所屬商家方且所屬商家方不用事先付款、有效得知何種廣告促使消費者抵用某一優惠卷、得知消費者從何管道取得優惠卷的多種大數據資訊，作為日後廣告行銷策略擬定的參考。 The purpose of this creation is to provide a system for converting a transaction code structure into payment information, which is a transaction mode of B2B (business-to-business/transaction of merchants through various ways of e-commerce), thereby solving the conventional preferential treatment. The volume cannot be quickly used, the use of the coupon cannot be effectively combined with the marketing information, and there is no way to know the consumer from which the coupon is obtained, and the funds corresponding to the coupon are allocated to the merchant and the merchant. The party does not need to pay in advance, and effectively knows which advertisements cause consumers to use a certain coupon, and learns the various big data information that consumers receive from the pipeline, as a reference for future advertising marketing strategies.

為達前述目的，本創作提供一種將交易碼結構轉換成付款資訊之系統，其執行一方法包括以下步驟：一步驟A、一步驟B以及一步驟C。於該步驟A中，由一第一讀取裝置讀取一交易碼結構，獲得一資訊。於該步驟B中，藉由一授權資訊驗證該資訊。於該步驟C中，藉由該授權資訊取得與該交易碼結構相對應之付款資訊。 To achieve the foregoing objectives, the present disclosure provides a system for converting a transaction code structure into payment information, the method of performing the method comprising the steps of: a step A, a step B, and a step C. In the step A, a transaction code structure is read by a first reading device to obtain a message. In the step B, the information is verified by an authorization information. In the step C, the payment information corresponding to the transaction code structure is obtained by the authorization information.

在一實施例中，其中該交易碼結構是一對應於一商家方之優惠卷之一優惠卷識別碼；其中該步驟A更包括：以該第一讀取裝置讀取該優惠卷識別碼，並將該優惠卷識別碼傳輸至一中介裝置，其中該中介裝置儲存有該授權資訊；其中該資訊是一優惠卷兌換資訊，該優惠卷兌換資訊包括一驗證資訊與一交易資訊；其中該步驟B包括：藉由該授權資訊驗證該驗證資訊是否有效；其中該步驟C更包括：若該驗證資訊有效，則藉由該授權 資訊將該交易資訊轉換成一付款資訊，而該付款資訊供傳輸至一發卡方進行驗證，若該發卡方驗證成功，則將該優惠卷所對應之款項撥款至該商家方。 In an embodiment, the transaction code structure is a coupon volume identifier corresponding to a coupon of a merchant side; wherein the step A further comprises: reading the coupon identifier by the first reading device, And transmitting the coupon identification code to an intermediary device, wherein the intermediary device stores the authorization information; wherein the information is a coupon exchange information, the coupon exchange information includes a verification information and a transaction information; wherein the step B includes: verifying, by the authorization information, whether the verification information is valid; wherein the step C further comprises: if the verification information is valid, by using the authorization The information is converted into a payment information, and the payment information is transmitted to a card issuing party for verification. If the card issuing party verifies the verification, the payment corresponding to the coupon is allocated to the merchant.

在一實施例中，其中於該步驟C中之該付款資訊是包括一複數個虛擬***卡號中之一者；其中該複數個虛擬***卡號是對應複數個商家方且該複數個商家方是對應複數個優惠卷；其中該步驟A中之該商家方是該複數個商家方中之一者且該步驟A中之該優惠卷是該複數個優惠卷中之一者。 In an embodiment, the payment information in the step C is one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to a plurality of merchants and the plurality of merchants are corresponding a plurality of coupons; wherein the merchant in the step A is one of the plurality of merchants and the coupon in the step A is one of the plurality of coupons.

在一實施例中，其中於該步驟A前更包括一步驟X1。於該步驟X1中，將經由一發卡方從一原始***卡號轉換而得之複數個虛擬***卡號傳輸至該中介裝置儲存，並使該複數個虛擬***卡號與複數個優惠卷分別對應複數個商家方。 In an embodiment, a step X1 is further included before the step A. In the step X1, the plurality of virtual credit card numbers converted from an original credit card number by a card issuing party are transmitted to the intermediary device for storage, and the plurality of virtual credit card numbers and the plurality of coupons are respectively corresponding to the plurality of merchants. square.

於一實施例中，其中於該步驟A前更包括一步驟Z，於該步驟Z中，一消費者以一第二讀取裝置讀取一顯示裝置上之條碼而獲得一優惠卷，其中該顯示裝置包括一行銷資訊。 In an embodiment, before the step A, a step Z is further included. In the step Z, a consumer reads a barcode on a display device by using a second reading device to obtain a coupon. The display device includes a row of pin information.

在另一實施例中，其中該交易資訊更包括該優惠卷所對應之款項；其中該優惠卷兌換資訊更包括一優惠卷來源資訊，該優惠卷來源資訊是相對應於該顯示裝置。 In another embodiment, the transaction information further includes a payment corresponding to the coupon; wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the display device.

本創作提供一種將交易碼結構轉換成付款資訊之系統，其包括一中介裝置、一第一讀取裝置。該第一讀取裝置供讀取一交易碼結構以獲得一資訊。該中介裝置，其供儲存一授權資訊，該授權資訊包括複數個授權帳戶，該複數個授權帳戶是與該交易碼結構相關聯，且該中介裝置配 置為以一授權帳戶驗證該資訊，且該中介裝置藉由該授權帳戶取得與該交易碼結構相對應之付款資訊。 The present invention provides a system for converting a transaction code structure into payment information, comprising an intermediary device and a first reading device. The first reading device is configured to read a transaction code structure to obtain a message. The intermediary device is configured to store an authorization information, the authorization information includes a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured The information is verified by an authorized account, and the intermediary device obtains the payment information corresponding to the transaction code structure by the authorized account.

實施時，其中該交易碼結構係為一對應於一商家方之優惠卷之一優惠卷識別碼；其中該中介裝置供接收來自該第一讀取裝置所讀取的該優惠卷識別碼；其中該資訊為一優惠卷兌換資訊，該優惠卷兌換資訊包括一驗證資訊與一交易資訊；該中介裝置供藉由該授權帳戶驗證該驗證資訊是否有效，若該驗證資訊有效，則該中介裝置藉由該授權帳戶將該交易資訊轉換成一付款資訊，並將該付款資訊傳輸至一發卡方進行驗證，若該發卡方驗證成功，則將該優惠卷所對應之款項撥款至該商家方。 In implementation, the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the intermediary device is configured to receive the coupon identifier read from the first reader; The information is a coupon exchange information, the coupon exchange information includes a verification information and a transaction information; the intermediary device is configured to verify whether the verification information is valid by the authorized account, and if the verification information is valid, the intermediary device borrows The transaction information is converted into a payment information by the authorized account, and the payment information is transmitted to a card issuing party for verification. If the card issuing party verifies the verification, the amount corresponding to the coupon is allocated to the merchant.

實施時，其中該付款資訊是包括一複數個虛擬***卡號中之一者；其中該複數個虛擬***卡號是對應複數個商家方且該複數個商家方是對應複數個優惠卷，其中該商家方是該複數個商家方中之一者且該優惠卷是該複數個優惠卷中之一者。 In the implementation, the payment information includes one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to the plurality of merchants, and the plurality of merchants are corresponding to the plurality of coupons, wherein the merchant party Is one of the plurality of merchants and the coupon is one of the plurality of coupons.

實施時，其中該中介裝置更供接收經由一發卡方從一原始***卡號轉換而得之複數個虛擬***卡號；其中該中介裝置更配置為將該複數個虛擬***卡號與複數個優惠卷分別對應複數個商家方。 In the implementation, the intermediary device is further configured to receive a plurality of virtual credit card numbers converted from an original credit card number by a card issuer; wherein the mediation device is further configured to respectively correspond the plurality of virtual credit card numbers to the plurality of coupons Multiple merchants.

實施時，該系統更包括一顯示裝置，其顯示一行銷資訊與一條碼，其中該條碼供該消費者以一第二讀取裝置進行讀取而使該消費者獲得該優惠卷。 In implementation, the system further includes a display device that displays a row of pin information and a code, wherein the bar code is for the consumer to read with a second reading device to cause the consumer to obtain the coupon.

實施時，其中該交易資訊更包括該優惠卷所對應之款項；其中該優惠卷兌換資訊更包括一優惠卷來源資訊，該優惠卷來源資訊是相對應於該顯示裝置。 In the implementation, the transaction information further includes the amount corresponding to the coupon; wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the display device.

1‧‧‧中介裝置 1‧‧‧Intermediary device

2‧‧‧第一讀取裝置 2‧‧‧First reading device

3‧‧‧發卡方 3‧‧‧ card issuer

31‧‧‧發行方 31‧‧‧ Issuer

32‧‧‧收單方 32‧‧‧Receiver

33‧‧‧認證方 33‧‧‧Authorized party

4‧‧‧第二讀取裝置 4‧‧‧second reading device

5‧‧‧顯示裝置 5‧‧‧Display device

6‧‧‧紙本海報、電子看板、平面看板或平台 6‧‧‧paper posters, electronic billboards, flat panels or platforms

第1圖係為本創作之將交易碼結構轉換成付款資訊之系統之實施例之示意圖。 Figure 1 is a schematic diagram of an embodiment of a system for converting a transaction code structure into payment information.

第2A、2B圖係為本創作之將交易碼結構轉換成付款資訊之系統之實施例之示意圖。 2A and 2B are diagrams showing an embodiment of a system for converting a transaction code structure into payment information.

第3圖係為本創作之將交易碼結構轉換成付款資訊之方法之實施例之流程圖。 Figure 3 is a flow diagram of an embodiment of a method of converting a transaction code structure into payment information for the present creation.

第4A、4B圖係為本創作之將交易碼結構轉換成付款資訊之系統之實施例之示意圖。 4A and 4B are schematic views of an embodiment of a system for converting a transaction code structure into payment information.

第5A、5B圖係為本創作之將交易碼結構轉換成付款資訊之系統之實施例之示意圖。 5A and 5B are diagrams showing an embodiment of a system for converting a transaction code structure into payment information.

第6圖係為本創作之將交易碼結構轉換成付款資訊之系統之實施例之示意圖。 Figure 6 is a schematic diagram of an embodiment of a system for converting a transaction code structure into payment information for the present invention.

第7圖係為本創作之將交易碼結構轉換成付款資訊之系統之運作模式之示意圖。 Figure 7 is a schematic diagram of the operational mode of the system for converting the transaction code structure into payment information for the creation.

為對於本創作之特點與作用能有更深入之瞭解，茲藉實施例配合圖式詳述於後，各圖中相同之符號是表示相同或等同的元件。 For the sake of a better understanding of the features and functions of the present invention, the same reference numerals are used to refer to the same or equivalent elements in the drawings.

請參考第6圖，本創作揭露一種將交易碼結構轉換成付款資訊之系統，其包括一中介裝置1、一第一讀取裝置2、一發卡方3、一第二讀取裝置4，該發卡方3包括一發行方31、一收單方32一認證方33。該中介裝 置1供接收來自該第一讀取裝置2所讀取的之對應於一商家方之優惠卷(或，以晶片、磁帶等形式之各種物件)而獲得一交易碼結構(例如，於以下實施例，一優惠卷識別碼)，以獲得一資訊。該中介裝置1供將該優惠卷識別碼轉換、映射或對應成該資訊(例如，於以下實施例，一優惠卷兌換資訊)，其中該優惠卷兌換資訊包括一驗證資訊與一交易資訊。該中介裝置1經配置供儲存一授權資訊，該授權資訊包括複數個授權帳戶(authorization account)，該複數個授權帳戶是與該交易碼結構相關聯；且該中介裝置1配置為以一授權帳戶驗證該資訊，且該中介裝置1藉由該授權帳戶取得與該交易碼結構相對應之付款資訊。該中介裝置1藉由該授權帳戶驗證該驗證資訊是否有效，若該中介裝置1驗證該驗證資訊有效，則該中介裝置1將該交易資訊轉換成一付款資訊，並將該付款資訊傳輸至該發卡方3進行驗證，若該發卡方3驗證成功，則將該優惠卷所對應之款項撥款至該商家方。 Referring to FIG. 6, the present disclosure discloses a system for converting a transaction code structure into payment information, comprising an intermediary device 1, a first reading device 2, a card issuing party 3, and a second reading device 4. The card issuer 3 includes an issuer 31 and an acquirer 32 and an authenticator 33. The intermediary Setting a file to receive a coupon (or various items in the form of a wafer, a tape, etc.) corresponding to a merchant read from the first reading device 2 to obtain a transaction code structure (for example, implemented below) For example, a coupon code) to get a message. The mediation device 1 converts, maps, or maps the coupon identification code into the information (for example, in the following embodiment, a coupon exchange information), wherein the coupon redemption information includes a verification information and a transaction information. The mediation device 1 is configured to store an authorization information, the authorization information includes a plurality of authorization accounts, the plurality of authorization accounts are associated with the transaction code structure; and the mediation device 1 is configured to be an authorized account The information is verified, and the intermediary device 1 obtains payment information corresponding to the transaction code structure by the authorized account. The intermediary device 1 verifies whether the verification information is valid by the authorized account. If the intermediary device 1 verifies that the verification information is valid, the intermediary device 1 converts the transaction information into a payment information, and transmits the payment information to the card issuance. The party 3 performs verification, and if the card issuer 3 verifies the verification, the money corresponding to the coupon is allocated to the merchant.

請參考第3圖，本創作另揭露一種將優惠卷所對應之款項撥款給商家方之方法，其包括：步驟A：由該第一讀取裝置2讀取該交易碼結構，獲得該資訊；步驟B：藉由該授權資訊驗證該資訊；步驟C：藉由該授權資訊取得與該交易碼結構相對應之付款資訊。 Please refer to FIG. 3 , the method further discloses a method for allocating funds corresponding to a coupon to a merchant, comprising: Step A: reading the transaction code structure by the first reading device 2 to obtain the information; Step B: verifying the information by the authorization information; Step C: obtaining the payment information corresponding to the transaction code structure by using the authorization information.

以下將詳述本創作之方法與系統。首先，於該步驟A前更包括：於步驟X1中，該發行方31提供一經註冊於該發行方31之原始***卡號(Real Card Number/RCN)與信用額度(credit facility)至該中介裝置1。在一實施例中，該中介裝置1是一平台(platform)或伺服器(server)。該發 行方31(Issuer)是一金融單位如銀行等；該認證方是***認證中心(Institute for Certification of Computer Profession)如VISA、Master Card等；本創作於後文所提之收單方(Acquirer)為收單機構如一般銀行等。接著，該認證方33將該原始***卡號轉換成複數個虛擬***卡號(Virtual Card Number/VCN)，並將該複數個虛擬***卡號傳輸至該中介裝置1儲存。在一實施例中，該複數個虛擬***卡號是可儲存於該授權帳戶中。本創作之虛擬***卡號是為動態變動式之虛擬***卡號(Dynamic VCN)，該複數個虛擬***卡號中之每一者皆為隨機產生。此外，為確保虛擬***卡號中之每一者之安全性，在一實施例中，本創作之虛擬***卡號中之每一者皆不會透露給商家與消費者等。再，將該複數個虛擬***卡號與複數個優惠卷分別設定為對應複數個商家方。換言之，本創作可以多個複數個虛擬***卡號之相異者來區分對應於不同商家之優惠卷兌換時所對應之款項的支付。在一實施例中，本創作之虛擬***卡號與商家方是「一對一」之對應。在另一實施例中，本創作之虛擬***卡號也可與商家方及其子商家方「一對多」、「多對一」對應。在另一實施例中，一個品牌有多個實體或線上商店，但每個實體或線上商店屬於不同的法人實體(即，具有不同的銀行帳戶)，在此實施例中每個商店需設定不同的商家方識別碼(MID)，意即，前述每個商店將對應有不同之VCN(由於相異之MID)。例如，百貨公司裡面具有多個不同品牌的實體店家，由於優惠卷抵用時之撥款是至不同之商家方之帳戶，所以不同品牌的實體店家會對應不同的VCN；或，一線上電商平台其中有不同的線上商店也是如此實施。本創作利用多組虛擬***卡號分別對應相異之商家方(含其子商家或不 含其子商家的情況)，而多組虛擬***卡號則是對應一實體***卡號，藉此解決習知之優惠卷因著需由多個不同商家方付款而產生的前述技術問題。換言之，只需有一家公司行號具有良好的信用額度與忠誠度(Loyalty)，就可以替多個不同商家以對應多個虛擬***卡號之實體***卡號進行付款與相關的管理。再，其中該收單方32包括複數個商家方識別碼，該複數個商家方識別碼(MID)是對應該複數個商家方，供該收單方32辨識各個商家方以供後續撥款步驟之用。當前述步驟皆完成之後，該中介裝置1設定一促銷活動所對應之多個促銷活動項目，例如，某一藥妝店之多個產品如牙膏、化妝品、護手霜之有關促銷活動項目。化妝品促銷活動項目底下設置多種類型之優惠卷例如折扣5%、折扣台幣50元或一免費兌換面霜等，之後將該等優惠卷分配至各個行銷管道，說明如後。 The method and system of this creation will be detailed below. First, before the step A, the method further includes: in step X1, the issuer 31 provides a real credit card number (Real Card Number/RCN) and a credit facility registered to the issuer 31 to the mediation device 1 . In an embodiment, the mediation device 1 is a platform or a server. The hair The Bank 31 (Issuer) is a financial unit such as a bank; the certifying party is an Institute for Certification of Computer Profession such as VISA, Master Card, etc.; the creation is based on the Acquirer mentioned later. Single institutions such as general banks. Next, the authenticator 33 converts the original credit card number into a plurality of virtual card numbers (VCN), and transmits the plurality of virtual credit card numbers to the mediation device 1 for storage. In an embodiment, the plurality of virtual credit card numbers are storable in the authorized account. The virtual credit card number of the present creation is a dynamically changing virtual credit card number (Dynamic VCN), and each of the plurality of virtual credit card numbers is randomly generated. In addition, to ensure the security of each of the virtual credit card numbers, in one embodiment, each of the virtual credit card numbers of the creation is not disclosed to the merchant, the consumer, and the like. Then, the plurality of virtual credit card numbers and the plurality of coupons are respectively set to correspond to a plurality of merchants. In other words, the present creation can distinguish the payment corresponding to the payment corresponding to the coupon exchange of different merchants by the plurality of different virtual credit card numbers. In one embodiment, the virtual credit card number of the present creation corresponds to the merchant side as "one to one." In another embodiment, the virtual credit card number of the present creation may also correspond to the "one-to-many" and "many-to-one" of the merchant side and its sub-merger side. In another embodiment, a brand has multiple entities or online stores, but each entity or online store belongs to a different legal entity (ie, has a different bank account), and in this embodiment each store needs to be set differently. Merchant identification number (MID), meaning that each of the aforementioned stores will have a different VCN (due to the different MID). For example, a department store has a number of different brands of physical stores. Since the grants for the coupons are different to the accounts of different merchants, the physical stores of different brands will correspond to different VCNs; or, the online e-commerce platform There are different online stores that are also implemented. This creation uses multiple sets of virtual credit card numbers to correspond to different merchants (including their sub-businesses or not) In the case of a sub-merger, the plurality of sets of virtual credit card numbers correspond to a physical credit card number, thereby solving the aforementioned technical problem caused by the need for payment by a plurality of different merchants. In other words, only one company line number has a good credit line and loyalty (Loyalty), and it is possible to perform payment and related management for a plurality of different merchants with physical credit card numbers corresponding to multiple virtual credit card numbers. Further, the acquirer 32 includes a plurality of merchant identification codes (MIDs) corresponding to a plurality of merchants for the acquirer 32 to identify each merchant for use in a subsequent appropriation step. After the foregoing steps are completed, the mediation device 1 sets a plurality of promotional items corresponding to a promotion activity, for example, a plurality of products of a drug store such as toothpaste, cosmetics, and hand cream related promotional items. Under the cosmetics promotion project, various types of coupons such as a discount of 5%, a discount of NT$50 or a free exchange of face cream, etc., are set, and then the coupons are distributed to various marketing channels, as explained later.

接著，請參考第1圖，於該步驟A前更包括一步驟Z，於該步驟Z中，一消費者以該第二讀取裝置4讀取一顯示裝置5、一紙本海報或電子看板、平面看板或平台6、社群網站(如臉書、IG、微博、YouTube)等電子或非電子之行銷管道上或其發佈之影片、廣告或影片所內含廣告之條碼等，例如：如QR碼(QR code)而連接至一優惠卷平台(請參考第4A圖所示)或優惠卷本身而獲得一優惠卷(請參考第2A、4B圖所示)。該顯示裝置5包括一行銷資訊，該行銷資訊可以是與該(等)條碼相關的文字描述、圖片、影片或聲音等。例如，在一實施例中，該顯示裝置5是包括某大型連鎖餐飲的行銷資訊如新的菜色以促銷方案之文字描述、圖片、影片或聲音等，該顯示裝置5也包括與此促銷方案相關的優惠卷之QR碼如特定餐點優惠、雙人套餐優惠等，讓該消費者可以經由該第二讀取裝置4如智慧型手機、平版 電腦等之QR碼讀取程式等進行讀取而獲得此種大眾型(Public)優惠卷，大眾型優惠卷為任何人可以取得之優惠卷類型。在另一實施例中，該行銷資訊可以是與該(等)網路連接非直接相關的優惠卷。例如，該行銷資訊是一保險公司的最新保單介紹，而該顯示裝置5、紙本海報或電子看板或平面看板6等所條列之QR碼等所對應之優惠卷則是如免費健康檢查、用餐優惠、商場購物折抵、機票折抵等與該(等)行銷資訊非直接相關的個人型(Personal)優惠卷，個人型優惠卷是特定的使用者方能使用之優惠卷，例如：以使用者ID(user ID、E-mail或手機等)作為區分的標準。在另一實施例中，如第1圖所示，連接至本創作之優惠卷之網路連接(QR碼)也可以由營銷人員經由電子信箱、手機而提供給消費者，特別是關於一些高價值產品的個人型優惠卷如手機、筆電、機票等的優惠卷。請參考第2A、2B圖，本創作之優惠卷是包括一QR碼、店家/商品圖片、促銷活動名稱、折扣類型、折扣比例或折扣金額、使用日期、備註欄、關鍵字欄位等。該QR碼包括一優惠卷識別碼(訊息)。若優惠卷已經被抵用過，則該QR碼上會被覆蓋有已兌換的標籤。在另一實施例中，本創作是可產生一推薦型(Referral)優惠卷，意即，本創作之優惠卷可由一使用者推薦給另一使用者，而增加本創作之優惠卷於多個使用者間之流通上的彈性；或，使用者可以類似品牌代言的方式(如網紅、網路名人推薦某種優惠卷等之方式)將優惠卷推薦給新用戶。 Next, referring to FIG. 1 , before step A, a step Z is further included. In this step Z, a consumer reads a display device 5, a paper poster or an electronic board with the second reading device 4. , on the electronic or non-electronic marketing channels of social networking sites (such as Facebook, IG, Weibo, YouTube), or the barcodes of advertisements, advertisements or videos contained in social media sites (such as Facebook, IG, Weibo, YouTube), such as: For example, the QR code is connected to a coupon platform (please refer to Figure 4A) or the coupon itself to obtain a coupon (please refer to Figures 2A and 4B). The display device 5 includes a row of pin information, which may be a text description, a picture, a movie or a sound, etc. associated with the bar code. For example, in an embodiment, the display device 5 is a marketing description including a large restaurant chain, such as a new menu color, a text description of a promotion scheme, a picture, a movie, or a sound. The display device 5 also includes a promotion related to the promotion scheme. The QR code of the coupon, such as a specific meal offer, a double package offer, etc., allows the consumer to pass the second reading device 4 such as a smart phone, lithography A public-type (Public) coupon is obtained by reading a QR code reading program such as a computer, and the popular coupon is a coupon type that can be obtained by anyone. In another embodiment, the marketing information may be a coupon that is not directly related to the (etc.) network connection. For example, the marketing information is an introduction to the latest policy of an insurance company, and the coupons corresponding to the QR code such as the display device 5, the paper poster or the electronic signboard or the plane billboard 6 are, for example, a free health check. Dining discounts, shopping mall discounts, ticket discounts, etc. Personalized coupons that are not directly related to the marketing information, personal coupons are coupons that can be used by specific users, for example: The user ID (user ID, E-mail, or mobile phone, etc.) is used as a standard for differentiation. In another embodiment, as shown in FIG. 1, the network connection (QR code) connected to the coupon of the present creation can also be provided to the consumer by the marketer via the electronic mail box or the mobile phone, especially regarding some high Personalized coupons for value products such as mobile phones, laptops, airline tickets, etc. Please refer to the 2A and 2B drawings. The coupon of this creation includes a QR code, store/commodity picture, promotion name, discount type, discount ratio or discount amount, usage date, remark column, keyword field, and the like. The QR code includes a coupon code (message). If the coupon has been used, the QR code will be overwritten with the redeemed label. In another embodiment, the creation is to generate a Referral Coupon, that is, the Coupon of the creation can be recommended by one user to another user, and the Coupon of the creation is added to the plurality of Coupons. The flexibility of circulation between users; or, users can recommend coupons to new users in a manner similar to brand endorsements (such as web red, online celebrities recommending certain coupons, etc.).

此外，請參考第5A、5B圖，為了安全性的考量，當消費者要抵用前述對應高價值產品的優惠卷如手機、筆電、機票等高價值品的優惠卷時，本創作是設定為消費者需取得發送至個人手機或電子信箱之激活 密碼以激活優惠卷的多重認證的方式，藉以增加抵用高價值產品的優惠卷之安全性。 In addition, please refer to the 5A and 5B diagrams. For the sake of safety, when the consumer wants to use the coupons of the high-value products such as mobile phones, laptops, airline tickets, etc. For consumers to get activated to send to personal mobile phone or email The password activates the multi-certification of the coupon to increase the security of coupons that are worthy of high-value products.

再，於該步驟A中，位於一實體店家或線上店家之該第一讀取裝置2讀取對應於該商家方之優惠卷上之前述QR碼而獲得該優惠卷識別碼，並將該優惠卷識別碼傳輸至該中介裝置1。該優惠卷識別碼是一組唯一的數個位數的數字、文字之組合。再，該中介裝置1將該優惠卷識別碼對應、映射或轉換成一優惠卷兌換資訊，此轉換可以事先於該中介裝置1中設定好相對應之資料或於線上即時對應有關資料而進行轉換。該優惠卷兌換資訊包括一驗證資訊、一交易資訊或一優惠卷來源資訊，該驗證資訊包括：促銷活動識別碼(促銷活動ID)、促銷活動名稱、優惠卷名稱、優惠卷識別碼、優惠卷使用/更新日期、優惠卷激活狀態、消費者識別碼(使用者ID、E-mail、手機號碼)、金鑰值配對、折扣內容、商家方識別碼(MID)、抵用商店識別碼(store ID)、商品/服務識別碼及其最高/最低抵用次數等，該優惠卷來源資訊是該消費者是於何處取得優惠卷且該優惠卷來源資訊是相對應於該顯示裝置5、該紙本海報或電子看板、平面看板或平台6之資訊，藉以讓本創作之系統獲取如該優惠卷是從何管道(如：哪一則廣告中之優惠卷條碼)取得、誰在使用、由誰推薦、在哪個商店抵用什麼產品等從行銷、交易至撥款之所有細節。該交易資訊包括根據折扣比例或金額、當日匯率等所換算而得之要支付給該商家方之款項金額，即，該優惠卷所對應之實際款項。換言之，本創作考慮到安全性的問題，該優惠卷本身僅包括該優惠卷識別碼。當然，在其他實施例中，本創作也可以視情況如系統效能等將該驗證資訊、該交易資訊或該優惠卷來源資訊重新調整而分配於優惠卷中，皆在 本創作之範圍內。接著，該中介裝置1驗證該驗證資訊是否有效，包括驗證前述的資訊如有效日期、是否激活或是否已經抵用等是否與前述所設定者完全一致，在此不贅述。在另一實施例中，也可以僅驗證前述優惠卷識別碼與該中介裝置1所設定者是否一致即可，藉以增進系統效能。於該步驟B中，若該中介裝置1藉由該授權資訊驗證該驗證資訊有效，即，前述所提之所有驗證資訊都與預設之資訊、條件等符合，例如，消費者在優惠卷所對應之抵用商店抵用優惠卷等，表示優惠卷可以正常使用，則於該步驟C中，該中介裝置1將該交易資訊轉換成一付款資訊，該付款資訊是包括該商家方所對應之特定虛擬***卡號與該優惠卷所對應之款項，而將該付款資訊傳輸至該發卡方3進行驗證。所以，由前述內容可知，由於該優惠卷識別碼是與前述優惠卷兌換資訊中之每一資訊對應，因此，如前所述，可經由本創作之優惠卷得知從消費者從何種管道(包括從哪一種類型之行銷資訊、社群網站之連接或行銷影片中之廣告等)而得知哪一個促銷活動而獲得優惠卷開始，然後到哪一種店面(實體店面、線上店面)中之哪一個特定店面(餐廳、藥妝店、百貨公司等)進行抵用，本創作可以有效掌握從行銷媒介(優惠卷之取得)到消費者抵用優惠卷之過程中之所有細節，將行銷與消費兩者串聯起來。再，於該步驟C中，若該發卡方3驗證成功，即，此筆交易(transaction)成立，則將該優惠卷所對應之款項於幾個工作天後撥款至該商家方，而達到將優惠卷所對應之款項撥款給該商家方之技術效果(B2B)。在另一實施例中，當消費者A分享該推薦型優惠卷給消費者B時，該驗證資訊會包括被分享者之使用者識別碼(ID)之資訊，藉以追蹤是哪位消費者推薦給哪位消費者，而該被分享優惠卷的優惠卷識別碼也會同步 更新。在另一實施例中，當消費者A分享該推薦型優惠卷給消費者B時，除了優惠卷識別碼會同步更新外，該優惠卷兌換資訊的內容如該等驗證資訊也會一併更新，藉以增加本創作之優惠卷之整體安全性。 Then, in the step A, the first reading device 2 located at a physical store or an online store reads the QR code corresponding to the merchant's coupon, and obtains the coupon identification code, and the offer is obtained. The volume identification code is transmitted to the mediation device 1. The coupon identifier is a combination of a unique number of digits and a combination of words. Then, the mediation device 1 correspondingly maps, converts, or converts the coupon identification code into a coupon exchange information, and the conversion may be performed by previously setting the corresponding data in the mediation device 1 or immediately responding to the relevant data on the line. The coupon redemption information includes a verification information, a transaction information or a coupon source information, and the verification information includes: a promotion identifier (promotion ID), a promotion name, a coupon name, a coupon identifier, a coupon. Use/update date, coupon activation status, consumer ID (user ID, E-mail, mobile number), key value pairing, discount content, merchant identification number (MID), discount store identifier (store ID), product/service identifier and its maximum/minimum number of times, etc., the coupon source information is where the consumer obtains the coupon and the coupon source information corresponds to the display device 5, the Paper posters or electronic billboards, flat panels or platform 6 information, so that the system of the creation can obtain, for example, the channel from which the coupon (eg, which coupon in the advertisement is available), who is using it, and who is using it. Recommend, in which store, what products, etc., from marketing, trading to appropriation. The transaction information includes the amount of money to be paid to the merchant based on the discount ratio or amount, the current exchange rate, etc., that is, the actual amount corresponding to the coupon. In other words, the creation considers the issue of security, and the coupon itself includes only the coupon identifier. Of course, in other embodiments, the creation may also be allocated to the coupon in the form of system performance, such as system performance, etc., by re-adjusting the verification information, the transaction information, or the source information of the coupon. Within the scope of this creation. Then, the mediation device 1 verifies whether the verification information is valid, including verifying whether the foregoing information, such as the expiration date, whether it is activated, or whether it has been used, is completely consistent with the foregoing setter, and is not described herein. In another embodiment, it is also possible to verify that the coupon volume identification code is consistent with the setting of the mediation device 1 to improve system performance. In the step B, if the mediation device 1 verifies that the verification information is valid by the authorization information, that is, all the verification information mentioned above is consistent with the preset information, conditions, etc., for example, the consumer is in the coupon. In the corresponding step C, the intermediary device 1 converts the transaction information into a payment information, and the payment information includes the specific information corresponding to the merchant. The virtual credit card number corresponds to the amount corresponding to the coupon, and the payment information is transmitted to the card issuer 3 for verification. Therefore, as can be seen from the foregoing, since the coupon identification code corresponds to each of the coupon conversion information, as described above, it can be learned from the consumer through the coupon of the creation. (including which type of marketing information, connections to social networking sites, advertisements in marketing videos, etc.) to know which promotion to get the coupon, and then to which store (physical store, online store) Which specific storefront (restaurant, drug store, department store, etc.) is used for this purpose, this creation can effectively grasp all the details from the marketing media (acquisition of the coupon) to the consumer's use of the coupon, and will be marketing and Consumption is linked in tandem. Then, in the step C, if the card issuer 3 is successfully verified, that is, the transaction is established, the money corresponding to the coupon is allocated to the merchant after several working days, and the The amount corresponding to the coupon is allocated to the merchant's technical effect (B2B). In another embodiment, when the consumer A shares the recommended coupon to the consumer B, the verification information includes information of the user ID (ID) of the shareee, thereby tracking which consumer recommendation is recommended. To which consumer, and the coupon ID of the shared coupon will be synchronized Update. In another embodiment, when the consumer A shares the recommended coupon to the consumer B, the content of the coupon redemption information, such as the verification information, is updated together, except that the coupon identifier is updated synchronously. In order to increase the overall security of the coupons of this creation.

再，於另一實施例中，請參考第6圖，該步驟A中更包括一步驟A1。於該步驟A1中，如前所述，該中介裝置1將該優惠卷識別碼轉換、映射或對應成該優惠卷兌換資訊。於該步驟C中更包括，若該中介裝置1驗證該驗證資訊有效，則該中介裝置1將該交易資訊轉換成包括該虛擬***卡號之該付款資訊，且將該付款資訊傳輸至該收單方32。該收單方32將該虛擬***卡號及該款項傳輸至該認證方33，該認證方33將該虛擬***卡號傳輸至該發行方31進行驗證，驗證其所對應之原始***卡號(RCN)，藉以確認該虛擬***卡號是否正確。而該步驟C更包括一步驟C1，於該步驟C1中，若該發行方31驗證成功，則發送一確認付款訊息至該收單方32，使該收單方32將該款項根據該商家方識別碼撥款給該商家方，而完成本創作整個優惠卷撥款的步驟。 In another embodiment, please refer to FIG. 6, which further includes a step A1. In the step A1, as described above, the mediation device 1 converts, maps or correspondingly converts the coupon identification code into the coupon exchange information. In the step C, if the mediation device 1 verifies that the verification information is valid, the mediation device 1 converts the transaction information into the payment information including the virtual credit card number, and transmits the payment information to the acquirer. 32. The acquirer 32 transmits the virtual credit card number and the money to the authenticator 33, and the authenticator 33 transmits the virtual credit card number to the issuer 31 for verification, and verifies the original credit card number (RCN) corresponding thereto. Confirm that the virtual credit card number is correct. The step C further includes a step C1. In the step C1, if the issuer 31 verifies the verification, a confirmation payment message is sent to the acquirer 32, so that the acquirer 32 determines the payment according to the merchant identification code. Grant the money to the merchant and complete the steps for the entire coupon rollout for this creation.

此外，本創作之方法與系統是以符合應用程式介面(RESTful application programming interface/API)之架構進行規劃，因此可以有效相容於現今大部分的支付/金流系統之各種介面。換言之，本創作可以省去現今程式開發中所必須的伺服器之架設、維護與管理，而可以有效併入各個廠商現有系統(如IOS或Android系統之APP)之伺服器中。 In addition, the method and system of this creation is planned in a framework that conforms to the RESTful application programming interface (API), and thus is effectively compatible with various interfaces of today's payment/gold flow systems. In other words, this creation can save the erection, maintenance and management of the servers necessary for today's program development, and can be effectively incorporated into the servers of existing vendors' existing systems (such as IOS or Android system APP).

請參考第7圖，首先，本創作之方法與系統是能「即時」根據預算大小與目標消費者之消費習慣有效選擇合適的合作商家方而即時進行促銷活動的發起，包括促銷活動項目設定、促銷活動項目之優惠卷設定。 再，藉由以雲端儲存為基礎的自動化優惠卷撥款流程(以API架構)進行優惠卷的產生、分配、激活與抵用而獲得消費者之消費習慣數據如追踪消費者對於廣告之反應、優惠卷取得路徑與抵用之相關數據而獲得消費者之消費行為數據。最後，進行營銷活動資料分析，而擬定新的營銷策略、獲得消費者的整體視野、促進終身價值(Lifetime Value)並提升更深入的營銷洞察力。 Please refer to Figure 7. First of all, the method and system of this creation can initiate the promotion immediately, according to the budget size and the consumption habits of the target consumers, and the promotion of the promotion activities, including the promotion project setting, Promotional item set for promotional items. Then, through the cloud-based storage-based automated coupon circulation process (with API architecture), the consumer's consumption habit data is obtained by the generation, distribution, activation and offset of the coupon volume, such as tracking the consumer's reaction to the advertisement, and the preferential treatment. The volume obtains the path and the related data to obtain the consumer's consumption behavior data. Finally, conduct marketing data analysis, and develop new marketing strategies, gain a consumer's overall vision, promote lifetime value and enhance deeper marketing insight.

此外，經由本創作之系統所取得之數據可進行如描述性分析，即，查看行銷活動與優惠卷抵用業務中發生的所有事情。例如，廣告發佈頻率和不同管道如何影響每個廣告系列的每位用戶的交易(transaction)次數；診斷分析，即，了解某些事件為什麼會發生，如廣告發佈行為對銷售量的影響。於客戶調查方面，本創作將習知的市場調查應用於本創作之方法與系統所產生之數據之分析，使營銷人員不僅能夠追踪客戶意圖，還能追蹤實際購買行為。本創作之方法與系統可以幫助營銷人員測試特定消費者的需求，並通過將數據分析所得的行銷與優惠卷抵用之真實內容相結合，來幫助實現所需達成目標。於人工智慧方面，經由本創作收集的所有數據，營銷人員可以進行消費者與市場發展的預測，使用歷史數據來預測未來可能之結果。例如，通過使用無監督機器學習(unsupervised machine learning)對客戶進行分析，通過回歸模型(regression model)預測銷售量或客戶終身價值(Lifetime Value)，並使用來自自動化調查系統(automated survey system)的評論和評級(ratings)來進行產品情緒分析(product sentiment analysis)。 In addition, the data obtained through the system of the present creation can be subjected to, for example, a descriptive analysis, that is, to view everything that occurs in the marketing activity and the coupon-receiving business. For example, how often the ad delivery frequency and different pipelines affect the number of transactions per user per campaign; diagnostic analysis, that is, understand why certain events occur, such as the impact of ad publishing behavior on sales. For customer surveys, this creation applies a well-known market survey to the analysis of the data generated by the method and system of this creation, enabling marketers to not only track customer intent, but also track actual purchase behavior. The method and system of this creation can help marketers test the needs of specific consumers and help achieve the desired goals by combining the marketing of data analysis with the real content of the coupons. In terms of artificial intelligence, through all the data collected by this creation, marketers can make predictions about consumer and market development, using historical data to predict possible future outcomes. For example, by using unsupervised machine learning to analyze customers, predicting sales volume or customer lifetime value (returnion model), and using comments from automated survey system (automated survey system) And ratings for product sentiment analysis.

因此，本創作具有以下之優點： Therefore, this creation has the following advantages:

1.從設置優惠卷促銷活動開始，本創作可以有效設定合理的預算與目標消費者而針對不同商家方「即時」發起促銷活動而提供不同類型、內容之優惠卷，藉由將多個虛擬***卡號對應不同的商家方，有效將優惠卷所對應之款項撥款給不同的商家方(B2B)，商家方再也不用事先墊款。 1. Starting from the setting of the coupon promotion, this creation can effectively set a reasonable budget and target consumers and provide different types and content coupons for different merchants to "instantly" initiate promotions, by placing multiple virtual credit cards. The card number corresponds to different merchants, and the funds corresponding to the coupons are effectively allocated to different merchants (B2B), and the merchants no longer need to advance in advance.

2.本創作之VCN支付可降低金融方面之法令遵循等相關事務的複雜性，並有助於實現零浪費。發放優惠卷方不再需要提前付款，商家方可以在消費者兌換優惠券時立即通過本創作所設定之虛擬***(VCN)獲得付款授權而於幾天後獲得款項。VCN支付解決方案不僅可以簡化風險管理、降低整體運營成本，還可以增強對整個優惠卷抵用流程之管理。 2. The VCN payment of this creation can reduce the complexity of related matters such as compliance with financial laws and help achieve zero waste. The coupon is no longer required to be paid in advance, and the merchant can obtain the payment authorization by the virtual credit card (VCN) set by the author immediately when the consumer redeems the coupon, and obtain the payment in a few days. The VCN payment solution not only simplifies risk management, lowers overall operating costs, but also enhances the management of the entire coupon roll-off process.

3.本創作是以API程式語言架構本創作之系統，換言之，本創作之系統可以有效直接整合在現今大部分之電子支付架構中，不用重新設置APP專屬的伺服器。 3. This creation is based on the API programming language architecture. In other words, the creation system can be directly integrated into most of today's electronic payment architecture without resetting the APP-specific server.

4.本創作經由混合雲和Web API，可即時連接至廣告系列性能的營銷信息甚至消費者行為。營銷人員經由本創作之方法與系統可以追踪用戶獲得優惠券取得的所有細節(無論是通過在線廣告、臉書、實體雜誌或其他渠道的條碼)、直到什麼優惠卷券於何時、如何以及在哪裡被抵用。 4. This creation provides instant access to campaign information and even consumer behavior through campaigns and web APIs. Through this creative method and system, marketers can track all the details of the user's access to the coupon (whether through online advertising, Facebook, physical magazines or other channels), until and when, and where Was used.

5.本創作可以提供推薦型優惠卷，讓消費者代表某品牌推薦、宣傳與分享優惠卷，本創作不僅可以追踪哪個消費者推薦、宣傳與分享給哪個消費者，還可以精準衡量CPT(每筆交易成本)而設定 對某種優惠卷最佳的發放策略如個人型、公開型或推薦型。 5. This creation can provide recommended coupons for consumers to recommend, promote and share coupons on behalf of a brand. This creation can not only trace which consumers recommend, promote and share to which consumers, but also accurately measure CPT (per Set by transaction cost) The best distribution strategy for a certain coupon is personal, public or recommended.

6.本創作之方法與系統能夠有效將消費者觀看行銷資訊並取得優惠卷後之兌換行為整體加以追蹤，讓營銷人員能有效追蹤消費者對於行銷資訊之反應如優惠卷取得之管道與抵用狀況之數據，而獲得消費者之消費習慣之數據進行大數據分析，從而達到擬定新的營銷策略、獲得消費者的整體視野、促進終身價值並提升更深入的營銷洞察力之無法預期的技術效果。 6. The method and system of the creation can effectively track the redemption behavior of the consumer after viewing the marketing information and obtaining the coupon, so that the marketer can effectively track the consumer's reaction to the marketing information, such as the pipeline and the credit of the coupon. Data on the status, and data on consumer spending habits for big data analysis to achieve unpredictable technical results in developing new marketing strategies, gaining a consumer's overall vision, promoting lifetime value and enhancing deeper marketing insights .

以上所述乃是本創作之具體實施例及所運用之技術手段，根據本文的揭露或教導可衍生推導出許多的變更與修正，若依本創作之構想所作之等效改變，其所產生之作用仍未超出說明書及圖式所涵蓋之實質精神時，均應視為在本創作之技術範疇之內，合先陳明。 The above is a specific embodiment of the present invention and the technical means used therein, and many changes and modifications can be derived therefrom according to the disclosure or teachings herein, and the equivalent changes made according to the concept of the present invention are produced. The role shall not be considered to be within the technical scope of this creation, and shall be preceded by Chen Ming.

依上文所揭示之內容，本創作確可達到新型之預期目的，提供一種將優惠卷所對應之款項撥款給商家方之系統，具有產業利用與實用之價值無疑，爰依法提出新型專利申請。 According to the content disclosed above, this creation can achieve the new intended purpose, and provide a system for allocating funds corresponding to the coupon to the merchant side. The value of industrial utilization and practicality is undoubted, and a new patent application is filed according to law.

Claims (6)

一種將交易碼結構轉換成付款資訊之系統，其包括：一第一讀取裝置，其供讀取一交易碼結構以獲得一資訊；一中介裝置，其供儲存一授權資訊，該授權資訊包括複數個授權帳戶，該複數個授權帳戶是與該交易碼結構相關聯，且該中介裝置配置為以一授權帳戶驗證該資訊，且該中介裝置藉由該授權帳戶取得與該交易碼結構相對應之付款資訊。 A system for converting a transaction code structure into payment information, comprising: a first reading device for reading a transaction code structure to obtain a message; and an intermediary device for storing an authorization information, the authorization information including a plurality of authorized accounts, the plurality of authorized accounts are associated with the transaction code structure, and the intermediary device is configured to verify the information with an authorized account, and the intermediary device obtains the transaction code structure by using the authorized account Payment information. 如申請專利範圍第1項所述之系統，其中該交易碼結構係為一對應於一商家方之優惠卷之一優惠卷識別碼；其中該中介裝置供接收來自該第一讀取裝置所讀取的該優惠卷識別碼；其中該資訊為一優惠卷兌換資訊，該優惠卷兌換資訊包括一驗證資訊與一交易資訊；該中介裝置供藉由該授權帳戶驗證該驗證資訊是否有效，若該驗證資訊有效，則該中介裝置藉由該授權帳戶將該交易資訊轉換成一付款資訊，並將該付款資訊傳輸至一發卡方進行驗證，若該發卡方驗證成功，則將該優惠卷所對應之款項撥款至該商家方。 The system of claim 1, wherein the transaction code structure is a coupon identifier corresponding to a coupon of a merchant; wherein the intermediary device is configured to receive the read from the first reader The coupon identification code; wherein the information is a coupon exchange information, the coupon redemption information includes a verification information and a transaction information; the intermediary device is configured to verify, by the authorized account, whether the verification information is valid, if If the verification information is valid, the intermediary device converts the transaction information into a payment information by using the authorized account, and transmits the payment information to a card issuing party for verification. If the card issuing party successfully verifies, the corresponding volume corresponding to the coupon is Funds are allocated to the merchant. 如申請專利範圍第2項所述之系統，其中該付款資訊是包括複數個虛擬***卡號中之一者；其中該複數個虛擬***卡號是對應複數個商家方且該複數個商家方是對應複數個優惠卷，其中該商家方是該複數個商家方中之一者且該優惠卷是該複數個優惠卷中之一者。 The system of claim 2, wherein the payment information is one of a plurality of virtual credit card numbers; wherein the plurality of virtual credit card numbers are corresponding to a plurality of merchants and the plurality of merchants are corresponding plural a coupon, wherein the merchant is one of the plurality of merchants and the coupon is one of the plurality of coupons. 如申請專利範圍第3項所述之系統，其中該中介裝置更供接收經由一發卡方從一原始***卡號轉換而得之複數個虛擬***卡號；其中該中介裝置更配置為將該複數個虛擬***卡號與複數個優惠卷分別對應複 數個商家方。 The system of claim 3, wherein the intermediary device is further configured to receive a plurality of virtual credit card numbers converted from an original credit card number by a card issuer; wherein the mediation device is further configured to virtualize the plurality of virtual credit card numbers The credit card number and the plurality of coupons are respectively corresponding to each other. Several merchants. 如申請專利範圍第2、3或4項所述之系統，其更包括：一顯示裝置，其顯示一行銷資訊與一條碼，其中該條碼供該消費者以一第二讀取裝置進行讀取而使該消費者獲得該優惠卷。 The system of claim 2, 3 or 4, further comprising: a display device displaying a row of pin information and a code, wherein the bar code is for the consumer to read by a second reading device And the consumer gets the coupon. 如申請專利範圍第5項所述之系統，其中該交易資訊更包括該優惠卷所對應之款項，其中該優惠卷兌換資訊更包括一優惠卷來源資訊，該優惠卷來源資訊是相對應於該顯示裝置。 The system of claim 5, wherein the transaction information further includes a payment corresponding to the coupon, wherein the coupon redemption information further includes a coupon source information, and the coupon source information is corresponding to the Display device.