TWM588303U - Electronic red envelope system - Google Patents
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Abstract
一種電子紅包系統，包含一發送端電子裝置、一接收端電子裝置、一紅包管理伺服器及一銀行伺服器。該發送端電子裝置傳送一紅包金額給該紅包管理伺服器。該紅包管理伺服器將一授權請求傳送給該銀行伺服器。該銀行伺服器執行一對應於該授權請求的授權程序。該紅包管理伺服器產生一紅包序號。該接收端電子裝置傳送一待驗證序號給該紅包管理伺服器。該紅包管理伺服器判斷該待驗證序號與該紅包序號相符之後，傳送一發放請求給該銀行伺服器。該銀行伺服器將該紅包金額添加至一紅包接收者所持有的一接收者***的一刷卡金。An electronic red envelope system includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server. The sending-end electronic device sends a red envelope amount to the red envelope management server. The red envelope management server sends an authorization request to the bank server. The bank server executes an authorization procedure corresponding to the authorization request. The red envelope management server generates a red envelope serial number. The receiving-end electronic device sends a serial number to be verified to the red envelope management server. After the red envelope management server judges that the serial number to be verified matches the red envelope serial number, it sends a release request to the bank server. The bank server adds the amount of the red envelope to a credit card credit of a recipient's credit card held by a red envelope recipient.
Description
本新型是有關於一種金融系統，特別是指一種電子紅包系統。The present invention relates to a financial system, in particular to an electronic red envelope system.
隨著網路通訊的發展，網路銀行的服務也越來越多樣。其中一種網路銀行的服務是透過網路發送電子紅包。目前發送電子紅包的方式需要紅包發送者於發送前先將要發送的金額款項存入指定電子支付帳戶（例如Line Pay紅包），之後再進行扣款。如何提供一種新的電子紅包系統，使用新的電子紅包收發方法，是本新型進一步要探討的重點。With the development of internet communication, internet banking services are becoming more diverse. One type of online banking service is sending electronic red packets over the Internet. The current method of sending electronic red envelopes requires the sender of the red envelope to deposit the amount to be sent into the designated electronic payment account (such as the Line Pay red envelope) before sending, and then deduct the money. How to provide a new electronic red envelope system and use the new electronic red envelope sending and receiving method is the focus of this new type.
因此，本新型的目的，在於提供一種電子紅包系統。Therefore, the object of the present invention is to provide an electronic red envelope system.
於是，本新型電子紅包系統，包含一發送端電子裝置、一接收端電子裝置、一紅包管理伺服器及一銀行伺服器。該發送端電子裝置供一紅包發送者操作。該接收端電子裝置供一紅包接收者操作。該紅包管理伺服器電連接於該發送端電子裝置及該接收端電子裝置。該銀行伺服器電連接於該紅包管理伺服器，且儲存一對應於該紅包接收者且相關於該紅包接收者所持有的一接收者***的一刷卡金。Therefore, the new electronic red envelope system includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server. The sending-end electronic device is operated by a red envelope sender. The receiving-end electronic device is operated by a red envelope receiver. The red envelope management server is electrically connected to the sending-end electronic device and the receiving-end electronic device. The bank server is electrically connected to the red envelope management server and stores a credit card credit corresponding to the red envelope recipient and related to a recipient's credit card held by the red envelope recipient.
該發送端電子裝置使用一對應於該紅包發送者的發送者識別資料登入該紅包管理伺服器。The sending-end electronic device uses a sender identification data corresponding to the sender of the red envelope to log in to the red envelope management server.
該發送端電子裝置傳送一指示一紅包的金額的紅包金額給該紅包管理伺服器。The sending-end electronic device sends a red envelope amount indicating the amount of a red envelope to the red envelope management server.
該紅包管理伺服器產生一授權請求，並將該授權請求傳送給該銀行伺服器，該授權請求相關於該紅包發送者所持有的一發送者***且包含該紅包金額。The red envelope management server generates an authorization request and transmits the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount.
該銀行伺服器執行一對應於該授權請求的授權程序，並產生一授權結果，且將該授權結果傳送給該紅包管理伺服器。The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server.
該紅包管理伺服器產生一對應於該紅包的紅包序號，且將該紅包序號傳送給該發送端電子裝置。The red envelope management server generates a red envelope serial number corresponding to the red envelope, and transmits the red envelope serial number to the sending-end electronic device.
該接收端電子裝置使用一對應於該紅包接收者的接收者識別資料登入該紅包管理伺服器。The receiving-end electronic device uses a receiver identification data corresponding to the red envelope receiver to log in to the red envelope management server.
該接收端電子裝置傳送一待驗證序號給該紅包管理伺服器。The receiving-end electronic device sends a serial number to be verified to the red envelope management server.
該紅包管理伺服器判斷該待驗證序號與該紅包序號是否相符。The red envelope management server determines whether the serial number to be verified matches the red envelope serial number.
該紅包管理伺服器判斷該待驗證序號與該紅包序號相符之後，該紅包管理伺服傳送一發放請求給該銀行伺服器，該發放請求相關於該紅包接收者所持有的該接收者***且包含該紅包金額。After the red envelope management server judges that the serial number to be verified matches the red envelope serial number, the red envelope management server sends a release request to the bank server, the release request is related to the recipient's credit card held by the red envelope recipient and contains The amount of this red envelope.
當該銀行伺服器接收到該發放請求，該銀行伺服器將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金。When the bank server receives the issuance request, the bank server adds the amount of the red envelope to the credit card credit of the recipient's credit card held by the recipient of the red envelope.
在一些實施例樣中，該紅包管理伺服器使一領取密碼對應於該紅包。In some embodiments, the red envelope management server causes a redemption password to correspond to the red envelope.
該接收端電子裝置傳送一待驗證密碼給該紅包管理伺服器。The receiving-end electronic device sends a password to be verified to the red envelope management server.
該紅包管理伺服器判斷該待驗證密碼與該領取密碼是否相符。The red envelope management server determines whether the password to be verified matches the collection password.
該紅包管理伺服器判斷該待驗證序號與該紅包序號相符且該待驗證密碼與該領取密碼相符之後，該紅包管理伺服器傳送該發放請求給該銀行伺服器。After the red envelope management server determines that the to-be-verified serial number matches the red envelope serial number and the to-be-verified password matches the collection password, the red envelope management server sends the issuance request to the bank server.
本新型電子紅包系統，包含一發送端電子裝置、一接收端電子裝置、一紅包管理伺服器及一銀行伺服器。該發送端電子裝置供一紅包發送者操作。該接收端電子裝置供一紅包接收者操作。該紅包管理伺服器電連接於該發送端電子裝置及該接收端電子裝置。該銀行伺服器電連接於該紅包管理伺服器，且儲存一對應於該紅包接收者且相關於該紅包接收者所持有的一接收者***的一刷卡金。該發送端電子裝置使用一對應於該紅包發送者的發送者識別資料登入該紅包管理伺服器。該發送端電子裝置傳送一指示一紅包的金額的紅包金額給該紅包管理伺服器。該紅包管理伺服器產生一授權請求，並將該授權請求傳送給該銀行伺服器，該授權請求相關於該紅包發送者所持有的一發送者***且包含該紅包金額。該銀行伺服器執行一對應於該授權請求的授權程序，並產生一授權結果，且將該授權結果傳送給該紅包管理伺服器。The new electronic red envelope system includes a sending end electronic device, a receiving end electronic device, a red envelope management server and a bank server. The sending-end electronic device is operated by a red envelope sender. The receiving-end electronic device is operated by a red envelope receiver. The red envelope management server is electrically connected to the sending-end electronic device and the receiving-end electronic device. The bank server is electrically connected to the red envelope management server and stores a credit card credit corresponding to the red envelope recipient and related to a recipient's credit card held by the red envelope recipient. The sending-end electronic device uses a sender identification data corresponding to the sender of the red envelope to log in to the red envelope management server. The sending-end electronic device sends a red envelope amount indicating the amount of a red envelope to the red envelope management server. The red envelope management server generates an authorization request and transmits the authorization request to the bank server. The authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount. The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server.
該紅包管理伺服器產生一對應於該紅包的兌換網址，且將該兌換網址傳送給該發送端電子裝置。The red envelope management server generates a redemption URL corresponding to the red envelope, and transmits the redemption URL to the sending-end electronic device.
該接收端電子裝置使用該兌換網址，及一對應於該紅包接收者的接收者識別資料，登入該紅包管理伺服器。The receiving-end electronic device uses the redemption website address and a receiver identification data corresponding to the red envelope receiver to log in to the red envelope management server.
該紅包管理伺服傳送一發放請求給該銀行伺服器，該發放請求相關於該紅包接收者所持有的該接收者***且包含該紅包金額。當該銀行伺服器接收到該發放請求，該銀行伺服器將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金。The red envelope management server sends a issuing request to the bank server, the issuing request is related to the recipient's credit card held by the recipient of the red envelope and contains the amount of the red envelope. When the bank server receives the issuance request, the bank server adds the amount of the red envelope to the credit card credit of the recipient's credit card held by the recipient of the red envelope.
本新型的功效在於：藉由該紅包管理伺服器傳送相關於該紅包發送者所持有的該發送者***且包含該紅包金額的該授權請求給該銀行伺服器，且藉由該紅包管理伺服器產生並傳送該紅包序號或該兌換網址給該發送端電子裝置，且藉由該銀行伺服器將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金，從而提供一種新穎的電子紅包收發模式，且該紅包發送者不需如先前技術預先將要發送的金額款項存入指定電子支付帳戶，因而提升了建立、發送紅包的便利性。The effect of the new model is that the authorization request related to the sender's credit card held by the sender of the red envelope and containing the amount of the red envelope is transmitted to the bank server through the red envelope management server, and the red envelope management server The server generates and transmits the serial number of the red envelope or the redemption website address to the sending-end electronic device, and adds the amount of the red envelope to the credit card gold related to the recipient ’s credit card held by the recipient of the red envelope by the bank server, Therefore, a novel electronic red envelope sending and receiving mode is provided, and the sender of the red envelope does not need to deposit the amount to be sent into a designated electronic payment account in advance as in the prior art, thereby improving the convenience of establishing and sending a red envelope.
在本新型被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。Before the new model is described in detail, it should be noted that in the following description, similar elements are represented by the same number.
參閱圖1，本新型電子紅包系統100的一第一實施例，包含一發送端電子裝置1、一接收端電子裝置2、一紅包管理伺服器3及一銀行伺服器4。Referring to FIG. 1, a first embodiment of the new electronic red envelope system 100 includes a sending end electronic device 1, a receiving end electronic device 2, a red envelope management server 3, and a bank server 4.
該發送端電子裝置1供一紅包發送者操作，該接收端電子裝置2供一紅包接收者操作。該發送端電子裝置1及該接收端電子裝置2例如是具有連線網路功能的一智慧型手機、一平板電腦、一膝上型電腦或一桌上型電腦。The sending-end electronic device 1 is provided for operation by a red envelope sender, and the receiving-end electronic device 2 is provided for operation by a red envelope receiver. The sending-end electronic device 1 and the receiving-end electronic device 2 are, for example, a smart phone, a tablet computer, a laptop computer, or a desktop computer with a network connection function.
該紅包管理伺服器3（例如經由通訊網路）電連接於該發送端電子裝置1及該接收端電子裝置2。The red envelope management server 3 is electrically connected to the sending-end electronic device 1 and the receiving-end electronic device 2 (for example, via a communication network).
該銀行伺服器4（例如經由通訊網路）電連接於該紅包管理伺服器3，且儲存一對應於該紅包接收者且相關於該紅包接收者所持有的一接收者***的一刷卡金。該刷卡金可供該紅包接收者在指定的有效期限、可用範圍、額度和其他特別規則的範圍內，用來直接抵扣以該接收者***付款的交易本金。The bank server 4 is electrically connected to the red envelope management server 3 (for example, via a communication network), and stores a credit card credit corresponding to the red envelope recipient and related to a recipient's credit card held by the red envelope recipient. The credit card can be used by the recipient of the red envelope to directly deduct the transaction principal paid by the recipient's credit card within the specified validity period, available range, quota and other special rules.
參閱圖1及圖2，以下說明該電子紅包系統100執行一紅包建立程序的步驟。首先，如步驟S01所示，該發送端電子裝置1使用一對應於該紅包發送者的發送者識別資料登入該紅包管理伺服器3。登入步驟所相關的身分驗證方法可以是由該紅包管理伺服器3執行，也可是交由該銀行伺服器4執行再把驗證結果回傳給該紅包管理伺服器3。Referring to FIG. 1 and FIG. 2, the steps of the electronic red envelope system 100 executing a red envelope establishment procedure are described below. First, as shown in step S01, the sending-end electronic device 1 logs in to the red envelope management server 3 using a sender identification data corresponding to the red envelope sender. The identity verification method related to the login step may be performed by the red envelope management server 3, or it may be executed by the bank server 4 and the verification result is returned to the red envelope management server 3.
接著，如步驟S02所示，該發送端電子裝置1傳送一指示一紅包的金額的紅包金額給該紅包管理伺服器3。Next, as shown in step S02, the sending-end electronic device 1 transmits a red envelope amount indicating the amount of a red envelope to the red envelope management server 3.
接著，如步驟S03所示，該紅包管理伺服器3產生一授權請求，並將該授權請求傳送給該銀行伺服器4，該授權請求相關於該紅包發送者所持有的一發送者***且包含該紅包金額。在本實施例中，該授權請求還包含授權以該發送者***進行交易所需的相關資料，例如該發送者***之卡號、到期日、卡片背面的後三碼等，其中，卡號及到期日可以是在該發送端電子裝置1使用對應於該紅包發送者的該發送者識別資料登入該紅包管理伺服器3之後，由該銀行伺服器4根據該發送者識別資料提供給該紅包管理伺服器3。Next, as shown in step S03, the red envelope management server 3 generates an authorization request and transmits the authorization request to the bank server 4, the authorization request is related to a sender credit card held by the red envelope sender and Contains the amount of this red envelope. In this embodiment, the authorization request also contains relevant information required to authorize the transaction with the sender's credit card, such as the card number, expiration date, and the last three digits on the back of the card, etc., where the card number and the The date may be after the sending-end electronic device 1 logs in to the red envelope management server 3 using the sender identification information corresponding to the red envelope sender, and the bank server 4 provides the red envelope management according to the sender identification information. Server 3.
接著，如步驟S04所示，該銀行伺服器4執行一對應於該授權請求的授權程序，並產生一授權結果，且將該授權結果傳送給該紅包管理伺服器3。Then, as shown in step S04, the bank server 4 executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server 3.
接著，如步驟S05所示，該紅包管理伺服器3使一領取密碼對應於該紅包。該領取密碼可以是由該紅包發送者設定，也可以是由該紅包管理伺服器3自動產生並通知該紅包發送者。Next, as shown in step S05, the red envelope management server 3 causes a redemption password to correspond to the red envelope. The redemption password may be set by the red envelope sender, or may be automatically generated by the red envelope management server 3 and notified to the red envelope sender.
最後，如步驟S06所示，該紅包管理伺服器3產生一對應於該紅包的紅包序號，且將該紅包序號傳送給該發送端電子裝置1，供該紅包發送者將該紅包序號提供給其欲發給紅包的對象。Finally, as shown in step S06, the red envelope management server 3 generates a red envelope serial number corresponding to the red envelope, and transmits the red envelope serial number to the sending-end electronic device 1 for the red envelope sender to provide the red envelope serial number to it. The object to be issued to the red envelope.
補充說明的是，在其他實施態樣中，該發送端電子裝置1是一次傳送多個分別指示多個紅包的金額的紅包金額給該紅包管理伺服器3，該紅包管理伺服器3是產生多個分別對應該等紅包的授權請求，並將該等授權請求傳送給該銀行伺服器4，該銀行伺服器4是執行多個分別對應於該等授權請求的授權程序，並產生多個授權結果，且將該等授權結果傳送給該紅包管理伺服器3，該紅包管理伺服器3是使該領取密碼對應於該等紅包，該紅包管理伺服器3是產生多個分別對應於該等紅包的紅包序號，且將該等紅包序號傳送給該發送端電子裝置1。It is added that in other embodiments, the sending-end electronic device 1 transmits a plurality of red envelope amounts indicating the amounts of multiple red envelopes to the red envelope management server 3 at one time. The red envelope management server 3 generates multiple red envelopes. Authorization requests corresponding to the red envelopes, and the authorization requests are transmitted to the bank server 4, which executes multiple authorization procedures corresponding to the authorization requests and generates multiple authorization results And send the authorization results to the red envelope management server 3, which makes the receiving password correspond to the red envelopes, and the red envelope management server 3 generates a plurality of corresponding red envelopes. The red envelope serial numbers are transmitted to the sending-end electronic device 1.
參閱圖1及圖3，以下說明該電子紅包系統100執行一紅包兌換程序的步驟。首先，如步驟S11所示，該接收端電子裝置2使用一對應於該紅包接收者的接收者識別資料登入該紅包管理伺服器3。Referring to FIG. 1 and FIG. 3, the steps of the electronic red envelope system 100 executing a red envelope exchange program are described below. First, as shown in step S11, the receiving-end electronic device 2 logs in the red envelope management server 3 using a receiver identification data corresponding to the red envelope recipient.
接著，如步驟S12所示，該接收端電子裝置2傳送一待驗證序號及一待驗證密碼給該紅包管理伺服器3。Then, as shown in step S12, the receiving-end electronic device 2 sends a serial number to be verified and a password to be verified to the red envelope management server 3.
接著，如步驟S13所示，該紅包管理伺服器3判斷該待驗證序號與該紅包序號是否相符且該待驗證密碼與該領取密碼是否相符，若是則執行步驟S14，若否，則流程結束。Next, as shown in step S13, the red envelope management server 3 determines whether the serial number to be verified matches the serial number of the red envelope and whether the password to be verified is consistent with the collection password. If yes, step S14 is performed; if not, the process ends.
步驟S14是該紅包管理伺服器3判斷該待驗證序號與該紅包序號相符且該待驗證密碼與該領取密碼相符之後，該紅包管理伺服傳送一發放請求給該銀行伺服器4，該發放請求相關於該紅包接收者所持有的該接收者***且包含該紅包金額。Step S14 is that after the red envelope management server 3 judges that the serial number to be verified matches the red envelope serial number and the password to be verified matches the collection password, the red envelope management server sends a release request to the bank server 4, and the release request is related The recipient's credit card held by the recipient of the red envelope includes the amount of the red envelope.
最後，如步驟S15所示，當該銀行伺服器4接收到該發放請求，該銀行伺服器4將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金。Finally, as shown in step S15, when the bank server 4 receives the issuance request, the bank server 4 adds the amount of the red envelope to the credit card credit of the recipient's credit card held by the recipient of the red envelope.
參閱圖4及圖5，本新型電子紅包系統100的一第二實施例與該第一實施例相近，其差異說明如下。在該第二實施例中，未使用該第一實施例中的該紅包序號的相關技術，取而代之的是以特定連結網址來發放。Referring to FIGS. 4 and 5, a second embodiment of the new electronic red envelope system 100 is similar to the first embodiment, and the differences are described below. In the second embodiment, the related technology of the red envelope serial number in the first embodiment is not used, and is instead issued using a specific link URL.
如步驟S26所示，在該第二實施例中，該紅包管理伺服器3於接收到來自該銀行伺服器4的該授權結果之後，是產生一對應於該紅包的兌換網址，且將該兌換網址傳送給該發送端電子裝置1，供該紅包發送者將該兌換網址提供給其欲發給紅包的對象。As shown in step S26, in the second embodiment, after receiving the authorization result from the bank server 4, the red envelope management server 3 generates a redemption URL corresponding to the red envelope, and converts the red envelope The website address is transmitted to the sending-end electronic device 1 for the red envelope sender to provide the redemption website address to the object he wants to send to the red envelope.
如步驟S31所示，該接收端電子裝置2是使用該兌換網址，及對應於該紅包接收者的該接收者識別資料，登入該紅包管理伺服器3。補充說明的是，該兌換網址可以是包含一於步驟S24中的該授權結果所包含的一授權序號，以供該紅包管理伺服器3辨認該紅包接收者所要領取紅包是來自哪一個授權結果。As shown in step S31, the receiving-end electronic device 2 logs in to the red envelope management server 3 using the redemption website address and the recipient identification data corresponding to the red envelope recipient. It is added that the redemption website address may include an authorization serial number included in the authorization result in step S24 for the red envelope management server 3 to identify from which authorization result the red envelope receiver wants to receive the red envelope.
綜上所述，本新型電子紅包系統100藉由該紅包管理伺服器3傳送相關於該紅包發送者所持有的該發送者***且包含該紅包金額的該授權請求給該銀行伺服器4，且藉由該紅包管理伺服器3產生並傳送該紅包序號或該兌換網址給該發送端電子裝置1，且藉由該銀行伺服器4將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金，從而提供一種新穎的電子紅包收發模式，且該紅包發送者不需如先前技術預先將要發送的金額款項存入指定電子支付帳戶，因而提升了建立、發送紅包的便利性，故確實能達成本新型的目的。In summary, the new electronic red envelope system 100 transmits the authorization request related to the sender's credit card held by the red envelope sender and containing the amount of the red envelope to the bank server 4 through the red envelope management server 3, And the red envelope management server 3 generates and transmits the red envelope serial number or the redemption website address to the sending-end electronic device 1, and the bank server 4 adds the red envelope amount to the red envelope related holder. The credit card of the recipient ’s credit card provides a novel electronic red envelope sending and receiving mode, and the sender of the red envelope does not need to deposit the amount to be sent into the designated electronic payment account in advance as in the prior art, thereby improving the establishment and sending of red envelope Convenience, it can indeed achieve the purpose of a new type of cost.
惟以上所述者，僅為本新型的實施例而已，當不能以此限定本新型實施的範圍，凡是依本新型申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本新型專利涵蓋的範圍內。However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application for the new model and the contents of the patent specification are still Within the scope of this new patent.
100‧‧‧電子紅包系統
1‧‧‧發送端電子裝置
2‧‧‧接收端電子裝置
3‧‧‧紅包管理伺服器
4‧‧‧銀行伺服器
S01~S06‧‧‧步驟
S11~S15‧‧‧步驟
S21~S26‧‧‧步驟
S31~S35‧‧‧步驟100‧‧‧ electronic red envelope system
1‧‧‧ sender electronic device
2‧‧‧Receiving end electronic device
3‧‧‧ Red envelope management server
4‧‧‧Bank Server
S01 ~ S06‧‧‧step
S11 ~ S15‧‧‧step
Steps S21 ~ S26‧‧‧‧
S31 ~ S35‧‧‧‧step
本新型的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：
圖1是本新型電子紅包系統的一第一實施例的一硬體連接關係示意圖；及
圖2是該第一實施例的一流程圖，說明一紅包建立程序；
圖3是該第一實施例的另一流程圖，說明一紅包兌換程序；
圖4是本新型電子紅包系統的一第二實施例的一流程圖，說明該紅包建立程序；及
圖5是該第二實施例的另一流程圖，說明該紅包兌換程序。
Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the novel electronic red envelope system; and FIG. 2 is a flowchart of the first embodiment, illustrating a red envelope establishment procedure;
FIG. 3 is another flowchart of the first embodiment, illustrating a red envelope exchange process;
FIG. 4 is a flowchart of a second embodiment of the new electronic red envelope system, illustrating the red envelope establishment procedure; and FIG. 5 is another flowchart of the second embodiment, explaining the red envelope exchange procedure.
Claims (4)
一發送端電子裝置，供一紅包發送者操作；
一接收端電子裝置，供一紅包接收者操作；
一紅包管理伺服器，電連接於該發送端電子裝置及該接收端電子裝置；及
一銀行伺服器，電連接於該紅包管理伺服器，且儲存一對應於該紅包接收者且相關於該紅包接收者所持有的一接收者***的一刷卡金；
該發送端電子裝置使用一對應於該紅包發送者的發送者識別資料登入該紅包管理伺服器；
該發送端電子裝置傳送一指示一紅包的金額的紅包金額給該紅包管理伺服器；
該紅包管理伺服器產生一授權請求，並將該授權請求傳送給該銀行伺服器，該授權請求相關於該紅包發送者所持有的一發送者***且包含該紅包金額；
該銀行伺服器執行一對應於該授權請求的授權程序，並產生一授權結果，且將該授權結果傳送給該紅包管理伺服器；
該紅包管理伺服器產生一對應於該紅包的紅包序號，且將該紅包序號傳送給該發送端電子裝置；
該接收端電子裝置使用一對應於該紅包接收者的接收者識別資料登入該紅包管理伺服器；
該接收端電子裝置傳送一待驗證序號給該紅包管理伺服器；
該紅包管理伺服器判斷該待驗證序號與該紅包序號是否相符；
該紅包管理伺服器判斷該待驗證序號與該紅包序號相符之後，該紅包管理伺服傳送一發放請求給該銀行伺服器，該發放請求相關於該紅包接收者所持有的該接收者***且包含該紅包金額；
當該銀行伺服器接收到該發放請求，該銀行伺服器將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金。 An electronic red envelope system including:
A sending-end electronic device for a red envelope sender to operate;
A receiving-end electronic device for a red envelope receiver to operate;
A red envelope management server electrically connected to the sending-end electronic device and the receiving-end electronic device; and a bank server electrically connected to the red envelope management server and storing a corresponding one of the red envelope recipient and related to the red envelope A swiping credit of a recipient's credit card held by the recipient;
The sending-end electronic device uses a sender identification information corresponding to the sender of the red envelope to log in to the red envelope management server;
The sending-end electronic device sends a red envelope amount indicating a red envelope amount to the red envelope management server;
The red envelope management server generates an authorization request and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount;
The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server;
The red envelope management server generates a red envelope serial number corresponding to the red envelope, and transmits the red envelope serial number to the sending-end electronic device;
The receiving-end electronic device uses a receiver identification data corresponding to the red envelope receiver to log in to the red envelope management server;
The receiving-end electronic device sends a serial number to be verified to the red envelope management server;
The red envelope management server judges whether the serial number to be verified matches the red envelope serial number;
After the red envelope management server judges that the serial number to be verified matches the red envelope serial number, the red envelope management server sends a release request to the bank server, the release request is related to the recipient's credit card held by the red envelope recipient and contains The amount of the red envelope;
When the bank server receives the issuance request, the bank server adds the amount of the red envelope to the credit card credit of the recipient's credit card held by the recipient of the red envelope.
該接收端電子裝置傳送一待驗證密碼給該紅包管理伺服器；
該紅包管理伺服器判斷該待驗證密碼與該領取密碼是否相符；
該紅包管理伺服器判斷該待驗證序號與該紅包序號相符且該待驗證密碼與該領取密碼相符之後，該紅包管理伺服器傳送該發放請求給該銀行伺服器。 The electronic red envelope system according to claim 1, wherein the red envelope management server makes a redemption password correspond to the red envelope;
The receiving-end electronic device sends a password to be verified to the red envelope management server;
The red envelope management server determines whether the password to be verified matches the password for receipt;
After the red envelope management server determines that the to-be-verified serial number matches the red envelope serial number and the to-be-verified password matches the collection password, the red envelope management server sends the issuing request to the bank server.
一發送端電子裝置，供一紅包發送者操作；
一接收端電子裝置，供一紅包接收者操作；
一紅包管理伺服器，電連接於該發送端電子裝置及該接收端電子裝置；及
一銀行伺服器，電連接於該紅包管理伺服器，且儲存一對應於該紅包接收者且相關於該紅包接收者所持有的一接收者***的一刷卡金；
該發送端電子裝置使用一對應於該紅包發送者的發送者識別資料登入該紅包管理伺服器；
該發送端電子裝置傳送一指示一紅包的金額的紅包金額給該紅包管理伺服器；
該紅包管理伺服器產生一授權請求，並將該授權請求傳送給該銀行伺服器，該授權請求相關於該紅包發送者所持有的一發送者***且包含該紅包金額；
該銀行伺服器執行一對應於該授權請求的授權程序，並產生一授權結果，且將該授權結果傳送給該紅包管理伺服器；
該紅包管理伺服器產生一對應於該紅包的兌換網址，且將該兌換網址傳送給該發送端電子裝置；
該接收端電子裝置使用該兌換網址，及一對應於該紅包接收者的接收者識別資料，登入該紅包管理伺服器；
該紅包管理伺服傳送一發放請求給該銀行伺服器，該發放請求相關於該紅包接收者所持有的該接收者***且包含該紅包金額；
當該銀行伺服器接收到該發放請求，該銀行伺服器將該紅包金額添加至相關於該紅包接收者所持有的該接收者***的該刷卡金。 An electronic red envelope system including:
A sending-end electronic device for a red envelope sender to operate;
A receiving-end electronic device for a red envelope receiver to operate;
A red envelope management server electrically connected to the sending-end electronic device and the receiving-end electronic device; and a bank server electrically connected to the red envelope management server and storing a red envelope corresponding to the red envelope recipient and related to the red envelope A swiping credit of a recipient's credit card held by the recipient;
The sending-end electronic device uses a sender identification information corresponding to the sender of the red envelope to log in to the red envelope management server;
The sending-end electronic device sends a red envelope amount indicating a red envelope amount to the red envelope management server;
The red envelope management server generates an authorization request and transmits the authorization request to the bank server, the authorization request is related to a sender credit card held by the red envelope sender and contains the red envelope amount;
The bank server executes an authorization procedure corresponding to the authorization request, generates an authorization result, and transmits the authorization result to the red envelope management server;
The red envelope management server generates a redemption URL corresponding to the red envelope, and transmits the redemption URL to the sending-end electronic device;
The receiving-end electronic device logs in to the red envelope management server using the redemption website address and a receiver identification data corresponding to the red envelope recipient;
The red envelope management server sends an issuance request to the bank server, the issuance request is related to the recipient's credit card held by the recipient of the red envelope and contains the amount of the red envelope;
When the bank server receives the issuance request, the bank server adds the amount of the red envelope to the credit card credit of the recipient's credit card held by the recipient of the red envelope.
該接收端電子裝置傳送一待驗證密碼給該紅包管理伺服器；
該紅包管理伺服器判斷該待驗證密碼與該領取密碼是否相符；
該紅包管理伺服器判斷該待驗證密碼與該領取密碼相符之後，該紅包管理伺服器傳送該發放請求給該銀行伺服器。 The electronic red envelope system according to claim 3, wherein the red envelope management server causes a redemption password to correspond to the red envelope;
The receiving-end electronic device sends a password to be verified to the red envelope management server;
The red envelope management server determines whether the password to be verified matches the password for receipt;
After the red envelope management server determines that the password to be verified matches the collection password, the red envelope management server sends the issuing request to the bank server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108210653U TWM588303U (en) | 2019-08-13 | 2019-08-13 | Electronic red envelope system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108210653U TWM588303U (en) | 2019-08-13 | 2019-08-13 | Electronic red envelope system |
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| Publication Number | Publication Date |
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| TWM588303U true TWM588303U (en) | 2019-12-21 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI770642B (en) * | 2020-10-20 | 2022-07-11 | 台北富邦商業銀行股份有限公司 | Inter-bank fund transfer method and system |
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2019
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI770642B (en) * | 2020-10-20 | 2022-07-11 | 台北富邦商業銀行股份有限公司 | Inter-bank fund transfer method and system |
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