TWI782588B - Shopping discount processing system and the method for the payment instrument - Google Patents

Abstract

A shopping discount process system and the method for the payment instrument is provided. The process system performs the steps. Performing a front program of a mobile end, the mobile end comprise a plurality of a member information and a plurality of a pay tool; obtaining a location information of the mobile end; selecting the member information according to the location information; creating a check request according to the member information and a shopping list; reading the check request by a POS; transmitting the check request to a customer system by the POS; creating a member coupon information according to the check request by the customer system; sending the member coupon information to the POS; creating a check result according to the member coupon information and the shopping list.

Description

Shopping discount processing system and method for digital payment tool

A digital payment shopping processing system and method, in particular to a digital payment tool shopping discount processing system and method.

In addition to interacting with other people through the front-end program, the front-end program has also begun to support various electronic payment tools. In order to expand the market share of electronic payment tools, electronic payment tool manufacturers will also provide corresponding preferential discounts when shopping, so that consumers can purchase goods through electronic payment tools. In order to cater to the usage habits of consumers, the sales channel not only has its own membership program and electronic payment, but also provides front-end programs and corresponding electronic payment tools for payment. Consumers can choose to pay with the payment tool provided by the membership program, the payment tool provided by the front-end program, or the linked payment between the membership program and the front-end program.

The linked payment needs to select the corresponding front-end program and electronic payment tool from the membership program. Therefore, consumers need to go through complicated operations, which also lengthens the checkout process. For the backend, the membership program and the front-end program need to interact with each other. Therefore, it is necessary to repeatedly send messages from the consumer's mobile device to the corresponding server in order to obtain authentication, which affects the overall checkout process.

In view of this, the shopping discount processing system of the digital payment tool includes a mobile terminal, a membership system terminal and a sales terminal. The mobile terminal has a first storage unit, a positioning unit, and a first processor. The first processor is coupled to the first storage unit and the positioning unit. The first storage unit stores a front-end program. The front-end program has multiple sets of corporate member information. The first The processor executes the front-end program. The front-end program selects the corresponding corporate member information according to the location identification information. The front-end program generates a checkout request according to the corporate member information and the shopping list; the sales terminal has an input unit, a second storage unit, a second communication unit and a second communication unit. Two processors, the second processor is coupled to the input unit, the second storage unit and the second communication unit, the input unit reads the checkout request, the second storage unit stores the checkout program, and the second processor executes the checkout program, The checkout program transmits the checkout request and member discount information according to the corporate membership information, and the checkout program generates a checkout result according to the checkout request and member discount information; the membership system end is connected to the sales terminal, and the member system end has a third communication unit , a third storage unit and a third processor, the third processor is coupled to the third communication unit and the third storage unit, the third storage unit stores discount processing programs and multiple pieces of internal member information, and each internal member information has at least A piece of commodity discount information, credit discount information, and at least one payment tool, each payment tool has at least one piece of tool discount information, the third processor executes a discount processing program, and the discount processing program searches for corresponding internal member information based on corporate member information , the discount processing program generates member discount information according to the internal member information, the product discount information and the tool discount information, and the third communication unit sends the member discount information to the sales terminal. This embodiment can quickly identify the enterprise and store where the consumer is located through the location location information, so that the mobile terminal can automatically select the corresponding membership program, shortening the operation procedure of the consumer when checking out.

In some embodiments, the checkout request is a 1D barcode or a 2D barcode.

In some embodiments, the commodity discount information includes commodity exchange coupons, cup delivery coupons or commodity discount coupons.

In some embodiments, the coupon offer information includes gift certificates, bonus points or discounts.

In some embodiments, the payment tool is an electronic wallet, a mobile payment program, an electronic ticket or credit card information.

In some embodiments, the discount processing program selects corresponding product discount information, coupon discount information, and payment tool discount information according to the internal member information.

In some embodiments, the discount processing program compares the product information in the shopping list with the product discount information, and selects the product discount information that matches the product information.

In some embodiments, the mobile terminal includes invoice home information, and the sales terminal generates invoice information corresponding to the checkout result according to the invoice home information.

In some embodiments, the membership system sends the member discount information to the mobile terminal, and the mobile terminal modifies the internal member information, the product discount information, the tool discount information or the combination in the member discount information according to the adjustment requirements, and the mobile terminal sends the modified The member discount information sent to the sales terminal.

In some embodiments, the shopping discount processing method of the digital payment tool includes executing the front-end program of the mobile terminal; obtaining the location identification information of the mobile terminal, and the front-end program selects corporate member information according to the location identification information; the front-end program generates a result according to the corporate member information and the shopping list. account request; the sales terminal reads the checkout request, and forwards the checkout request to the member system; the member system searches for the corresponding internal member information according to the enterprise member information, and each internal member information has at least one piece of product discount information, redemption Gold discount information and at least one payment tool, each payment tool has at least one tool discount information; the membership system generates member discount information based on internal member information, cash discount information, the product discount information, and the tool discount information; The membership system sends member discount information to the sales terminal; the sales terminal generates a checkout result according to the member discount information and checkout requirements.

In some embodiments, the step of generating member discount information on the member system side according to the internal member information, the product discount information and the tool discount information includes: the member system side selects the corresponding product discount information according to the internal member information, redeems Gold discount information and payment tool discount information.

In some embodiments, the step of generating member discount information on the member system side according to the internal member information, the product discount information and the tool discount information includes: comparing the product information and product discount information on the member system side according to the shopping list , and select the product promotion information that matches the product information.

In some embodiments, the step of sending the member discount information to the sales terminal at the member system end includes sending the member discount information to the sales terminal at the member system end; the mobile terminal modifies the internal member information in the member discount information, some commodities according to the adjustment requirements Offers, tool offers, or combinations.

In some embodiments, the step of generating a checkout result at the sales terminal according to the member discount information and the checkout request includes generating invoice information corresponding to the checkout result at the sales terminal according to the invoice home information at the mobile terminal.

The shopping discount processing system and method of the digital payment tool can realize the dual authentication of the mobile payment tool and the shopping member by the mobile terminal in the form of a single message, and reduce the number of operation steps of the mobile payment. Moreover, the location information can quickly identify the enterprise and store where the consumer is located, so that the mobile terminal can automatically select the corresponding membership program, shortening the operation procedure of the consumer when checking out.

Please refer to FIG. 1 and FIG. 2 , which are respectively a schematic diagram of an application scenario and a schematic diagram of a system architecture of an embodiment. The digital payment tool shopping discount processing system 100 includes a mobile terminal 110 , a sales terminal 120 and a membership system terminal 130 . The membership system terminal 130 is connected to the mobile terminal 110 and the sales terminal 120 through the network.

The mobile terminal 110 has a first storage unit 111 , a positioning unit 112 and a first processor 113 . The mobile terminal 110 may be, but not limited to, a mobile phone, a tablet, or a computer device with communication capabilities. The first processor 113 is coupled to the first storage unit 111 and the positioning unit 112 . The positioning unit 112 acquires location identification information 151 . The location identification information 151 represents the geographic location information of the mobile terminal 110 . The location identification information 151 can not only be obtained through the Global Positioning System (GPS), but also can be realized by broadcasting the wireless communication protocol, for example: in the store 140 through ZigBee, wireless network ( Wi-Fi) or Bluetooth (Bluetooth) broadcast the specified positioning information, as shown in the dotted box of the store and its affiliation in FIG. 1 .

The first storage unit 111 stores a front-end program 114 and at least one payment tool program 115 . The front-end program 114 has multiple groups of corporate member information 116 . The front-end program 114 can be a membership program, a payment tool program 115 (described later) or social software. The membership program is a member-only system launched by the company, which is used to provide members with discount notifications or bonus points and other activities, or a member integration system, which is used to provide an integrated platform for members of different companies. Social software can be but not limited to Line, WhatsApp or Facebook messenger, etc.

The corporate member information 116 refers to the corporate members joined by the mobile terminal 110 (that is, the consumer). Each type of corporate membership information 116 corresponds to its own membership system terminal 130 . The first processor 113 executes the front-end program 114 . The front-end program 114 is used for payment processing when the mobile terminal 110 is shopping. When the first processor 113 executes the front-end program 114 , the front-end program 114 obtains the location identification information 151 through the positioning unit 112 .

The front-end program 114 identifies whether the mobile terminal 110 is located within the range of the retail store 140 according to the location identification information 151 . If the mobile terminal 110 is within the range of the retail store 140 , the front-end program 114 identifies the company and store name of the retail store 140 according to the location identification information 151 and geographic map information. The front-end program 114 selects the corresponding corporate membership information 116 according to the retail store 140 where the mobile terminal 110 is located.

The front-end program 114 generates a checkout request 152 according to the company member information 116 and the shopping list (not shown). In some embodiments, the checkout requirement 152 may be a one-dimensional barcode (barcode) or a two-dimensional barcode (QR code). In some embodiments, the front-end program 114 can generate the checkout request 152 according to information such as current time stamp or company member information 116 . In other words, each time the mobile terminal 110 checks out, the current checkout request 152 can be generated.

The payment tool program 115 may include multiple established or set payment methods such as stored value, credit card, bank account, and debit card. In other implementations, the payment tool may also include electronic payment (Electronic Payment), mobile payment (Mobile payment) or third-party payment (Third-Party Payment). Mobile payment is a method in which the mobile terminal 110 is bound with a credit card as a payment carrier, such as: Open Wallet, Apple Pay, Android Pay, etc. Electronic payment or third-party payment is a payment method that has an independent electronic payment account, which can be used for transactions or transfers, or can be paid or stored by binding bank accounts, credit cards, etc., such as: Icash Pay, LINE Pay, street Mouth payment, Open Wallet or EasyPay, etc.

In addition, in order to cope with fast checkout, the payment tools that were originally attached to the application (APP) can be separated from the application through shortcuts (shortcut). The independent payment tool can be regarded as the front-end program 114 . For example: in addition to the payment tool of Line pay that can be set in the social software Line, Line pay can also be an independent payment tool program 115 . Therefore, the Line pay application can be regarded as the front-end program 114 .

The sales terminal 120 includes a second storage unit 121 , an input unit 122 , a second communication unit 123 , a display unit 124 and a second processor 125 . The sales terminal 120 may be a cash register (Point of Sale, POS for short) or a graphic order terminal (Graphic Order Terminal, GOT). The second processor 125 is coupled to the second storage unit 121 , the input unit 122 , the second communication unit 123 and the display unit 124 . The second storage unit 121 stores a checkout program 126 . The second processor 125 executes the billing program 126 .

The input unit 122 is used for reading the checkout request 152 or the shopping list of the mobile terminal 110 . The second communication unit 123 is connected to the member system terminal 130 via network. The second communication unit 123 is used to transmit the billing request 152 to the member system terminal 130 . The display unit 124 is used for displaying the company member information 116 , the content of the shopping list or the price of the corresponding shopping list, and the like. The checkout program 126 calculates the corresponding checkout result (no label) according to the shopping list and member discount information 153 . The shopping list is the commodities selected by the consumers.

The member system terminal 130 has a third communication unit 131 , a third storage unit 132 and a third processor 133 . The third processor 133 is coupled to the third communication unit 131 and the third storage unit 132 . The third communication unit 131 transmits a billing request 152 and member discount information 153 . The third storage unit 132 stores a discount processing program 134 and a plurality of pieces of internal membership information 135 . The third processor 133 executes the discount processing program 134 . Each internal member information 135 has commodity preferential information (no label), voucher discount information (no label) and payment tool (no label). The product discount information is the discount information of the corresponding product. Product discount information may be, but not limited to, product exchange coupons, cup delivery coupons, or product discount coupons. The types of credit promotion information include gift certificates, bonus points or discounts.

In the member system 130, each internal member information 135 has at least one payment tool. The payment instrument corresponds to the payment instrument program 115 in the mobile terminal 110 . Generally speaking, the number of payment tool programs 115 in the mobile terminal 110 should be greater than or equal to the number of payment tools in the corresponding internal member information 135 . Each payment instrument does not necessarily have instrument preferential information, and one payment instrument may have multiple sets of instrument preferential information. Tool discount information refers to the discount scheme provided for payment tools. The selection method of tool discount information is mainly based on whether there is a discount, and another selection condition is the discount interval or the expiration date of the event. Or, the member system terminal 130 selects the corresponding payment tool and the corresponding tool discount information according to the usage frequency of the consumer.

Taking a credit card as an example, the plan provided by the credit card to get a discount of 10 yuan for purchases over 100 yuan is the tool discount information of the payment tool. The third processor 133 retrieves tool discount information from a corresponding database according to the payment tool. Product discount information, coupon discount information and tool discount information can be set by consumers themselves, and can also be provided by the membership system terminal 130 . For example: the member system terminal 130 pushes relevant commodity discount information or coupon discount information to the internal member information 135 according to promotional activities.

The member system terminal 130 is connected to the sales terminal 120 through the network. The member system terminal 130 receives a checkout request 152 or sends member discount information 153 . The membership system terminal 130 is the membership server of the enterprise. The member system terminal 130 judges whether the mobile terminal 110 is a qualified member according to the checkout request 152 and the company member information 116 . For example, the status of the corporate member information 116 may be expired, or failed to pass the verification review. If the corporate member information 116 is an unqualified member, the membership system 130 sends a notification message of an unqualified member to the sales terminal 120 according to the corporate member information 116 , which is referred to as a member confirmation message hereinafter.

To further illustrate the operation of the shopping discount processing method of the digital payment tool, please refer to FIG. 3 and FIG. 4 , which are respectively a schematic diagram of the shopping discount operation flow diagram of an embodiment and a sequence diagram of the shopping discount processing method of the digital payment tool. Step S310: Execute the front-end program of the mobile terminal; Step S320: Obtain the location identification information of the mobile terminal, and the front-end program selects corporate member information according to the location identification information; Step S330: the front-end program generates a checkout request according to the corporate member information and the shopping list; Step S340: the sales terminal reads the checkout request, and forwards the checkout request to the member system; Step S350: The membership system searches for corresponding internal member information according to the enterprise member information; Step S360: The member system generates member discount information according to the internal member information, the product discount information, and the tool discount information; Step S370: the member system sends member discount information to the sales terminal; and Step S380: The sales terminal generates a checkout result according to member discount information and checkout requirements.

First, the mobile terminal 110 executes the front-end program 114 . The front-end program 114 obtains the location identification information 151 , and the front-end program 114 identifies the store 140 and the company it belongs to according to the location identification information 151 . The front-end program 114 selects the company membership information 116 corresponding to the identified company. For example, if the front-end program 114 has enterprise member information 116 of enterprise A, enterprise B, and enterprise C. When the mobile terminal 110 is located in the retail store 140 of company A, the front-end program 114 identifies that the mobile terminal 110 is located in the retail store 140 of company A according to the location identification information 151 , and selects the company member information 116 of company A.

The mobile terminal 110 generates a corresponding checkout request 152 according to the company member information 116 and the shopping list. The mobile terminal 110 displays the checkout request 152 on the screen of the mobile terminal 110 for the sales terminal 120 to read the checkout request 152 of the mobile terminal 110 . The sales terminal 120 forwards the checkout request 152 to the member system terminal 130 . The discount processing program 134 of the membership system 130 judges whether the member is a qualified member according to the corporate member information 116 of the checkout request 152 . If it is not a qualified member, the discount processing program 134 sends a member confirmation message to the sales terminal 120 so that the mobile terminal 110 can re-select the new corporate member information 116 .

After the discount processing program 134 confirms that the corporate member information 116 is the qualified internal member information 135 , the discount processing program 134 selects the product discount information, voucher discount information, and payment tool according to the internal member information 135 . In other words, the discount processing program 134 selects the aforementioned preferential information according to the corporate member information 116 and the corresponding internal member information 135 . The discount processing program 134 further selects the corresponding instrument discount information according to the payment instrument. The discount processing program 134 generates member discount information 153 according to the internal member information 135 , commodity discount information, voucher discount information, and tool discount information.

For clarity, please refer to FIG. 5A and FIG. 5B , which are schematic diagrams of the internal member information and member discount information of the member system terminal 130 in an embodiment. The left side of FIG. 5A is the membership system terminal 130 and an internal member information 135; the right side of FIG. 5A and FIG. 5B are the shopping list 510 of the mobile terminal 110; Each internal member information 135 in the member system terminal 130 has its own product discount information, voucher discount information and tool discount information. Taking product discount information as an example, the corresponding product and its preferential price may be promoted in different promotional activities. The consumer can input the product and the corresponding product discount information into the member system terminal 130 , or the member system terminal 130 can substitute the product discount information of each promotional activity into each internal member information 135 .

When the member system terminal 130 receives the checkout request 152 , the member system terminal 130 compares the items in the shopping list 510 to see if there is corresponding product discount information. If there is corresponding product discount information, the membership system terminal 130 will also add the product discount to the sorting results. If the shopping list 510 has no corresponding product discount information, the membership system terminal 130 directly outputs the sorting result of the product discount information. Finally, the membership system terminal 130 outputs the product discount information, coupon discount information, and tool discount information into itemized lists as member discount information 153 .

In some embodiments, the discount processing program 134 can sort the product discount information, and the sorted key values can be but not limited to discount amount, selling price, bonus points, or expiration date. Similarly, the discount processing program 134 can also sort the credit discount information and tool discount information separately. The discount processing program 134 outputs the sorted product discount information and tool discount information as member discount information 153 . The discount processing program 134 sends member discount information 153 to the sales terminal 120 and/or the mobile terminal 110 .

In some embodiments, the discount processing program 134 automatically compares the product information in the shopping list 510 with the product discount information, and selects the product discount information that matches the product information. In other words, the discount processing program 134 will compare whether there is corresponding discount information for the commodities in the shopping list 510 . If there is a product in the shopping list 510 in the product promotion information, the discount processing program 134 can select the product promotion information into the sorting results. The sales terminal 120 and the checkout program 126 generate a checkout result according to the membership discount information 153 and the shopping list 510 . The checkout program 126 plays the member discount information 153 on the display unit 124 for the consumer to confirm the current consumption and discount content.

Taking FIG. 5A as an example, the shopping list 510 has item a and item c. The discount processing program 134 outputs the internal member information 135 after the aforementioned processing, and sends the member discount information 153 to the sales terminal 120 . Since there are commodity a and commodity c in the shopping list 510 , the discount processing program 134 directly selects the corresponding commodity discount information from the member discount information 153 . The discount processing program 134 selects the credit A from the current credit promotion information as the credit amount during the current checkout. The discount processing program 134 selects the payment instrument with the highest discounted amount from the instrument discount information. In order to clearly show the preferential information selected by the discount processing program 134, the selected preferential information is represented by a thick black line frame in FIG. 5B.

In some embodiments, the member system terminal 130 provides consumers with the content of manually adjusting the member discount information 153 , please refer to FIG. 6 and FIG. 7 . In the front-end program 114 of the mobile terminal 110 , the front-end program 114 can set a setting page for automatic selection or manual selection of member discount information 153 . On the setting page, you can turn on or off the sorting of product promotion information, credit promotion information or tool promotion information.

The member system terminal 130 can send member discount information 153 to the mobile terminal 110 and/or the sales terminal 120 . The member discount information 153 shown in FIG. 7 can be played on the display unit 124 of the mobile terminal 110 or the sales terminal 120 . In FIG. 7 , the display screen of the mobile terminal 110 is taken as an example. The mobile terminal 110 modifies the content of the membership discount information 153 according to an adjustment request. Consumers can adjust the content of product discount information, cash discount information or tool discount information in member discount information 153, as shown in FIG. 7 . For example, the consumer can modify the type of product discount information, the discount amount of coupon discount information, or select other payment tools. The mobile terminal 110 sends the revised membership discount information 153 to the sales terminal 120 . The sales terminal 120 generates a corresponding checkout result according to the revised membership discount information 153 and the shopping list 510 .

In one embodiment, the first storage unit 111 of the mobile terminal 110 further stores invoice home information (not shown). When the sales terminal 120 completes the checkout of the checkout result, the sales terminal 120 generates invoice information corresponding to the checkout result according to the invoice home information. The sales terminal 120 sends the invoice information to the corresponding mobile terminal 110 according to the invoice home information. If the invoice home information is recorded as a cloud carrier, the sales terminal 120 sends the invoice information to the cloud carrier.

The shopping discount processing system 100 and method of the digital payment tool can realize the dual authentication of the mobile payment tool and the shopping member by the mobile terminal 110 in a single message, and reduce the number of operation steps of the mobile payment. Moreover, the company and store 140 where the consumer is located can be quickly identified through the location information, so that the mobile terminal 110 can automatically select the corresponding member information, shortening the operation procedure of the consumer when checking out.

100: Processing system

110:Mobile

111: the first storage unit

112: Positioning unit

113: The first processor

114: Front-end program

115:Payment tool program

116: Corporate member information

120: Sales terminal

121: Second storage unit

122: input unit

123: The second communication unit

124: display unit

125: second processor

126: checkout program

130:Membership system terminal

131: The third communication unit

132: The third storage unit

133: The third processor

134: Discount processing program

135:Internal member information

140: retail store

151: Location identification information

152: checkout request

153:Member discount information

510: shopping list

S310~S380: steps

[Fig. 1] is a schematic diagram of an application scenario of an embodiment. [ FIG. 2 ] is a schematic diagram of the system architecture of an embodiment. [ Fig. 3 ] is a schematic diagram of the shopping discount processing flow of the digital payment tool of an embodiment. [FIG. 4] It is a sequence diagram of the shopping discount processing of the digital payment tool of an embodiment. [FIG. 5A] is a schematic diagram of the relevant preferential information of internal members on the member system side of an embodiment. [FIG. 5B] is a schematic diagram of member discount information in an embodiment. [FIG. 6] It is a sequence diagram of the shopping discount processing of the digital payment tool of an embodiment. [FIG. 7] It is a schematic diagram of manual operation of membership discount information in an embodiment.

100: Processing system

110:Mobile

111: the first storage unit

112: Positioning unit

113: The first processor

114: Front-end program

115:Payment tool program

116: Corporate member information

120: Sales terminal

121: Second storage unit

122: input unit

123: The second communication unit

124: display unit

125: second processor

126: checkout program

130:Membership system terminal

131: The third communication unit

132: The third storage unit

133: The third processor

134: Discount processing program

135:Internal member information

151: Location identification information

152: checkout request

153:Member discount information

Claims (16)

A shopping discount processing system for a digital payment tool, comprising: a mobile terminal having a first storage unit, a positioning unit and a first processor, and the first processor is coupled to the first storage unit and the positioning unit , the first storage unit stores a front-end program, the front-end program has multiple sets of enterprise member information, the first processor executes the front-end program, the front-end program selects the corresponding enterprise member information according to a location identification information, the front-end program A checkout request is generated according to the corporate member information and a shopping list; a sales terminal has an input unit, a second storage unit, a second communication unit and a second processor, and the second processor is coupled to The input unit, the second storage unit and the second communication unit, the input unit reads the billing request, the second storage unit stores a billing program, the second processor executes the billing program, the billing The billing program transmits the billing request and a member discount information according to the corporate membership information, and the billing program generates a billing result according to the billing request and the member discount information; and a member system terminal, connected to the sales network Terminal, the member system end has a third communication unit, a third storage unit and a third processor, the third processor is coupled to the third communication unit and the third storage unit, the third storage unit storing a discount processing program and a plurality of pieces of internal member information, each piece of internal member information has at least one piece of product discount information, a piece of cash discount information, and at least one payment tool, and each of the payment tools has at least one piece of tool discount information, The third processor executes the discount processing program, the discount processing program finds the corresponding internal member information according to the enterprise member information, and the discount processing program generates the discount information based on the internal member information, the commodity discount information and the tool discount information member discount information, the third communication unit receives the checkout request from the sales terminal, and the third communication unit sends the membership discount information to the sales terminal. The shopping discount processing system of a digital payment tool as described in Claim 1, wherein the checkout requirement is a one-dimensional barcode or a two-dimensional barcode. The shopping discount processing system of a digital payment tool as described in Claim 1, wherein the product discount information includes a product exchange coupon, a cup delivery coupon or a product discount coupon. According to the shopping discount processing system of digital payment tool described in claim 1, wherein the coupon information includes a coupon, a bonus point or a discount. The shopping discount processing system of a digital payment tool as described in Claim 1, wherein the payment tool is an electronic wallet, a mobile payment program, an electronic ticket or a credit card information. The shopping discount processing system of a digital payment tool as described in claim item 1, wherein the discount processing program selects corresponding discount information of the product, discount information of coupons, and discount information of the payment tool according to the internal member information. The shopping discount processing system of a digital payment tool as described in Claim 1, wherein the discount processing program compares a product information in the shopping list with the product discount information, and selects the product discount information that matches the product information . The shopping discount processing system of a digital payment tool as described in Claim 1, wherein the mobile terminal includes an invoice home information, and the sales terminal generates an invoice information corresponding to the checkout result according to the invoice home information. The shopping discount processing system for digital payment tools as described in claim item 1, wherein the member system end sends the member discount information to the mobile end, and the mobile end according to a tune If it is required to modify the internal member information, the product discount information, the tool discount information or the combination in the member discount information, the mobile terminal sends the modified member discount information to the sales terminal. A shopping discount processing method of a digital payment tool, comprising: executing a front-end program of a mobile terminal; acquiring a location identification information of the mobile terminal, the front-end program selects information of a corporate member according to the location identification information; Information and a shopping list generate a checkout request; a sales terminal reads the checkout request, and forwards the checkout request to a member system; the member system searches for a corresponding internal member information based on the company member information , wherein each of the internal member information has at least one piece of commodity discount information, one credit discount information and at least one payment tool, and each of the payment tools has at least one tool discount information; the membership system end according to the internal member information, the The member discount information is generated by the coupon discount information, the product discount information and the tool discount information; the membership system sends the member discount information to the sales terminal; The billing request produces a billing result. According to the shopping discount processing method of the digital payment tool described in claim item 10, the step of generating the member discount information based on the internal member information, the product discount information and the tool discount information on the member system side includes: the membership system The terminal selects corresponding preferential information of the product, preferential information of the voucher and preferential information of the payment instrument according to the internal member information. The shopping discount processing method for digital payment tools as described in claim item 10, wherein the step of generating the member discount information based on the internal member information, the commodity discount information and the tool discount information on the member system side includes: the member The system side compares a product information of the shopping list with the product discount information, and selects the product discount information matching the product information. The shopping discount processing method of a digital payment tool as described in claim item 10, wherein the step of sending the member discount information to the sales terminal at the member system end includes: sending the member discount information to the mobile end at the member system end ; The mobile terminal modifies the internal member information, the product discount information, the tool discount information or the combination in the member discount information according to an adjustment request; and the mobile terminal sends the modified member discount information to the sales terminal. The shopping discount processing method for digital payment tools as described in claim item 10, wherein the step of sending the member discount information to the sales terminal at the member system end includes: sending the member discount information to the sales terminal at the member system end ; and the mobile terminal modifies the internal member information, the commodity discount information, the tool discount information or a combination in the member discount information according to an adjustment request. The shopping discount processing method of a digital payment tool as described in Claim 10, wherein the step of generating the checkout result at the sales terminal according to the member discount information and the checkout request includes: The sales terminal generates an invoice information corresponding to the checkout result according to an invoice home information of the mobile terminal. The shopping discount processing method of a digital payment tool as described in Claim 10, wherein the checkout requirement is a one-dimensional barcode or a two-dimensional barcode.

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