Transaction platform system of virtual product

Abstract

The invention discloses a transaction platform system of a virtual product, and the system comprises a modular transaction engine which is used for carrying out the modular splitting of a transaction process of the virtual product, and comprises a commodity management module, a user management module, a risk control management module, an order management module, a settlement management module, an after-sales management module, and a financial management module; the dynamic rule engine is used for configuring transaction parameters in real time, and the transaction parameters comprise transaction timeliness, price strategies and delivery modes; and the user growth management module is used for constructing a growth model based on the user transaction data, and converting the transaction frequency and amount of the user into a user level and a right reward. According to the invention, an integrated system architecture of a modular transaction engine, a dynamic rule engine, a growth type user system, an extensible architecture and a full-link security mechanism is constructed, so that the defects in the prior art are overcome.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of Internet, and particularly relates to a transaction platform system of virtual products. BACKGROUND

[0002] With the rapid development of Internet technology, the digitalization process is accelerating, and the types and market size of virtual products are growing explosively. From daily charge top-up, digital rights acquisition, to game field card number, virtual currency top-up, etc., virtual products have penetrated into every aspect of people's lives and become an important part of the digital economy. The demand for virtual product transactions is growing, whether it is the casual transaction between individual consumers or the procurement of digital resources at the enterprise level, and a high-efficiency and reliable transaction platform is urgently needed to support it. However, the traditional transaction mode is difficult to meet the complexity and scale of the current virtual product transaction, and the traditional transaction mode has the following several modes: 1) Application of conventional e-commerce transaction mode: Many early virtual product transaction platforms directly use the transaction mode of traditional physical e-commerce, with basic functions such as user registration and login, product display, order placement, and payment. Users can browse virtual product information on the platform, add desired products to the shopping cart, and complete the transaction process after payment.

[0003] 2) Customized system in specific fields: In some professional virtual product fields, such as digital copyright transactions, customized transaction systems have emerged. These systems set up copyright authentication and authorization management functions around the characteristics of digital copyright. For example, a digital music copyright transaction platform allows creators to upload music works and register for copyright, and buyers can obtain corresponding usage authorization after purchase, and the system records the authorization scope and period.

[0004] 3) Attempt based on blockchain technology: Some emerging virtual product transaction platforms introduce blockchain technology to ensure transaction security and transparency through its decentralized and tamper-proof features. Transaction information is recorded on the blockchain, enabling full traceability of the transaction process. Some digital collectible transaction platforms have unique identifiers for each collectible on the blockchain, and each step from issuance to circulation is clearly traceable.

[0005] The current technical solution has the following shortcomings: 1) Lack of transaction flexibility: In the traditional e-commerce mode, the virtual product transaction process is fixed and cannot adapt to the diverse transaction needs of virtual products. For example, for some time-limited and limited virtual products, it is difficult to quickly adjust the transaction rules. The reason is that the system architecture lacks flexibility, and each transaction link is tightly coupled, making it difficult to modify and optimize a single link.

[0006] 2) Lack of growth-oriented transaction system: Most existing platforms only focus on current transactions and do not build a growth-oriented system that can promote user long-term participation and platform continuous development. User transaction behavior on the platform cannot effectively convert into motivation for self-interest improvement or platform ecosystem perfection. This is mainly because the long-term operation of the platform and user stickiness cultivation are not fully considered at the initial design stage, and the user life cycle value is not deeply explored.

[0007] 3) Limited scalability: When the business scale expands or new virtual product types and transaction modes need to be added, the conventional e-commerce mode and some customized systems are difficult to cope with. System parameter adjustment is difficult, and algorithm optimization is difficult to iterate, hindering platform development. The root cause is that the architecture design does not reserve enough expansion interfaces and flexible data structures, making it difficult to integrate new functions and business logic.

[0008] 4) Poor scene adaptability: Different business scenarios have different needs for virtual product transactions, and existing platforms are difficult to be universal. For example, virtual financial product transactions in the financial field have high requirements for risk control and compliance, while entertainment virtual product transactions focus on user experience and interest. A set of platform system cannot meet both, which is due to the lack of abstraction of the commonality and characteristics of different scenarios in system design, and the lack of multi-scene adaptive architecture design.

[0009] 5) Transaction security and rights protection issues: Although some platforms use encryption technology, there are still risks of information leakage and transaction fraud. In the application of blockchain technology, there are also problems such as smart contract vulnerabilities. The reason is that the security protection system is not perfect, and it does not fully cover all aspects of the transaction process. At the same time, when new technologies are applied, there is a lack of sufficient security evaluation and vulnerability detection mechanisms. SUMMARY

[0010] The purpose of the present application is to provide a virtual product transaction platform system, which builds a system architecture integrating modular transaction engine, dynamic rule engine, growth-oriented user system, scalable architecture and full-link security mechanism, to solve the shortcomings of the prior art.

[0011] To achieve the above purpose, the following technical solution is adopted: A virtual product transaction platform system, comprising a modular transaction engine for modularizing and splitting the transaction process of virtual products, including a commodity management module, a user management module, a risk control management module, an order management module, a settlement management module, an after-sales management module and a financial management module; a dynamic rule engine for real-time configuration of transaction parameters, wherein the transaction parameters include transaction time limit, price strategy and delivery method; A user growth management module is configured to build a growth model based on user transaction data, and convert the transaction frequency and amount of a user into a user level and a benefit reward. An extension module is configured to reserve an extension interface for parameter visualization configuration and algorithm plug-in update. A security management module is configured to integrate encryption transmission, smart contract audit, and real-time risk monitoring technology, and build a full-link security protection system covering before, during, and after a transaction.

[0012] Further, the commodity management module includes A commodity business type management unit is configured to distinguish different types of businesses, including a charge, a benefit, a virtual currency, a catering order, and a card password; A specification attribute management unit is configured to set the minimum sku attribute of a commodity; A commodity price management unit is configured to set different commodity prices for different user roles, including a purchaser, a resource user, and a platform; A commodity attribute management unit is configured to manage the attribute value of a commodity according to the commodity characteristics; A commodity inventory management unit is configured to dynamically manage the inventory of a resource party.

[0013] Further, the user management module includes A deposit management unit is configured to submit a deposit to the platform before a user places an order or releases an order, and manage the deposit; A user portrait management unit is configured to data-based rate a user according to the authentication information and behavior information of the user.

[0014] Further, the risk control management module includes A risk assessment unit is configured to assess the risk of a user in real time based on the authentication information, the deposit, the order placement, and the after-sales occurrence of the user through the subscriber mode of kafka; A behavior control unit is configured to control the behavior of a user in real time according to the risk assessment result.

[0015] Further, the order management module includes An order attribute configuration unit is configured to set different fulfillment modes according to order attributes; An order fulfillment management unit is configured to design a fulfillment sea for an order, including a public sea, a private sea, a high-quality sea, and a slow resource sea; An order subscription management unit is configured to broadcast a subscription service through the subscriber mode of kafka, and track and count the order situation, the order placement of a user, the success rate, the callback rate, and the callback time in real time, so as to monitor the order situation and the order placement of a user in real time.

[0016] Further, the settlement management module comprises The purchase order settlement unit comprises a pre-deduction mode and a real-time deduction mode. The resource order settlement unit is configured to design different settlement states, including delayed settlement, settlement available, settled, invalid settlement, and prohibited settlement.

[0017] Further, the after-sales management module comprises The after-sales system building unit is configured to build an after-sales system to solve disputed orders. The after-sales type configuration unit is configured to configure different after-sales order types for after-sales orders. The after-sales automation strategy unit is configured to configure an automated review strategy to achieve automated review of common after-sales order refunds and deductions.

[0018] Further, the financial management module comprises The order settlement unit is configured to manage the settlement flow of purchase orders and resource orders, and to handle risk control issues. The after-sales refund and deduction unit is configured to generate different types of after-sales flow based on user complaints. The user fine unit is configured to generate a fine flow for users who have violated rules. The user withdrawal and recharge unit is configured to perform recharge and withdrawal operations on the user's platform balance account and generate corresponding flow details. The user deposit unit is configured to manage the user's deposit account and generate corresponding flow as an account basis.

[0019] The above scheme has the following advantages: 1) The transaction efficiency is significantly improved, and the transaction method can be quickly adjusted according to the characteristics of virtual products, greatly shortening the transaction completion time. 2) A growth model is constructed based on user transaction data, which converts transaction frequency, amount, and other behaviors into user levels, interest rewards, and drives the iterative optimization of platform transaction rules, forming a growth-type transaction closed loop and improving user activity. 3) The micro-service architecture and interface standardization design are adopted, the extension interface is reserved, the parameter visualization configuration and algorithm plug-in update are supported, and the parameter adjustment time is shortened. 4) By abstracting the common needs and personalized parameters of different scenarios, the system can quickly adapt to multiple business scenarios, reducing deployment costs. 5) By integrating encryption transmission, smart contract audit, real-time risk monitoring, and other technologies, a full-link security protection system covering the pre-, middle-, and post-transaction stages is constructed, greatly improving system security. BRIEF DESCRIPTION OF DRAWINGS

[0020] Figure 1System architecture diagram of the present application. DETAILED DESCRIPTION

[0021] The present application is described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0022] Referring to Figure 1 The present application provides a virtual product transaction platform system, which in an embodiment includes A modular transaction engine for modularizing the transaction process of virtual products, including a commodity management module, a user management module, a risk control management module, an order management module, a settlement management module, an after-sales management module, and a financial management module. A dynamic rule engine for real-time configuration of transaction parameters, wherein the transaction parameters include transaction time limit, price strategy, and delivery method. A user growth management module for building a growth model based on user transaction data, converting user transaction frequency and amount into user level and benefit rewards. An extension module for reserving extension interfaces for parameter visualization configuration and algorithm plug-in updates. A security management module for integrating encryption transmission, smart contract audit, and real-time risk monitoring technology to build a full-link security protection system covering before, during, and after transactions.

[0023] In this embodiment, the present application first adopts modular design to split the transaction process, configures transaction parameters (such as transaction time limit, price strategy, delivery method, etc.) in real time through a dynamic rule engine, and supports flexible and diverse transaction modes. Second, based on user transaction data, a growth model is built to convert behaviors such as transaction frequency and amount into user level and benefit rewards, while driving the iterative optimization of platform transaction rules to form a growth-type transaction closed loop. Third, microservice architecture and interface standardization design are adopted, extension interfaces are reserved, and parameter visualization configuration and algorithm plug-in updates are supported. Fourth, by abstracting the common needs and individualized parameters of different scenarios, the system quickly adapts to multiple business scenarios. Finally, by integrating encryption transmission, smart contract audit, real-time risk monitoring, and other technologies, a full-link security protection system covering before, during, and after transactions is built, The commodity management module is responsible for the overall management of different types of virtual products, including A commodity business type management unit for distinguishing different types of business, including airtime, benefits, virtual currency, meal ordering, and card codes. Distinguishing different businesses facilitates the management of different commodities, implements different management systems for commodities, and optimizes different processing strategies for order distribution.

[0024] The Specifications and Attributes Management unit is used to set the minimum SKU attribute for a product. It specifies the minimum SKU attribute for the product, which is the minimum unit for a transaction and the basic information for fulfillment.

[0025] The commodity price management unit is used to set different commodity prices for different user roles, including buyers, resource users, and the platform. Buyers, resource users, and the platform can set different prices for the same commodity, realizing different value expressions for different commodities, meeting the different demands of different users for commodity value, and ensuring the true market reflection of commodity value.

[0026] The product attribute management unit is used to manage product attribute values ​​based on product characteristics. It manages product attribute values ​​according to product characteristics, such as card type, direct top-up type, mobile phone top-up type, and benefits direct top-up type. Attribute management for different products facilitates the design of different strategies for order fulfillment documentation and order dispatch.

[0027] Product Resource Packages: These are categorized based on the different characteristics of product fulfillment resource packages, which facilitates personalized fulfillment, such as various resource types including high quality, high efficiency, fast callback, low price, and slow callback.

[0028] The merchandise inventory management unit is used to dynamically manage the inventory of resource providers. Based on the inventory of goods, primarily the inventory of resource providers, it enables dynamic management of resource providers' inventory and avoids invalid order fulfillment.

[0029] Ideally, the user management module improves platform operational efficiency and user experience through multi-dimensional user management, including... The deposit management unit is used to manage deposits submitted by users to the platform before placing or releasing orders. Different services, such as phone bill payments, membership benefits, virtual currency, restaurant ordering, and card codes, require users to submit deposits of varying amounts before placing or releasing orders. This improves user credibility and protects the legitimate rights and interests of users, merchants, and the platform in case of disputes or risks.

[0030] The user profile management unit performs data-driven ratings of users based on their authentication and behavioral information. This data-driven rating system assigns user levels and weights based on authentication and behavioral data, enabling tiered user management and real-time updates of user levels. Through algorithms, different user behavioral attributes are weighted and calculated to arrive at a balanced score, which is then used for weighted management of user order-grabbing and order assignment.

[0031] Preferably, the risk control management module includes A risk assessment unit is configured to assess the risk of a user in real time based on the authentication information of the user, the deposit, the order placement and the occurrence of after-sales. A behavior control unit is configured to control the behavior of the user in real time according to the risk assessment result.

[0032] The module assesses the risk of different behaviors in real time and uniformly according to the authentication information of the user, the deposit, the order placement and the occurrence of after-sales, and controls the next behavior of the user in real time, such as prohibiting the order placement of the user and limiting the withdrawal ability of the user when it is assessed that the user has after-sales disputes.

[0033] Preferably, the order management module comprises An order attribute configuration unit is configured to set different fulfillment modes according to order attributes. Different fulfillment modes are set according to order attributes, such as a direct charging mode, fulfillment information as a voucher for charging to an account, a card password type, fulfillment information as a corresponding card password, a card number, a valid period, a sub-order mode, and fulfillment information as a fulfillment voucher for in-store consumption.

[0034] An order fulfillment management unit is configured to design a fulfillment sea for an order, including a public sea, a private sea, a high-quality sea and a slow resource sea. The order is designed according to the nature of the order, and the fulfillment sea is designed, including a public sea, a private sea, a high-quality sea and a slow resource sea. The concept of sea is different from the order fulfillment mode, such as a public sea designed as a single taking and order grabbing mode, a resource user actively grabbing an order to fulfill the order of a procurement user, a private sea as a single pushing mode, the system automatically finding a suitable user and sending an order to a procurement user according to a system calculation formula, a high-quality sea as a high-quality order placement user, providing a high-quality order with a priority sending weight, and the like. In addition, the concept of sea is a dynamic and expandable concept, which realizes the design of diversified order fulfillment of users and the construction of high-quality fulfillment ability.

[0035] An order subscription management unit is configured to broadcast a subscription service through a subscriber mode of Kafka and track and count the order situation, the order placement of the user, the success rate, the callback rate and the callback time in real time, so as to monitor the order situation and the order placement of the user in real time. According to the dynamic change of the order information, the subscription service is broadcasted through the subscriber mode of Kafka, and the order situation, the order placement of the user, the success rate, the callback rate and the callback time are tracked and counted in real time, so as to facilitate the real-time monitoring of the order situation and the order placement of the user without affecting the order placement process and the order placement efficiency.

[0036] Preferably, the settlement management module comprises The purchase order settlement unit includes a pre-deduction mode and a real-time deduction mode. The purchase order is designed in two modes, the pre-deduction mode and the real-time deduction mode. In the pre-deduction mode, the price corresponding to the goods provided by the user needs to be deducted at the same time when the user places an order. If the user fails to place an order, the user is refunded. If the order is successful, the performance information is returned to the merchant. In the real-time deduction mode, the user does not need to deduct the money when placing an order. The order is deducted when the resource user accepts the order. If it fails, the user is refunded. If it is successful, the performance information is returned to the user. Different modes provide different merchants and businesses, and diversified settlement methods improve the willingness of users to place orders.

[0037] The resource order settlement unit is used to design different states of settlement, including delayed settlement, settleable, settled, invalid settlement, and prohibited settlement. The resource user provides the order placement capability. When the order is successful, the user needs to be settled. However, real-time settlement has risks, and various factors such as user integrity may cause the order to fail, resulting in financial losses. Therefore, different states of settlement are designed, including delayed settlement, settleable, settled, invalid settlement, and prohibited settlement, to ensure the safety of funds.

[0038] Preferably, the after-sales management module includes The after-sales system building unit is used to build an after-sales system to solve disputed orders. The after-sales system is built and opened to both buyers and sellers. Disputed orders can be effectively solved through the after-sales system, providing evidence, and solving after-sales disputes through after-sales review types.

[0039] The after-sales type configuration unit is used to configure different after-sales order types for after-sales orders. After-sales orders are configured with different after-sales order types to provide wind control basis for the risk control system and user portrait basis.

[0040] The after-sales automation strategy unit is used to configure an automatic review strategy to achieve automatic review of common after-sales order refunds and deductions. After-sales orders need financial review for user refunds and deductions. By configuring an automatic review strategy for common after-sales types, automatic review of common after-sales order refunds and deductions is achieved, reducing the cost of manual processing.

[0041] Preferably, the financial management module includes An order settlement unit is configured to manage settlement processes of procurement orders and resource orders, and to process risk control issues. The success or failure of a procurement order generates multiple settlement processes for a procurement user, and the success of a resource order generates a settlement process for a resource party. At this time, there are risk control issues, and real-time settlement funds are not paid to the user balance. The settlement account is used to transfer the settlement account in different states, and finally the settlement amount is paid to the user balance. At this time, the user settlement state needs to be managed reasonably, in compliance with regulations, and acceptable to both parties.

[0042] A post-sale deduction unit is configured to generate different types of post-sale processes in combination with user demands. After a post-sale order is audited, different types of post-sale processes are generated in combination with user demands, and the post-sale processes are managed.

[0043] A user fine unit is configured to generate fine processes of a user due to violation of rules. The user may be fined by the platform due to post-sale reasons such as false charging, disassembling charging, violation of business contact, p picture, and insufficient charging, or the user may be fined by the platform due to violation of rules, and the fine processes are generated.

[0044] A user withdrawal and recharge unit is configured to perform withdrawal and recharge operations on the balance account of the user on the platform, and to generate corresponding process details. The balance account of the user on the platform can support withdrawal and recharge, and each operation has corresponding process details as a basis to provide a user settlement period.

[0045] A user deposit unit is configured to manage a user deposit account, and to generate corresponding processes as a basis for reconciliation. The user deposit account is a security barrier for the user to place orders, and the corresponding processes need to have reasonable basis for reconciliation and need to have processes as a voucher.

[0046] In a specific embodiment, a user submits a procurement order and completes an order inquiry interaction design. This embodiment focuses on the inquiry interaction process after the user submits the procurement order, and the core target is as follows: 1) Quickly match virtual product resources with appropriate prices to shorten order response time; 2) Perform multi-dimensional verification on resource delivery links to ensure that delivery information is real and effective; 3) Real-time callback of order performance progress and results to the procurement party to ensure information synchronization and timeliness; 4) Support customized transaction needs of special types of virtual products to improve scene adaptation capability.

[0047] For system architecture design, the embodiment adopts a distributed architecture, realizes function decoupling through modularization, and the core modules include: Commodity management module: In the procurement commodity release stage, the polling rules of the corresponding fulfillment resources are configured synchronously, including polling order (such as priority sorting, random selection, etc.), polling trigger condition (such as price threshold, inventory threshold), etc., to provide basic parameters for subsequent inquiry order matching.

[0048] Order polling module: Introduce a three-level matching mechanism of "procurement pool-private sea-public sea". After the generation of a procurement order, it first enters the procurement pool, and the system calculates the order weight based on the user portrait (including historical fulfillment rate, price sensitivity, etc.), combines the user's real-time inventory and the preset order time, and accurately matches the most suitable resource user from the corresponding private sea; If the private sea matching fails, the order will automatically enter the public sea, which will be displayed in real time through the platform order taking hall live broadcast, supporting resource users to take orders to ensure efficient order circulation.

[0049] Order cycle management module: Set a dynamic fulfillment cycle for each order (which can be automatically adjusted according to parameters such as commodity type and transaction amount), trigger an automatic failure mechanism for orders that have not been completed in time, and notify both parties synchronously to ensure the efficiency and quality of platform order processing.

[0050] Order fulfillment module: Provides a hierarchical verification method for different order verification needs: in strict mode, OCR image recognition technology is used to automatically verify fulfillment credentials (such as card code screenshots, recharge success pages, etc.); In the relaxed mode, resource users can submit text information or directly update the fulfillment status, balancing verification accuracy and operational flexibility.

[0051] For user and inventory management, including User weight dynamic calculation mechanism: Use Kafka subscription broadcast mode to collect multi-dimensional data such as user order behavior, balance, fulfillment completion rate, callback response time, etc. in real time, calculate user credit points in real time through a preset algorithm (the weight of each factor can be configured), and then generate order weight priority. This mechanism has strong scalability, and the weight calculation logic can be optimized by adjusting algorithm parameters to realize a positive cycle of user data accumulation and order matching efficiency. The higher the user's transaction frequency, the richer the data dimensions, the more accurate the weight calculation, and the higher the matching degree of order matching, which promotes the platform to form a "more intelligent" growing ecosystem.

[0052] Inventory collaborative management mode: User virtual commodity inventory uses a collaborative mechanism of "user self-setting combined with platform real-time control". Users can configure inventory status (such as on sale, pre-sale, and off-shelf), quantity, and property labels (such as expiration date and applicable scenarios); The platform updates the inventory quality score in real time based on the user's historical fulfillment quality (such as error rate and complaint rate), and synchronously adjusts the inventory on-sale status. When a procurement order is generated, the system quickly filters out resource users that meet the conditions through intelligent matching of inventory labels and order requirements, improving matching efficiency.

[0053] For commodity resource database management, including Platform intelligent resource scheduling: Based on the product type, the platform associates high-quality resource pools with each product type and uses a multi-resource polling strategy (such as polling by success rate and dynamically switching by response speed) to ensure the high success rate and timeliness of purchase orders. For example, for mobile phone top-up products, the platform prioritizes polling resource channels with fast historical top-up arrival speeds.

[0054] Personalized resource selection for merchants: The platform provides merchants with a list of high-quality resources (including resource user ratings, historical cooperation data, etc.) and supports merchants in configuring the polling method for fulfilling users (such as specifying priorities, excluding specific users, etc.) to meet personalized transaction needs and improve the satisfaction of both parties.

[0055] Hybrid resource combination strategy: Merchants can combine the platform's official polling mode with self-selected resources to form diversified fulfillment plans (such as "prioritizing officially recommended resources and using self-selected resources after failure"), further improving the success rate of order delivery.

[0056] Regarding the outcome processing, purchasing users successfully acquire the target virtual goods, completing the transaction loop; resource users monetize their idle virtual resources through the platform and obtain corresponding profits; the platform completes the transaction matching, collects service commissions according to a preset ratio, and accumulates transaction data to continuously optimize the matching algorithm and service capabilities.

[0057] This embodiment realizes the processing of user-submitted purchase order requests, and has the following technical effects: High efficiency: Based on the order weight model built on user profiles, the product inventory collaborative management mode of "user self-setting combined with platform real-time control", and the three-level resource polling mechanism of "procurement pool-private sea-public sea", the system can complete resource matching in a very short time after the purchase order is generated. Compared with the traditional mode, the order response speed is greatly improved, the average delivery cycle is shortened to minutes, and the overall efficiency of virtual product procurement is greatly improved.

[0058] Accuracy: By calculating order weight priority through multi-dimensional user data, the system can accurately locate resource users that meet the order requirements, improving the matching accuracy. At the same time, the hierarchical mechanism designed for fulfillment information verification (the credit user no-certificate mode achieves controllable risk based on historical fulfillment data) effectively reduces the occurrence of incorrect or missing orders, greatly improving the order delivery completion rate and ensuring the smooth delivery of orders to the greatest extent.

[0059] Flexibility: Based on the Kafka subscription-broadcast model, the system can synchronize user order behavior, deposit changes, and fulfillment results in real time, dynamically updating user credit scores and product inventory quality levels, enabling resource scheduling to be flexibly adjusted based on real-time data. For example, if a user with a resource experiences a fulfillment delay, their order weight can be immediately reduced to avoid subsequent order matching deviations, achieving dynamic and flexible management of platform resources.

[0060] Growth potential: Users' credit scores are deeply linked to their order-taking behavior. Positive behaviors such as good performance records and fast response speed will continuously improve credit scores. In turn, the improvement of credit scores will bring higher order weight and more priority order matching opportunities, forming a virtuous cycle of "high-quality order-credit improvement-efficient order acceptance".

[0061] Scalability: The distributed modular architecture design allows each functional module to be expanded independently, and new virtual product types can be quickly connected through standardized interfaces. At the same time, core logic such as user weight algorithm and polling rules support parameterized configuration, which can adapt to business rule adjustments without refactoring the system, meeting the expansion needs of different industries and business scenarios of different scales.

[0062] The above are merely preferred embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A virtual product trading platform system, characterized in that, include The modular transaction engine is used to modularize the transaction process of virtual products, including product management module, user management module, risk control management module, order management module, settlement management module, after-sales management module, and financial management module; A dynamic rules engine is used to configure trading parameters in real time, wherein the trading parameters include trading timeliness, pricing strategy and delivery method; The user growth management module is used to build a growth model based on user transaction data, and to convert users’ transaction frequency and amount into user level and reward benefits. The extension module is used to reserve extension interfaces for parameter visualization configuration and algorithm plug-in updates; The security management module integrates encrypted transmission, smart contract auditing, and real-time risk monitoring technologies to build a full-chain security protection system covering the pre-transaction, transaction, and post-transaction stages.

2. The virtual product trading platform system according to claim 1, characterized in that, The product management module includes The Product Business Type Management Unit is used to distinguish different types of business, including phone bills, benefits, virtual currency, restaurant ordering, and card codes. The specification attribute management unit is used to set the minimum SKU attribute of a product; The commodity price management unit is used to set different commodity prices for different user roles, including buyers, resource users, and the platform. The product attribute management unit is used to manage the attribute values ​​of products based on their characteristics. The commodity inventory management unit is used to dynamically manage the inventory of resource providers.

3. The virtual product trading platform system according to claim 1, characterized in that, The user management module includes The deposit management unit is used to submit a deposit to the platform before a user places an order or releases an order, and to manage the deposit. The user profile management unit performs data-driven ratings of users based on their authentication and behavioral information.

4. The virtual product trading platform system according to claim 1, characterized in that, The risk control management module includes The risk assessment unit is used to assess user risk in real time based on user authentication information, deposit payment, order status, and after-sales events, using Kafka's subscriber model. The behavior control unit monitors user behavior in real time based on risk assessment results.

5. The virtual product trading platform system according to claim 1, characterized in that, The order management module includes The order attribute configuration unit is used to set different fulfillment methods based on order attributes; The order fulfillment management unit is used to design fulfillment seas for orders, including high seas, private seas, high-quality seas, and slow-resource seas; The order subscription management unit is used to broadcast subscription services through Kafka's subscriber pattern and track and statistically analyze order status, user order completion status, success rate, callback rate, and callback time in real time, so as to monitor order status and user order completion status in real time.

6. The virtual product trading platform system according to claim 1, characterized in that, The settlement management module includes Purchase order settlement unit, including prepayment mode and real-time payment mode; The resource party order settlement unit is used to design different settlement states, including delayed settlement, settlement available, settled, invalid settlement, and settlement prohibited.

7. The virtual product trading platform system according to claim 1, characterized in that, The after-sales management module includes The after-sales system building unit is used to build an after-sales system to resolve disputed orders; The after-sales service type configuration unit is used to configure different after-sales service order types for after-sales orders; The after-sales automation strategy unit is used to configure automated review strategies to automate the review of payment and deduction for common after-sales orders.

8. The virtual product trading platform system according to claim 1, characterized in that, The financial management module includes The order settlement unit is used to manage the settlement flow of purchase orders and resource orders, and to handle risk control issues; The after-sales payment supplement unit is used to generate different types of after-sales transaction records based on user requests. The user penalty unit is used to generate a record of penalties incurred by users due to violations. The user withdrawal and recharge unit is used for users to recharge and withdraw funds from their platform balance accounts and generate corresponding transaction details. The user deposit unit is used to manage users' deposit accounts and generate corresponding transaction records as a basis for reconciliation.

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