Blockchain points transaction method, system, device and storage medium
By generating payment codes and buyback accounts for merchants and combining them with blockchain technology, a passive buying and selling mechanism is implemented, which solves the problem of low efficiency in points transactions, promotes consumption, and increases user benefits.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- SHENZHEN YOULIN TECH SERVICE CO LTD
- Filing Date
- 2023-02-15
- Publication Date
- 2026-06-23
AI Technical Summary
Existing points-based transaction systems suffer from low transaction efficiency, making it difficult for users to effectively use their points and limiting the application scenarios for merchant points. The traditional transaction model, which relies on active buying and selling, fails to promote consumption.
By generating unique QR codes and buyback accounts for merchants, receiving payment transactions and accumulating buyback funds, and triggering buyback points when a transaction is completed, a passive buying and selling mechanism is realized by combining blockchain technology to promote consumption.
It improves transaction efficiency, increases users' additional benefits, promotes consumption, increases customer return rate and stickiness, and solves the problem of points not being used effectively.
Smart Images
Figure CN116645201B_ABST
Abstract
Description
Technical Field
[0001] This invention belongs to the field of online transaction technology, specifically relating to a blockchain points transaction method, system, device, and storage medium. Background Technology
[0002] Blockchain is a new type of system developed from computer technologies such as distributed networks, consensus algorithms, and cryptographic algorithms. It can solve trust issues that arise in multi-party collaborations.
[0003] The usability of points has always been a common problem for both merchants and users. Merchants hope to incentivize users to spend through points, but the application scenarios for points are often limited to a very small range. For users, they usually have points from multiple merchants, but the number of points they can hold from each merchant is very limited, and small amounts of points cannot be used, resulting in the predicament of users having a considerable number of points but being unable to use them.
[0004] Most current points trading systems operate on an active buying and selling model, where sellers offer to buy and buyers purchase. Once the buyer and seller agree on a price, the transaction can be completed. Otherwise, neither the buyer nor the seller can complete the transaction, and both remain in a pending order state, resulting in low trading efficiency. Summary of the Invention
[0005] The present invention aims to at least partially solve the aforementioned technical problems. Therefore, the objective of the present invention is to provide a blockchain points trading method, system, device, and storage medium.
[0006] The technical solution adopted in this invention is as follows:
[0007] A blockchain points trading method includes the following steps:
[0008] Generate a unique QR code for the merchant and a corresponding repurchase fund account for the QR code;
[0009] Receive and execute payment transactions sent by users, and transfer the repurchase funds included in the payment to the repurchase fund account according to the payment amount and the repurchase fund ratio, and accumulate them with the original repurchase funds in the repurchase fund account;
[0010] Receive user's points redemption request, which includes the number of points and the redemption price.
[0011] A transaction is triggered when the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value. The repurchase funds are used to repurchase all points with an exchange price less than or equal to the pricing until the repurchase funds are exhausted or all eligible points are fully repurchased, at which point the transaction ends.
[0012] Preferably, a unique QR code is generated for the merchant, and a corresponding payment account is generated at the same time. The remaining amount after deducting the repurchase fee from the payment is transferred to the payment account.
[0013] Preferably, after each successful payment transaction, corresponding points are generated based on the payment amount and the points conversion relationship, and the points are transferred to the user's account.
[0014] Preferably, the repurchase funds after a user's points transaction are transferred to the user's account.
[0015] Preferably, the payment transaction is obtained by the user after scanning the QR code.
[0016] Preferably, the pricing is a real-time price and / or a fixed price.
[0017] A blockchain points trading system includes:
[0018] The QR code generation unit is used to generate a unique QR code for each merchant and generate a corresponding payment account and repurchase fund account;
[0019] The settings unit is used to set the relationship between the payment amount and the repurchase amount ratio, as well as the relationship between the payment amount and the points conversion.
[0020] The collection unit is used to receive and execute payment transactions sent by users and transfer the repurchase funds included in the payment to the repurchase fund account according to the payment amount and the repurchase fund ratio. The remaining amount after deducting the repurchase funds from the payment is transferred to the collection account.
[0021] The points unit is used to generate corresponding points based on the payment amount and the points conversion relationship after each successful payment transaction, and then transfer the points to the user's account;
[0022] The redemption unit is used to receive users' points redemption requests;
[0023] The trigger unit is used to trigger a transaction when the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value.
[0024] The trading unit is used to repurchase all points with a redemption price less than or equal to the pricing price using repurchase funds after a transaction is triggered, until the repurchase funds are exhausted or all eligible points are fully repurchased.
[0025] The database is used to store and record information in the repurchase fund account, the receiving account, and the user account.
[0026] Preferably, a computer device includes a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps of the blockchain points transaction method described above.
[0027] Preferably, a computer-readable storage medium stores computer-readable instructions, which, when executed, implement the steps of the blockchain points transaction method described above.
[0028] The beneficial effects of this invention are as follows:
[0029] The blockchain points trading method and system provided by this invention breaks the traditional points trading system's only active buying mode and creates a passive buying mode for consumer orders, linking online and offline consumption scenarios. It transforms the traditional active buying and selling transactions into a passive buying and selling mechanism for order repurchase, which can promote consumption, increase consumers' additional benefits, improve customer return rate, increase customer stickiness, and stimulate user consumption. Attached Figure Description
[0030] Figure 1 This invention is a flowchart illustrating how merchants select marketing fee rates to accumulate order repurchase amounts.
[0031] Figure 2 This is a flowchart of the blockchain points transaction method in this embodiment. Detailed Implementation
[0032] The technical solution of the present invention will now be clearly and completely described with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative effort are within the scope of protection of the present invention.
[0033] It should be understood that although the terms first, second, etc., may be used herein to describe various units, these units should not be limited by these terms. These terms are only used to distinguish one unit from another. For example, a first unit may be referred to as a second unit, and similarly, a second unit may be referred to as a first unit, without departing from the scope of the exemplary embodiments of the invention.
[0034] It should be understood that, and also noted, in the embodiments, the functions / actions may appear in a different order than those shown in the figures. For example, depending on the functions / actions involved, they may actually be performed substantially concurrently, or sometimes the two figures shown consecutively may be performed in reverse order.
[0035] like Figure 1 and Figure 2 As shown, a blockchain points transaction method in this embodiment includes the following steps:
[0036] Generate a unique QR code for the merchant and generate a repurchase fund account and a payment account corresponding to the QR code.
[0037] The system receives and executes payment transactions sent by users, and transfers the repurchase funds included in the payment amount to the repurchase fund account according to the payment amount and the repurchase fund ratio. These funds are then accumulated and added to the original repurchase funds in the repurchase fund account. Payment transactions are obtained by users after scanning the QR code. The remaining amount after deducting the repurchase funds from the payment amount is transferred to the receiving account.
[0038] After each successful payment transaction, points are generated based on the payment amount and the points conversion rate, and then transferred to the user's account. The system receives user point redemption requests, which include the number of points and the redemption price.
[0039] When the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value, a transaction (i.e., order repurchase mechanism) is triggered. The repurchase funds are used to repurchase all points whose exchange price is less than or equal to the pricing until the repurchase funds are exhausted or all eligible points are completely repurchased. The transaction ends, and the repurchase funds after the user's points transaction are transferred to the user's account. The user can freely use the repurchase funds in the user's account.
[0040] The above payment code is a QR code, the pricing is either real-time or fixed, and the points are represented in the form of points coupons.
[0041] The following examples illustrate the blockchain points trading method described above.
[0042] After joining the online platform, online supply chain merchants need to fill in the marketing fee rate for each product when uploading it. Choose one of the following two options:
[0043] A1. The marketing fee rate ranges from 5% to 20%. 0.6% of the marketing fee rate is a payment processing fee, and 70% of the remaining marketing fee rate is the order repurchase amount (i.e., repurchase money). When this plan is selected, the total order repurchase amount will be automatically accumulated after successful payment.
[0044] A2. The marketing expense rate is 0.6%, which is a payment processing fee. There is no order repurchase amount. When this plan is selected, the receipt of payment will not trigger the accumulation of the total order repurchase amount.
[0045] After a merchant successfully selects a merchant, the system server will record the selected option.
[0046] When offline brick-and-mortar merchants open QR codes, buyback accounts, and payment accounts, they need to choose a payment marketing fee rate. Choose one of the following two options:
[0047] A3. The marketing fee rate ranges from 5% to 20%. 0.6% of the marketing fee rate is a payment processing fee, and 70% of the remaining marketing fee rate is the order repurchase amount. When this plan is selected, the total order repurchase amount will be automatically accumulated after successful payment.
[0048] A4. The marketing expense rate is 0.6%, which is a payment processing fee. There is no order repurchase amount. When this plan is selected, the receipt of payment will not trigger the accumulation of the total order repurchase amount.
[0049] After a merchant successfully selects a merchant, the server will record the selected option.
[0050] The aforementioned marketing fee rate is determined through negotiation between the system operator and the merchant, the payment processing fee is determined by the payment channel of the third-party payment company connected to the system, and the percentage of the order repurchase amount is set by the system operator.
[0051] After a merchant successfully activates the QR code, repurchase fund account, and payment collection account, the QR code becomes unique and supports QR code payment. Merchants can download, print, and display it in their store for payment collection. Alternatively, they can use the online store to directly collect payments by displaying the QR code at checkout.
[0052] Based on the merchant's chosen options A1 and A3, when a customer scans a code to pay, the payment amount is multiplied by the marketing fee rate (in this example, the minimum marketing fee rate of 5%), and after deducting a 0.6% transaction fee, 70% of the remaining marketing fee amount will be accumulated as order repurchase amount into the virtual wallet to be released (i.e., the repurchase fund account). The specific accumulation algorithm is as follows:
[0053] B1. When the payment amount is between 0.01 and 0.28, the repurchase amount for this order is counted as 0.
[0054] For example, if a customer pays 0.1 yuan, the repurchase amount for that order is counted as 0.
[0055] B2. When the payment amount is greater than 0.28, the order repurchase amount = payment amount * 5% * (1 - 0.6%) * 70%. The calculated order repurchase amount is rounded and included in the cumulative order repurchase amount. The minimum order repurchase amount is 0.01.
[0056] For example, if a customer pays 3 yuan, the total amount is 3 * 5% * (1 - 0.6%) * 70% = 0.104. Since the minimum repurchase amount for an order is 0.01, 0.104 is rounded up to 0.1, and the repurchase amount for this order is 0.1 yuan.
[0057] B3. After each payment is received, the current order repurchase cumulative amount is the sum of the previous latest order repurchase cumulative amount and the current order repurchase amount;
[0058] For example, after a merchant activates the QR code for receiving payments, 100 payments have been received. The cumulative repurchase amount of the order after the 100th payment is 50 yuan. When the 101st payment is 10 yuan, the repurchase amount of the order after the 101st payment is 10 * 5% * (1 - 0.6%) * 70% = 0.35 yuan. The cumulative repurchase amount of the current order is 50 + 0.35 = 50.35 yuan.
[0059] Each time a customer successfully pays, the order repurchase amount is accumulated according to the above algorithm.
[0060] When the accumulated amount of order repurchases is greater than or equal to the trigger value and a user places a sell order, and the lowest price of the current sell order is equal to or less than the current real-time price of the points coupon, the order repurchase mechanism is automatically triggered. The specific algorithm for triggering this mechanism is as follows:
[0061] C1. If the current real-time price of the points voucher (the price after the real-time transaction) is 1 yuan, and the user's selling price is also 1 yuan, with a selling quantity of 1, and the total accumulated amount of the current system order repurchase in the wallet is 1 yuan, the system will directly repurchase the order at a price of 1 yuan using the order repurchase amount. The user will receive 1 yuan in cash, and the system will repurchase 1 points voucher.
[0062] C2. If the current real-time price of the points coupon is 1 yuan, and the user lists the selling price on the blockchain points trading system at 1.1 yuan with a selling quantity of 1, the order will be in a pending state because the selling order price is higher than the current real-time price of the points coupon.
[0063] C3. If the current real-time price of the points coupon is 1 yuan, the user's selling price is 0.9 yuan, the selling quantity is 1, and the total accumulated amount of the current system order repurchase in the wallet is 1 yuan, since the selling order price is lower than the current real-time price of the points coupon, the system will directly repurchase the order at a price of 0.9 yuan, the user will receive 0.9 yuan in cash, and the system will repurchase 1 points coupon.
[0064] C4. If the current fixed price of the points coupon (a price determined by the system that will not change) is 1 yuan, and the user's selling price is 1 yuan with a selling quantity of 1, and the total accumulated amount of the current system order repurchase in the wallet is 0.5 yuan, the system will directly repurchase the order at a price of 1 yuan. The user will receive 0.5 yuan in cash, and the system will repurchase 0.5 points coupons. The remaining order quantity will be repurchased as a percentage of the discount portion of the next consumption order. If the order quantity cannot be completely repurchased in one transaction, it will continue to be repurchased as a percentage of the discount portion of the next consumption order until the entire selling order is repurchased.
[0065] The system calculates the trigger value of the order repurchase mechanism, the amount of the system's sell orders, and the number of sell orders, stores them in the server-side database, and displays the current buy and sell order status on the system's user end.
[0066] This blockchain-based points trading method offers discounts to merchants on each order and employs an order buyback mechanism. When someone places a sell order, the system automatically buys it at the lowest price listed on the order, as long as there is a transaction. If one order cannot completely absorb the sell order, multiple transactions will be made to absorb it until the sell order is fully absorbed before moving on to the next order. If there are no sell orders, the order buyback system automatically accumulates buyback amounts as long as there is a transaction. Once a sell order appears, the system will activate the automatic buyback mechanism to continue absorbing the sell order at the current real-time price. The order buyback mechanism does not affect the logic of active buying and selling orders; users can also trade through active purchasing. This solves the drawbacks of purely active buying on trading platforms, adds passive buying through consumer orders, and combines the supply chains of physical merchants and online malls, effectively stimulating domestic demand, promoting consumption, and providing users with additional benefits.
[0067] A blockchain points trading system employing the above-mentioned blockchain points trading method includes:
[0068] The QR code generation unit is used to generate a unique QR code for each merchant and generate a corresponding payment account and repurchase fund account;
[0069] The settings unit is used to set the relationship between the payment amount and the repurchase amount ratio, as well as the relationship between the payment amount and the points conversion.
[0070] The collection unit is used to receive and execute payment transactions sent by users and transfer the repurchase funds included in the payment to the repurchase fund account according to the payment amount and the repurchase fund ratio. The remaining amount after deducting the repurchase funds from the payment is transferred to the collection account.
[0071] The points unit is used to generate corresponding points based on the payment amount and the points conversion relationship after each successful payment transaction, and then transfer the points to the user's account;
[0072] The redemption unit is used to receive users' points redemption requests;
[0073] The trigger unit is used to trigger a transaction when the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value.
[0074] The trading unit is used to repurchase all points with a redemption price less than or equal to the pricing price using repurchase funds after a transaction is triggered, until the repurchase funds are exhausted or all eligible points are fully repurchased.
[0075] The display unit is used to display the trigger value and points redemption request.
[0076] The database is used to store and record information in the repurchase fund account, the receiving account, and the user account.
[0077] A computer device includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the steps of the aforementioned blockchain points transaction method. The computer device can be a desktop computer, laptop, handheld computer, or cloud server, etc. The computer device can interact with the user via a keyboard, mouse, remote control, touchpad, or voice control device.
[0078] A computer-readable storage medium stores computer-readable instructions, which, when executed, implement the steps of the aforementioned blockchain points transaction method. The computer-readable storage medium includes flash memory, hard disk, multimedia card, card-type memory, random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic storage, magnetic disk, optical disk, etc.
[0079] This invention is not limited to the above-described optional embodiments. Anyone can derive other various forms of products under the guidance of this invention. However, regardless of any changes made in their shape or structure, any technical solution that falls within the scope of the claims of this invention shall be protected by this invention.
Claims
1. A blockchain points transaction method, characterized in that, Includes the following steps: Generate a unique QR code for the merchant and a corresponding repurchase fund account for the QR code; Receive and execute payment transactions sent by users and transfer the repurchase funds included in the payment to the repurchase fund account according to the payment amount and the repurchase fund ratio; Receive user's points redemption request, which includes the number of points and the redemption price. When the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value, the transaction is triggered. The repurchase funds are used to repurchase all points with an exchange price less than or equal to the pricing until the repurchase funds are exhausted or all eligible points are fully repurchased, and the transaction ends. After each successful payment transaction, points are generated based on the payment amount and the points conversion relationship, and the points are transferred to the user's account. The repurchase funds from a user's points transaction will be transferred to the user's account.
2. The blockchain points transaction method according to claim 1, characterized in that: A unique QR code is generated for each merchant, along with a corresponding payment account. The remaining amount after deducting the repurchase fee from the payment is transferred to the payment account.
3. The blockchain points transaction method according to claim 1, characterized in that: The payment transaction is obtained by the user after scanning the QR code.
4. The blockchain points transaction method according to claim 1, characterized in that: The pricing is either a real-time price or a fixed price.
5. A blockchain points trading system, employing the blockchain points trading method as described in any one of claims 1-4, characterized in that, include: The QR code generation unit is used to generate a unique QR code for each merchant and generate a corresponding payment account and repurchase fund account; The settings unit is used to set the relationship between the payment amount and the repurchase amount ratio, as well as the relationship between the payment amount and the points conversion. The collection unit is used to receive and execute payment transactions sent by users and transfer the repurchase funds included in the payment to the repurchase fund account according to the payment amount and the repurchase fund ratio. The remaining amount after deducting the repurchase funds from the payment is transferred to the collection account. The points unit is used to generate corresponding points based on the payment amount and the points conversion relationship after each successful payment transaction, and then transfer the points to the user's account; The redemption unit is used to receive users' points redemption requests; The trigger unit is used to trigger a transaction when the accumulated amount of repurchase funds in the repurchase fund account is greater than or equal to the trigger value. The trading unit is used to repurchase all points with a redemption price less than or equal to the pricing price using repurchase funds after a transaction is triggered, until the repurchase funds are exhausted or all eligible points are fully repurchased. The database is used to store and record information in the repurchase fund account, the receiving account, and the user account.
6. The blockchain points trading system according to claim 5, characterized in that, Also includes: The display unit is used to display the trigger value and points redemption request.
7. A computer device, characterized in that, It includes a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps of the blockchain points transaction method as described in any one of claims 1-4.
8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-readable instructions, which, when executed, implement the steps of the blockchain points transaction method as described in any one of claims 1-4.