A smart settlement management system for scanning code cards

Abstract

The present invention discloses a QR code scanning card intelligent settlement management system, which relates to the field of intelligent payment settlement management, including an agent management module, a merchant management module, a referral code management module, an order management module and a profit sharing management module, and integrates multiple functional modules such as agent management, merchant management, referral code management, order management and profit sharing management into one system, provides comprehensive business management support, and provides functions of querying and exporting data based on partial information, so that users can quickly find required information and perform necessary data processing, and ensure the accuracy and compliance of merchant registration and related information through the audit function, thereby enhancing the management efficiency and security of the system; it solves the problems of cumbersome agent information maintenance and merchant audit process and opaque order profit sharing calculation, and the present invention can provide merchants, agents and managers with comprehensive, fast, safe and high-quality QR code scanning card services and management experience.

Description

Technical Field

[0001] The present invention relates to the field of intelligent payment settlement management, and in particular to an intelligent settlement management system for scanning code cards. Background Art

[0002] With the rapid development of e-commerce, QR code payment has become an indispensable payment method in daily life. However, most existing QR code payment systems only focus on the convenience and security of payment itself, but ignore the complex relationship management between agents, merchants and consumers during the payment process, especially the management of agent information maintenance, merchant registration review, order profit sharing, etc.

[0003] At present, although the existing payment systems on the market have realized some of the agent and merchant management functions, there is still room for improvement in terms of information integrity, accuracy, real-time and ease of operation. There are still problems such as cumbersome agent information maintenance and merchant review processes, and opaque order profit calculation. The existing payment system lacks a comprehensive management platform that can comprehensively manage agents, merchants, orders, and profit sharing in a unified manner to improve operational efficiency and transparency.

[0004] Therefore, a smart settlement management system for scanning code cards is needed to solve the above problems. Summary of the invention

[0005] In view of the shortcomings of the prior art, the present invention discloses a QR code scanning card intelligent settlement management system, which can significantly improve the management efficiency of QR code scanning card agents and merchants and reduce operating costs; at the same time, through automated order profit sharing processing, it can reduce human errors and improve the accuracy and timeliness of profit sharing; it has a high degree of automation and intelligence.

[0006] The present invention adopts the following technical solutions:

[0007] A QR code scanning card intelligent settlement management system, the system comprising:

[0008] Agent management module, the agent management module establishes a new scan code card agent relationship by identifying and reviewing the entered agent information, and stores the reviewed agent information in the database to establish a merchant information identifier. Users query the matching registered agent information through the agent information identifier, and maintain the registered agent information. After the merchant activates the scan code card function, the agent relationship is attached to facilitate the binding and profit sharing of transaction orders. The agent information at least includes the agent name, contact information, province and city, rate and financial information;

[0009] Merchant management module, which generates a QR code link for scanning card by collecting merchant registration information and the binding relationship between agents and merchants, and audits agent binding relationship, merchant affiliation relationship, rate, financial information and batch through distributed lock, stores the merchant information that has passed the audit into the database to establish a merchant information identification, and users query the matching recommended code merchant information according to the merchant information identification, and edit and export the merchant information and agent and merchant relationship information, and the merchant information at least includes the merchant name and merchant number;

[0010] A referral code management module, which is used to generate referral codes and perform batch allocation and maintenance on the generated referral codes. The referral code management module includes a referral code maintenance unit, a referral code batch allocation unit, and a referral code allocation and maintenance unit;

[0011] Order management module: after the merchant conducts a transaction by scanning the QR code card, the order management module stores the transaction order information in the database to establish an order information identifier. The user queries the matching transaction order information according to the order information identifier, and exports the matching transaction order information after format conversion;

[0012] The profit sharing management module automatically calculates the order transaction profit sharing results between merchants and agents based on the scanned card transaction data and the adaptive comprehensive allocation model, and stores the order profit sharing information in the database to establish a profit sharing information identifier. Users query the matching order profit sharing information based on the profit sharing information identifier, and export the matching order profit sharing information after format conversion.

[0013] Furthermore, the agent management module includes an agent information adding unit, an agent information supplementing unit and a scanning card activation unit. The agent information adding unit receives the registration information submitted by the agent and verifies the integrity and validity of the input agent information. After the verification is passed, the input agent information is stored in the database, and an agent information identifier is established. The user retrieves and obtains a list of agent information that matches the identifier based on the agent information identifier. The agent information identifier at least includes the agent name and the province and city to which it belongs. The agent information supplementing unit receives the user's maintenance request for the agent information and verifies the user's identity authority. After the verification is passed, the agent information in the database is updated, and the rate and financial accounting method of the scanning card in different scenarios are set. The scanning card activation unit receives the application for activation of the scanning card submitted by the merchant and the agent relationship selected by the merchant, and performs qualification verification and credit evaluation of the merchant information. After the verification and evaluation are passed, the association between the merchant and the agent is established, and the merchant's transaction order information is recorded, and then the profit sharing is calculated based on the agent relationship.

[0014] Furthermore, the merchant management module includes a merchant registration unit, a merchant review unit, a merchant maintenance unit and a merchant export unit. When a merchant submits a registration application, the merchant registration unit collects the merchant registration information, financial information and usage requirements through the front-end form, and verifies the integrity and validity of the input merchant information. After the verification is passed, a QR code link is generated according to the merchant registration information, which is used for the card making process of the scan code card. After the merchant completes the information filling, the registration information is submitted to the review queue. The merchant review unit conducts agent binding relationship and merchant affiliation relationship review, rate review, financial information review, and batch review according to preset review rules. The merchant maintenance unit records the review time information, process information and result information through the database. After the review is passed, the input merchant information is stored in the database, and a merchant information identifier is established. The user retrieves the recommended code merchant information that matches the identifier according to the merchant information identifier, and edits the agent and merchant information. The merchant export unit converts the matching recommended code merchant information into a format and exports it.

[0015] Furthermore, the recommendation code maintenance unit automatically generates a recommendation code according to preset rules, and establishes a recommendation code information identifier by recording the usage information and allocation information of the recommendation code in a database. The user queries the matching recommendation code information according to the recommendation code information identifier, and exports and maintains the matching recommendation code information. After the recommendation code is generated, the recommendation code batch allocation unit automatically allocates the recommendation code to the merchant or agent according to the binding relationship between the agent and the merchant, and batch binds and unbinds the recommendation code with the agent and the merchant by setting the batch information of the recommendation code. The batch information includes at least the batch number, validity period, and associated products and services. The recommendation code allocation and maintenance unit uses the API application programming interface to query, check and modify the binding relationship of the batch card.

[0016] Furthermore, the agent management module adopts a fuzzy search engine to match agent information identification. The fuzzy search engine includes a keyword search method, a classification search method and a recommendation search method. The keyword search method inputs agent name, agent phone number, agent address and agent person in charge keywords as search conditions, and returns qualified agent information through fuzzy matching and ranking algorithms. The classification search method filters the agent list by selecting the province and city where the agent is located, the agent level and the agent service type conditions, and sorts and compares them according to the rate standard. The recommendation search method scores the matching degree of agent information according to the user's historical search records, agent evaluations and transaction record information, and sorts and recommends according to the comprehensive scoring standards.

[0017] Furthermore, the distributed lock coordinates the review order of merchant information by multiple users through concurrent control, and adopts a distributed lock manager to coordinate the lock operation and lock status update between multiple user nodes. When multiple users review the agent binding relationship and merchant affiliation relationship, rates, financial information, and batches, the merchant management module controls the concurrent access and modification operations of the information to be reviewed by locking the information to be reviewed. The distributed lock manager avoids repeated review operations on the information to be reviewed by broadcasting the message that the lock of the information to be reviewed is occupied, and automatically controls the release when the lock expires to prevent abuse of the lock and waste of resources.

[0018] Furthermore, the adaptive comprehensive allocation model calculates the profit sharing amount of merchants and agents according to the order amount, agent fee rate and merchant grade factors, and adjusts the profit sharing rules and proportion parameters in real time according to the actual transaction situation and historical data. The order amount, agent fee rate and merchant grade factor of the i-th transaction order are O i , R i and G i , the calculation formula for the agent's commission amount and the merchant's commission amount for the i-th transaction order is:

[0019]

[0020] In formula (1), D i represents the commission amount of the agent for the i-th transaction order, M i represents the profit sharing amount of the merchant for the i-th transaction order, P b Indicates the rate charged by the platform, It is a factor that is dynamically adjusted according to real-time trading conditions and historical data. It is used to adjust the profit sharing rules and proportion parameters in real time according to changes in trading data. δ represents the adjustment parameter. Represents the merchant level adjustment item, which is used to adjust the profit sharing rules and ratio parameters according to the merchant level.

[0021] Furthermore, the database uses a cloud database to store the settlement process information of the QR code card, and binds the process data information to the QR code card through the API application programming interface to realize the intelligent management of the QR code card. The cloud database adds, modifies, deletes and queries the stored information through the input and output interface, and uses an identity authentication protocol to verify the identity of the accessing user.

[0022] The beneficial effects of the present invention are:

[0023] 1. The present invention realizes comprehensive coverage of QR code scanning card business management through the synergy of the agent management module, merchant management module, referral code management module, order management module and profit sharing management module, greatly improving management efficiency and quality.

[0024] 2. The present invention realizes the rapid processing and query of merchant registration and transaction information through the functional support of the merchant management module and the order management module, thereby optimizing the merchant's usage experience and service experience, and adopts distributed lock technology to realize the rapid review, processing and query of agents, merchants and transaction orders, thereby reducing management costs and management risks, and improving management efficiency and management quality.

[0025] 3. The present invention realizes the automatic calculation and optimization of the order transaction profit sharing of merchants and agents through the adaptive comprehensive allocation model of the profit sharing management module. While improving the profit sharing efficiency, it also realizes the dynamic adjustment and optimization of the profit sharing rules and proportion parameters, so as to better meet the needs and interests of merchants and agents. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1 It is a schematic diagram of the overall system architecture of the present invention;

[0027] Figure 2 This is a schematic diagram of the architecture of the agent management module in the present invention;

[0028] Figure 3 This is a schematic diagram of the architecture of the merchant management module in the present invention;

[0029] Figure 4 This is a schematic diagram of the architecture of the recommendation code management module in the present invention;

[0030] Figure 5 It is a schematic diagram of the architecture of the fuzzy search engine of the present invention. DETAILED DESCRIPTION

[0031] The following will be combined with the attached embodiment of the present invention Figure 1 To Attachment Figure 5 , the technical solutions in the embodiments of the present invention are clearly and completely described. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0032] The embodiment of the present invention discloses a QR code card intelligent settlement management system, which realizes a fast and convenient settlement process by integrating QR code card technology, and provides comprehensive merchant and agent management functions to ensure the authenticity and security of transactions. The system integrates multiple modules such as QR code card management, merchant management, order management, and profit sharing management to form a complete intelligent settlement solution. The system includes:

[0033] The agent management module allows system administrators or authorized users to add agent information, including basic information such as agent name, province and city, contact information, etc., and establish a relationship between the agent and the system, laying the foundation for subsequent technical support and rate setting. Support the maintenance of existing agent information, including updating basic information, setting QR code card rates for different consumption scenarios, specifying financial account entries, etc., to meet the personalized needs of agents. Enable the QR code card function for qualified merchants and register them under the name of the corresponding agent. This process includes binding order information, setting profit sharing rules, etc., to ensure the transparency and fairness of the transaction process. At the same time, it provides functions such as query, modification (non-sensitive information), logical deletion, review, synchronization and channel selection of merchant information.

[0034] The merchant management module supports the scanning card agent to guide the merchant to register basic information, including filling in the merchant information, applying for the scanning card function, etc. The system background automatically generates a QR code link for card making to ensure that each scanning card is uniquely matched to the merchant information. After the agent submits the merchant registration information, the system provides an audit function to conduct a comprehensive audit of the merchant's qualifications, rates, financial information, etc. to ensure the merchant's legality and compliance. It supports operations such as editing, querying (quickly locating based on partial information), and exporting merchant information to facilitate agents to conduct daily management and maintenance of merchants. Including the allocation, query, export and batch management of referral codes. The system supports batch allocation of referral codes to agents, and allows agents to track and maintain the use of referral codes to promote the promotion and expansion of merchants.

[0035] The order management module provides a query function for merchant order transactions by scanning QR code cards, supports quick search of order details based on partial information, and exports order data for further analysis or reimbursement.

[0036] The profit sharing management module is based on the scanned card transaction order. The system automatically calculates and manages the profit sharing relationship between merchants and agents. It supports functions such as searching for profit sharing information based on partial information and exporting order profit sharing data to ensure the accuracy and timeliness of profit sharing.

[0037] The QR code card intelligent settlement management system provides an efficient and convenient settlement solution for restaurants and the catering industry by integrating core modules such as QR code card management, merchant management, order management, and profit sharing management. The system not only simplifies the settlement process and improves cashier efficiency, but also strengthens the cooperation and supervision between merchants and agents, and promotes the healthy development of the catering industry.

[0038] First, maintain the agent information and relationship to ensure that there is enough agent network to support the registration and service of merchants. The agent management module includes the agent information addition unit, agent information supplement unit and scan code card activation unit. The administrator can add agent information in the agent management module, including agent name, contact person, contact information and province and city. The administrator can establish a scan code card agent relationship in the agent management module and affiliation between merchants and agents to facilitate subsequent transaction management and profit sharing settlement. The administrator can maintain the agent's technical information in the agent management module, including technical parameters and interface documents required to activate the scan code card function. The administrator can query the qualified agent information according to the agent name, province and city, etc., so as to select the appropriate agent for merchant affiliation. The administrator can maintain and supplement the agent's information, rate and financial information in the agent management module to ensure the smooth progress of the agent's business transactions. Merchants can activate the QR code card function in the QR code card management module and select their own agents to affiliate with. They also need to set the rates for different QR code card scenarios and specify financial accounts.

[0039] Merchants apply to agents for the scan code card function. After the agent's review is passed, the corresponding QR code link is generated for card making and use. The merchant management module includes merchant registration unit, merchant review unit, merchant maintenance unit and merchant export unit. Merchants can register in the merchant management module, fill in basic information, including merchant name, contact person, contact information and business scope, and apply for the scan code card function. After the administrator passes, a QR code link is generated for scanning and card making. Agents can conduct merchant review in the merchant management module to confirm whether the binding relationship between merchants and agents is legal and valid, check whether merchants meet the platform's requirements for affiliation, such as industry restrictions, geographical restrictions, etc., determine reasonable fee rates based on factors such as merchant type and transaction volume, and verify whether the bank account information provided by merchants is true and valid to ensure that there will be no problems with the merchant's use and settlement. Agents can search for merchant information in the merchant management module based on some information such as merchant name, contact person and contact information, and edit and maintain merchant information. Agents can search for merchant information based on partial information in the merchant management module and export merchant information to facilitate subsequent management and analysis.

[0040] In short, the merchant management module has complete merchant registration, review, maintenance and export functions, which can support agents in comprehensive management and service of merchants and realize the healthy development of QR code card business.

[0041] The implementation steps of the recommendation code maintenance unit for searching the recommendation code information based on partial information are as follows: a. Enter the recommendation code maintenance module and select the search function; b. Enter partial information of the merchant, such as merchant name, number, etc., in the input box for searching merchants; c. Click to execute the search operation; d. The system searches based on the input information and returns a list of matching recommendation code information.

[0042] Steps to export referral codes: a. Enter the referral code maintenance module and select the export function; b. Select the range of referral codes to be exported, such as all referral codes, referral codes within a specified time period, etc.; c. Click to execute the export operation; d. The system exports the referral code information to Excel or other data formats.

[0043] The implementation steps for assigning referral codes are: a. When a merchant completes registration, an unused referral code is automatically assigned in the system and bound to the merchant; b. In the referral code maintenance module, agents can view the merchant's referral code information and modify related information, such as referral code status, merchant binding status, etc.

[0044] The agent management module uses a fuzzy search engine to match agent information identification. The specific implementation steps are as follows: 1. Keyword search method: Users can enter keywords such as agent name, agent phone number, agent address and agent person in charge as search conditions. The system uses a fuzzy matching algorithm to return agent information that meets the conditions and rank and compare them according to the degree of match. 2. Classification search method: Users can filter the agent list by selecting the province and city where the agent is located, agent level and agent service type. The system will sort and compare according to the rate standard and return a list of agents that meet the conditions. 3. Recommended search method: The system will score the matching degree of agent information based on the user's historical search records, agent evaluations and transaction record information, and comprehensively consider multiple factors to sort and recommend agent information to improve the accuracy and efficiency of users finding suitable agents.

[0045] In summary, the agent management module uses multiple methods to match agent information identifiers, and can provide accurate and fast search results according to different search requirements, making it easier for users to find suitable agents. At the same time, the recommended search method can comprehensively consider multiple factors of users and agents, provide more accurate and personalized recommendation services, and improve user satisfaction and user experience.

[0046] The merchant information review module uses distributed locks for concurrent control to coordinate the review order of merchant information by multiple users, achieve accuracy and consistency of information, and prevent waste of resources. The specific implementation is as follows:

[0047] 1. Implementation of distributed locks: The merchant management module uses distributed locks for concurrent control. When multiple user nodes review merchant information, the information to be reviewed is locked to avoid data errors and conflicts caused by concurrent access and modification operations. The distributed lock manager coordinates the lock operations and lock status updates between multiple user nodes to ensure the validity and uniqueness of the lock.

[0048] 2. Locking mechanism: The merchant management module provides an interface for locking the information to be reviewed. Before the user node reviews the information to be reviewed, the interface must be called to perform a locking operation to prevent other user nodes from accessing and modifying the information to be reviewed at the same time, ensuring the accuracy and consistency of the review order.

[0049] 3. Lock release: The merchant management module sets the lock expiration time, and automatically controls the release when the lock expires to prevent lock abuse and waste of resources. At the same time, the distributed lock manager broadcasts the message that the lock of the information to be reviewed is occupied to avoid repeated review operations on the information to be reviewed, and maintain the consistency and effectiveness of the lock.

[0050] To sum up, the merchant information review module uses distributed locks for concurrency control to ensure the accuracy and consistency of information review operations between multiple user nodes, avoid repeated review and conflicts of information, improve the efficiency and quality of information review, and protect the normal operation of business processes.

[0051] The adaptive comprehensive allocation model mainly calculates the profit sharing amount of merchants and agents based on the order amount, agent fee rate and merchant level factors, and adjusts the profit sharing rules and proportion parameters in real time according to the actual transaction situation and historical data. The specific implementation of the model is as follows:

[0052] 1. Profit calculation formula: In order to calculate the profit sharing amount of merchants and agents based on the order amount, agent fee rate and merchant level factors, the following formula is used:

[0053]

[0054] In formula (1), D i represents the commission amount of the agent for the i-th transaction order, M i represents the profit sharing amount of the merchant for the i-th transaction order, P b Indicates the rate charged by the platform, It is a factor that is dynamically adjusted according to real-time trading conditions and historical data. It is used to adjust the profit sharing rules and proportion parameters in real time according to changes in trading data. δ represents the adjustment parameter. Represents the merchant level adjustment item, which is used to adjust the profit sharing rules and ratio parameters according to the merchant level.

[0055] 2. Adjustment of profit-sharing rules: During the implementation process, the system will make real-time adjustments to the profit-sharing rules and ratio parameters based on the actual transaction situation and historical data. The specific method is that the system will count and analyze the profit-sharing rules and ratio parameters based on the real-time transaction situation and historical data, and then compare and screen through algorithms to finally determine the profit-sharing rules and ratio parameters. For example, when the transaction volume is large, the system will make adjustments based on the real-time transaction situation, increase the profit-sharing ratio of agents and merchants, and encourage more customers to trade; when the transaction volume is small, the system will make adjustments based on historical data and increase the fee rate charged by the platform to ensure the stability of the platform's income.

[0056] 3. Merchant level adjustment: In order to adjust the profit sharing rules and ratio parameters according to the merchant level, the system will first classify the merchants according to their level, and then make different profit sharing rules and ratio parameter adjustments according to merchants of different levels. For example, high-level merchants can get higher profit sharing ratios and more favorable handling fee rates, while low-level merchants can only get ordinary profit sharing ratios and handling fee rates.

[0057] To summarize, the adaptive comprehensive allocation model mainly uses order amount, agent rate and merchant level factors to calculate the commission amount of merchants and agents, and makes real-time adjustments to the commission rules and proportion parameters based on actual transaction conditions and historical data to improve commission efficiency and ensure stable profits.

[0058] An online payment platform is simulated, which contains 3 transaction order data. The order amount, agent fee rate and merchant level factors of each order are shown in Table 1 below:

[0059] Table 1 Statistics

[0060] Order Number Order amount (yuan) Agent Rates Merchant Level 1 100 0.2 advanced 2 200 0.1 intermediate 3 300 0.3 Low Level

[0061] According to formula (1), we can calculate the agent's commission and merchant's commission for each order. The specific calculation results are shown in Table 2 below:

[0062] Table 2 Results Statistics

[0063]

[0064] When transaction data changes, the system will dynamically adjust the profit sharing rules and ratio parameters based on real-time transaction conditions and historical data. To simulate this process, we can assume that the platform charges a fee of 0.2, the adjustment parameter is 0.1, and the merchant level adjustment item is 0.05. Then, we can use formula (1) to recalculate the agent profit sharing amount and merchant profit sharing amount for each order, as shown in Table 3 below:

[0065] Table 3 Results Statistics

[0066]

[0067]

[0068] It can be seen that when the platform's fee rates, adjustment parameters, and merchant level adjustment items change, the agent's profit sharing amount and the merchant's profit sharing amount also change. The system can make dynamic adjustments based on real-time transaction conditions and historical data. Using this model, we can effectively improve the profit sharing efficiency and income stability of the trading platform.

[0069] The database uses a cloud database to store the settlement process information of the QR code card, and binds the process data information to the QR code card through the API application programming interface to realize the intelligent management of the QR code card. The cloud database adds, modifies, deletes and queries the stored information through the input and output interface, and uses the identity authentication protocol to verify the identity of the accessing user.

[0070] In order to realize the storage and intelligent management of the information of the QR code card settlement process, the following specific implementation steps are adopted:

[0071] 1. Choose a reliable cloud database provider and create a database instance on its platform. We can choose instances of different specifications according to our needs, including parameters such as storage space size, QPS (query rate per second), and maximum number of connections.

[0072] 2. For the QR code card settlement process, we can divide its information into two categories for storage. One is static information, including the QR code card number, user information, and card balance. This information generally does not need to be modified frequently and can be stored in the main table. The other is dynamic information, including the amount, time, and store of each consumption. This information needs to be updated and queried in real time, and can be stored in a subtable, which is associated with the main table through the QR code card number.

[0073] 3. Through the API application programming interface, develop the corresponding interface service to realize the binding of the scanning card process data information with the scanning card, and realize the operations of adding, modifying, deleting and querying data through the interface service.

[0074] 4. During the development of API interface services, it is necessary to verify the identity of the accessing user to ensure that only authorized users can perform operations. Use identity authentication protocols such as OAuth 2.0 or JWT to perform identity authentication in the API interface.

[0075] 5. During the data transmission process between the API interface and the cloud database, public network encryption transmission is required to enhance the security of the data transmission process. Encryption protocols such as TLS / SSL can be used to ensure the encryption security of data transmission.

[0076] Through the above implementation steps, we can achieve the proper storage of the information of the scanned card settlement process and intelligently manage it through the API application programming interface. At the same time, verifying the identity of the accessing user and adopting the encrypted transmission protocol can improve data security and user experience.

[0077] So far, the technical solutions of the present invention have been described in conjunction with the preferred embodiments shown in the accompanying drawings. However, it is easy for those skilled in the art to understand that the protection scope of the present invention is obviously not limited to these specific embodiments. Without departing from the principle of the present invention, those skilled in the art can make equivalent changes or substitutions to the relevant technical features, and the technical solutions after these changes or substitutions will fall within the protection scope of the present invention.

Claims

1. A smart settlement management system for scanning code cards, characterized in that: The system comprises: Agent management module, the agent management module establishes a new scan code card agent relationship by identifying and reviewing the entered agent information, and stores the reviewed agent information in the database to establish a merchant information identifier. Users query the matching registered agent information through the agent information identifier, and maintain the registered agent information. After the merchant activates the scan code card function, the agent relationship is attached to facilitate the binding and profit sharing of transaction orders. The agent information at least includes the agent name, contact information, province and city, rate and financial information; Merchant management module, which generates a QR code link for scanning card by collecting merchant registration information and the binding relationship between agents and merchants, and audits agent binding relationship, merchant affiliation relationship, rate, financial information and batch through distributed lock, stores the merchant information that has passed the audit into the database to establish a merchant information identification, and users query the matching recommended code merchant information according to the merchant information identification, and edit and export the merchant information and agent and merchant relationship information, and the merchant information at least includes the merchant name and merchant number; A referral code management module, which is used to generate referral codes and perform batch allocation and maintenance on the generated referral codes. The referral code management module includes a referral code maintenance unit, a referral code batch allocation unit, and a referral code allocation and maintenance unit; Order management module: after the merchant conducts a transaction by scanning the QR code card, the order management module stores the transaction order information in the database to establish an order information identifier. The user queries the matching transaction order information according to the order information identifier, and exports the matching transaction order information after format conversion; A profit sharing management module, which automatically calculates the order transaction profit sharing results between merchants and agents based on the scanned card transaction data and the adaptive comprehensive allocation model, and stores the order profit sharing information in the database to establish a profit sharing information identifier. Users query the matching order profit sharing information based on the profit sharing information identifier, and export the matching order profit sharing information after format conversion; The adaptive comprehensive allocation model calculates the profit sharing amount of merchants and agents based on the order amount, agent fee rate and merchant grade factors, and adjusts the profit sharing rules and proportion parameters in real time according to the actual transaction situation and historical data. The order amount, agent fee rate and merchant grade factors of the i-th transaction order are , and , the calculation formula for the agent's commission amount and the merchant's commission amount for the i-th transaction order is: （1） In formula (1), represents the commission amount of the agent for the i-th transaction order, Indicates the merchant's profit sharing amount for the i-th transaction order, Indicates the rate charged by the platform, It is a factor that is dynamically adjusted based on real-time trading conditions and historical data. It is used to adjust profit sharing rules and ratio parameters in real time according to changes in trading data. represents the adjustment parameters, Represents the merchant level adjustment item, which is used to adjust the profit sharing rules and ratio parameters according to the merchant level.

2. According to claim 1, the intelligent settlement management system for scanning code cards is characterized in that: The agent management module includes an agent information adding unit, an agent information supplementing unit and a scanning card activation unit. The agent information adding unit receives the registration information submitted by the agent and verifies the integrity and validity of the input agent information. After the verification is passed, the input agent information is stored in the database and an agent information identifier is established. The user retrieves and obtains a list of agent information matching the identifier according to the agent information identifier. The agent information identifier at least includes the agent name and the province and city to which it belongs. The agent information supplementing unit receives the user's maintenance request for the agent information and verifies the user's identity authority. After the verification is passed, the agent information in the database is updated, and the rate and financial accounting method of the scanning card in different scenarios are set. The scanning card activation unit receives the application for activation of the scanning card submitted by the merchant and the agent relationship selected by the merchant, and performs qualification verification and credit evaluation of the merchant information. After the verification and evaluation are passed, the relationship between the merchant and the agent is established, and the merchant's transaction order information is recorded, and then the profit sharing is calculated according to the agent relationship.

3. According to claim 1, the intelligent settlement management system for scanning code cards is characterized in that: The merchant management module includes a merchant registration unit, a merchant review unit, a merchant maintenance unit and a merchant export unit. When a merchant submits a registration application, the merchant registration unit collects the merchant registration information, financial information and usage requirements through the front-end form, and verifies the integrity and validity of the input merchant information. After the verification is passed, a QR code link is generated according to the merchant registration information for the card making process of the scan code card. After the merchant completes the information filling, the registration information is submitted to the review queue. The merchant review unit conducts agent binding relationship and merchant affiliation relationship review, rate review, financial information review, and batch review according to preset review rules. The merchant maintenance unit records the time information, process information and result information of the review through the database. After the review is passed, the input merchant information is stored in the database, and a merchant information identifier is established. The user retrieves the recommended code merchant information that matches the identifier according to the merchant information identifier, and edits the agent and merchant information. The merchant export unit converts the format of the matched recommended code merchant information and exports it.

4. According to claim 1, the intelligent settlement management system for scanning code cards is characterized in that: The recommendation code maintenance unit automatically generates a recommendation code according to preset rules, and establishes a recommendation code information identifier by recording the usage information and allocation information of the recommendation code in a database. The user queries the matching recommendation code information according to the recommendation code information identifier, and exports and maintains the matching recommendation code information. After the recommendation code is generated, the recommendation code batch allocation unit automatically allocates the recommendation code to the merchant or agent according to the binding relationship between the agent and the merchant, and batch binds and unbinds the recommendation code with the agent and the merchant by setting the batch information of the recommendation code. The batch information includes at least the batch number, validity period, and associated products and services. The recommendation code allocation and maintenance unit uses the API application programming interface to query, check and modify the binding relationship of the batch card.

5. According to claim 1, the intelligent settlement management system for scanning code cards is characterized in that: The agent management module adopts a fuzzy search engine to match agent information identification. The fuzzy search engine includes a keyword search method, a classification search method and a recommendation search method. The keyword search method inputs the agent name, agent phone number, agent address and agent person in charge keywords as search conditions, and returns the agent information that meets the conditions through fuzzy matching and ranking algorithms. The classification search method filters the agent list by selecting the province and city where the agent is located, the agent level and the agent service type conditions, and sorts and compares them according to the rate standard. The recommendation search method scores the matching degree of the agent information according to the user's historical search records, agent evaluations and transaction record information, and sorts and recommends them according to the comprehensive scoring standards.

6. The intelligent settlement management system for scanning code cards according to claim 1, characterized in that: The distributed lock coordinates the review order of merchant information by multiple users through concurrent control, and adopts a distributed lock manager to coordinate the lock operation and lock status update between multiple user nodes. When multiple users review the agent binding relationship and merchant affiliation relationship, rates, financial information, and batches, the merchant management module controls the concurrent access and modification operations of the information to be reviewed by locking the information to be reviewed. The distributed lock manager avoids repeated review operations on the information to be reviewed by broadcasting the message that the lock of the information to be reviewed is occupied, and automatically controls the release when the lock expires to prevent abuse of the lock and waste of resources.

7. A smart settlement management system for scanning code cards according to any one of claims 1 to 6, characterized in that: The database uses a cloud database to store the settlement process information of the code scanning card, and binds the process data information to the code scanning card through the API application programming interface to realize the intelligent management of the code scanning card. The cloud database adds, modifies, deletes and queries the stored information through the input and output interface, and uses the identity authentication protocol to verify the identity of the accessing user.

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