Consumption incentive fund issuing method and system

Abstract

The invention provides a consumption incentive fund issuing method and system. The method comprises the following steps: obtaining consumption incentive fund; respectively storing the consumption incentive money into a first incentive money account, a second incentive money account and a third incentive money account in proportion; when the user has a consumption transaction, automatically triggering to issue instant consumption incentive money to the user from the first incentive money account; then automatically triggering to issue platform reward incentive money to the user from the second incentive money account, wherein the issuing mode is the same as that of the current consumption incentive money; and if the instant consumption incentive gold and the platform reward incentive gold are greater than or equal to the reward feedback threshold, issuing 80% of the instant consumption incentive gold and the platform reward incentive gold to the user, storing the remaining 20% of the instant consumption incentive gold and the platform reward incentive gold into a fourth incentive gold account, and performing reward feedback. The system integrates the Internet of Things and the block chain technology, realizes the construction of a'consumption-incentive-reward 'closed loop, and realizes the technical effects of full-scene consumption incentive and precise marketing through the collaborative operation of the consumption code, the active code and the implant code.

Description

Technical Field

[0001] The present invention relates to the field of e-commerce technology, and in particular to a method and system for distributing consumer incentive funds. Background Art

[0002] At present, high-frequency consumption scenarios such as supermarket shopping rely too much on points, while low-frequency scenarios such as express delivery and high-speed rail tickets lack effective incentives and have low user participation. The bonus pool used to stimulate consumption is managed by the platform and its flow cannot be traced, which can easily lead to user credit crises. In addition, consumption data across merchants cannot be interoperable, making it difficult for merchants to achieve precision marketing, such as targeted promotions to female users within a 3-kilometer radius.

[0003] However, in the process of implementing the technical solutions in the embodiments of the present application, the inventors of the present application discovered that the above-mentioned prior art has at least the following technical problems:

[0004] The consumption incentive distribution system in existing technologies has technical problems such as insufficient scenario coverage, opaque fund allocation, and data silos. Summary of the Invention

[0005] The present invention provides a method and system for distributing consumer incentives, addressing the technical challenges of existing consumer incentive systems, including insufficient scenario coverage, opaque fund allocation, and data silos. The system integrates Internet of Things (IoT) and blockchain technologies to create a closed-loop "consumption-incentive-reward" system. Through the coordinated operation of consumption codes, activity codes, and embedded codes, it achieves the technical benefits of full-scenario consumer incentives and precision marketing.

[0006] In view of the above problems, an embodiment of the present application is proposed to provide a method and system for issuing consumption incentive funds.

[0007] In the first aspect, the present invention provides a method for issuing consumption incentive funds, the method comprising: obtaining consumption incentive funds; depositing the consumption incentive funds into a first incentive fund account, a second incentive fund account and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds; when a user makes a consumption transaction, it is automatically triggered to issue an immediate consumption incentive fund to the user from the first incentive fund account; after the immediate consumption incentive fund is issued, it is automatically triggered to issue a platform reward incentive fund to the user from the second incentive fund account, and the issuance method of the platform reward incentive fund is the same as the issuance method of the immediate consumption incentive fund; wherein, the immediate consumption The amount of the incentive money and the platform reward incentive money issued includes a fixed amount and a random amount, wherein the fixed amount accounts for 30%-35% of the amount of the immediate consumption incentive money and the platform reward incentive money issued and is evenly distributed among all participating users, and the random amount accounts for 65%-70% of the amount of the immediate consumption incentive money and the platform reward incentive money issued and is randomly distributed among all participating users; obtain a reward feedback threshold; determine whether the immediate consumption incentive money and the platform reward incentive money are greater than or equal to the reward feedback threshold; if the immediate consumption incentive money and the platform reward incentive money are greater than or equal to the reward feedback threshold, issue 80% of the immediate consumption incentive money and the platform reward incentive money to the user, and the remaining 20% is deposited into a fourth incentive money account; use the fourth incentive money account to perform reward feedback.

[0008] Preferably, before obtaining the consumption incentive money, the following steps are included: the merchant enters the platform, deposits the consumption incentive money, and obtains the consumption incentive money issuance service; the scenario attribute of the merchant is determined; if the scenario attribute of the merchant is the first scenario, when the user conducts a consumption transaction, the consumption code and the activity code are synchronously generated by the multi-code generation engine; if the scenario attribute of the merchant is the second scenario, the product implantation code is synchronously generated by the multi-code generation engine; the user receives the consumption incentive money by scanning the consumption code, the activity code and the implantation code.

[0009] Preferably, when a user makes a consumption transaction, the immediate consumption incentive is automatically triggered to be issued to the user from the first incentive account, including: obtaining a consumption incentive issuance threshold; obtaining the user's cumulative consumption amount when the user's immediate single consumption amount is not less than the consumption incentive issuance threshold; obtaining the user's cumulative consumption incentive issuance amount, wherein the cumulative consumption incentive issuance amount is the cumulative consumption amount divided by the consumption incentive issuance threshold, rounded up, and then multiplied by the consumption incentive issuance threshold; calculating the number of immediate consumption incentive issuances based on the cumulative consumption amount and the cumulative consumption incentive issuance amount, wherein the calculation formula for the number of immediate consumption incentive issuances is the difference between the cumulative consumption amount and the cumulative consumption incentive issuance amount divided by the consumption incentive issuance threshold, and then rounded up; according to the number of immediate consumption incentive issuances, issuing the corresponding number of immediate consumption incentives to the user from the first incentive account.

[0010] Preferably, the consumption incentive money is deposited into the first incentive money account, the second incentive money account and the third incentive money account in proportion, including: the amount deposited into the first incentive money account is the first proportion of the consumption incentive money, wherein the numerical range of the first proportion is 20% to 40%; the amount deposited into the second incentive money account is the second proportion of the consumption incentive money, wherein the numerical range of the second proportion is 20% to 40%; the amount deposited into the third incentive money account is the third proportion of the consumption incentive money, wherein the numerical range of the third proportion is 20% to 40%.

[0011] Preferably, the use of the fourth incentive account to give rewards and feedback includes: giving priority to the consumption amounts of two merchants where the user has recently made consumption behaviors; calculating the consumption ratio of the two merchants based on the consumption amounts of the two merchants; and giving rewards and feedback of the fourth incentive to the two merchants based on the consumption ratio.

[0012] Preferably, the method further includes: real-time monitoring of the balance of the immediate lottery pool; obtaining a first threshold value, wherein the first threshold value is the value when the balance of the immediate lottery pool reaches the dynamically adjusted maximum prize amount; judging whether the balance of the immediate lottery pool is less than the first threshold value; if the balance of the immediate lottery pool is less than the first threshold value, adjusting the maximum prize amount of the immediate consumption incentive; obtaining the cost of a single immediate lottery based on the consumption incentive; judging whether the balance of the immediate lottery pool is less than 10 times the immediate lottery cost; if the balance of the immediate lottery pool is less than 10 times the immediate lottery cost, automatically reducing the maximum amount of the platform bonus to RMB 30,000; obtaining a first interval; judging whether the balance of the immediate lottery pool is in the first interval; if the balance of the immediate lottery pool is in the first interval, automatically reducing the maximum amount of the platform bonus to 1 / 10 of the balance of the immediate lottery pool.

[0013] Preferably, the method performs a SHA-256 hash operation on the entire process of the user's consumption transactions, lottery records, and consumption incentive fund distribution to generate an unalterable block link.

[0014] In a second aspect, the present invention provides a consumption incentive payment system, the consumption incentive payment system comprising:

[0015] a first obtaining unit, the first obtaining unit being used to obtain consumption incentive money;

[0016] A first storage unit, which is used to deposit the consumption incentive funds into a first incentive fund account, a second incentive fund account, and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds;

[0017] a first distributing unit, configured to automatically trigger the disbursement of immediate consumption incentive funds from the first incentive fund account to the user when the user makes a consumption transaction;

[0018] A second distributing unit, configured to automatically trigger the disbursement of platform reward incentive funds from the second incentive fund account to the user after the immediate consumption incentive funds are distributed, wherein the platform reward incentive funds are distributed in the same manner as the immediate consumption incentive funds;

[0019] The amounts of the immediate consumption incentive and the platform reward incentive include a fixed amount and a random amount. The fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users. The random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users.

[0020] A second obtaining unit, the second obtaining unit is used to obtain a reward feedback threshold;

[0021] A first judgment unit, configured to judge whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold;

[0022] A third distributing unit, configured to distribute 80% of the immediate consumption incentive and the platform reward incentive to the user if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, and deposit the remaining 20% into a fourth incentive account;

[0023] The first reward unit is used to use the fourth incentive account to provide reward feedback.

[0024] In the third aspect, the present invention also provides a consumption incentive fund distribution device, including a memory, a processor, and a computer program stored in the memory and runnable on the processor, characterized in that when the computer program is executed by the processor, the processor executes the steps of the aforementioned consumption incentive fund distribution method.

[0025] In a fourth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, characterized in that when the program is executed by a processor, it is used to implement the steps of the aforementioned method for issuing consumption incentive funds.

[0026] The above one or more technical solutions in the embodiments of the present application have at least one or more of the following technical effects:

[0027] An embodiment of the present invention provides a method and system for issuing consumption incentive funds, the method comprising: obtaining consumption incentive funds; depositing the consumption incentive funds into a first incentive fund account, a second incentive fund account and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds; when a user makes a consumption transaction, the immediate consumption incentive funds are automatically issued to the user from the first incentive fund account; after the immediate consumption incentive funds are issued, the platform reward incentive funds are automatically issued to the user from the second incentive fund account, and the issuance method of the platform reward incentive funds is the same as the issuance method of the immediate consumption incentive funds; wherein, the immediate consumption The amount of the consumption incentive and the platform reward incentive includes a fixed amount and a random amount, wherein the fixed amount accounts for 30%-35% of the amount of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users, and the random amount accounts for 65%-70% of the amount of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users; obtain a reward feedback threshold; determine whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, distribute 80% of the immediate consumption incentive and the platform reward incentive to the user, and the remaining 20% is deposited into a fourth incentive account; use the fourth incentive account to perform reward feedback. This method is used to solve the technical problems of insufficient scenario coverage, opaque fund allocation, and data silos in the consumption incentive distribution system in the existing technology. The system integrates Internet of Things and blockchain technologies to realize the construction of a closed loop of "consumption-incentive-reward". Through the coordinated operation of consumption codes, activity codes, and implant codes, it achieves the technical effects of full-scene consumption incentives and precise marketing.

[0028] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 A flowchart of a method for distributing consumer incentive funds according to an embodiment of the present invention is shown;

[0030] Figure 2 The present invention is a flowchart of a consumption incentive fund distribution device according to an embodiment of the present invention.

[0031] Description of reference numerals: bus 300 , receiver 301 , processor 302 , transmitter 303 , memory 304 , bus interface 306 . DETAILED DESCRIPTION

[0032] The embodiments of the present invention provide a method and system for distributing consumption incentive funds, which solve the technical problems of insufficient scenario coverage, opaque fund allocation, and data silos in the consumption incentive distribution system in the prior art.

[0033] The overall idea of the technical solution provided by the present invention is as follows: obtaining consumption incentives; depositing the consumption incentives into a first incentive account, a second incentive account and a third incentive account in proportion, wherein the first incentive account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive account is a platform reward pool for the platform to issue rewards to users, and the third incentive account is a basic income pool for platform operations, regional service providers, and public welfare funds; when a user makes a consumption transaction, it is automatically triggered to issue immediate consumption incentives to the user from the first incentive account; when the immediate consumption incentive is issued, it is automatically triggered to issue platform reward incentives to the user from the second incentive account, and the issuance method of the platform reward incentive is the same as the issuance method of the immediate consumption incentive; wherein, the immediate consumption incentive and the The amount of the platform reward incentive includes a fixed amount and a random amount, wherein the fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users, and the random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users; obtain a reward feedback threshold; determine whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, issue 80% of the immediate consumption incentive and the platform reward incentive to the user, and the remaining 20% is deposited into the fourth incentive account; use the fourth incentive account to reward and give feedback. The system integrates the Internet of Things and blockchain technology to realize the construction of a closed loop of "consumption-incentive-reward". Through the coordinated operation of consumption codes, activity codes, and implant codes, it achieves the technical effects of full-scene consumption incentives and precision marketing.

[0034] The technical solution of the present invention is described in detail below through the accompanying drawings and specific embodiments. It should be understood that the embodiments of the present application and the specific features in the embodiments are detailed descriptions of the technical solution of the present application, rather than limitations on the technical solution of the present application. Unless there is a conflict, the embodiments of the present application and the technical features in the embodiments can be combined with each other.

[0035] The term "and / or" in this document simply describes a relationship between related objects, indicating that three possible relationships exist. For example, "A and / or B" can mean: A exists alone, A and B exist simultaneously, or B exists alone. Additionally, the character " / " in this document generally indicates that the related objects are in an "or" relationship.

[0036] Example 1

[0037] Figure 1 FIG. 1 is a flow chart of a method for distributing consumption incentive funds in accordance with an embodiment of the present invention. Figure 1 As shown, an embodiment of the present invention provides a method for distributing consumption incentive funds, the method comprising:

[0038] Step s1: Obtain consumption incentive funds;

[0039] Step s2: Deposit the consumption incentive funds into the first incentive fund account, the second incentive fund account, and the third incentive fund account in proportion, wherein the first incentive fund account is the instant lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is the platform reward pool for the platform to issue rewards to users, and the third incentive fund account is used as the basic income pool for platform operations, regional service providers, and public welfare funds;

[0040] Furthermore, the consumption incentive money is deposited into the first incentive money account, the second incentive money account and the third incentive money account respectively in proportion, including:

[0041] The amount deposited into the first incentive fund account is the first proportion of the consumption incentive fund, wherein the numerical range of the first proportion is 20% to 40%, preferably 30%;

[0042] The amount deposited into the second incentive fund account is the second proportion of the consumption incentive fund, wherein the numerical range of the second proportion is 20% to 40%, preferably 40%;

[0043] The amount deposited into the third incentive account is the third proportion of the consumption incentive, wherein the numerical range of the third proportion is 20% to 40%, preferably 30%.

[0044] Specifically, when a user spends more than 5 yuan at a merchant, he or she can receive one platform reward lottery. For each lottery, the merchant needs to deposit 0.05-0.15 yuan to the platform as the consumption incentive money, and then deposit 20% to 40% of the consumption incentive money into the first incentive money account, 20% to 40% of the consumption incentive money into the second incentive money account, and 20% to 40% of the consumption incentive money into the third incentive money account. In this embodiment of the application, 0.1 yuan is preferably used as the consumption incentive money, of which 0.03 yuan is deposited into the first incentive money account. The gold account is used for the user's instant lottery reward, 0.04 yuan is deposited into the second incentive account to cover the cost of additional lottery opportunities and ensure the compliance of free lottery, and 0.03 yuan is deposited into the third incentive account, which is allocated to platform operations, regional service providers and public welfare funds in a ratio of 1:1:1, that is, 0.01 yuan is allocated to platform operations for technology development and server maintenance, 0.01 yuan is allocated to regional service providers for offline promotion incentives and to promote regional market expansion, and 0.01 yuan is allocated to public welfare funds for public welfare such as education, which is included in the government supervision account. Here, the embodiment of the present application ensures compliance by forcing the fund pool to split according to the "3:4:3" mandatory split rule, in which the basic income pool is further divided equally into platform operations, regional service providers, and public welfare funds, thereby achieving the technical effect of ensuring the compliance and transparency of the use of funds.

[0045] Furthermore, before obtaining the consumption incentive money, the following steps are included:

[0046] Merchants enter the platform, deposit consumption incentive funds, and receive consumption incentive fund distribution services;

[0047] Determine the scenario attributes of the merchant;

[0048] If the scenario attribute of the merchant is the first scenario, when the user makes a consumption transaction, a consumption code and an activity code are generated synchronously by the multi-code generation engine;

[0049] If the scenario attribute of the merchant is the second scenario, the product embedding code is synchronously generated by the multi-code generation engine;

[0050] The user receives the consumption incentive money by scanning the consumption code, the activity code and the implantation code.

[0051] Specifically, after merchants register in the consumption incentive fund distribution system platform and deposit consumption incentive funds, they can enjoy the free lottery service for users, thereby achieving the effect of consumption incentives and ensuring traffic diversion. Specifically, after the merchant registers in the platform system, the system will automatically determine the merchant's scene attributes, which are high-frequency consumption scenes such as retail, supermarkets, restaurants, convenience stores, etc., or low-frequency / small-amount scenes such as express order numbers, airline ticket numbers, and manufacturer-produced goods. In the embodiment of the present application, high-frequency consumption scenes such as retail, supermarkets, restaurants, convenience stores, etc. are defined as the first scene. When the scene attribute of the merchant is the first scene, the system configures the incentive strategy through the multi-code generation engine and the activity rule engine, and simultaneously generates consumption codes and activity codes. That is, after the user has a consumption transaction with the merchant, he can participate in the immediate lottery and obtain the immediate Consumption incentive funds: Here, for every RMB 5 spent by the user, a lottery code will be automatically generated, and it supports accumulation across merchants (e.g., if the first consumption is RMB 3, the next consumption is RMB 2 to trigger a lottery), and there is no upper limit on the consumption amount across all platforms; the system allows merchants to set the population range (age / gender / geographic radius), activity time, and generate activation codes with geo-fences; age (e.g., 18-35 years old), gender, geographic radius (e.g., within 3 kilometers), activity time (e.g., weekend limited), generate activity codes with geo-fences; users need to scan the code in the store to activate, combined with GPS positioning verification to ensure the offline drainage effect.

[0052] The embodiment of the present application defines low-frequency / small-amount scenarios such as express delivery order numbers, airline ticket numbers, and manufacturer-produced goods as the second scenario. If the scenario attribute of the merchant is the second scenario, the implant code of the product is synchronously generated by the multi-code generation engine. For example, in the logistics scenario, based on the express delivery order number, airline ticket number and other information, independent implant codes are generated in fixed-length segments, and each segment corresponds to one lottery opportunity. The express delivery order number "SF123456789" is split into three implant codes (SF123, 4567, 89), and independent implant codes are generated and attached to a carrier. After the user scans the code, the immediate lottery can be automatically triggered. When the single consumption is ≤5 yuan, the lottery trigger unit (such as the product packaging QR code) is embedded through the Internet of Things dynamic binding technology. In the commodity manufacturing industry, the implant code can also be bound to a single product RFID tag or barcode.

[0053] In summary, the merchant side configures the incentive strategy through the multi-code generation engine and the activity rule engine. The funds enter the third-party payment custody platform through the aggregated payment interface and are stored in isolation in the bank's regulatory account to ensure compliance with the flow of funds; the production side generates a unique identifier (such as product serial number, express delivery number) for the product or service through the Internet of Things device, which serves as the underlying data basis of the implanted code; the user side consumes or scans the code through the App or mini program, the consumption behavior collection module captures the transaction data, and the code recognition and parsing engine processes the activation request of the activity code / the implanted code, and generates a lottery trigger signal to the core engine; the third-party system blockchain node cluster stores the entire process data on the chain and supports public auditing of the blockchain browser; the bank's regulatory account is connected to the financial regulatory platform to ensure fund security and regulatory compliance.

[0054] Step s3: When the user makes a consumption transaction, the immediate consumption incentive money is automatically issued to the user from the first incentive money account;

[0055] Step s4: After the immediate consumption incentive is issued, the platform reward incentive is automatically issued to the user from the second incentive account. The platform reward incentive is issued in the same manner as the immediate consumption incentive;

[0056] The amounts of the immediate consumption incentive and the platform reward incentive include a fixed amount and a random amount. The fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users. The random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users.

[0057] Step s5: Obtain the reward feedback threshold;

[0058] Step s6: Determine whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; Step s7: If the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, pay 80% of the immediate consumption incentive and the platform reward incentive to the user, and deposit the remaining 20% into a fourth incentive account;

[0059] Step s8: Use the fourth incentive account to give rewards.

[0060] Furthermore, the use of the fourth incentive account to reward and give back rewards includes:

[0061] Prioritize the spending amount of the two merchants where the user has made recent purchases;

[0062] Calculate the consumption ratio of the two merchants based on the consumption amounts of the two merchants;

[0063] According to the fourth incentive money distribution information and the consumption ratio, the fourth incentive money is rewarded to the two merchants.

[0064] Specifically, when a user conducts a consumption transaction through an APP or mini program, and the consumption amount reaches 5 yuan, the system captures the transaction data in real time, the user clicks on the lottery once, the code recognition and parsing engine processes the activation request, and automatically triggers the issuance of immediate consumption incentive funds from the first incentive fund account to the user. After the immediate consumption incentive funds are issued, the platform reward incentive funds are automatically triggered from the second incentive fund account to the user. The issuance method of the platform reward incentive funds is the same as the issuance method of the immediate consumption incentive funds, wherein the issuance amount of the immediate consumption incentive funds and the platform reward incentive funds includes a fixed issuance amount (0.01 yuan) and a random issuance amount. The payment amount is (0 to 0.02 yuan), wherein the fixed payment amount accounts for 30%-35% of the payment amount of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users, and the random payment amount accounts for 65%-70% of the payment amount of the immediate consumption incentive and the platform reward incentive, thereby achieving a 100% user winning rate, wherein the maximum prize for a single lottery draw of the immediate consumption incentive does not exceed the consumption amount of 50,000 yuan, and the cumulative prize of the platform reward incentive does not exceed 50,000 yuan, in accordance with relevant policy terms: the maximum prize amount for lottery-style prize sales shall not exceed 50,000 yuan. When the immediate consumption incentive and the platform reward incentive received by the user in the lottery are greater than or equal to the reward feedback threshold, that is, the single winning amount is ≥ 5 yuan, the system will distribute 80% of the immediate consumption incentive and the platform reward incentive to the user, and the remaining 20% will be deposited into the fourth incentive account, that is, the 20% immediate consumption incentive and the platform reward incentive feedback agreement will be automatically executed for rewarding the merchant. The fourth incentive fund is rewarded by tipping the two merchants proportionally based on the user's spending at the two most recent merchants. The tipping process is embedded in a smart contract, with funds automatically transferred from the user's bonus, eliminating the risk of commercial bribery caused by manual intervention. Tipping records are synchronized to the blockchain, creating a transparent closed loop of "user spends - wins - merchant receives reward." The system uses funds from the second incentive fund account to distribute platform bonuses to users using the same method as the immediate consumption incentive fund, so this will not be repeated here.

[0065] It should be emphasized here that the embodiments of this application cover the four core modules of multi-code generation, dynamic lottery, fund allocation, and reward feedback, building a full-process protection framework; for the first time, a three-code linkage architecture of "high-frequency consumption code + targeted activity code + low-frequency implant code" is proposed, and multi-code parallel operation in small-amount scenarios is achieved through the dynamic binding technology of the Internet of Things; the cross-merchant consumption accumulation algorithm breaks the limitation of a single store and improves user stickiness. The activity code supports multi-dimensional targeting, and combined with AI user portraits, it realizes "one thousand codes for one thousand people", improving the merchant's traffic efficiency by more than 30%. It achieves the technical effect of full coverage of scenarios and data-driven precision marketing.

[0066] Furthermore, when a user makes a consumption transaction, the automatic triggering of distributing the immediate consumption incentive money from the first incentive money account to the user includes:

[0067] Obtain the threshold for consumption incentive funds;

[0068] When the current single consumption amount of the user is not less than the consumption incentive payment threshold, the accumulated consumption amount of the user is obtained;

[0069] Obtaining the user's cumulative consumption incentive payment amount, wherein the cumulative consumption incentive payment amount is the cumulative consumption amount divided by the consumption incentive payment threshold, rounded up, and then multiplied by the consumption incentive payment threshold;

[0070] Calculate the number of immediate consumption incentive payments based on the cumulative consumption amount and the cumulative consumption incentive payment amount, where the calculation formula for the number of immediate consumption incentive payments is the difference between the cumulative consumption amount and the cumulative consumption incentive payment amount divided by the consumption incentive payment threshold and then rounded up;

[0071] According to the number of times the immediate consumption incentive money is issued, a corresponding number of immediate consumption incentive money is issued to the user from the first incentive money account.

[0072] Specifically, the embodiment of the present application adopts a 5-yuan progressive algorithm, that is, the consumption incentive payment threshold is set to 5 yuan, the user's consumption amount is divided by 5 and rounded up to the number of draws, and the remainder is automatically accumulated to the next consumption (such as 12 yuan = 2 draws, the remaining 2 yuan is accumulated), and cross-merchant accumulation can be achieved, that is, the consumption amount of the entire platform is synchronized in real time, and multi-scenario consumption combined calculation is supported.

[0073] Furthermore, the method further comprises:

[0074] Real-time monitoring of the current lottery pool balance;

[0075] Obtaining a first threshold, wherein the first threshold is the value when the current lottery pool balance reaches the dynamically adjusted maximum prize amount;

[0076] Determining whether the current lottery pool balance is less than the first threshold;

[0077] If the balance of the instant lottery pool is less than the first threshold, adjusting the maximum prize amount of the instant consumption incentive;

[0078] Based on the consumption incentive, obtain the cost of a single instant lottery draw;

[0079] Determining whether the balance of the instant lottery pool is less than 10 times the instant lottery cost;

[0080] If the balance of the instant lottery pool is less than 10 times the instant lottery cost, the maximum amount of the platform bonus will be automatically reduced to 30,000 yuan;

[0081] Get the first interval;

[0082] Determining whether the current lottery pool balance is within the first range;

[0083] When the balance of the instant lottery pool is within the first interval, the maximum amount of the platform bonus will be automatically reduced to 1 / 10 of the balance of the instant lottery pool.

[0084] Furthermore, the method performs SHA-256 hash operations on the user's consumption transactions, lottery records, and fund allocation processes to generate an unalterable block link.

[0085] Specifically, this embodiment of the application incorporates fund allocation rules into blockchain smart contracts, automatically executing splitting logic and generating unique transaction hashes to prevent tampering. Transaction data is synchronized to a blockchain node cluster, forming an unalterable evidence chain. This allows regulators, merchants, and users to query fund flows through blockchain browsers, strengthening the system's credibility. Through blockchain evidence storage and risk control modules, it ensures fund transparency and legal compliance. This approach is applicable to all industries, including retail, transportation, and logistics, addressing the fragmented scenarios and compliance risks inherent in traditional incentive mechanisms.

[0086] For better understanding, the present application embodiment lists two examples of high-frequency consumption scenarios and low-frequency consumption scenarios, as follows:

[0087] (1) High-frequency consumption scenarios (supermarket shopping)

[0088] Merchants enter the platform, choose the dynamic fund allocation mode, and set the activity code rules: "Member users who spend more than 100 yuan will receive an additional 5 platform reward draws";

[0089] A user purchases goods worth 85 yuan, triggering 17 consumption code draws (85÷5=17 times); scanning the code to activate the member-exclusive activity code gives him 5 additional draw opportunities; he wins a total of 1.7 yuan in the immediate draw (17 times × 0.1 yuan average reward), and wins 200 yuan in the platform's random draw, triggering a reward of 40 yuan to be returned to the supermarket account.

[0090] The system captures the user's consumption transaction data in real time through the aggregated payment interface, and synchronously generates the consumption code and the activity code through the multi-code generation engine; the dynamic lottery engine calls the user portrait data (membership level), adjusts the lottery weight, and enhances the incentives for high-value users.

[0091] (2) Low-frequency scenario (high-speed rail ticketing)

[0092] China Railway Administration offers high-speed train tickets priced at 200 yuan, generating 40 lottery draws with consumption codes (200 ÷ 5 = 40 times), and embedding an embedded code (the last 6 digits of the train number) on the ticket.

[0093] The user scans the QR code to activate the implanted code and gets an additional chance to draw a platform reward. He or she will immediately win 4 yuan (40 times x 0.1 yuan), and will win 50,000 yuan (the upper limit of compliance) in the platform lottery. A reward of 10,000 yuan will be given to the railway service provider.

[0094] The system monitors the bonus pool balance in real time to ensure that a single platform reward draw does not exceed 50,000 yuan; reward funds are automatically transferred through smart contracts, and the blockchain records the transaction hash value for traceability by regulatory agencies.

[0095] Finally, it is important to emphasize that the consumption code, activity code, and embedded code system proposed in the embodiments of this application, through technical modularization and scenario parameterization, achieves full coverage from high-frequency consumption to low-frequency interaction, from physical goods to virtual services, and from enterprise-level applications to personal scenarios. Its core advantages are:

[0096] Comprehensive coverage of all scenarios: The three codes complement each other to eliminate blind spots in traditional incentive mechanisms (such as small transactions, non-consumption interactions, and government services).

[0097] Balance between compliance and flexibility: Standardized technical architecture supports customized configurations for various industries while meeting regulatory requirements;

[0098] Open ecosystem construction: API interface services enable rapid third-party access, forming a commercial closed loop of "technology patenting - patent scenario-scenario ecology".

[0099] Example 2

[0100] An embodiment of the present invention further provides a consumption incentive payment system, the system comprising:

[0101] a first obtaining unit, the first obtaining unit being used to obtain consumption incentive money;

[0102] A first storage unit, which is used to deposit the consumption incentive funds into a first incentive fund account, a second incentive fund account, and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds;

[0103] a first distributing unit, configured to automatically trigger the disbursement of immediate consumption incentive funds from the first incentive fund account to the user when the user makes a consumption transaction;

[0104] A second distributing unit, configured to automatically trigger the disbursement of platform reward incentive funds from a second incentive fund account to the user after the immediate consumption incentive funds are distributed, wherein the platform reward incentive funds are distributed in the same manner as the immediate consumption incentive funds;

[0105] The amounts of the immediate consumption incentive and the platform reward incentive include a fixed amount and a random amount. The fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users. The random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users.

[0106] A second obtaining unit, the second obtaining unit is used to obtain a reward feedback threshold;

[0107] A first judgment unit, configured to judge whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold;

[0108] A third distributing unit, configured to distribute 80% of the immediate consumption incentive and the platform reward incentive to the user if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, and deposit the remaining 20% into a fourth incentive account;

[0109] The first reward unit is used to use the fourth incentive account to provide reward feedback.

[0110] Example 3

[0111] Based on the same inventive concept as the consumption incentive fund issuance method in the aforementioned embodiment, the present invention also provides a consumption incentive fund issuance device, which stores a computer program, and when the program is executed by a processor, it implements the steps of any method of the consumption incentive fund issuance method described above.

[0112] Among them, Figure 2 In the embodiment of the present invention, a bus architecture (represented by bus 300) is shown. Bus 300 may include any number of interconnected buses and bridges. Bus 300 links various circuits together, including one or more processors represented by processor 302 and memory represented by memory 304. Bus 300 may also link various other circuits together, such as peripheral devices, voltage regulators, and power management circuits, which are well known in the art and are not described further herein. Bus interface 306 provides an interface between bus 300 and receiver 301 and transmitter 303. Receiver 301 and transmitter 303 may be the same component, namely a transceiver, which provides a means for communicating with various other devices over a transmission medium.

[0113] The processor 302 is responsible for managing the bus 300 and general processing, while the memory 304 may be used to store data used by the processor 302 when performing operations.

[0114] Example 4

[0115] Based on the same inventive concept as the consumption incentive fund issuance method in the aforementioned embodiment, the present invention also provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, it is used to implement the steps of the consumption incentive fund issuance method as described above.

[0116] The above one or more technical solutions in the embodiments of the present application have at least one or more of the following technical effects:

[0117] An embodiment of the present invention provides a method and system for issuing consumption incentive funds, the method comprising: obtaining consumption incentive funds; depositing the consumption incentive funds into a first incentive fund account, a second incentive fund account and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds; when a user makes a consumption transaction, the immediate consumption incentive funds are automatically issued to the user from the first incentive fund account; after the immediate consumption incentive funds are issued, the platform reward incentive funds are automatically issued to the user from the second incentive fund account, and the issuance method of the platform reward incentive funds is the same as the issuance method of the immediate consumption incentive funds; wherein the immediate consumption incentive funds The amount of the incentive and the platform reward incentive includes a fixed amount and a random amount, wherein the fixed amount accounts for 30%-35% of the amount of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users, and the random amount accounts for 65%-70% of the amount of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users; obtain a reward feedback threshold; determine whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, distribute 80% of the immediate consumption incentive and the platform reward incentive to the user, and deposit the remaining 20% into a fourth incentive account; use the fourth incentive account to perform reward feedback. This is used to solve the technical problems of insufficient scenario coverage, opaque fund allocation, and data silos in the consumption incentive distribution system in the existing technology. The system integrates Internet of Things and blockchain technologies to realize the construction of a closed loop of "consumption-incentive-reward". Through the coordinated operation of consumption codes, activity codes, and implant codes, it achieves the technical effects of full-scene consumption incentives and precise marketing.

[0118] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0119] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0120] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0121] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0122] Obviously, those skilled in the art may make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if such changes and modifications fall within the scope of the claims and their equivalents, the present invention is intended to include such changes and modifications.

Claims

1. A method for distributing consumption incentive funds, characterized in that: The method comprises: Obtain consumption incentives; The consumption incentive funds are deposited into the first incentive fund account, the second incentive fund account, and the third incentive fund account in proportion, wherein the first incentive fund account is the instant lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is the platform reward pool for the platform to issue rewards to users, and the third incentive fund account is the basic income pool for platform operations, regional service providers, and public welfare funds; When a user makes a consumption transaction, the immediate consumption incentive money is automatically issued to the user from the first incentive money account; After the immediate consumption incentive is issued, the platform reward incentive is automatically issued to the user from the second incentive account. The platform reward incentive is issued in the same manner as the immediate consumption incentive; The amounts of the immediate consumption incentive and the platform reward incentive include a fixed amount and a random amount. The fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users. The random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users. Get reward feedback threshold; Determine whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; If the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, 80% of the immediate consumption incentive and the platform reward incentive will be distributed to the user, and the remaining 20% will be deposited into the fourth incentive account; Use the fourth incentive account to give rewards.

2. The method for distributing consumption incentive funds according to claim 1, wherein: Before receiving the consumption incentive money, including: Merchants enter the platform, deposit consumption incentive funds, and receive consumption incentive fund distribution services; Determine the scenario attributes of the merchant; If the scenario attribute of the merchant is the first scenario, when the user makes a consumption transaction, a consumption code and an activity code are generated synchronously by the multi-code generation engine; If the scenario attribute of the merchant is the second scenario, the product embedding code is synchronously generated by the multi-code generation engine; The user receives the consumption incentive money by scanning the consumption code, the activity code and the implantation code.

3. The method for distributing consumption incentive funds according to claim 1, wherein: When a user makes a consumption transaction, the automatic triggering of distributing the immediate consumption incentive money from the first incentive money account to the user includes: Obtain the threshold for consumption incentive funds; When the current single consumption amount of the user is not less than the consumption incentive payment threshold, the accumulated consumption amount of the user is obtained; Obtaining the user's cumulative consumption incentive payment amount, wherein the cumulative consumption incentive payment amount is the cumulative consumption amount divided by the consumption incentive payment threshold, rounded up, and then multiplied by the consumption incentive payment threshold; Calculate the number of immediate consumption incentive payments based on the cumulative consumption amount and the cumulative consumption incentive payment amount, where the calculation formula for the number of immediate consumption incentive payments is the difference between the cumulative consumption amount and the cumulative consumption incentive payment amount divided by the consumption incentive payment threshold and then rounded up; According to the number of times the immediate consumption incentive money is issued, a corresponding number of immediate consumption incentive money is issued to the user from the first incentive money account.

4. The method for distributing consumption incentive funds according to claim 1, wherein: The said depositing the consumption incentive money into the first incentive money account, the second incentive money account and the third incentive money account respectively in proportion includes: The amount deposited into the first incentive fund account is the first proportion of the consumption incentive fund, wherein the numerical range of the first proportion is 20% to 40%; The amount deposited into the second incentive fund account is the second proportion of the consumption incentive fund, wherein the numerical range of the second proportion is 20% to 40%; The amount deposited into the third incentive account is the third proportion of the consumption incentive, wherein the numerical range of the third proportion is 20% to 40%.

5. The method for distributing consumption incentive funds according to claim 1, wherein: The use of the fourth incentive account to reward feedback includes: Prioritize the spending amount of the two merchants where the user has made recent purchases; Calculate the consumption ratio of the two merchants based on the consumption amounts of the two merchants; Based on the consumption ratio, the fourth incentive money will be rewarded to the two merchants.

6. The method for distributing consumption incentive funds according to claim 1, wherein: The method further comprises: Real-time monitoring of the current lottery pool balance; Obtaining a first threshold, wherein the first threshold is the value when the current lottery pool balance reaches the dynamically adjusted maximum prize amount; Determining whether the current lottery pool balance is less than the first threshold; If the balance of the instant lottery pool is less than the first threshold, adjusting the maximum prize amount of the instant consumption incentive; Based on the consumption incentive, obtain the cost of a single instant lottery draw; Determining whether the balance of the instant lottery pool is less than 10 times the instant lottery cost; If the balance of the instant lottery pool is less than 10 times the instant lottery cost, the maximum amount of the platform bonus will be automatically reduced to 30,000 yuan; Get the first interval; Determining whether the current lottery pool balance is within the first range; When the balance of the instant lottery pool is within the first interval, the maximum amount of the platform bonus will be automatically reduced to 1 / 10 of the balance of the instant lottery pool.

7. The method for distributing consumption incentive funds according to claim 1, wherein: The method performs SHA-256 hash operations on the entire process of users' consumption transactions, lottery records, and consumption incentive fund distribution to generate tamper-proof block links.

8. A consumption incentive payment system, characterized in that: The consumption incentive fund distribution system includes: a first obtaining unit, the first obtaining unit being used to obtain consumption incentive money; A first storage unit, which is used to deposit the consumption incentive funds into a first incentive fund account, a second incentive fund account, and a third incentive fund account in proportion, wherein the first incentive fund account is an immediate lottery pool for users to draw prizes immediately after consumption, the second incentive fund account is a platform reward pool for the platform to issue rewards to users, and the third incentive fund account is a basic income pool for platform operations, regional service providers, and public welfare funds; a first distributing unit, configured to automatically trigger the disbursement of immediate consumption incentive funds from the first incentive fund account to the user when the user makes a consumption transaction; A second distributing unit, configured to automatically trigger the disbursement of platform reward incentive funds from the second incentive fund account to the user after the immediate consumption incentive funds are distributed, wherein the platform reward incentive funds are distributed in the same manner as the immediate consumption incentive funds; The amounts of the immediate consumption incentive and the platform reward incentive include a fixed amount and a random amount. The fixed amount accounts for 30%-35% of the immediate consumption incentive and the platform reward incentive and is evenly distributed among all participating users. The random amount accounts for 65%-70% of the immediate consumption incentive and the platform reward incentive and is randomly distributed among all participating users. A second obtaining unit, the second obtaining unit is used to obtain a reward feedback threshold; A first judgment unit, configured to judge whether the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold; A third distributing unit, configured to distribute 80% of the immediate consumption incentive and the platform reward incentive to the user if the immediate consumption incentive and the platform reward incentive are greater than or equal to the reward feedback threshold, and deposit the remaining 20% into a fourth incentive account; The first reward unit is used to use the fourth incentive account to provide reward feedback.

9. A consumption incentive payment device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the computer program is executed by the processor, the processor executes the steps of the consumption incentive payment method as described in any one of claims 1 to 7 above.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, it is used to implement the steps of the consumption incentive payment method as described in any one of claims 1 to 7 above.

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