User right exchange management method and system based on smart contract

Abstract

The invention provides a user right and interest exchange management method and system based on a smart contract, and relates to the technical field of right and interest exchange data management, and the method comprises the steps: obtaining the financial account information of a target user, and obtaining an available right and interest information set which comprises an available right and interest type and an available right and interest maximum limit; carrying out exchange request confirmation, and receiving exchange request confirmation information; submitting to an intelligent contract management module, calling a preset exchange rule to carry out right and interest exchange verification, and after verification is passed, calling a third-party service to carry out merchant qualification verification; triggering an exchange operation, generating a first exchange record and updating a user right balance; and adding the user right balance to the first exchange result, sending the first exchange result to the target user, and storing the first exchange record to the block chain network. The technical problems that the exchange efficiency is low, the accuracy rate is low and the difficulty and complexity of product data management are increased due to the lack of automation and rule engines for user rights and interests exchange in the prior art are solved.

Description

Technical Field

[0001] The present invention relates to the technical field of equity exchange data management, and more particularly to a method and system for user equity exchange management based on smart contracts. Background Art

[0002] With the development of digitalization and networking, many companies and platforms have begun to provide users with various types of benefits, such as points, coupons, and membership privileges, to increase user stickiness, enhance brand loyalty, and encourage consumption. The main goal of user benefit redemption management is to ensure that users can easily and effectively redeem their benefits, improve user experience, and enhance system efficiency and transparency. Existing user benefit redemption management technologies often rely on manual data processing or traditional databases. For example, manually checking whether user benefits meet redemption conditions often consumes a lot of time and manpower, resulting in low processing efficiency and high error rates, thereby increasing the difficulty and complexity of product data management. Summary of the Invention

[0003] This application provides a user rights exchange management method and system based on smart contracts, aiming to solve the technical problems in the existing technology that user rights exchange relies on manual or traditional database data processing, lacks automation and rule engines, resulting in low exchange efficiency and low accuracy, and increases the difficulty and complexity of product data management.

[0004] The first aspect disclosed in the present application provides a user rights exchange management method based on a smart contract, the method comprising: obtaining financial account information of a target user, obtaining a set of available rights information based on the financial account information, wherein the available rights information includes an available rights type and a maximum amount of available rights; confirming an exchange request to the target user based on the available rights information set, and receiving exchange request confirmation information, wherein the exchange request confirmation information includes a first rights type, a first exchange period, and a first exchange quantity; submitting the exchange request confirmation information to a smart contract management module, calling a preset exchange rule to perform rights exchange verification, and after the verification is passed, calling a third-party service to perform merchant qualification verification; triggering an exchange operation of the first rights type according to the merchant qualification verification result, generating a first exchange record and updating the user rights balance; adding the user rights balance to the first exchange result and sending it to the target user, and storing the first exchange record in the blockchain network.

[0005] According to a second aspect disclosed in the present application, a user rights exchange management system based on a smart contract is provided. The system is used in the above-mentioned user rights exchange management method based on a smart contract, and the system includes: an available rights information acquisition unit, configured to acquire financial account information of a target user, and acquire a set of available rights information based on the financial account information, wherein the available rights information includes an available rights type and a maximum amount of available rights; an exchange request confirmation unit, configured to confirm an exchange request to the target user based on the available rights information set, and receive exchange request confirmation information, wherein the exchange request confirmation information includes a first rights type, a first exchange period, and a first exchange amount; an rights exchange verification unit, configured to submit the exchange request confirmation information to a smart contract management module, invoke preset exchange rules to perform rights exchange verification, and upon successful verification, invoke a third-party service to perform merchant qualification verification; an exchange operation triggering unit, configured to trigger an exchange operation for the first rights type based on the merchant qualification verification result, generate a first exchange record, and update the user rights balance; and an exchange result sending unit, configured to add the user rights balance to a first exchange result, send it to the target user, and store the first exchange record in a blockchain network.

[0006] One or more technical solutions provided in this application have at least the following beneficial effects:

[0007] By obtaining the target user's financial account information, the target user's available rights and interests information set is obtained and integrated, including the type of rights and interests and the maximum amount. The effective integration and management of this information ensures that during the redemption process, users can only use the eligible rights and interests types and maximum amounts, thereby providing accurate product data management; through the smart contract management module, the rights and interests redemption verification is automatically performed, and each redemption operation is ensured to comply with the rules according to the preset rules. This process is based on real-time verification of product data, ensuring that the rights and interests redeemed by users are feasible and eligible, thereby improving the automation and accuracy of product data management; by calling third-party services to verify the qualifications of merchants, it can ensure that the goods or services redeemed by users come from compliant merchants. This avoids invalid or false exchange operations, thereby protecting user rights and interests and further improving the data compliance and reliability of the exchange process; by storing exchange records and transaction data in the blockchain network, it ensures that every exchange can be traced, and all changes in product data are recorded in an unalterable manner, which not only improves the transparency and reliability of product data management, but also facilitates subsequent audits, inquiries and processing; after the exchange operation is completed, the user's equity balance is updated in real time and the updated results are sent to the user. This process ensures the consistency and accuracy of the user's equity data and avoids any data conflicts and inconsistencies. In this way, the user's equity management becomes more dynamic, real-time and accurate.

[0008] The above description is only an overview of the technical solution of the present application. In order to more clearly understand the technical means of the present application, 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 application more obvious and easy to understand, the specific implementation methods of the present application are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] Figure 1 A flowchart of a user rights exchange management method based on a smart contract provided in an embodiment of the present application.

[0010] Figure 2 Schematic diagram of the structure of the user rights exchange management system based on smart contracts provided in an embodiment of the present application.

[0011] Explanation of reference numerals: available rights information acquiring unit 10 , exchange request confirming unit 20 , rights exchange verifying unit 30 , exchange operation triggering unit 40 , exchange result sending unit 50 . DETAILED DESCRIPTION

[0012] The embodiments of the present application provide a user rights exchange management method and system based on smart contracts, which solves the technical problems of the existing technology in which user rights exchange relies on manual or traditional database data processing, lacks automation and rule engines, resulting in low exchange efficiency and accuracy, and increases the difficulty and complexity of product data management.

[0013] After introducing the basic principles of this application, various non-limiting embodiments of this application will be specifically described below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to explain this application and are not used to limit this application.

[0014] Example 1, as Figure 1 As shown, the embodiment of the present application provides a user rights exchange management method based on a smart contract, the method comprising:

[0015] Financial account information of a target user is obtained, and a set of available benefits information is obtained based on the financial account information, wherein the available benefits information includes an available benefits type and a maximum amount of available benefits.

[0016] Obtain the target user's financial account information through legal channels. Generally, this involves collaborating with banks or other financial service providers. Financial account information includes bank card numbers, points balances, etc. This process includes verifying the user's identity to ensure that the user is indeed the account owner. After obtaining the financial account information, query and analyze the relevant data of the account to obtain the user's available rights and interests information set. Available rights and interests information includes but is not limited to available rights and interests types and maximum available rights and interests amounts. Available rights and interests types are the types of rights and interests that the user can redeem, such as points, coupons, merchant discounts, hotel stays, etc.; the maximum rights and interests amount is the maximum redemption amount for each type of rights and interests, for example, the maximum number of coupons that points can be redeemed for, or the maximum number of hotel stays that can be redeemed.

[0017] Based on the available rights information set, a redemption request confirmation is made to the target user, and redemption request confirmation information is received, wherein the redemption request confirmation information includes a first rights type, a first redemption period, and a first redemption quantity.

[0018] Based on the available benefit information set, a redemption request confirmation is sent to the target user. This request can be sent to the target user through the user's registration channel, such as SMS, app push, email, etc. The user decides whether to accept the redemption based on their own needs, as well as the specific information of the required redemption, including the benefit type, redemption period, and redemption quantity, and returns the redemption request confirmation information to the system. Among them, the first benefit type is the specific type of redemption benefit selected by the user, for example, selecting hotel accommodation; the first redemption period is the time period the user wishes to redeem, for example, selecting June 1st to June 2nd; and the first redemption quantity is the quantity the user wishes to redeem, for example, 2 hotel rooms for one night.

[0019] The exchange request confirmation information is submitted to the smart contract management module, and the preset exchange rules are called to verify the rights exchange. After the verification is passed, the third-party service is called to verify the merchant qualifications.

[0020] The exchange request confirmation information is submitted to the smart contract management module. The smart contract module plays a role in the blockchain network and is used to determine whether the exchange meets the conditions based on preset rules to ensure the transparency and security of the transaction.

[0021] The smart contract management module uses pre-set exchange rules to determine the legitimacy of a user's exchange request. These rules include: verifying the validity of the equity type, such as whether the user can exchange a specific type of equity; verifying that the exchange period is within the specified timeframe; and verifying that the user's equity balance is sufficient and has not exceeded the exchange limit. These rules are typically pre-programmed into the smart contract and automatically executed by the system. The smart contract management module verifies each item in the user's request for compliance with the pre-set rules. If verification passes, the module proceeds to the next step. Otherwise, the user will be notified of an exchange anomaly.

[0022] If the smart contract passes verification, the next step is to call a third-party service to verify the merchant's qualifications, including merchant qualification certification and credit review. For example, it verifies whether the merchant meets the agreement conditions and can provide the user's requested benefits; and verifies whether the merchant has sufficient inventory and resources to meet the exchange requirements. This process ensures that the user's benefit exchange operation is legal and valid between the merchant and the user.

[0023] The redemption operation of the first benefit type is triggered according to the merchant qualification verification result, a first redemption record is generated and the user benefit balance is updated.

[0024] If the merchant's verification passes, the next step is to trigger the redemption operation. This involves executing the specific redemption operation based on the user's selected first benefit type. For example, if the user redeems for hotel accommodations, a hotel room is reserved for the user based on the time period and quantity specified in the redemption request. Simultaneously, a request is sent to the merchant to confirm the reservation and inventory. After the redemption operation is completed, a first redemption record is generated, including the redemption benefit type, time and quantity, and relevant information about the merchant and user. Simultaneously, the user's benefit balance is updated, deducting the redeemed portion. For example, if the user redeems for a single night of hotel accommodation, the user's points will be deducted accordingly.

[0025] The user equity balance is added to the first exchange result and sent to the target user, and the first exchange record is stored in the blockchain network.

[0026] After the redemption is completed, the user's updated balance (i.e., the balance after deducting the redemption portion) will be returned to the target user. This process can be displayed to the user through system notifications, emails, or through the app. For example, if a user redeems a hotel stay worth 1,000 points, the user's balance will be reduced by 1,000 points, and the updated balance will be notified to the user via a notification. To ensure the transparency, immutability, and security of the transaction, the redemption records are stored in the blockchain network. The application of blockchain technology can ensure that every transaction in the redemption process cannot be modified or deleted, while also ensuring mutual trust between users, merchants, and the system.

[0027] Furthermore, before obtaining the target user's financial account information, the method includes:

[0028] The target user's network environment is monitored to obtain a real-time network environment; a historical network environment set of the target user is obtained, and based on the historical network environment set, an environment matching analysis is performed on the real-time network environment to obtain a degree of network environment anomaly; if the degree of network environment anomaly is greater than an anomaly threshold, an environmental anomaly warning signal is generated, and rights exchange restrictions are imposed until the user passes secondary identity verification.

[0029] Real-time monitoring of the target user's network environment is carried out through various technical means. The monitored content includes IP address, network connection type, network speed and bandwidth, network security information, etc. For example, the real-time health status of the network is obtained with the help of third-party services or APIs, such as access speed detection services and IP security detection tools, to ensure that the current network status can be reflected in a short time.

[0030] The target user's historical network environment data is extracted from previous interaction records, including previous IP addresses and network connection types, historical network speeds, and stability. The real-time network environment is then matched and analyzed against the historical network environment to compare the current network status with the user's historical network environment. For example, if the user typically connects to the internet via home WiFi, but this time the connection is from mobile data or a VPN, this signals a network change. Significant changes in network speed, latency, and other factors also indicate an anomaly in the user's network environment. By comparing the differences between the real-time and historical network environments, the degree of network anomaly is quantified. This degree of network anomaly includes multiple dimensions, such as the magnitude of IP address changes, network bandwidth deviation, and latency fluctuations, indicating the consistency of the current network status with the user's historical network environment. If the current network status differs significantly from the historical network environment, the anomaly score will be high, indicating potential risk.

[0031] Set an abnormality threshold, such as 0.3, to determine whether the network environment is abnormal. If the abnormality of the current network environment exceeds the abnormality threshold, it means that there is a risk in the current network environment. At this time, an environmental abnormality warning signal is generated. This signal is notified to the target user through the system interface, SMS, email, etc., reminding the target user that the current network environment may have security risks.

[0032] In the event of an abnormal network environment, the user's rights exchange function will be restricted, including: temporarily freezing the user's exchange function, prompting the user to perform secondary identity verification, such as entering a verification code, answering security questions, or performing facial recognition, etc. The user must pass the identity verification to restore the exchange right. This process ensures that the restriction will only be lifted after the user's identity is confirmed.

[0033] Furthermore, the preset exchange rules include equity type constraints, equity exchange period constraints, and equity amount constraints; based on the preset exchange rules, an equity exchange compliance analysis network is constructed, and based on the equity exchange compliance analysis network, a compliance analysis is performed on the first equity type, the first exchange period, and the first exchange quantity to obtain a compliance analysis result, wherein the compliance analysis result includes an exchange exception identification set; when the exchange exception identification set is not an empty set, an operation rollback instruction is generated, and based on the operation rollback instruction, the exchange exception identification set is fed back to the target user for an exchange exception reminder, and an update exchange request confirmation information is obtained; when the exchange exception identification set is an empty set, the equity exchange verification result is output as verification passed.

[0034] The preset redemption rules are pre-set and used to verify whether the user's redemption request meets the relevant standards, including benefit type constraints, benefit redemption period constraints, and benefit amount constraints. Among them, benefit type refers to the specific benefits that users can redeem, such as points, cash coupons, gifts, services, etc., and restrictions are imposed on each benefit type to ensure that users can only redeem eligible benefits. For example, certain types of benefits are only limited to specific user groups or specific scenarios, such as exclusive benefits for senior members, limited-time discounts, etc.; redemption period constraints refer to the time limit for users to redeem. For example, certain benefits can only be redeemed within a specific time period, such as the validity period of a coupon, exclusive benefits for specific holidays; benefit amount constraints refer to restrictions on the redemption quantity of each benefit. For example, there is an upper limit on the redemption of a certain benefit, and each user can only redeem a certain number of such benefits per day, month or year.

[0035] The equity exchange compliance analysis network is a system framework used to determine whether a user's exchange request complies with preset exchange rules. In this network, preset exchange rules are converted into logical conditions, and compliance analysis is performed in the background. Specifically, the following dimensions are checked: equity type compliance, exchange period compliance, and exchange quantity compliance.

[0036] Based on the above compliance analysis, the compliance analysis result is obtained, indicating whether the user's redemption request has passed the inspection. The analysis result contains a redemption exception identification set, which includes each part that does not comply with the rules, such as the benefit type exception identification, the redemption period exception identification, and the redemption quantity exception identification. For example, if the points requested by the user to redeem exceed the upper limit, the redemption quantity exception will be included in the exception identification set. The exception identification set is used to provide feedback to the user, notifying them which parts of the redemption request cannot pass verification and allowing the user to make adjustments.

[0037] The redemption exception identification set includes all parts that have not passed verification, such as inconsistent rights and interests types, incorrect redemption period, and excessive redemption quantity. If the redemption exception identification set is not an empty set, it means that there is a problem with the user's redemption request. At this time, an operation rollback instruction is generated. The function of the rollback instruction is to cancel the user's redemption request and stop subsequent processing steps. This means that all non-compliant redemption requests will not continue.

[0038] Based on the operation rollback instruction, the exception identification set is fed back to the target user. This is usually displayed as an error prompt or warning message, notifying the user that the redemption request failed verification and pointing out the specific problem, such as the redemption type not meeting the regulations, the redemption time having expired, or the redemption quantity exceeding the upper limit. After receiving the redemption exception notification, the user can modify and resubmit the redemption request, such as selecting a compliant benefit type or time period or adjusting the redemption quantity. After the user updates the request, the updated request is received and verified again, and compliance checks are performed again based on the newly submitted information until the modified request meets the regulations.

[0039] If the redemption exception flag set is empty, it means that the user's redemption request fully complies with the preset rules and there are no non-compliant items. All redemption conditions (equity type, time period, and quantity) have been verified and meet the requirements. In this case, the output equity redemption verification result is verification passed, indicating that the user's redemption request has successfully passed the compliance analysis and meets all rules, and can proceed to the next step.

[0040] Furthermore, the method comprises:

[0041] A rights exchange compliance analysis network is constructed based on the preset exchange rules, wherein the rights exchange compliance analysis network includes a cascaded rights type compliance analysis sub-network, a rights exchange period compliance analysis sub-network, and a rights amount compliance analysis sub-network; in the rights type compliance analysis sub-network, a rights type compliance judgment is performed on the first rights type based on the rights type constraint, and when the result of the rights type compliance judgment is failure, an rights type exchange exception flag is output; based on the rights type exchange exception flag, the first exchange period and the first exchange quantity are isolated as invalid data, and the rights type exchange exception flag is added to the exchange exception flag set.

[0042] The equity exchange compliance analysis network is a framework composed of multiple sub-networks. Its purpose is to comprehensively verify users' exchange requests and ensure that all requests comply with preset rules. The network includes a cascaded equity type compliance analysis sub-network, an equity exchange period compliance analysis sub-network, and an equity quota compliance analysis sub-network. Among them, the equity type compliance analysis sub-network is used to verify whether the equity type requested by the user complies with the preset valid equity type. It checks whether the requested equity complies with the rules, for example, whether the user has the right to exchange a certain equity; the equity exchange period compliance analysis sub-network is used to verify whether the exchange period requested by the user is within the specified time range. For example, some equity is only available during a specific time period, such as seasonal offers, holiday benefits, etc.; the equity quota compliance analysis sub-network is used to verify whether the exchange quantity requested by the user complies with the quota limit, for example, whether it exceeds the maximum number of single exchange or the total number of redemptions per user.

[0043] These subnetworks are cascaded, meaning they process user requests sequentially. The equity type compliance analysis subnetwork first checks the type for legality. If so, the time period compliance analysis subnetwork then checks the time period for legality. Finally, the quota compliance analysis subnetwork checks for excess credits. This cascaded structure ensures that each subnetwork's checks don't interfere with each other and gradually filters out noncompliant requests. If any subnetwork detects a noncompliant item, subsequent operations are halted and the exception is reported back to the user.

[0044] In the benefit type compliance analysis subnetwork, the first benefit type requested by the user is checked for compliance with regulations based on the preset benefit type constraints. This includes: checking whether the benefit type requested by the user is within the range of redeemable benefit types, for example, certain benefits are limited to specific users (such as member-only), or are only allowed to be redeemed under specific conditions (such as specific goods or services); verifying whether the user meets the conditions for redeeming a specific benefit, for example, whether he is a member, whether he has sufficient points, and whether he meets other eligibility restrictions. The consistency between the benefit type requested by the user and the preset rules is checked. If the requested benefit type is legal and meets the conditions, the compliance is judged as passed; if it does not meet the regulations, it is judged as failed, and the corresponding benefit type redemption exception flag is output. This flag indicates that there is a problem with the benefit type of the redemption request and the redemption operation cannot continue.

[0045] When the equity type compliance analysis subnetwork determines that the redemption request is non-compliant, the first redemption period and the first redemption quantity are isolated as invalid data. The purpose of this is to prevent these non-compliant data from continuing to affect subsequent compliance analysis and redemption operations. The detected equity type redemption anomaly identifier is added to the redemption anomaly identifier collection. The anomaly identifier collection is a collection that contains all non-compliant items. It records all items that have failed the compliance check, allowing users to understand the cause of the error and update the redemption request.

[0046] Furthermore, the method further comprises:

[0047] When the compliance judgment result of the equity type is passed, the exchange period compliance judgment is performed on the first exchange period based on the equity exchange period constraint in the equity exchange period compliance analysis sub-network. When the compliance judgment result of the exchange period is failed, the exchange period exchange exception identifier is output; based on the exchange period exchange exception identifier, the first exchange quantity is isolated as invalid data, and the exchange period exchange exception identifier is added to the exchange exception identifier set; when the compliance judgment result of the exchange period is passed, the exchange quantity compliance judgment is performed on the first exchange quantity based on the equity quota constraint in the equity amount compliance analysis sub-network. When the compliance judgment result of the exchange quantity is failed, the exchange quantity exchange exception identifier is output, and the exchange quantity exchange exception identifier is added to the exchange exception identifier set; when the compliance judgment result of the exchange quantity is passed, the exchange exception identifier set is output as an empty set.

[0048] When the benefit type compliance judgment result is passed, the benefit type requested by the user is judged to be legal and in compliance with regulations. At this time, the exchange period is checked. In the benefit exchange period compliance analysis subnetwork, the first exchange period submitted by the user (that is, the specific time period that the user wishes to exchange) is checked according to the benefit exchange period constraint to see if it complies with the predetermined rules. For example, if the exchange time requested by the user exceeds the validity period of a certain benefit, or is not within the allowed exchange time period, it will be judged as non-compliant. If the requested exchange period is within the validity period and complies with all relevant rules, the time period compliance judgment passes; if the exchange period exceeds the predetermined time period, it is judged as non-compliant, and the corresponding exchange period exchange exception flag is output. The exchange period exchange exception flag indicates that there is a problem with the user's exchange request in terms of the time period and cannot be processed further.

[0049] When the redemption period compliance analysis subnetwork determines that a redemption request is noncompliant, the first redemption amount is isolated as invalid data to prevent it from affecting subsequent processes. This means that even if the user selects a compliant redemption amount, the request cannot be processed due to the period issue. The amount must be isolated and returned to the user. A redemption period exception flag is added to the redemption exception flag collection, indicating that the period is the cause of the request failure and that a valid redemption period needs to be selected again.

[0050] If the redemption period compliance is judged as passed, the subnetwork for equity quota compliance analysis is entered to check whether the redemption quantity requested by the user complies with regulations. Within the subnetwork, the requested redemption quantity is verified according to the equity quota constraints. This includes: verifying whether the quantity redeemed by each user at a time exceeds the maximum allowed amount. For example, a certain equity type may stipulate that each user can redeem a maximum of 10 items at a time; verifying whether there is sufficient balance in the user's account to support the redemption quantity. For example, if a user has 1,000 points but requests to redeem an item worth 2,000 points, the redemption will be judged as failed; and verifying daily and monthly redemption limits. For example, if there are redemption quantity limits within a daily, monthly, or annual time period, the first redemption quantity requested by the user is checked to verify whether it is within the allowable range. If it does not comply with the preset rules, the compliance is judged as failed, and a redemption quantity exception flag is output, indicating that the redemption quantity requested by the user does not comply with the preset regulations.

[0051] If the first redemption quantity requested by the user passes the compliance check, the redemption quantity compliance check result is determined to be passed. At this point, all compliance checks (including benefit type, redemption period, and redemption quantity) have passed, indicating that the redemption request is fully compliant. In this case, the redemption exception flag set is empty, meaning there are no exception flags.

[0052] Furthermore, calling third-party services to verify merchant qualifications includes:

[0053] Obtain a first benefit supplier merchant of the first benefit type; based on the first benefit type, verify the service validity of the first benefit supplier merchant to obtain a first verification result; based on the first redemption period and the first redemption quantity, verify the service inventory of the first benefit supplier merchant to obtain a second verification result; when both the first verification result and the second verification result pass, output the merchant qualification verification result as verification passed.

[0054] Based on the first benefit type, suppliers associated with the first benefit type are retrieved from a database or resource management system. A first benefit supplier is a merchant or service provider that can provide the first benefit type. For example, if the target user selects hotel accommodation as the benefit to be redeemed, merchants that provide hotel accommodation services are queried and retrieved. A pre-set merchant list can be displayed, displaying all merchants that can provide the benefit type. This list can be filtered based on factors such as geographic location, merchant reputation, and inventory.

[0055] After obtaining the first benefit supplier, the service validity verification is carried out to ensure that the selected merchant can provide the required services or goods, and that the service or goods are still valid under the conditions of the current request. For example, it verifies whether the merchant can provide the goods or services requested by the user. For example, if it is a hotel accommodation benefit, it verifies whether the hotel provides vacant rooms on the specified date; verifies whether the merchant meets the necessary qualification requirements and whether it has legal certification in the merchant system, such as corporate certificates, service contracts, etc.; verifies whether the services or goods provided by the merchant meet the user's requirements. For example, if the goods requested by the user to be redeemed have special requirements (such as specific sizes, etc.), it is necessary to confirm whether the merchant can meet these conditions. After the verification is completed, the first verification result is obtained, including verification passed or verification failed, that is, the validity of the merchant service is verified.

[0056] After the service validity verification is passed, the merchant's inventory is verified to ensure that the merchant has sufficient inventory or resources to meet the user's redemption request. This includes checking the first redemption period to ensure that the merchant can provide the service within the time period specified by the user. For example, if it is a hotel stay, verifying whether the merchant has vacancies during the user's requested date; and checking the first redemption quantity, that is, whether the number of redemptions requested by the user is within the merchant's inventory range. For example, if the user requests to redeem 10 movie tickets, it is necessary to confirm whether the merchant has sufficient tickets to meet the request. After the verification is completed, the second verification result is obtained, including verification pass or verification fail, that is, whether the merchant's inventory can meet the user's redemption requirements.

[0057] If both the first verification result (service validity verification) and the second verification result (inventory verification) pass, it means that the qualifications of the first benefit supplier meet the requirements and the user's redemption request can continue. At this time, the output merchant qualification verification result is verification passed, which means that the first benefit supplier is qualified to provide the requested benefits.

[0058] Furthermore, before confirming the redemption request to the target user based on the available rights information set, the method further includes:

[0059] Based on preset priority evaluation indicators, a priority evaluation is performed on multiple available equity types in the available equity information set to generate an initial redemption priority sequence, wherein the preset priority evaluation indicators include equity value and equity validity period; based on the blockchain network, the historical redemption record set of the target user is retrieved, and a redemption preference analysis is performed based on the historical redemption record set, and multiple redemption preference coefficients for the multiple available equity types are generated according to the analysis results; based on the multiple redemption preference coefficients, the initial redemption priority sequence is adjusted to generate a target redemption priority sequence, and the target redemption priority sequence is added to the available equity information set.

[0060] Recall the preset priority evaluation indicators, including the equity value and the equity validity period. The equity value is used to evaluate the value of each equity. For example, a coupon has a higher face value, or a certain point redemption product has a higher value. The equity is sorted according to the value, and the equity with higher value will be given a higher priority. The equity validity period is used to evaluate the validity period or expiration time of the equity. For example, a coupon has a shorter validity period, while a certain point redemption product has a longer validity period. Based on the validity period, the equity that is about to expire will be given a higher priority to ensure that the user uses the equity within the validity period as much as possible. Based on these indicators, the priority is calculated for each equity type and an initial redemption priority sequence is generated. The sequence indicates which equity should be redeemed first in the current set of available equity. For example, equity with higher value and closer validity period will be ranked at the front of the sequence. The sequence is a static sort based on the user's current equity information and preset evaluation indicators.

[0061] The target user's historical redemption records are retrieved through the blockchain network. Blockchain technology ensures the integrity and security of these records, as historical records are immutable. These records contain the user's past redemption behavior, such as the types of benefits redeemed, the frequency of redemptions, and the time of redemption. Based on this historical redemption record set, the target user's redemption preferences are analyzed. This includes analyzing which types of benefits the user has tended to redeem in the past, such as whether they prefer to redeem dining or hotel coupons; analyzing whether the user tends to redeem during certain time periods, such as whether they frequently redeem coupons during holidays; and analyzing changes in the frequency of redemption and preferences, such as whether they frequently redeem benefits that expire in the short term. Based on the analysis results, multiple redemption preference coefficients are generated, indicating the user's attractiveness to different benefit types. If a user has historically redeemed a certain benefit type, a higher preference coefficient is assigned to that benefit type, indicating a higher preference for that benefit type.

[0062] The initial redemption priority sequence is adjusted using the generated multiple redemption preference coefficients. The purpose of the redemption preference coefficients is to make the final redemption priority order more consistent with the user's personalized needs. For example, if the user has a higher preference for certain types of benefits, the initial sequence is adjusted to place these benefits higher up and redeem them first. After adjustment, a new target redemption priority sequence is obtained. This sequence not only takes into account the value and validity period of the benefits, but also the user's historical preferences, which means that the target redemption priority sequence is more personalized and accurate. The target redemption priority sequence is added to the available benefits information set and used in subsequent redemption decisions. In this way, when a user requests to redeem a benefit, recommendations can be provided based on this priority sequence, helping the user quickly select the benefit that best meets their needs.

[0063] Furthermore, the method further comprises:

[0064] Receive the target user's equity exchange feedback information; evaluate the processing effect of the smart contract management module based on the equity exchange feedback information, and dynamically adjust the preset exchange rules based on the processing effect evaluation result.

[0065] After the target user completes the equity exchange, the equity exchange feedback information is received. The equity exchange feedback information can be automatically collected by the system, such as whether the transaction is successful or not, problems encountered during the exchange, etc., or it can be actively provided by the user, such as through questionnaires, evaluation forms, etc.

[0066] Based on the collected equity exchange feedback, the smart contract management module's processing effectiveness is evaluated. This evaluation aims to assess whether the smart contract meets expectations when executing exchange requests and effectively meets user needs. Evaluation dimensions include: the smoothness of the exchange process, namely, whether the smart contract can complete exchange requests quickly and efficiently, and whether there are any delays or errors; the accuracy of rule execution, namely, whether the exchange rules (such as exchange time periods and quantity limits) are correctly executed, and whether there are any violations or anomalies; and user experience, namely, whether users are satisfied with the exchange process and results, and whether they encounter any problems or inconveniences during the exchange process. After the processing effectiveness evaluation, the preset exchange rules are dynamically adjusted based on the evaluation results. Specifically, if user feedback indicates that certain rules are not effectively executed or do not meet user needs, the corresponding rules are modified based on this feedback to optimize the exchange process. By dynamically adjusting based on feedback, the exchange rules and smart contract processing logic can be continuously optimized, improving user experience and overall system performance.

[0067] In summary, the user rights exchange management method based on smart contracts provided in the embodiments of the present application has the following technical effects:

[0068] By obtaining the target user's financial account information, the target user's available rights and interests information set is obtained and integrated, including the type of rights and interests and the maximum amount. The effective integration and management of this information ensures that during the redemption process, users can only use the eligible rights and interests types and maximum amounts, thereby providing accurate product data management; through the smart contract management module, the rights and interests redemption verification is automatically performed, and each redemption operation is ensured to comply with the rules according to the preset rules. This process is based on real-time verification of product data, ensuring that the rights and interests redeemed by users are feasible and eligible, thereby improving the automation and accuracy of product data management; by calling third-party services to verify the qualifications of merchants, it can ensure that the goods or services redeemed by users come from compliant merchants. This avoids invalid or false exchange operations, thereby protecting user rights and interests and further improving the data compliance and reliability of the exchange process; by storing exchange records and transaction data in the blockchain network, it ensures that every exchange can be traced, and all changes in product data are recorded in an unalterable manner, which not only improves the transparency and reliability of product data management, but also facilitates subsequent audits, inquiries and processing; after the exchange operation is completed, the user's equity balance is updated in real time and the updated results are sent to the user. This process ensures the consistency and accuracy of the user's equity data and avoids any data conflicts and inconsistencies. In this way, the user's equity management becomes more dynamic, real-time and accurate.

[0069] Example 2 is based on the same inventive concept as the user rights exchange management method based on smart contracts in the previous embodiment. Figure 2 As shown, the embodiment of the present application provides a user rights exchange management system based on smart contracts, the system comprising:

[0070] An available rights information acquisition unit 10 is used to obtain the financial account information of the target user, and obtain an available rights information set based on the financial account information, wherein the available rights information includes the available rights type and the maximum amount of available rights; an exchange request confirmation unit 20 is used to confirm the exchange request to the target user based on the available rights information set, and receive the exchange request confirmation information, wherein the exchange request confirmation information includes the first rights type, the first exchange period, and the first exchange quantity; an equity exchange verification unit 30 is used to submit the exchange request confirmation information to the smart contract management module, call the preset exchange rules to perform equity exchange verification, and after the verification is passed, call a third-party service to perform merchant qualification verification; an exchange operation triggering unit 40 is used to trigger the exchange operation of the first equity type according to the merchant qualification verification result, generate a first exchange record and update the user equity balance; an exchange result sending unit 50 is used to add the user equity balance to the first exchange result and send it to the target user, and store the first exchange record in the blockchain network.

[0071] Furthermore, the available rights information acquisition unit 10 is configured to perform the following steps:

[0072] The target user's network environment is monitored to obtain a real-time network environment; a historical network environment set of the target user is obtained, and based on the historical network environment set, an environment matching analysis is performed on the real-time network environment to obtain a degree of network environment anomaly; if the degree of network environment anomaly is greater than an anomaly threshold, an environmental anomaly warning signal is generated, and rights exchange restrictions are imposed until the user passes secondary identity verification.

[0073] Furthermore, the equity exchange verification unit 30 is configured to perform the following steps:

[0074] The preset exchange rules include equity type constraints, equity exchange period constraints, and equity amount constraints; based on the preset exchange rules, an equity exchange compliance analysis network is constructed, and based on the equity exchange compliance analysis network, a compliance analysis is performed on the first equity type, the first exchange period, and the first exchange quantity to obtain a compliance analysis result, wherein the compliance analysis result includes an exchange exception identification set; when the exchange exception identification set is not an empty set, an operation rollback instruction is generated, and based on the operation rollback instruction, the exchange exception identification set is fed back to the target user for an exchange exception reminder, and updated exchange request confirmation information is obtained; when the exchange exception identification set is an empty set, the equity exchange verification result is output as verification passed.

[0075] Furthermore, the equity exchange verification unit 30 is configured to perform the following steps:

[0076] A rights exchange compliance analysis network is constructed based on the preset exchange rules, wherein the rights exchange compliance analysis network includes a cascaded rights type compliance analysis sub-network, a rights exchange period compliance analysis sub-network, and a rights amount compliance analysis sub-network; in the rights type compliance analysis sub-network, a rights type compliance judgment is performed on the first rights type based on the rights type constraint, and when the result of the rights type compliance judgment is failure, an rights type exchange exception flag is output; based on the rights type exchange exception flag, the first exchange period and the first exchange quantity are isolated as invalid data, and the rights type exchange exception flag is added to the exchange exception flag set.

[0077] Furthermore, the equity exchange verification unit 30 is configured to perform the following steps:

[0078] When the compliance judgment result of the equity type is passed, the exchange period compliance judgment is performed on the first exchange period based on the equity exchange period constraint in the equity exchange period compliance analysis sub-network. When the compliance judgment result of the exchange period is failed, the exchange period exchange exception identifier is output; based on the exchange period exchange exception identifier, the first exchange quantity is isolated as invalid data, and the exchange period exchange exception identifier is added to the exchange exception identifier set; when the compliance judgment result of the exchange period is passed, the exchange quantity compliance judgment is performed on the first exchange quantity based on the equity quota constraint in the equity amount compliance analysis sub-network. When the compliance judgment result of the exchange quantity is failed, the exchange quantity exchange exception identifier is output, and the exchange quantity exchange exception identifier is added to the exchange exception identifier set; when the compliance judgment result of the exchange quantity is passed, the exchange exception identifier set is output as an empty set.

[0079] Furthermore, the equity exchange verification unit 30 is configured to perform the following steps:

[0080] Obtain a first benefit supplier merchant of the first benefit type; based on the first benefit type, verify the service validity of the first benefit supplier merchant to obtain a first verification result; based on the first redemption period and the first redemption quantity, verify the service inventory of the first benefit supplier merchant to obtain a second verification result; when both the first verification result and the second verification result pass, output the merchant qualification verification result as verification passed.

[0081] Furthermore, the exchange request confirmation unit 20 is configured to perform the following steps:

[0082] Based on preset priority evaluation indicators, a priority evaluation is performed on multiple available equity types in the available equity information set to generate an initial redemption priority sequence, wherein the preset priority evaluation indicators include equity value and equity validity period; based on the blockchain network, the historical redemption record set of the target user is retrieved, and a redemption preference analysis is performed based on the historical redemption record set, and multiple redemption preference coefficients for the multiple available equity types are generated according to the analysis results; based on the multiple redemption preference coefficients, the initial redemption priority sequence is adjusted to generate a target redemption priority sequence, and the target redemption priority sequence is added to the available equity information set.

[0083] Furthermore, the system further includes a dynamic adjustment unit configured to perform the following steps:

[0084] Receive the target user's equity exchange feedback information; evaluate the processing effect of the smart contract management module based on the equity exchange feedback information, and dynamically adjust the preset exchange rules based on the processing effect evaluation result.

[0085] Through the detailed description of the user rights exchange management method based on smart contracts in the foregoing specification, those skilled in the art can clearly understand the user rights exchange management system based on smart contracts in this embodiment. Since it corresponds to the method disclosed in the embodiment, the description is relatively simple. For relevant details, please refer to the method description.

[0086] The above description of the disclosed embodiments is intended to enable one skilled in the art to implement or use the present application. Various modifications to these embodiments will be readily apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application is not limited to the embodiments shown herein, but is intended to conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A user rights exchange management method based on smart contracts, characterized in that: The method comprises: Obtaining financial account information of a target user, and obtaining a set of available benefits information based on the financial account information, wherein the available benefits information includes available benefits types and maximum available benefits amounts; Performing a redemption request confirmation on the target user based on the available rights information set, and receiving redemption request confirmation information, wherein the redemption request confirmation information includes a first rights type, a first redemption period, and a first redemption amount; Submit the exchange request confirmation information to the smart contract management module, call the preset exchange rules to verify the rights exchange, and after the verification is passed, call the third-party service to verify the merchant qualifications; triggering a redemption operation of the first benefit type based on the merchant qualification verification result, generating a first redemption record and updating the user benefit balance; The user equity balance is added to the first exchange result and sent to the target user, and the first exchange record is stored in the blockchain network.

2. The user rights exchange management method based on smart contracts according to claim 1, characterized in that: Before obtaining the target user's financial account information, the method includes: Monitor the network environment of the target user to obtain the real-time network environment; Obtaining a historical network environment set of the target user, and performing an environment matching analysis on the real-time network environment based on the historical network environment set to obtain a degree of abnormality of the network environment; If the network environment abnormality is greater than the abnormality threshold, an environmental abnormality warning signal is generated, and equity exchange restrictions are imposed until the user passes the secondary identity verification.

3. The user rights exchange management method based on smart contracts according to claim 1, characterized in that: The preset exchange rules include equity type constraints, equity exchange period constraints, and equity amount constraints; Constructing a rights exchange compliance analysis network based on the preset exchange rules, performing a compliance analysis on the first rights exchange type, the first exchange period, and the first exchange quantity based on the rights exchange compliance analysis network to obtain a compliance analysis result, wherein the compliance analysis result includes a set of exchange anomaly identifiers; When the redemption exception identifier set is not an empty set, an operation rollback instruction is generated, and based on the operation rollback instruction, the redemption exception identifier set is fed back to the target user to remind the target user of the redemption exception, and confirmation information of the redemption request update is obtained; When the exchange exception identification set is an empty set, the output equity exchange verification result is verification passed.

4. The user rights exchange management method based on smart contracts according to claim 3 is characterized in that: The method comprises: Constructing a rights exchange compliance analysis network based on the preset exchange rules, wherein the rights exchange compliance analysis network includes a cascaded rights type compliance analysis sub-network, a rights exchange period compliance analysis sub-network, and a rights quota compliance analysis sub-network; In the equity type compliance analysis subnetwork, performing an equity type compliance judgment on the first equity type based on the equity type constraint, and outputting an equity type exchange exception flag when the equity type compliance judgment result is failure; Based on the equity type exchange exception identifier, the first exchange period and the first exchange quantity are isolated as invalid data, and the equity type exchange exception identifier is added to the exchange exception identifier set.

5. The user rights exchange management method based on smart contracts according to claim 4 is characterized in that: The method further comprises: When the result of the equity type compliance judgment is passed, the equity exchange period compliance analysis sub-network performs an exchange period compliance judgment on the first exchange period based on the equity exchange period constraint; when the result of the exchange period compliance judgment is failed, an exchange period exchange exception flag is output; Based on the exchange exception identifier for the exchange period, isolating the first exchange quantity as invalid data, and adding the exchange exception identifier for the exchange period to the exchange exception identifier set; When the redemption period compliance judgment result is passed, the equity quota compliance analysis subnetwork performs an redemption quantity compliance judgment on the first redemption quantity based on the equity quota constraint; when the redemption quantity compliance judgment result is failed, an exchange quantity redemption exception flag is output, and the exchange quantity redemption exception flag is added to the exchange exception flag set; When the redemption quantity compliance judgment result is passed, the redemption exception identification set is output as an empty set.

6. The user rights exchange management method based on smart contracts according to claim 3 is characterized in that: Call third-party services to verify merchant qualifications, including: Obtain a first equity supplier of the first equity type; Based on the first equity type, verify the service validity of the first equity provider to obtain a first verification result; performing service inventory verification on the first equity supplier based on the first exchange period and the first exchange quantity to obtain a second verification result; When both the first verification result and the second verification result are passed, the merchant qualification verification result is output as verification passed.

7. The user rights exchange management method based on smart contracts according to claim 1 is characterized in that: Before confirming the redemption request to the target user based on the available rights information set, the method further includes: Based on preset priority evaluation indicators, priority evaluation is performed on multiple available equity types in the available equity information set to generate an initial redemption priority sequence, wherein the preset priority evaluation indicators include equity value and equity validity period; Retrieving a set of historical redemption records of the target user based on the blockchain network, performing a redemption preference analysis based on the set of historical redemption records, and generating a plurality of redemption preference coefficients for the plurality of available equity types according to the analysis results; The initial redemption priority sequence is adjusted based on the multiple redemption preference coefficients to generate a target redemption priority sequence, and the target redemption priority sequence is added to the available benefit information set.

8. The user rights exchange management method based on smart contracts according to claim 1 is characterized in that: The method further comprises: Receive the target user's rights exchange feedback information; The processing effect of the smart contract management module is evaluated based on the equity exchange feedback information, and the preset exchange rules are dynamically adjusted based on the processing effect evaluation results.

9. The user rights exchange management system based on smart contracts is characterized by: For implementing the user rights exchange management method based on smart contracts according to any one of claims 1 to 8, the system comprises: An available benefit information acquisition unit, configured to acquire financial account information of a target user, and acquire a set of available benefit information based on the financial account information, wherein the available benefit information includes an available benefit type and a maximum amount of available benefit; an exchange request confirmation unit, configured to confirm an exchange request to the target user based on the available benefit information set, and receive exchange request confirmation information, wherein the exchange request confirmation information includes a first benefit type, a first exchange period, and a first exchange quantity; The equity exchange verification unit is used to submit the exchange request confirmation information to the smart contract management module, call the preset exchange rules to perform equity exchange verification, and after the verification is passed, call the third-party service to verify the merchant qualifications; a redemption operation triggering unit, configured to trigger a redemption operation of the first benefit type according to a merchant qualification verification result, generate a first redemption record, and update a user benefit balance; The exchange result sending unit is used to add the user equity balance to the first exchange result and send it to the target user, and store the first exchange record in the blockchain network.

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