Commercial tenant grade configuration method and device, storage medium and computer equipment

Abstract

The invention discloses a merchant grade configuration method and device, a storage medium and computer equipment, relates to the technical field of e-commerce, and mainly aims at solving the problems that an e-commerce platform is uneven in resource allocation, lack of incentive mechanisms, high in supervision difficulty and poor in user experience. Comprising the following steps: receiving notification information that a big data platform completes integration of multi-source heterogeneous data of e-commerce related services; acquiring a merchant list integration file from the big data platform based on the notification information; the merchant list integration file comprises a plurality of fields used for merchant grade configuration; obtaining a preset commercial tenant grade judgment strategy, and performing grade judgment processing on each commercial tenant in the e-commerce platform based on the commercial tenant grade judgment strategy and the commercial tenant list integration file to obtain a grade judgment result corresponding to each commercial tenant; and configuring different merchant rights and interests for each merchant based on the grade determination result, so that each merchant operates in the corresponding merchant right and interests range.

Description

Technical Field

[0001] This invention relates to the field of e-commerce technology, and is applicable to the financial business field. In particular, it relates to a method and apparatus for configuring merchant levels, a storage medium, and a computer device. Background Technology

[0002] With the continuous development of e-commerce platforms, more and more merchants are joining major e-commerce platforms. For example, Ping An One Wallet platform has an online shopping mall with products covering all categories such as digital home appliances, clothing and cosmetics, food and beverages.

[0003] Currently, although some e-commerce platforms have their own merchant management methods, many still lack a corresponding tiered management system to differentiate merchant levels. This lack of tiered merchant management may lead to the following drawbacks: (1) uneven resource allocation; (2) lack of incentive mechanisms; (3) increased regulatory difficulty; (4) decreased user experience; and (5) weakened market competitiveness. Therefore, it is urgent to establish a standardized service system, build a tiered merchant service system, and create a comprehensive "platform + regional offline" service to improve merchant satisfaction while reducing costs and frontline pressure, thus enabling e-commerce platforms to have better development prospects. Summary of the Invention

[0004] In view of this, the present invention provides a method and apparatus for configuring merchant levels, a storage medium, and a computer device. The main purpose is to solve the problems of uneven resource allocation, lack of incentive mechanisms, difficulty in supervision, and poor user experience in e-commerce platforms through a standardized merchant level configuration method.

[0005] According to one aspect of the present invention, a method for configuring merchant levels is provided, applied to an e-commerce platform, comprising:

[0006] Receive notifications from the big data platform indicating the completion of the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals;

[0007] Based on the notification information, a merchant list integration file is obtained from the big data platform; the merchant list integration file contains multiple fields for merchant level configuration;

[0008] Obtain a preset merchant rating strategy, and perform rating judgment processing on each merchant in the e-commerce platform based on the merchant rating strategy and the merchant list integration file to obtain the rating judgment result corresponding to each merchant.

[0009] Based on the rating results, different merchant rights are configured for each merchant so that each merchant can operate within the corresponding scope of the merchant rights.

[0010] Furthermore, the big data platform integrates multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals, including:

[0011] The big data platform obtains merchant-related information, transaction-related information, and payment device-related information from the merchant terminal, customer browsing and ordering terminal, and e-commerce platform terminal.

[0012] The merchant-related information, the transaction-related information, and the payment device-related information are cleaned to obtain cleaned data.

[0013] Based on the merchant rating requirements, the cleaned transaction data is statistically processed according to a preset period to obtain the transaction data statistical results.

[0014] The cleaned data and the transaction data statistics results are integrated by field to obtain the merchant list integration file.

[0015] Furthermore, the merchant list integration file includes a merchant member number field, a merchant status field, a net transaction amount field for the previous statistical period field, and a field indicating whether a payment device is currently bound.

[0016] The process of classifying merchants on the e-commerce platform based on the merchant classification strategy and the integrated merchant list file to obtain classification results corresponding to each merchant includes:

[0017] Based on the merchant member number field, determine whether each merchant was a member in the previous statistical period;

[0018] If it is a member, the rating result of each member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period and the merchant status field.

[0019] If the merchant is a non-member, the rating result for each non-member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field.

[0020] Furthermore, the determination of the rating result of each member merchant in the current statistical period based on the net transaction volume field of the previous statistical period and the merchant status field includes:

[0021] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is obtained and compared with a preset first threshold.

[0022] When the net transaction volume of the previous statistical period is greater than the first threshold, obtain the status value in the merchant status field;

[0023] When the status value is normal, the corresponding member merchant is determined to be the target member for the current statistical period.

[0024] Furthermore, the determination of the rating result for each non-member merchant in the current statistical period based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field includes:

[0025] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is compared with a preset second threshold.

[0026] When the net transaction volume of the previous statistical period is greater than the second threshold, the status value in the merchant status field is obtained;

[0027] When the status value is normal, obtain the value in the field of whether the payment device is currently bound, and determine the non-member merchants who have already bound the payment device as the target members of the current statistical period.

[0028] Furthermore, the merchant list integration file also includes special indicator fields;

[0029] The process of classifying merchants on the e-commerce platform based on the merchant classification strategy and the integrated merchant list file to obtain classification results corresponding to each merchant includes:

[0030] The net transaction volume of the previous statistical period, the current status of the bound payment device, and the special indicator data are obtained from the merchant list integration file.

[0031] The merchant evaluation value is obtained by performing a weighted summation based on the net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data.

[0032] The corresponding rating result for each merchant is determined based on the merchant evaluation value.

[0033] Furthermore, the step of configuring different merchant rights for each merchant based on the grade determination result, so that each merchant operates within the corresponding scope of the merchant rights, includes:

[0034] Create a new target member configuration table corresponding to the current statistical period; the target member configuration table includes a merchant number field, a merchant member number field, an effective start time field, an effective end time field, a payment method field, and a data card configuration field;

[0035] Configure a merchant member number for the target member in the level determination result, and fill in the merchant member number field and the merchant number field together with the merchant number of the target member;

[0036] The effective start time and effective end time are determined based on the statistical period, and the effective start time and effective end time are respectively filled into the effective start time field and the effective end time field;

[0037] Configure the optimal withdrawal method and data card for the target member in the level determination result, and fill the optimal withdrawal method and the data card into the withdrawal method field and the data card configuration field.

[0038] According to another aspect of the present invention, a merchant level configuration device is provided, comprising:

[0039] The notification receiving module is used to receive notification information from the big data platform after it has integrated multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals.

[0040] The file acquisition module is used to acquire a merchant list integration file from the big data platform based on the notification information; the merchant list integration file contains multiple fields for merchant level configuration;

[0041] The rating determination module is used to obtain a preset merchant rating determination strategy, and perform rating determination processing on each merchant in the e-commerce platform based on the merchant rating determination strategy and the merchant list integration file to obtain the rating determination result corresponding to each merchant.

[0042] The configuration module is used to configure different merchant rights for each merchant based on the level determination result, so that each merchant can operate within the corresponding scope of the merchant rights.

[0043] Furthermore, before receiving notification information, the notification receiving module integrates multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals through a big data platform, including:

[0044] The big data platform obtains merchant-related information, transaction-related information, and payment device-related information from the merchant terminal, customer browsing and ordering terminal, and e-commerce platform terminal.

[0045] The merchant-related information, the transaction-related information, and the payment device-related information are cleaned to obtain cleaned data.

[0046] Based on the merchant rating requirements, the cleaned transaction data is statistically processed according to a preset period to obtain the transaction data statistical results.

[0047] The cleaned data and the transaction data statistics results are integrated by field to obtain the merchant list integration file.

[0048] Furthermore, the merchant list integration file includes a merchant membership number field, a merchant status field, a net transaction volume field for the previous statistical period, and a field indicating whether a payment device is currently bound; the level determination module is also used for:

[0049] Based on the merchant member number field, determine whether each merchant was a member in the previous statistical period;

[0050] If it is a member, the rating result of each member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period and the merchant status field.

[0051] If the merchant is a non-member, the rating result for each non-member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field.

[0052] Furthermore, the level determination module is also used for:

[0053] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is obtained and compared with a preset first threshold.

[0054] When the net transaction volume of the previous statistical period is greater than the first threshold, obtain the status value in the merchant status field;

[0055] When the status value is normal, the corresponding member merchant is determined to be the target member for the current statistical period.

[0056] Furthermore, the level determination module is also used for:

[0057] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is compared with a preset second threshold.

[0058] When the net transaction volume of the previous statistical period is greater than the second threshold, the status value in the merchant status field is obtained;

[0059] When the status value is normal, obtain the value in the field of whether the payment device is currently bound, and determine the non-member merchants who have already bound the payment device as the target members of the current statistical period.

[0060] Furthermore, the merchant list integration file also includes characteristic indicator fields; the rating determination module is also used for:

[0061] The net transaction volume of the previous statistical period, the current status of the bound payment device, and the special indicator data are obtained from the merchant list integration file.

[0062] The merchant evaluation value is obtained by performing a weighted summation based on the net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data.

[0063] The corresponding rating result for each merchant is determined based on the merchant evaluation value.

[0064] Furthermore, the configuration module is also used for:

[0065] Create a new target member configuration table corresponding to the current statistical period; the target member configuration table includes a merchant number field, a merchant member number field, an effective start time field, an effective end time field, a payment method field, and a data card configuration field;

[0066] Configure a merchant member number for the target member in the level determination result, and fill in the merchant member number field and the merchant number field together with the merchant number of the target member;

[0067] The effective start time and effective end time are determined based on the statistical period, and the effective start time and effective end time are respectively filled into the effective start time field and the effective end time field;

[0068] Configure the optimal withdrawal method and data card for the target member in the level determination result, and fill the optimal withdrawal method and the data card into the withdrawal method field and the data card configuration field.

[0069] According to another aspect of the present invention, a storage medium is provided, wherein at least one executable instruction is stored therein, the executable instruction causing a processor to perform an operation corresponding to the merchant level configuration method described above.

[0070] According to another aspect of the present invention, a computer device is provided, including a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface communicate with each other through the communication bus;

[0071] The memory is used to store at least one executable instruction that causes the processor to perform operations corresponding to the merchant level configuration method described above.

[0072] By employing the above-described technical solutions, the technical solutions provided by the embodiments of the present invention have at least the following advantages:

[0073] This invention provides a method, apparatus, storage medium, and computer equipment for configuring merchant levels. Compared with existing technologies, this invention receives notification information from a big data platform indicating the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals. Based on this notification information, it obtains an integrated merchant list file from the big data platform, achieving efficient data integration while reducing the business pressure on the e-commerce platform. Furthermore, this invention obtains a pre-set merchant level determination strategy and performs level determination processing on each merchant in the e-commerce platform based on the strategy and the integrated merchant list file, obtaining a level determination result corresponding to each merchant. Based on the level determination result, different merchant rights are configured for each merchant, allowing each merchant to operate within the corresponding rights scope. This achieves standardized merchant level and rights configuration, simplifies merchant supervision, and clarifies the incentive mechanism. Using this method, high-quality or high-potential merchants can be quickly identified, resource allocation can be more targeted, and it helps improve the overall development level of the platform and user experience.

[0074] The above description is merely an overview of the technical solution of the present invention. In order to better understand the technical means of the present invention and to implement it in accordance with the contents of the specification, and in order to make the above and other objects, features and advantages of the present invention more apparent and understandable, specific embodiments of the present invention are described below. Attached Figure Description

[0075] Various other advantages and benefits will become apparent to those skilled in the art upon reading the following detailed description of preferred embodiments. The accompanying drawings are for illustrative purposes only and are not intended to limit the invention. Furthermore, the same reference numerals denote the same parts throughout the drawings. In the drawings:

[0076] Figure 1 This diagram illustrates an application environment of the merchant level configuration method provided in an embodiment of the present invention.

[0077] Figure 2 The diagram illustrates a flowchart of a merchant level configuration method provided by an embodiment of the present invention.

[0078] Figure 3 A flowchart illustrating another merchant level configuration method provided by an embodiment of the present invention is shown;

[0079] Figure 4 This diagram illustrates a flowchart of another merchant level configuration method provided by an embodiment of the present invention.

[0080] Figure 5 The diagram illustrates a flowchart of another merchant level configuration method provided by an embodiment of the present invention.

[0081] Figure 6 The diagram illustrates a flowchart of another merchant level configuration method provided by an embodiment of the present invention.

[0082] Figure 7 This diagram illustrates the structure of a merchant-level distribution device according to an embodiment of the present invention.

[0083] Figure 8 A schematic diagram of the structure of a computer device provided in an embodiment of the present invention is shown. Detailed Implementation

[0084] Exemplary embodiments of the present disclosure will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0085] This invention provides a method for configuring merchant levels, applied to e-commerce platforms. It primarily serves to standardize and tiered manage merchants on the platform, simplifying supervision by differentiating merchant levels, clarifying incentive mechanisms, and enhancing the platform's market competitiveness and user experience. Figure 1 As shown, the e-commerce platform interacts with a big data platform to obtain a merchant list integration file. Based on this file and a pre-defined merchant rating strategy, the platform then performs rating processing on each merchant, resulting in a rating outcome for each merchant. Finally, based on these ratings, different merchant benefits are configured for each merchant, ensuring they operate within the corresponding scope of those benefits. The operational data of e-commerce platforms is relatively scattered. By extracting data through a big data platform and summarizing transactions daily, efficient data integration can be achieved while reducing the business pressure on the e-commerce platform. The method of this invention is as follows... Figure 2 As shown, it includes:

[0086] 101. Receive notification information from the big data platform indicating the completion of the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals;

[0087] In this embodiment of the invention, a big data platform extracts multi-source heterogeneous data related to e-commerce business daily, including data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals, such as merchant basic information tables, transaction flow tables, order detail statistics, and device binding tables. This embodiment of the invention does not impose specific limitations. Since multi-source heterogeneous data consists of data sets with different structures or characteristics, performing data integration at the business end would place considerable processing pressure on the business end. Therefore, the big data platform first integrates and processes the multi-source heterogeneous data before notifying the e-commerce platform, which then performs the next step based on the notification information. This embodiment of the invention does not impose specific limitations.

[0088] 102. Obtain a merchant list integration file from the big data platform based on the notification information; the merchant list integration file contains multiple fields for merchant level configuration;

[0089] In this embodiment of the invention, the current execution end obtains the merchant list integration file from the big data platform based on the notification information sent after the data integration is completed. The merchant list integration file is a structured file, including formats such as CSV, JSON, and Parquet; this embodiment of the invention does not impose specific limitations on this. The merchant list integration file generally contains multiple fields for merchant level configuration, such as merchant ID, merchant membership ID, merchant name, merchant status, and whether a payment device is currently bound; this embodiment of the invention does not impose specific limitations on these fields.

[0090] 103. Obtain the preset merchant level determination strategy, and perform level determination processing on each merchant in the e-commerce platform based on the merchant level determination strategy and the merchant list integration file to obtain the level determination result corresponding to each merchant.

[0091] In this embodiment of the invention, the current execution terminal pre-sets a merchant level determination strategy based on the e-commerce platform's management needs for its merchants. This merchant level determination strategy represents the execution strategy for standardized, tiered management of merchants on the platform. The current execution terminal performs level determination processing on each merchant in the e-commerce platform based on the pre-set merchant level determination strategy and an integrated merchant list file obtained from a big data platform, obtaining a level determination result corresponding to each merchant. For example, merchants M001, M002, and M007 are determined to be VIP merchants, while merchants M003, M004, and M005 are determined to be non-VIP merchants. This embodiment of the invention does not impose specific limitations.

[0092] 104. Based on the grade determination results, different merchant rights are configured for each merchant so that each merchant can operate within the corresponding scope of the merchant rights.

[0093] In this embodiment of the invention, the current execution terminal configures different merchant rights for each merchant on the platform based on the level determination result obtained in step 103. These merchant rights include payment rights, traffic allocation rights, and some special rights, which are not specifically limited in this embodiment. This ensures that each merchant on the platform operates within the corresponding scope of their merchant rights. For example, if VIP merchant M001 is configured with a withdrawal method of "D+1", then merchant M001's withdrawal rights are limited to withdrawals on natural days; if non-VIP merchant M003 is configured with a withdrawal method of "T+1", then merchant M003's withdrawal rights are limited to withdrawals on working days, etc., which are not specifically limited in this embodiment.

[0094] Furthermore, as a refinement and extension of the specific implementation of the above embodiments, in order to further accelerate the business side's determination of the merchant level and reduce the workload of the business side, another method for configuring merchant levels is provided, such as... Figure 3 As shown, before receiving notification from the big data platform that the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals is complete, the big data platform integrates the multi-source heterogeneous data from these terminals, including:

[0095] 201. The big data platform obtains merchant-related information, transaction-related information, and payment device-related information from the merchant terminal, customer browsing and ordering terminal, and e-commerce platform terminal;

[0096] In this embodiment of the invention, the big data platform obtains merchant-related information, transaction-related information, and payment device-related information daily from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals. Merchant-related information includes merchant ID, merchant membership number, merchant name, and merchant status, etc., which are not specifically limited in this embodiment. Transaction-related information includes transaction start time, transaction end time, transaction quantity, and transaction amount, etc., which are not specifically limited in this embodiment. Payment device-related information includes payment device type (e.g., payment terminal, small white box, cash register, facial recognition device), payment device number, etc., which are not specifically limited in this embodiment.

[0097] 202. Perform data cleaning processing on the merchant-related information, the transaction-related information, and the payment device-related information to obtain cleaned data;

[0098] In this embodiment of the invention, the big data platform performs data cleaning processing on the merchant-related information, transaction-related information, and payment device-related information obtained in step 201 to obtain cleaned data. The data cleaning includes removing duplicate data, handling null values, standardizing data formats, and standardizing merchant status, such as "normal", "paused", "cancelled", etc. This embodiment of the invention does not make specific limitations.

[0099] 203. Based on the merchant rating requirements, perform statistical processing on the cleaned transaction data according to a preset period to obtain the transaction data statistical results;

[0100] In this embodiment of the invention, the big data platform can also perform statistical processing on the transaction data cleaned in step 202 according to a preset period based on the business side's requirements for determining merchant levels, to obtain the required transaction data statistical results. For example, by filtering transaction records from the previous natural month through the transaction log, the net transaction volume (revenue minus refunds) can be calculated; by filtering transaction records from the previous natural month through the transaction log, the total number of transactions for a certain type of product can be calculated, etc. This embodiment of the invention does not impose specific limitations.

[0101] 204. Integrate the cleaned data and the transaction data statistics results by field to obtain the merchant list integration file.

[0102] In this embodiment of the invention, the big data platform integrates the cleaned data and the transaction data statistical results obtained in step 203 by field to obtain a merchant list integration file. For example, it integrates the merchant numbers of all merchants on the e-commerce platform by the merchant number field; it integrates the standardized status (including "normal", "suspended", "cancelled", etc.) of all merchants on the e-commerce platform by the merchant status field; it integrates the net transaction volume of all merchants on the e-commerce platform in the previous statistical period by the net transaction volume field of the previous statistical period (the previous statistical period can be the previous natural month or a cross-month statistical period, which can be set by the platform according to its needs), etc. This embodiment of the invention does not make specific limitations.

[0103] Furthermore, as a refinement and extension of the specific implementation methods described above, in order to more clearly distinguish between previously identified high-quality merchants and previously undiscovered high-quality merchants in terms of supervision, and to enable the platform to quickly differentiate between high-quality or high-potential merchants, another method for configuring merchant levels is provided, such as... Figure 4 As shown, the steps involve performing a rating assessment on each merchant in the e-commerce platform based on the merchant rating determination strategy and the integrated merchant list file, to obtain a rating assessment result corresponding to each merchant, including:

[0104] 301. Determine whether each merchant was a member in the previous statistical period based on the merchant member number field;

[0105] In this embodiment of the invention, since merchants have already been distinguished as members and non-members in the previous statistical period (e.g., the corresponding member number is configured for member merchants in the merchant member number field, and the corresponding member number field for non-member merchants is empty), at the beginning of the next statistical period, the current execution terminal where the e-commerce platform is located can first determine whether each merchant was a member in the previous statistical period based on the merchant member number field. This embodiment of the invention does not make specific limitations.

[0106] 302. If it is a member, the level determination result of each member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period and the merchant status field.

[0107] In this embodiment of the invention, if the current execution terminal determines that merchant M001 was a member in the previous statistical period, it compares the net transaction amount in the net transaction amount field of merchant M001 in the previous statistical period with a preset first threshold; for example, if the preset first threshold is 10,000 yuan, then the net transaction amount of merchant M001 in the previous statistical period is compared with 10,000 yuan. When the net transaction amount in the previous statistical period is greater than the first threshold of 10,000 yuan, the status value in the merchant status field is obtained; when the obtained status value is normal, then the corresponding member merchant M001 is determined to be the target member in the current statistical period, that is, merchant M001 is still a member in the current statistical period. In addition, if the net transaction amount of merchant M001 in the previous statistical period is less than 10,000 yuan, or the status value in the merchant status field of merchant M001 is "suspended" or "cancelled", then merchant M001 will no longer be determined to be a member in the current statistical period, etc., and this embodiment of the invention does not make specific limitations.

[0108] 303. If the merchant is a non-member, the rating of each non-member merchant in the current statistical period is determined based on the net transaction amount field of the previous statistical period, the merchant status field, and the current binding of a payment device field.

[0109] In this embodiment of the invention, if the current execution terminal determines that merchant M003 was a non-member in the previous statistical period, it obtains the net transaction amount of the previous statistical period from the net transaction amount field of merchant M003 and compares it with a preset second threshold; for example, if the preset first threshold is 50,000 yuan, then the net transaction amount of merchant M003 in the previous statistical period is compared with 50,000 yuan. When the net transaction amount of the previous statistical period is greater than the second threshold of 50,000 yuan, the status value in the merchant status field is obtained; when the obtained status value is normal, the value in the current whether payment device is bound is obtained, and the non-member merchant that has been bound to the payment device is determined as the target member of the current statistical period, that is, the original non-member merchant M003 is positioned as a member in the current statistical period. Furthermore, if the net transaction volume of merchant M003 in the previous statistical period is less than 50,000 yuan, or the status value in the merchant status field of merchant M003 is "suspended" or "cancelled", or merchant M003 is not bound to a payment device, then merchant M003 will still not be identified as a member in the current statistical period, etc. This embodiment of the invention does not make specific limitations.

[0110] It should be noted that in steps 301 to 303 above, the preset first threshold is lower than the preset second threshold, so that the judgment requirements for original member merchants are lower than those for non-member merchants, thereby reducing the frequency of member changes and incentivizing non-members.

[0111] Furthermore, as a refinement and extension of the specific implementation methods described above, in order to improve the personalization of merchant level configuration, another method for configuring merchant levels is provided, such as... Figure 5 As shown, the merchant list integration file in this method also includes characteristic indicator fields; the steps are based on the merchant level determination strategy and the merchant list integration file to perform level determination processing on each merchant in the e-commerce platform, obtaining the level determination result corresponding to each merchant, including:

[0112] 401. Obtain the net transaction volume of the previous statistical period, the current status of the bound payment device, and the characteristic indicator data from the merchant list integration file;

[0113] 402. Based on the net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data, a weighted summation is performed to obtain the merchant evaluation value;

[0114] 403. Determine the corresponding grade judgment result for each merchant based on the merchant evaluation value.

[0115] In this embodiment of the invention, the current execution terminal obtains the net transaction volume of the previous statistical period, the status of the currently bound payment device, and characteristic indicator data from the merchant list integration file. The characteristic indicator data includes whether a bank card specified by the e-commerce platform is bound, whether there are photos of the merchant's storefront, and whether there are photos of the merchant's interior, etc., but this embodiment of the invention does not impose specific limitations. Next, a weighted summation is performed based on the aforementioned net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data to obtain the merchant evaluation value. Then, based on the merchant evaluation value, the corresponding grade determination result for each merchant is determined.

[0116] Furthermore, as a refinement and extension of the specific implementation methods of the above embodiments, in order to improve the management efficiency of member merchants, another method for configuring merchant levels is provided, such as... Figure 6 As shown, the steps involve configuring different merchant rights for each merchant based on the level determination result, so that each merchant can operate within the corresponding scope of the merchant rights, including:

[0117] 501. Create a new target member configuration table corresponding to the current statistical period; the target member configuration table includes the merchant number field, merchant member number field, effective start time field, effective end time field, payment method field, and data card configuration field;

[0118] 502. Configure a merchant member number for the target member in the level determination result, and fill in the merchant member number field and the merchant number field together with the merchant number of the target member.

[0119] 503. Determine the effective start time and effective end time based on the statistical period, and fill the effective start time and effective end time into the effective start time field and the effective end time field respectively;

[0120] 504. Configure the optimal withdrawal method and data card for the target member in the level determination result, and fill the optimal withdrawal method and the data card into the withdrawal method field and the data card configuration field.

[0121] In this embodiment of the invention, the current execution end manages target member merchants on the platform by creating a target member configuration table corresponding to the current statistical period. The target member configuration table includes fields such as Merchant ID, Merchant Member ID, Effective Start Time, Effective End Time, Payment Method, and Data Card Configuration, which are not specifically limited in this embodiment. Next, a Merchant Member ID is configured for the target member in the level determination result, and is entered into the Merchant Member ID field along with the target member's Merchant ID. Then, the effective start time and effective end time are determined based on the statistical period, and are entered into the Effective Start Time field and Effective End Time field respectively. The effective start time and effective end time are determined according to the statistical period. If the statistical period is a complete month, the effective start time is the early morning of the 1st of the month, and the effective end time is the early morning of the last day of the month, etc., which are not specifically limited in this embodiment. Then, the optimal withdrawal method and traffic card are configured for the target members in the level determination results, and the optimal withdrawal method and the traffic card are filled into the withdrawal method field and the traffic card configuration field. For example, if the optimal withdrawal method is "D+1", then the withdrawal method "D+1" is configured for the target members. The traffic card can be understood as a virtual resource or benefit card, mainly used to increase the merchant's exposure or traffic on the platform. Examples include product recommendation slots, search weighting, and homepage exposure, thereby helping merchants increase sales.

[0122] This invention provides a method for configuring merchant levels. Compared with existing technologies, this invention receives notification information from a big data platform indicating the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals. Based on this notification information, it obtains an integrated merchant list file from the big data platform, achieving efficient data integration while reducing the business pressure on the e-commerce platform. Furthermore, this invention obtains a pre-set merchant level determination strategy and performs level determination processing on each merchant in the e-commerce platform based on the strategy and the integrated merchant list file, obtaining a level determination result corresponding to each merchant. Based on the level determination result, different merchant rights are configured for each merchant, allowing each merchant to operate within the corresponding rights scope. This achieves standardized merchant level and rights configuration, simplifies merchant supervision, and clarifies the incentive mechanism. Using this method, high-quality or high-potential merchants can be quickly identified, resource allocation can be more targeted, and it helps improve the overall development level of the platform and user experience.

[0123] As a response to the above Figure 1 The implementation of the method shown in this invention provides a merchant level configuration device, such as... Figure 7As shown, the device includes:

[0124] The notification receiving module 61 is used to receive notification information from the big data platform after the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals and e-commerce platform terminals.

[0125] The file acquisition module 62 is used to acquire a merchant list integration file from the big data platform based on the notification information; the merchant list integration file contains multiple fields for merchant level configuration;

[0126] The rating determination module 63 is used to obtain a preset merchant rating determination strategy, and perform rating determination processing on each merchant in the e-commerce platform based on the merchant rating determination strategy and the merchant list integration file to obtain the rating determination result corresponding to each merchant.

[0127] The configuration module 64 is used to configure different merchant rights for each merchant based on the level determination result, so that each merchant can operate within the corresponding scope of the merchant rights.

[0128] Furthermore, before receiving notification information, the notification receiving module 61 integrates multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals through a big data platform, including:

[0129] The big data platform obtains merchant-related information, transaction-related information, and payment device-related information from the merchant terminal, customer browsing and ordering terminal, and e-commerce platform terminal.

[0130] The merchant-related information, the transaction-related information, and the payment device-related information are cleaned to obtain cleaned data.

[0131] Based on the merchant rating requirements, the cleaned transaction data is statistically processed according to a preset period to obtain the transaction data statistical results.

[0132] The cleaned data and the transaction data statistics results are integrated by field to obtain the merchant list integration file.

[0133] Furthermore, the merchant list integration file includes a merchant member number field, a merchant status field, a net transaction volume field for the previous statistical period, and a field indicating whether a payment device is currently bound; the level determination module 63 is also used for:

[0134] Based on the merchant member number field, determine whether each merchant was a member in the previous statistical period;

[0135] If it is a member, the rating result of each member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period and the merchant status field.

[0136] If the merchant is a non-member, the rating result for each non-member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field.

[0137] Furthermore, the level determination module 63 is also used for:

[0138] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is obtained and compared with a preset first threshold.

[0139] When the net transaction volume of the previous statistical period is greater than the first threshold, obtain the status value in the merchant status field;

[0140] When the status value is normal, the corresponding member merchant is determined to be the target member for the current statistical period.

[0141] Furthermore, the level determination module 63 is also used for:

[0142] The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is compared with a preset second threshold.

[0143] When the net transaction volume of the previous statistical period is greater than the second threshold, the status value in the merchant status field is obtained;

[0144] When the status value is normal, obtain the value in the field of whether the payment device is currently bound, and determine the non-member merchants who have already bound the payment device as the target members of the current statistical period.

[0145] Furthermore, the merchant list integration file also includes characteristic indicator fields; the rating determination module 63 is also used for:

[0146] The net transaction volume of the previous statistical period, the current status of the bound payment device, and the special indicator data are obtained from the merchant list integration file.

[0147] The merchant evaluation value is obtained by performing a weighted summation based on the net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data.

[0148] The corresponding rating result for each merchant is determined based on the merchant evaluation value.

[0149] Furthermore, the configuration module 64 is also used for:

[0150] Create a new target member configuration table corresponding to the current statistical period; the target member configuration table includes a merchant number field, a merchant member number field, an effective start time field, an effective end time field, a payment method field, and a data card configuration field;

[0151] Configure a merchant member number for the target member in the level determination result, and fill in the merchant member number field and the merchant number field together with the merchant number of the target member;

[0152] The effective start time and effective end time are determined based on the statistical period, and the effective start time and effective end time are respectively filled into the effective start time field and the effective end time field;

[0153] Configure the optimal withdrawal method and data card for the target member in the level determination result, and fill the optimal withdrawal method and the data card into the withdrawal method field and the data card configuration field.

[0154] This invention provides a merchant level configuration device. Compared with existing technologies, this invention receives notification information from a big data platform indicating the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals. Based on this notification information, it obtains an integrated merchant list file from the big data platform, achieving efficient data integration while reducing the business pressure on the e-commerce platform. Furthermore, this invention obtains a pre-set merchant level determination strategy and performs level determination processing on each merchant in the e-commerce platform based on the strategy and the integrated merchant list file, obtaining a level determination result corresponding to each merchant. Based on the level determination result, different merchant rights are configured for each merchant, allowing each merchant to operate within the corresponding rights scope. This achieves standardized merchant level and rights configuration, simplifies merchant supervision, and clarifies the incentive mechanism. Using this method, high-quality or high-potential merchants can be quickly identified, resource allocation can be more targeted, and it helps improve the overall development level of the platform and user experience.

[0155] According to one embodiment of the present invention, a storage medium is provided, the storage medium storing at least one executable instruction, the computer-executable instruction being able to execute the merchant level configuration method in any of the above method embodiments.

[0156] Figure 8 The diagram illustrates a structural schematic of a computer device according to an embodiment of the present invention. The specific embodiments of the present invention do not limit the specific implementation of the computer device.

[0157] like Figure 8As shown, the computer device may include: a processor 702, a communications interface 704, a memory 706, and a communications bus 708.

[0158] The processor 702, communication interface 704, and memory 706 communicate with each other via communication bus 708.

[0159] The communication interface 704 is used to communicate with other network elements such as clients or other servers.

[0160] Processor 702 is used to execute program 710, which can specifically execute the relevant steps of the above-mentioned merchant level configuration method.

[0161] Specifically, program 710 may include program code that includes computer operation instructions.

[0162] Processor 702 may be a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement embodiments of the present invention. The computer device includes one or more processors, which may be processors of the same type, such as one or more CPUs; or they may be processors of different types, such as one or more CPUs and one or more ASICs.

[0163] Memory 706 is used to store program 710. Memory 706 may include high-speed RAM memory, and may also include non-volatile memory, such as at least one disk storage device.

[0164] Specifically, program 710 can be used to cause processor 702 to perform the following operations:

[0165] Receive notifications from the big data platform indicating the completion of the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals;

[0166] Based on the notification information, a merchant list integration file is obtained from the big data platform; the merchant list integration file contains multiple fields for merchant level configuration;

[0167] Obtain a preset merchant rating strategy, and perform rating judgment processing on each merchant in the e-commerce platform based on the merchant rating strategy and the merchant list integration file to obtain the rating judgment result corresponding to each merchant.

[0168] Based on the rating results, different merchant rights are configured for each merchant so that each merchant can operate within the corresponding scope of the merchant rights.

[0169] It is obvious to those skilled in the art that the modules or steps of the present invention described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. Optionally, they can be implemented using computer-executable program code, thereby storing them in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those presented herein, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, the present invention is not limited to any particular combination of hardware and software.

[0170] The above description is merely a preferred embodiment of the present invention and is not intended to limit the invention. Various modifications and variations can be made to the present invention by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for configuring merchant levels, characterized in that, Applied to e-commerce platforms, including: Receive notifications from the big data platform indicating the completion of the integration of multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals; Based on the notification information, a merchant list integration file is obtained from the big data platform; the merchant list integration file contains multiple fields for merchant level configuration; Obtain a preset merchant rating strategy, and perform rating judgment processing on each merchant in the e-commerce platform based on the merchant rating strategy and the merchant list integration file to obtain the rating judgment result corresponding to each merchant. Based on the rating results, different merchant rights are configured for each merchant so that each merchant can operate within the corresponding scope of the merchant rights.

2. The method according to claim 1, characterized in that, The big data platform integrates multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals, including: The big data platform obtains merchant-related information, transaction-related information, and payment device-related information from the merchant terminal, customer browsing and ordering terminal, and e-commerce platform terminal. The merchant-related information, the transaction-related information, and the payment device-related information are cleaned to obtain cleaned data. Based on the merchant rating requirements, the cleaned transaction data is statistically processed according to a preset period to obtain the transaction data statistical results. The cleaned data and the transaction data statistics results are integrated by field to obtain the merchant list integration file.

3. The method according to claim 1, characterized in that, The merchant list integration file includes the merchant member number field, the merchant status field, the net transaction volume field of the previous statistical period field, and the field of whether a payment device is currently bound. The process of classifying merchants on the e-commerce platform based on the merchant classification strategy and the integrated merchant list file to obtain classification results corresponding to each merchant includes: Based on the merchant member number field, determine whether each merchant was a member in the previous statistical period; If it is a member, the rating result of each member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period and the merchant status field. If the merchant is a non-member, the rating result for each non-member merchant in the current statistical period is determined based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field.

4. The method according to claim 3, characterized in that, The determination of the rating result of each member merchant in the current statistical period based on the net transaction volume field of the previous statistical period and the merchant status field includes: The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is obtained and compared with a preset first threshold. When the net transaction volume of the previous statistical period is greater than the first threshold, obtain the status value in the merchant status field; When the status value is normal, the corresponding member merchant is determined to be the target member for the current statistical period.

5. The method according to claim 3, characterized in that, The determination of the rating result for each non-member merchant in the current statistical period based on the net transaction volume field of the previous statistical period, the merchant status field, and the current binding of a payment device field includes: The net transaction volume of the previous statistical period in the net transaction volume field of the previous statistical period is compared with a preset second threshold. When the net transaction volume of the previous statistical period is greater than the second threshold, the status value in the merchant status field is obtained; When the status value is normal, obtain the value in the field of whether the payment device is currently bound, and determine the non-member merchants who have already bound the payment device as the target members of the current statistical period.

6. The method according to claim 3, characterized in that, The merchant list integration file also includes special indicator fields; The process of classifying merchants on the e-commerce platform based on the merchant classification strategy and the integrated merchant list file to obtain classification results corresponding to each merchant includes: The net transaction volume of the previous statistical period, the current status of the bound payment device, and the special indicator data are obtained from the merchant list integration file. The merchant evaluation value is obtained by performing a weighted summation based on the net transaction volume of the previous statistical period, the status of the currently bound payment device, and the characteristic indicator data. The corresponding rating result for each merchant is determined based on the merchant evaluation value.

7. The method according to any one of claims 1 to 6, characterized in that, The process of configuring different merchant rights for each merchant based on the grade determination result, so that each merchant can operate within the corresponding scope of the merchant rights, includes: Create a new target member configuration table corresponding to the current statistical period; the target member configuration table includes a merchant number field, a merchant member number field, an effective start time field, an effective end time field, a payment method field, and a data card configuration field; Configure a merchant member number for the target member in the level determination result, and fill in the merchant member number field and the merchant number field together with the merchant number of the target member; The effective start time and effective end time are determined based on the statistical period, and the effective start time and effective end time are respectively filled into the effective start time field and the effective end time field; Configure the optimal withdrawal method and data card for the target member in the level determination result, and fill the optimal withdrawal method and the data card into the withdrawal method field and the data card configuration field.

8. A merchant level configuration device, characterized in that, include: The notification receiving module is used to receive notification information from the big data platform after it has integrated multi-source heterogeneous data from merchant terminals, customer browsing and ordering terminals, and e-commerce platform terminals. The file acquisition module is used to acquire a merchant list integration file from the big data platform based on the notification information; the merchant list integration file contains multiple fields for merchant level configuration; The rating determination module is used to obtain a preset merchant rating determination strategy, and perform rating determination processing on each merchant in the e-commerce platform based on the merchant rating determination strategy and the merchant list integration file to obtain the rating determination result corresponding to each merchant. The configuration module is used to configure different merchant rights for each merchant based on the level determination result, so that each merchant can operate within the corresponding scope of the merchant rights.

9. A storage medium, characterized in that, The storage medium stores at least one executable instruction that performs the operation corresponding to the merchant level configuration method as described in any one of claims 1-7.

10. A computer device, characterized in that, It includes a processor, a memory, a communication interface, and a communication bus, wherein the processor, the memory, and the communication interface communicate with each other through the communication bus; The memory is used to store at least one executable instruction that causes the processor to perform the operation corresponding to the merchant level configuration method as described in any one of claims 1-7.

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