Revenue determination method and right management system based on multiple bank accounts

Abstract

The invention belongs to the technical field of computers and communication, and discloses a revenue determination method and a right management system based on multiple bank accounts, and the method comprises the steps: responding to a right service opening request and a card binding request submitted by a user through an online channel, and obtaining the bank card information of the user; calling an application program interface provided by the cooperative bank to obtain monthly and daily average deposit information of the user; based on the monthly daily average deposit information, calculating a user grade and a total cash return amount of the user; calling a bank interface through a timed task, and obtaining the flow information of the bank card in the previous day; identifying and summarizing effective operational pipeline information; based on the effective operational pipeline information, calculating a daily cash-back amount; and accumulating the daily cash-back amount to obtain monthly accumulated cash-back, and when the monthly accumulated cash-back does not exceed the total cash-back amount, generating a cash-back instruction to call a bank transfer interface to complete cash-back. The limitation of seasonal settlement of the live deposit is broken through, and the problems of long settlement time and incapability of ensuring high flowability of funds are solved.

Description

Technical Field

[0001] This invention belongs to the field of computer and communication technology, and specifically relates to a method for determining income and a rights management system based on multiple bank accounts. Background Technology

[0002] Demand deposits are a type of bank deposit that can be deposited, withdrawn, and transferred at any time without prior notice, making them particularly suitable for users with high liquidity needs. However, demand deposits pay interest quarterly, requiring users to wait several months to receive interest, which is inconvenient if they wish to use the interest funds immediately. For users holding large amounts of principal, the long interest payment cycle may also affect their liquidity.

[0003] Compared to time deposits, demand deposits generally offer lower interest rates. With changes in the financial market environment, banks have further reduced the annual interest rate for demand deposits from 0.15% to 0.10%. While this adjustment helps lower banks' funding costs, it also significantly reduces deposit returns for users. To improve returns, users typically need to manually select high-interest savings products from different banks and diversify their funds. This is not only time-consuming and labor-intensive but also reflects the fact that the inherent quarterly settlement model of demand deposits cannot meet users' needs for flexible and high-frequency returns.

[0004] As a result, banks have gradually lost a large number of customers in their demand deposit business. In response to this situation, there is an urgent need to introduce a new method for determining returns to improve user experience and adapt to the needs of modern money management. Summary of the Invention

[0005] To shorten the interest settlement period and ensure high liquidity of user funds, firstly, this invention proposes a method for determining returns based on multiple bank accounts, which operates in an equity management system, including: In response to user requests to activate benefits and bind cards submitted through online channels, obtain user bank card information; Call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information; Based on the average daily deposit information, the user level is calculated according to the preset conversion rules, and the total cashback amount of the user is calculated based on the user level and the pre-configured parameters. The bank's transaction history for the previous day is obtained by calling the bank's interface through a scheduled task; The transaction information is subjected to keyword matching processing to identify and summarize valid operational transaction information; Based on the aforementioned effective operating cash flow information and the preset cashback ratio, the daily cashback amount is calculated; The cumulative daily cashback amount is used to obtain the monthly cumulative cashback. If the monthly cumulative cashback does not exceed the total cashback amount, a withdrawal instruction is generated to call the bank transfer interface to complete the cashback.

[0006] In one possible implementation, the step of obtaining the user's bank card information in response to the user's request to activate benefits services and bind a bank card submitted through online channels includes: Receive basic information and a statement of willingness to open rights and services submitted by users through online channels, including H5 web pages and PC pages; Once the basic information is approved, the benefits and services will be successfully activated. Receive a card binding request submitted by a user through online channels, wherein the card binding request includes the bank card number used to open the benefit service; If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. If a partner bank corresponding to the bank card has already been configured, the bank card information will be matched, and the card binding will be successful.

[0007] In one possible implementation, the step of calculating the user level based on the average daily deposit information according to a preset conversion rule, and calculating the user's total cashback amount based on the user level and pre-configured parameters, includes: If a partner bank corresponding to the bank card has not yet been configured, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

[0008] In one possible implementation, the method further includes: If a partner bank corresponding to the bank card has already been configured, set the user level to the default level and set the user's total cashback limit to a fixed amount.

[0009] In one possible implementation, if the monthly cumulative cashback exceeds the total cashback amount, the method further includes: The cumulative daily cashback amount is used to obtain the monthly cumulative cashback for the previous day; Determine the difference in earnings between the previous day's cumulative monthly cashback and the total cashback amount; Generate a withdrawal instruction to call the bank transfer interface to complete the cashback.

[0010] Secondly, this application provides a rights management system, the system comprising: The bank card information acquisition module is used to obtain the user's bank card information in response to the user's request to open a benefit service and bind a card submitted through online channels; The deposit information acquisition module is used to call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information. The total cashback amount determination module is used to calculate the user level based on the average daily deposit information of the month according to the preset conversion rules, and to calculate the user's total cashback amount based on the user level and the pre-configured parameters; The transaction information acquisition module is used to call the bank interface through a scheduled task to obtain the transaction information of the bank card for the previous day; The effective transaction flow determination module is used to perform keyword matching processing on the transaction flow information, identify and summarize effective operational transaction flow information; The daily cashback amount determination module is used to calculate the daily cashback amount based on the effective operating cash flow information and the preset cashback ratio; The cashback module is used to accumulate the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, it generates a withdrawal instruction to call the bank transfer interface to complete the cashback.

[0011] In one possible implementation, the bank card information acquisition module is specifically used for: Receive basic information and a statement of willingness to open rights and services submitted by users through online channels, including H5 web pages and PC pages; Once the basic information is approved, the benefits and services will be successfully activated. Receive a card binding request submitted by a user through online channels, wherein the card binding request includes the bank card number used to open the benefit service; If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. If a partner bank corresponding to the bank card has already been configured, the bank card information will be matched, and the card binding will be successful.

[0012] In one possible implementation, the total cashback amount determination module is specifically used for: If a partner bank corresponding to the bank card has not yet been configured, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

[0013] In one possible implementation, the total cashback amount determination module is further configured to: If a partner bank corresponding to the bank card has already been configured, set the user level to the default level and set the user's total cashback limit to a fixed amount.

[0014] Thirdly, the present invention provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements any of the above-described methods for determining revenue.

[0015] This invention provides a method for determining returns based on multiple bank accounts. Running within a rights management system, it responds to user requests for rights service activation and card binding submitted online, obtaining user bank card information; it calls an application programming interface (API) provided by a partner bank to obtain the user's average daily deposit information; based on the average daily deposit information, it calculates the user's level according to preset conversion rules, and calculates the user's total cashback amount based on the user level and pre-configured parameters; it calls a bank interface via a scheduled task to obtain the bank card's transaction history from the previous day; it performs keyword matching on the transaction history to identify and summarize valid business transaction information; based on the valid business transaction information and a preset cashback ratio, it calculates the daily cashback amount; it accumulates the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, it generates a withdrawal instruction to call the bank transfer interface to complete the cashback. This method overcomes the limitation of quarterly settlement for demand deposits, solving the problem of long interest settlement periods and the inability to guarantee high liquidity of funds. Attached Figure Description

[0016] Figure 1 A flowchart illustrating the revenue determination method provided in an embodiment of the present invention; Figure 2 A schematic diagram of the overall structure of the revenue determination method provided in the embodiments of the present invention. Detailed Implementation

[0017] The present invention will be described in detail below through embodiments.

[0018] Demand deposits are a type of bank deposit that can be deposited, withdrawn, and transferred at any time without prior notice, making them particularly suitable for users with high liquidity needs. However, demand deposits pay interest quarterly, requiring users to wait several months to receive interest, which is inconvenient if they wish to use the interest funds immediately. For users holding large amounts of principal, the long interest payment cycle may also affect their liquidity.

[0019] Compared to time deposits, demand deposits generally offer lower interest rates. With changes in the financial market environment, banks have further reduced the annual interest rate for demand deposits from 0.15% to 0.10%. While this adjustment helps lower banks' funding costs, it also significantly reduces deposit returns for users. To improve returns, users typically need to manually select high-interest savings products from different banks and diversify their funds. This is not only time-consuming and labor-intensive but also reflects the fact that the inherent quarterly settlement model of demand deposits cannot meet users' needs for flexible and high-frequency returns.

[0020] As a result, banks have gradually lost a large number of customers in their demand deposit business. In response to this situation, there is an urgent need to introduce a new method for determining returns to improve user experience and adapt to the needs of modern money management.

[0021] To shorten the interest settlement period and ensure high liquidity of user funds, firstly, see... Figure 1 This invention proposes a method for determining returns based on multiple bank accounts, which operates in an equity management system. The method includes: S101, in response to a user's request to activate benefits services and bind a bank card submitted through online channels, obtains the user's bank card information.

[0022] Specifically, this can be achieved through the following five steps: Step 1: Receive basic information and a statement of willingness to open a rights and services account submitted by users through online channels, including H5 web pages and PC pages; Step two: Once the basic information is approved, the benefits and services are successfully activated. Step 3: Receive a card binding request submitted by the user through online channels. The card binding request includes the bank card number used to open the benefit service. Step 4: If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. Step 5: If a partner bank has already been configured for the bank card, match the bank information of the bank card, and the card binding will be successful.

[0023] Users need to submit an application to activate the benefits service first, and then bind their bank card. The card binding process verifies that the bank card used to activate the benefits service belongs to the user. If the benefits management system does not have a corresponding partner bank configured, it needs to call the application programming interface (API) provided by the partner bank to find the user's official bank card information. If the official bank card information matches the bank card in the user's card binding request, the binding is successful, and subsequent cashback can be deposited into this bank card. If the benefits management system has a corresponding partner bank configured, card binding can be achieved with only simple verification, such as identifying the first six digits of the bank card number in the binding request and determining which bank the card belongs to; in this case, the binding is successful.

[0024] S102, call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information.

[0025] S103, based on the monthly average daily deposit information, calculate the user level according to the preset conversion rules, and calculate the user's total cashback amount based on the user level and the pre-configured parameters.

[0026] User level is closely related to the user's average daily deposit information. The larger the user's asset size, the higher the level obtained, and the larger the calculated total cashback amount. Specifically, if the bank card has not yet been configured with a corresponding partner bank, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

[0027] However, if a partner bank corresponding to the bank card has already been configured, the user level should be set to the default level, and the user's total cashback limit should be set to a fixed amount.

[0028] S104, the bank interface is called through a scheduled task to obtain the previous day's transaction information of the bank card.

[0029] S105, perform keyword matching processing on the transaction information to identify and summarize valid operational transaction information.

[0030] The system obtains and stores the user's valid business transaction information by using precise or fuzzy matching of keyword information (such as the name of the trading counterparty).

[0031] S106. Based on the effective operating cash flow information and the preset cashback ratio, calculate the daily cashback amount.

[0032] The daily cashback amount is calculated by multiplying the previous day's valid operating cash flow information by a preset cashback ratio.

[0033] S107, accumulate the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, generate a withdrawal instruction to call the bank transfer interface to complete the cashback.

[0034] If the accumulated monthly cashback does not exceed the total cashback amount, then the cashback will be calculated based on the daily cashback amount.

[0035] If the monthly cumulative cashback exceeds the total cashback amount, the daily cashback amount can also be accumulated to obtain the previous day's monthly cumulative cashback. Determine the difference in earnings between the previous day's cumulative monthly cashback and the total cashback amount; Generate a withdrawal instruction to call the bank transfer interface to complete the cashback.

[0036] If the monthly cumulative cashback exceeds the total cashback amount, and the daily cashback amount cannot be paid on schedule, you can calculate the difference between the previous day's monthly cumulative cashback and the total cashback amount, generate a withdrawal instruction, and call the bank transfer interface to complete the cashback for that day.

[0037] This invention provides a method for determining returns based on multiple bank accounts. Running within a rights management system, it responds to user requests for rights service activation and card binding submitted online, obtaining user bank card information; it calls an application programming interface (API) provided by a partner bank to obtain the user's average daily deposit information; based on the average daily deposit information, it calculates the user's level according to preset conversion rules, and calculates the user's total cashback amount based on the user level and pre-configured parameters; it calls a bank interface via a scheduled task to obtain the bank card's transaction history from the previous day; it performs keyword matching on the transaction history to identify and summarize valid business transaction information; based on the valid business transaction information and a preset cashback ratio, it calculates the daily cashback amount; it accumulates the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, it generates a withdrawal instruction to call the bank transfer interface to complete the cashback. This method overcomes the limitation of quarterly settlement for demand deposits, solving the problem of long interest settlement periods and the inability to guarantee high liquidity of funds.

[0038] The implementation of this application will now be described through another process.

[0039] S201. Determine the user's level information in the rights and benefits services.

[0040] Here, "user" refers to anyone who wants to earn interest through a rights service, including merchants, ordinary individuals, and institutions. The rights service is the business provided by this invention for determining returns. For merchants, the level information can be set through four dimensions: credit status and operational capability, merchant contribution, merchant level, and merchant contribution star rating. When setting merchant level information according to credit status and operational capability, it includes: high-quality merchant, good merchant, ordinary merchant, and high-risk merchant; when setting merchant level information according to merchant contribution, it includes: high-contribution merchant, medium-contribution merchant, and low-contribution merchant; when setting merchant level information according to merchant level, it includes: A-level top merchant, B-level mid-tier merchant, C-level mid-tier merchant, D-level mid-tier merchant, and E-level ordinary merchant; when setting merchant level information according to merchant contribution, it includes: seven-star customer, six-star customer, five-star customer, four-star customer, three-star customer, and near-star customer.

[0041] The revenue determination method provided by this invention is implemented through an equity management system, which can be applied to devices such as tablet computers, mobile phones, and bank teller machines.

[0042] S202. Based on the level information, determine the user's total monthly revenue.

[0043] Users at different levels receive different benefits from the privilege services, and the total monthly earnings of a user need to be determined based on the level information.

[0044] S203. Obtain the daily transaction information of the bank card for which the user has opened the benefit service.

[0045] Daily transaction history can show a user's cash flow within a day.

[0046] In one example, a scheduled task can be set up for the earnings system to periodically query the bank interface of the bank where the user's bank card for the benefits service was opened. When the query time arrives, the earnings system obtains the bank card's daily transaction information for the day preceding the earnings date, including transaction time, transaction counterparty, transaction amount, and transaction type (such as income, consumption, withdrawal, transfer, etc.). This daily transaction information is then filtered to obtain valid daily transaction information. Specifically, the earnings system can obtain and store the user's corresponding valid inflow transaction information through exact matching or fuzzy matching of keyword information (such as the counterparty's name).

[0047] A bank interface refers to a series of application programming interfaces (APIs) or other connection methods opened by a bank to achieve data interaction and business integration with external systems (such as corporate financial systems, third-party payment platforms, etc.). Among these, the payment and settlement interface supports external systems in initiating payment instructions to complete the transfer and settlement of funds. For example, when an e-commerce platform completes an order payment, it calls the bank's payment and settlement interface to transfer funds from the user's account to the merchant's account. These records constitute transaction history, and the revenue system in this invention can query bank card transaction information through a transaction history query interface.

[0048] In this embodiment of the invention, by preprocessing the daily transaction information, valid daily transaction information can be obtained, which can accurately obtain the fund flow of the bank card, thus laying the groundwork for subsequent profit calculation.

[0049] S204. Based on the daily transaction information, determine the user's daily earnings on the earnings day.

[0050] The user's daily earnings on the payday are determined by multiplying the aforementioned daily valid transaction data with a preset ratio. A specific calculation method is as follows: Daily revenue = SUM (Daily valid transaction data) * 0.1%.

[0051] Compared to the fixed interest rate in demand deposits, this embodiment of the invention dynamically calculates the daily income that users should receive based on the daily valid transaction information. As a result, the latter is more attractive to users because of its higher interest rate.

[0052] In this embodiment of the invention, by obtaining the bank card's valid daily transaction information on the day before the payout date, and determining the user's daily payout on the payout date based on the valid daily transaction information, the interest settlement time is greatly shortened. Furthermore, the faster the user's funds flow, the more payout they will receive. This significantly improves the user's payout while ensuring high liquidity of the user's funds.

[0053] S205. Based on the total monthly revenue and the daily revenue, return the daily revenue to the user on a daily basis.

[0054] After determining a user's daily earnings, the daily earnings can be returned to the user on the earnings day. The method for determining returns provided by this invention determines a user's total monthly returns by identifying their level information in the benefits service; it determines the user's daily returns on the return date by obtaining the daily transaction information of the bank card used to open the benefits service; and finally, based on the total monthly returns and the daily returns, it returns the daily returns to the user on a daily basis. This method overcomes the limitation of quarterly settlement for demand deposits and solves the problem of long interest settlement periods and the inability to guarantee high liquidity of funds.

[0055] In one example, prior to the step of determining the user's level information in the benefits service, the method further includes: S301, Receive user's request to open a rights service.

[0056] Users can activate benefits services themselves or through business promoters, bank account managers, or revenue system operators. The revenue system supports online activation of benefits services via H5 (HyperText Markup Language 5) web pages and PC (Personal Computer) pages. For customers with new bank cards, offline card activation service is required through a bank account manager, who will then submit the application for benefits services.

[0057] S302. Obtain the user's basic information.

[0058] During the process of opening a rights and benefits service, the following basic information must be submitted: personal user's ID card, mobile phone number, name, etc.; individual business owner's business license, legal representative's ID card information and photo, etc.; and a written statement of whether or not they are willing to apply for the rights and benefits service.

[0059] S303. When the basic information is approved, the rights and benefits service is successfully activated.

[0060] If the revenue system receives the above basic information and finds no non-compliance during the review, the revenue service will be successfully activated.

[0061] In this embodiment of the invention, by having users apply to open a rights and benefits service, users who open a rights and benefits service are provided with cashback to ensure the rights and interests of users who open a rights and benefits service.

[0062] In one example, step S201 above includes: S401. In response to the user's card binding request, if the bank card information of the bank card for which the benefits service is activated has not been configured, the bank card information and deposit information of the bank card are obtained through a preset interface.

[0063] After the user benefits service is successfully activated, a bank card binding operation is required. When the user submits the bank card binding information, if the corresponding cooperating bank for the bank card for which the benefits service is activated has not yet been configured in the earnings system, the earnings system will automatically call the interface provided by the bank to obtain the bank card information and deposit information of the aforementioned bank card.

[0064] The interfaces provided by banks refer to a series of application programming interfaces (APIs) or other connection methods that banks open to achieve data interaction and business integration with external systems (such as corporate financial systems, third-party payment platforms, etc.). These interfaces have various functions and uses, including data query interfaces: external systems can use this interface to query information such as account balances, transaction details, and account status. In this invention, the revenue system can query bank card deposit information through the data query interface.

[0065] Bank Card Information Interface: Used to obtain basic bank card information, mainly including card information and account-related information. Card information includes: Card Number: This is the unique identifier of the bank card, consisting of 13-19 digits. Different number segments represent different meanings such as the issuing bank identification code, custom digits, and check digits. Validity Period: Usually in the format of "month / year," such as "06 / 28," indicating an expiration date of June 2028. After the expiration date, the card will be unusable. Cardholder Name: Displays the name of the bank card holder in pinyin, used to confirm the account owner's identity. Issuing Bank Identification: The front of the bank card displays the name and logo of the issuing bank, representing the financial institution to which the card belongs. Bank Card Brand Identification: For example, the UnionPay logo, indicating the payment and clearing network to which the card belongs.

[0066] Account-related information includes: Account holder information: including name, ID number, contact information, and address. This information is mandatory for bank account opening and is used to verify customer identity and establish contact. Account type: Common types include debit cards and credit cards. Debit cards are linked to the user's current or fixed deposit account at the bank, and payments are deducted directly from the account balance. Credit cards provide users with a credit limit, allowing them to overdraft within that limit and repay within a specified repayment period. Account opening date: the specific date the user opened the bank card account. Bank information: including the bank name, specific branch name, and address, which may be used for interbank transfers and other transactions. These interfaces must strictly adhere to relevant privacy and security regulations when used.

[0067] Bank interfaces facilitate interconnectivity between different systems, promoting the automation and digitalization of financial transactions and improving business processing efficiency and user experience. At the same time, banks also implement a series of security measures to ensure the security and stability of these interfaces, preventing data breaches and financial risks.

[0068] S402. Determine the user's level information based on the deposit information.

[0069] The determination of user level information is based on the total size of their corresponding deposits and other financial assets, which are discounted according to a specific coefficient.

[0070] In one example, when user level information is set according to credit status and business capabilities, and divided into high-quality users, good users, ordinary users, and risky users; if a user has a deposit of 100,000 yuan and owns a house worth 1 million yuan, and the deposit and property are converted according to a specific coefficient, it is calculated that the user level should be classified as a good user, then the user level information can be determined as a good user.

[0071] When user level information is set according to the user contribution dimension, and divided into high contribution users, medium contribution users, and low contribution users; if a user has a deposit of 300,000 yuan and owns a car worth 150,000 yuan, and the deposit and car are converted according to a specific coefficient, it is calculated that the user level should be classified as a medium contribution user, then the user level information can be determined as a medium contribution user.

[0072] When user level information is set according to user level dimension, and divided into A-level top users, B-level mid-tier users, C-level mid-tier users, D-level mid-tier users, and E-level ordinary users; if a user's deposit is 700,000 yuan, and the deposit is converted according to a specific coefficient, it is calculated that the user's level should be classified as C-level mid-tier user, then the user's level information can be determined as C-level mid-tier user.

[0073] When user level information is set according to the user contribution dimension, and divided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers, and near-star customers, if a user's deposit is 50 million yuan, and the deposit is converted according to a specific coefficient, it is calculated that the user's level should be classified as a seven-star customer, then the user's level information can be determined as a seven-star customer.

[0074] The above conversion method can be to set weights for deposit information and other financial assets respectively. For example, the weight of deposit information is greater than the weight of other financial assets. The deposit information and other financial assets are weighted and summed, and then matched with the pre-defined level information to complete the determination of user level information.

[0075] S403. If the bank card information of the bank card for which the benefit service has been configured has been configured, initialize the user's level information to the default level.

[0076] After a user submits their card binding information, if the system has already configured the corresponding partner bank for the card used to open the benefits service, the system will automatically identify the submitted bank card information. If a matching bank is found, the card binding will be successfully stored.

[0077] When user level information is set according to credit status and business capabilities, and divided into premium users, good users, ordinary users, and risky users, the default level is ordinary users.

[0078] When user level information is set according to user contribution, and divided into high contribution users, medium contribution users, and low contribution users, the default level is low contribution users.

[0079] When user level information is set according to user level dimension, and divided into A-level top users, B-level mid-tier users, C-level mid-tier users, D-level mid-tier users, and E-level ordinary users, the default level is E-level ordinary users.

[0080] When user level information is set according to user contribution, and divided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers, and near-star customers, the default level is near-star customers.

[0081] In this embodiment of the invention, when obtaining bank card information, user level information can be set. In addition, the level information of all users who have opened benefit services can be set through default settings, and the benefits can be returned according to the user level information.

[0082] In one example, step S202 above includes: If the user's level information is the default level, the user's total monthly earnings will be the preset total earnings.

[0083] If the user's level information is not the default level, the first parameter corresponding to the user is determined based on the deposit information, and the second parameter corresponding to the user is determined based on the bank to which the bank card for opening the benefit service belongs. The user's total monthly income is determined according to the first parameter and the second parameter.

[0084] Once a user's new card is successfully set to its initial level, it will be set as the default level, specifying a certain value for the user's total monthly earnings, such as 100 or 500.

[0085] If a user's level information is determined based on their deposit information rather than a default level, the earnings system calculates the user's total monthly earnings based on that level information, using the following formula: The user's total monthly earnings = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Parameter description: The first parameters, namely T and G, are derived from the deposit information provided by the bank interface and are set in the backend of the earnings system management.

[0086] The second parameter, namely H and F, is the revenue system configuration parameter, which can be adjusted according to the specific requirements of different partner banks.

[0087] In this embodiment of the invention, different benefits are returned to the user based on the user's level information and the bank to which the bank card belongs, thus returning the benefits that the user is entitled to more accurately.

[0088] In one example, step S205 specifically includes: Step 1: Based on the user's daily earnings, calculate the user's total earnings up to the earnings day. Step 2: If the total revenue is greater than the total revenue for the month, stop returning the daily revenue to the user; Step 3: If the total revenue is not greater than the total revenue for the month, return the daily revenue to the user on a daily basis.

[0089] Total revenue = , where i represents the day, n is the total number of days in the month, and the daily withdrawable amount i is the daily earnings on the i-th day.

[0090] If the total earnings exceed the user's total earnings for the month, the user's cashback amount has reached the limit, and no further cashback will be recorded for the month. Otherwise, cashback will continue to be recorded. Specifically, the earnings system can periodically read the daily earnings to be cashed back, one or more records, generate withdrawal records for manual transfer or automatic API call withdrawal.

[0091] In this embodiment of the invention, if the total revenue is not greater than the total revenue for the current month, the daily revenue can be returned to the user on the revenue day, which greatly shortens the interest settlement time.

[0092] In one example, if the total revenue is greater than the total revenue for the current month, the method further includes: The statistics are based on the cumulative earnings of users up to the day before the earnings date; Determine the difference between the accumulated revenue and the total revenue for the current month; On the payout date, the user will receive the payout corresponding to the payout difference.

[0093] For example, if a user's total monthly earnings are 1000, and the daily earnings calculated on the earnings day are 50, the total earnings calculated up to the earnings day are 1010, which falls under the category of total earnings exceeding the total monthly earnings. The cumulative earnings calculated up to the day before the earnings day are 960. It can be seen that there is a difference of 40 between the cumulative earnings and the total monthly earnings. Therefore, on the earnings day, the cashback cannot be returned to the user based on the daily earnings of the earnings day, but rather based on the difference of 40 between the cumulative earnings and the total monthly earnings. Furthermore, since the cashback amount for the total monthly earnings has already been completed for the month, no further cashback will be returned to the user until the end of the month.

[0094] In this embodiment of the invention, the cashback situation for users is taken into account when the total revenue is greater than the total revenue for the current month, so as to protect the interests of users to the greatest extent.

[0095] The rights and interests management system provided by this invention is applied to the implementation and management of the entire process of managing bank account opening services, information collection, merchant settlement account operating flow collection, merchant rating settings, cashback settings, and rights and interests settlement.

[0096] This method mainly includes the following steps: During the merchant bank account opening service phase, merchants, promoters, bank account managers, system administrators, and other related parties can conduct account opening and card binding operations online via an H5 page, either individually or through their account managers.

[0097] During the merchant rating setup phase, merchants who have successfully opened and bound their accounts can manually set their rating levels through the console; or they can set their rating levels by obtaining basic data such as the merchant's bank settlement card and monthly credit limit information through the bank interface.

[0098] During the merchant settlement account operational transaction data collection phase, the operational transaction data of the merchant's bank settlement account is obtained through an interface.

[0099] During the settlement and cashback setup phase, a scheduled task reads the merchant's rating level, extracts the cashback amount data based on the merchant's rating, and generates a cashback record to be cashed back.

[0100] During the equity fee settlement phase, a scheduled task reads the pending cashback records to generate withdrawal records, and the equity fees are then withdrawn to the account.

[0101] This invention enables full-process control over the opening of rights accounts, card binding, merchant rating settings, cashback settings, and rights settlement.

[0102] See Figure 2The diagram shows the overall structure of the solution in this embodiment of the invention. Users and business promoters can apply to the revenue system for the opening of rights and benefits services. In addition to applying to the revenue system for the opening of rights and benefits services, bank reviewers can also modify / review the application and set user level information. The revenue system is responsible for querying and obtaining bank settlement card information, bank settlement account transaction information, and user monthly quota information from the bank.

[0103] Secondly, this application also provides a rights management system, the system comprising: The bank card information acquisition module is used to obtain the user's bank card information in response to the user's request to open a benefit service and bind a card submitted through online channels; The deposit information acquisition module is used to call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information. The total cashback amount determination module is used to calculate the user level based on the average daily deposit information of the month according to the preset conversion rules, and to calculate the user's total cashback amount based on the user level and the pre-configured parameters; The transaction information acquisition module is used to call the bank interface through a scheduled task to obtain the transaction information of the bank card for the previous day; The effective transaction flow determination module is used to perform keyword matching processing on the transaction flow information, identify and summarize effective operational transaction flow information; The daily cashback amount determination module is used to calculate the daily cashback amount based on the effective operating cash flow information and the preset cashback ratio; The cashback module is used to accumulate the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, it generates a withdrawal instruction to call the bank transfer interface to complete the cashback.

[0104] In one possible implementation, the bank card information acquisition module is specifically used for: Receive basic information and a statement of willingness to open rights and services submitted by users through online channels, including H5 web pages and PC pages; Once the basic information is approved, the benefits and services will be successfully activated. Receive a card binding request submitted by a user through online channels, wherein the card binding request includes the bank card number used to open the benefit service; If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. If a partner bank corresponding to the bank card has already been configured, the bank card information will be matched, and the card binding will be successful.

[0105] In one possible implementation, the total cashback amount determination module is specifically used for: If a partner bank corresponding to the bank card has not yet been configured, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

[0106] In one possible implementation, the total cashback amount determination module is further configured to: If a partner bank corresponding to the bank card has already been configured, set the user level to the default level and set the user's total cashback limit to a fixed amount.

[0107] Thirdly, the present invention provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements any of the above-described methods for determining revenue.

[0108] In the above embodiments, implementation can be achieved entirely or partially through software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented entirely or partially as a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of this application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid state disk (SSD)).

[0109] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0110] The various embodiments in this specification are described in a related manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0111] Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention. Those skilled in the art can make changes, modifications, substitutions and variations to the above embodiments within the scope of the present invention without departing from the principles and spirit of the present invention.

Claims

1. A method for determining returns based on multiple bank accounts, operating in an equity management system, characterized in that, The method includes: In response to user requests to activate benefits and bind cards submitted through online channels, obtain user bank card information; Call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information; Based on the average daily deposit information, the user level is calculated according to the preset conversion rules, and the total cashback amount of the user is calculated based on the user level and the pre-configured parameters. The bank's transaction history for the previous day is obtained by calling the bank's interface through a scheduled task; The transaction information is subjected to keyword matching processing to identify and summarize valid operational transaction information; Based on the aforementioned effective operating cash flow information and the preset cashback ratio, the daily cashback amount is calculated; The cumulative daily cashback amount is used to obtain the monthly cumulative cashback. If the monthly cumulative cashback does not exceed the total cashback amount, a withdrawal instruction is generated to call the bank transfer interface to complete the cashback.

2. The method according to claim 1, characterized in that, The process of responding to user requests for activation of benefits and card binding submitted online, and obtaining user bank card information, includes: Receive basic information and a statement of willingness to open rights and services submitted by users through online channels, including H5 web pages and PC pages; Once the basic information is approved, the benefits and services will be successfully activated. Receive a card binding request submitted by a user through online channels, wherein the card binding request includes the bank card number used to open the benefit service; If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. If a partner bank corresponding to the bank card has already been configured, the bank card information will be matched, and the card binding will be successful.

3. The method according to claim 1, characterized in that, The process of calculating the user level based on the average daily deposit information of the month according to a preset conversion rule, and calculating the user's total cashback amount based on the user level and pre-configured parameters, includes: If a partner bank corresponding to the bank card has not yet been configured, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

4. The method according to claim 3, characterized in that, The method further includes: If a partner bank corresponding to the bank card has already been configured, set the user level to the default level and set the user's total cashback limit to a fixed amount.

5. The method according to claim 1, characterized in that, If the monthly cumulative cashback exceeds the total cashback amount, the method further includes: The cumulative daily cashback amount is used to obtain the monthly cumulative cashback for the previous day; Determine the difference in earnings between the previous day's cumulative monthly cashback and the total cashback amount; Generate a withdrawal instruction to call the bank transfer interface to complete the cashback.

6. A rights management system, characterized in that, The system includes: The bank card information acquisition module is used to obtain the user's bank card information in response to the user's request to open a benefit service and bind a card submitted through online channels; The deposit information acquisition module is used to call the application programming interface provided by the cooperating bank to obtain the user's average daily deposit information. The total cashback amount determination module is used to calculate the user level based on the average daily deposit information of the month according to the preset conversion rules, and to calculate the user's total cashback amount based on the user level and the pre-configured parameters; The transaction information acquisition module is used to call the bank interface through a scheduled task to obtain the transaction information of the bank card for the previous day; The effective transaction flow determination module is used to perform keyword matching processing on the transaction flow information, identify and summarize effective operational transaction flow information; The daily cashback amount determination module is used to calculate the daily cashback amount based on the effective operating cash flow information and the preset cashback ratio; The cashback module is used to accumulate the daily cashback amount to obtain the monthly cumulative cashback, and when the monthly cumulative cashback does not exceed the total cashback amount, it generates a withdrawal instruction to call the bank transfer interface to complete the cashback.

7. The system according to claim 6, characterized in that, The bank card information acquisition module is specifically used for: Receive basic information and a statement of willingness to open rights and services submitted by users through online channels, including H5 web pages and PC pages; Once the basic information is approved, the benefits and services will be successfully activated. Receive a card binding request submitted by a user through online channels, wherein the card binding request includes the bank card number used to open the benefit service; If the corresponding partner bank for the bank card has not yet been configured, call the application programming interface provided by the partner bank to obtain the bank card information, compare the bank card information with the bank card number in the card binding request, and if the two match, the card binding is successful. If a partner bank corresponding to the bank card has already been configured, the bank card information will be matched, and the card binding will be successful.

8. The system according to claim 6, characterized in that, The total cashback amount determination module is specifically used for: If a partner bank corresponding to the bank card has not yet been configured, after calling the application programming interface provided by the partner bank to obtain the user's average daily deposit information, the total cashback amount is calculated according to the following formula: Total cashback amount = { (configuration parameter T) * 2 + (configuration parameter G) * F} * H Among them, the T and G parameters are derived from the average daily deposit information of the month and are set through the equity management system backend; the H and F parameters are configuration parameters of the equity management system and are set according to the specific requirements of different partner banks.

9. The system according to claim 8, characterized in that, The total cashback determination module is also used for: If a partner bank corresponding to the bank card has already been configured, set the user level to the default level and set the user's total cashback limit to a fixed amount.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method described in any one of claims 1-5.

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