Integral and payment cooperative processing system based on property heat supply community service

Abstract

The invention relates to the field of intelligent community service, and particularly discloses an integral and payment cooperative processing system based on property heat supply community service. According to the system, through constructing a deep coupling architecture of a property, heat supply and community service integration module, an electronic commerce and point processing module, a financial payment and separate account processing module and a unified data interaction and authority control module, consumption, point generation and circulation of residents in a community scene are realized; and full-process closed-loop cooperation of automatic point deduction and fund division of property, heat supply or community service fees is realized. The system supports two core separate account modes: one is that consumption cash-back funds are temporarily stored and managed by a platform, and are transferred to corresponding service parties when points are deducted; and secondly, consumption cash-back funds are directly distributed to pre-stored accounts of the service parties, points are cancelled after verification in real time when deducted, and the platform only charges fixed service fees, so that the system adapts to diversified business cooperation scenes.

Description

Technical Field

[0001] This invention belongs to the field of smart community services, specifically a points and payment collaborative processing system based on property heating community services. Background Technology

[0002] With the deep integration of mobile internet and community economy, integrated online and offline service platforms catering to residents' lives are gradually emerging. These platforms typically aim to connect property services, community retail, local services, and financial services to build a digital ecosystem based on residential communities. At the technical implementation level, this involves the integration of multiple independent systems, including property management systems (for collecting property fees and managing repair requests), e-commerce platforms, and payment and settlement systems. Currently, the mainstream technical approach to achieving this business integration relies on application programming interfaces (APIs) for data exchange between systems and middleware to handle simple business logic, such as converting consumption amounts into points at a fixed ratio and recording them in the user's account.

[0003] However, existing technical solutions have a significant limitation: the lack of an automated technical architecture that can deeply integrate business logic and achieve cross-system state synchronization and real-time linkage. Specifically, when residents use points earned from consumption to offset property management fees, this operation involves deducting points from their accounts, updating bills in the property management system, and adjusting fund allocation between the platform and the property management company. Currently, these processes are mostly fragmented or only partially automated. For example, points deductions may only be recorded internally by the platform and require manual synchronization to the property management system; fund allocation calculations rely on offline reports for manual verification and adjustment. This disconnect not only leads to lengthy and inefficient processing flows but also easily causes data inconsistencies and fund allocation errors due to the numerous manual interventions, severely restricting the scalability and operational reliability of such integrated ecosystems. Summary of the Invention

[0004] To address the aforementioned technical problems, this invention provides a points and payment collaborative processing system based on community heating services for properties, in order to solve the problems of fragmented business processes across multiple systems, reliance on manual intervention for data flow, and the inability to achieve fully automated collaboration in the entire process of generating consumer points, deducting property fees, and automatic revenue sharing among multiple parties in the existing technology.

[0005] A points-based and payment collaborative processing system for community heating services includes:

[0006] The property management, heating, and community services integration module is used to connect to external property management systems, heating service systems, or community service systems, and to manage resident accounts;

[0007] The e-commerce and points processing module is connected to the property, heating and community service integration module to provide online mall services and generate and distribute points based on residents' consumption.

[0008] The financial payment and revenue sharing module is connected to the property, heating and community service integration module and the e-commerce and points processing module, respectively, and is used to process payment transactions and execute revenue sharing and cashback operations.

[0009] The data interaction and access control module is used to manage data exchange and access control between various modules within the system and with external systems;

[0010] The financial payment and revenue sharing processing module includes a revenue sharing and cashback processing unit. The revenue sharing and cashback processing unit receives a points deduction request from the e-commerce and points processing module through the data interaction and access control module, verifies the resident's points balance and calculates the deduction amount, sends a deduction instruction to the property, heating and community service integration module, and updates the revenue sharing record after receiving the execution result.

[0011] Preferably, the integrated property management, heating, and community services module includes:

[0012] The property management system interface unit is used to communicate with external property management systems, obtain property fee data, and perform fee deductions.

[0013] The heating service interface unit is used to communicate with external heating service systems and obtain heating cost data.

[0014] The community service interface unit is used to communicate with external community service systems to obtain community service fees or information data.

[0015] The resident account management unit is used to maintain resident account information and link it to their property, heating, community services, consumption and points data.

[0016] Preferably, the e-commerce and points processing module includes:

[0017] The points generation and allocation unit is used to generate points and allocate them to the corresponding accounts according to preset rules based on residents' consumption behavior in the mall;

[0018] The points transfer and deduction unit is used to support the secondary consumption of points in the mall and to process fee deduction requests initiated to property management, heating or community service systems.

[0019] Preferably, the financial payment and revenue sharing module further includes:

[0020] The payment channel management unit is used to connect to third-party payment systems or banking systems to complete transactions;

[0021] The financial institution interface unit is used to integrate the deposit-gathering, random discount, or full-reduction payment incentive functions provided by banks.

[0022] Preferably, the system further includes:

[0023] The blockchain evidence storage module is used to store the entire process data of points generation, circulation, and deduction in an immutable manner, and automatically executes points deduction and revenue sharing operations through smart contracts.

[0024] Preferably, the data interaction and access control module is an API gateway, which is used to perform unified identity authentication, authorization and protocol conversion for internal and external API calls, and record interaction logs.

[0025] Preferably, the revenue sharing and cashback processing unit is further configured to: periodically reconcile accounts with the property, heating and community service integration module; if abnormal records are found, suspend the relevant deduction process and generate a system alarm.

[0026] A points-based processing method based on property, heating, or services, applied to the aforementioned system, wherein the method includes:

[0027] Residents access the online store and complete their purchases through the system's access ports.

[0028] The system generates points based on consumption behavior and credits them to residents' accounts;

[0029] In response to residents' requests for deductions of property fees, heating fees, or community service fees, the system verifies points and calculates the deduction amount;

[0030] Send deduction instructions and update bills to the relevant property, heating or community service systems;

[0031] Update the accounting records based on the deduction results.

[0032] Preferably, the method further includes:

[0033] Based on residents' user profiles, geographical locations, and historical consumption data, personalized product or service information is generated and pushed on the mall interface through recommendation algorithms.

[0034] Compared with the prior art, the present invention has the following beneficial effects:

[0035] By constructing a collaborative technical architecture with deep coupling of multiple modules and two flexibly configurable revenue-sharing models, the system achieves full-link automated connection and refined operation between community consumption, points transfer and fee payment.

[0036] This invention organically integrates previously fragmented consumption scenarios and service supply at the technological level, breaking through the bottlenecks in value-added operations and user stickiness of traditional property management, heating, and community services. It not only significantly improves the convenience for residents to enjoy community services and manage fees, but also opens up sustainable revenue growth paths for property management, heating, and community service providers, while enhancing the platform's stability and scalability. Ultimately, this solution effectively promotes value linkage among multiple participants within the community, providing a solid technological foundation for building an efficient, vibrant, and sustainable smart community service ecosystem. Attached Figure Description

[0037] Figure 1 This is an architecture diagram of the points and payment collaborative processing system based on community heating services in Embodiment 2 of the present invention;

[0038] Figure 2 This is a flowchart of the points processing method based on property and heating services according to Embodiment 1 of the present invention. Detailed Implementation

[0039] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0040] Example 1

[0041] Reference Figure 2 The first embodiment of the present invention provides a method for collaborative processing of points and payments based on property management, heating, and community services, including the following steps:

[0042] S1: System initialization and resident account registration.

[0043] Specifically, the system establishes connections with external systems through a data interaction and access control module (API gateway). The property management, heating, and community service integration module calls its property management system interface unit, heating service interface unit, and community service interface unit to complete API integration with the target property management system, heating service system, and community service system, respectively, and synchronously obtain residents' basic information, property information, and historical payment data. After residents complete identity verification through the official accounts, apps, or offline QR code scanning provided by the property management, heating, or community service companies, the system creates a unique account for them through the resident account management unit, linking it to their property, property fees, heating fees, and community service information.

[0044] S2: Mall spending and points generation.

[0045] Residents can earn points through several channels. First, by purchasing goods or services in the online store integrated into property management, heating, or community service portals. Second, by scanning a unique revenue-sharing code provided by a local partner merchant or designated merchant near the property. Merchants access the system through this code and can participate in platform revenue sharing.

[0046] Residents access the online mall through a portal integrated into relevant service portals to browse and purchase goods or services. During payment, the payment channel management unit calls upon partnered third-party payment methods (such as WeChat Pay or Alipay) or bank payment interfaces to complete the transaction. After a successful transaction, the points generation and allocation unit calculates the points earned according to preset rules. For example, the points rules can be set as: Points = Purchase Amount × Fixed Points Coefficient + Bonus Points for Specific Products. Points are credited to the resident's account in real time, and their points balance is updated through the resident account management unit.

[0047]

[0048] in, This indicates the updated points balance. Indicates the original points balance. Indicates the amount spent. This represents the basic integral coefficient (e.g., 0.01). This indicates extra reward points for a specific product or activity.

[0049] Residents' earned points are primarily used to offset property management fees, heating service fees (including heating bills, etc.), or community service fees associated with their properties, subject to specific usage rules: the system automatically verifies whether the resident's property management, heating, or community service company is a partner of the platform. If a partner is established, points can be used to offset the corresponding fees; if not, points cannot be directly offset, but can be transferred to others within the system via a pre-defined transfer function (the transferee must be located within the partner jurisdiction), or used for secondary purchases within the online mall.

[0050] S3: Request and processing of points-based deduction for property management fees.

[0051] Residents can choose to use points to offset property management fees, heating fees, or community service fees on their account page, and enter the number of points they wish to offset.

[0052] The system supports two modes: online automatic deduction and offline verification. In online mode, the subsequent automated process is triggered directly; in offline mode, the system generates a dynamic verification code, which residents can present at the offline payment counter of the cooperating property management, heating company, or community service center, where staff will scan the code to complete the verification and deduction of fees.

[0053] The points transfer and deduction unit generates a deduction request containing resident ID, number of points applied for, type of deduction fee (property management / heating / community), and timestamp, and sends it to the revenue sharing and cashback processing unit through the data interaction and access control module.

[0054] Upon receiving the request, the revenue sharing and cashback processing unit performs the following operations:

[0055] Query and verify the resident's current available points balance from the resident account management unit. Is it greater than or equal to the number of points applied for deduction? .

[0056] like The deduction amount will be calculated according to the preset points value conversion rules (e.g., 100 points = 1 RMB). :

[0057]

[0058] in, This indicates the conversion rate for integral value.

[0059] Generate data including resident ID, property ID, and deduction amount. The property fee deduction execution instruction for the deduction type ("points deduction") is sent to the corresponding property system interface unit, heating service interface unit or community service interface unit through the data interaction and access control module.

[0060] S4: Property system executes deductions and provides feedback.

[0061] The corresponding interface unit forwards the deduction execution instruction to the connected external management system (property management, heating, or community). The external management system executes the deduction operation in its billing module, updates the amount due for the resident's corresponding fees, and generates a record containing a "deduction successful" status and the actual deducted amount. The updated amount payable and the transaction number of this deduction are executed and returned to the accounting and cashback processing unit via the original route.

[0062] S5: Revenue sharing record update.

[0063] After receiving the successful feedback, the revenue sharing and cashback processing unit performs the following operations:

[0064] Update revenue sharing record: Record this transaction in the revenue sharing details table. The revenue sharing and cashback processing unit supports two revenue sharing modes:

[0065] Mode 1 (Platform-Designated Institution Temporarily Holds Cashback Funds): When residents make purchases in the mall, the corresponding cashback funds (i.e., the cash value of points) are held and managed by a platform-designated institution in the platform's pending distribution fund pool. Once a resident successfully uses points to offset a purchase, the platform will distribute the cashback funds according to... The amount is transferred in real time from its pending fund pool to the corresponding property management, heating, or community service company account, and this is recorded as "points deduction expenditure". Under this model, the platform assumes the responsibility of fund pool management and transfer.

[0066] Mode Two (Direct Cash Back to Service Provider): When residents make purchases in the online store, according to pre-set revenue sharing rules, a portion of the purchase amount (corresponding to the value of points) is directly credited in real-time to the account of the resident's property management, heating, or community service company as pre-collected "deductible funds." When a resident successfully uses points to offset a payment, the external system directly deducts the amount from that "deductible funds" in their account. Amount. The platform does not hold this portion of the cashback funds; it only charges a fixed platform service fee. Under this model, the revenue sharing and cashback processing unit generates a corresponding revenue sharing instruction upon completion of the resident's consumption, directly transferring the cashback amount to the service provider.

[0067] Regardless of the model used, the detailed accounting records will include: the original order number, the points redemption transaction number, the parties involved (resident, platform, service company), and the redemption amount. Revenue sharing model identification and fund flow.

[0068] S6: Points Consumption and Process Completion.

[0069] Finally, the revenue sharing and cashback processing unit notifies the resident account management unit to deduct the corresponding number of points from the resident account. The system will notify the points transfer and deduction unit to update the points details. Residents will receive a "deduction successful" notification and can view the updated points balance and corresponding bills in their accounts.

[0070] S7: Reconciliation and Exception Handling (Periodic / Trigger-based).

[0071] The revenue sharing and cashback processing unit is configured to initiate a reconciliation process daily at a set time (e.g., 2 AM):

[0072] The data interaction and access control module requests all points deduction records initiated through this system in the past 24 hours from the corresponding interface unit.

[0073] The records obtained from external systems are compared with the internal accounting records of this system to verify the consistency of the transaction serial number, amount, and status of the business.

[0074] If any abnormal records are found that are recorded in this system but not in external systems, or that the amounts are inconsistent, the points deduction function for the resident account or the service item will be automatically suspended, and an alarm message will be generated and sent to the operation and maintenance personnel through the system monitoring module, pending manual intervention.

[0075] Example 2

[0076] Reference Figure 1 As a second embodiment of the present invention, a points-based and payment collaborative processing system based on community heating services is provided, comprising:

[0077] The structure recognition and points triggering module integrates resident consumption behavior with heating, property management, or community service data to drive points generation and circulation. This module maintains a unified user profile through the resident account management unit, combined with resident timely heating fee payment records obtained from the heating service interface unit, or resident participation in community activities records obtained from the community service interface unit (reflecting good credit or participation), triggering the points generation and allocation unit to issue additional "special reward points." All points generation, issuance, circulation (online shopping mall purchases), and deduction (fees) records are synchronized to the blockchain notarization module, with smart contracts ensuring the automatic execution and immutability of key operations (such as large-amount points deductions). The data interaction and access control module (API gateway) acts as the central nervous system, encrypting, authenticating, limiting, and logging all data exchanges between modules and externally, ensuring system security and auditability.

[0078] The financial payment and revenue sharing module handles complex payments and revenue distribution. In addition to supporting regular payments, the payment channel management unit of this module can also flexibly match or integrate external payment incentive strategies (e.g., integrating "random discounts" or other promotional activities offered by partner banks) through the financial institution interface unit to enhance the payment experience. After each transaction, the funds are automatically and in real-time distributed by the revenue sharing and cashback processing unit according to pre-set revenue sharing ratios with the property management company, heating company, community service provider, and supplier. The revenue sharing supports two modes: Mode 1: When a resident pays 100 yuan, the platform designates a relevant institution to temporarily manage the cashback funds (e.g., 7% of the consumption amount in points). When the resident uses points to offset the cost, the platform transfers the funds to the service provider, with the platform receiving 10% as a service fee and the supplier receiving 83%. Mode 2: When a resident pays 100 yuan, the platform directly distributes 7 yuan to the service provider as pre-collected offset funds, with the platform receiving 10% as a service fee and the supplier receiving 83%. This unit is also responsible for the offset processing, reconciliation, and anomaly alerts mentioned in Example 1.

[0079] A personalized recommendation engine is integrated into the e-commerce system as an enhancement. It draws on user profiles (age, family structure), geographic location (neighborhood), and historical consumption data (frequent purchases of fresh produce and housekeeping services) from the resident account management unit. Through collaborative filtering or deep learning recommendation algorithms, it dynamically generates and displays a personalized list of recommended products or services at the top of the page when residents log in to the e-commerce homepage, such as "Seasonal fruits available for group purchase in your neighborhood" or "Weekend house cleaning service special offer," thereby improving conversion rates and user stickiness.

[0080] In summary, this system, promoted in conjunction with property management companies, heating companies, and community service centers (and in older communities without property management, in conjunction with local streets and communities), deeply integrates the online mall with local merchant services. This not only provides residents with a convenient channel to redeem fixed costs using points, but also opens up sustainable value-added revenue channels for property management, heating, and community service providers, enhancing their community service and operational capabilities. The core of this invention lies in its specific technical architecture, supporting two flexible revenue-sharing models (temporary platform fund pool management and direct revenue sharing to service providers), achieving a closed loop of "points generation - specific cost deduction - automatic revenue sharing / fund transfer," fundamentally different from simple deductions using general consumer vouchers or virtual currencies. Technically, this system supports the establishment and stable operation of a smart community service ecosystem that adapts to different business cooperation needs, achieves win-win results for all parties, and fosters a virtuous cycle.

[0081] It should be noted that the core of this invention lies in realizing a closed loop of "points - special expense deduction - automatic revenue sharing" through a specific technical architecture, which is fundamentally different from simple deductions in the form of general consumer vouchers and virtual currencies.

[0082] The above embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the protection scope of the technical solutions of the embodiments of the present invention.

Claims

1. A points-based and payment collaborative processing system for community heating services, characterized in that: include: The property management, heating, and community services integration module is used to connect to external property management systems, heating service systems, or community service systems, and to manage resident accounts; The e-commerce and points processing module is connected to the property, heating and community service integration module to provide online mall services and generate and distribute points based on residents' consumption. The financial payment and revenue sharing module is connected to the property, heating and community service integration module and the e-commerce and points processing module, respectively, and is used to process payment transactions and execute revenue sharing and cashback operations. The data interaction and access control module is used to manage data exchange and access control between various modules within the system and with external systems; The financial payment and revenue sharing processing module includes a revenue sharing and cashback processing unit. The revenue sharing and cashback processing unit receives a points deduction request from the e-commerce and points processing module through the data interaction and access control module, verifies the resident's points balance and calculates the deduction amount, sends a deduction instruction to the property, heating and community service integration module, and updates the revenue sharing record after receiving the execution result.

2. The system according to claim 1, characterized in that, The integrated module for property management, heating, and community services includes: The property management system interface unit is used to communicate with external property management systems, obtain property fee data, and perform fee deductions. The heating service interface unit is used to communicate with external heating service systems and obtain heating cost data. The community service interface unit is used to communicate with external community service systems to obtain community service fees or information data. The resident account management unit is used to maintain resident account information and link it to their property, heating, community services, consumption and points data.

3. The system according to claim 1, characterized in that, The e-commerce and points processing module includes: The points generation and allocation unit is used to generate points and allocate them to the corresponding accounts according to preset rules based on residents' consumption behavior in the mall; The points transfer and deduction unit is used to support the secondary consumption of points in the mall and to process fee deduction requests initiated to property management, heating or community service systems.

4. The system according to claim 1, characterized in that, The financial payment and revenue sharing module also includes: The payment channel management unit is used to connect to third-party payment systems or banking systems to complete transactions; The financial institution interface unit is used to integrate the deposit-gathering, random discount, or full-reduction payment incentive functions provided by banks.

5. The system according to claim 1, characterized in that, The system also includes: The blockchain evidence storage module is used to store the entire process data of points generation, circulation, and deduction in an immutable manner, and automatically executes points deduction and revenue sharing operations through smart contracts.

6. The system according to claim 1, characterized in that, The data interaction and access control module is an API gateway, used to perform unified identity authentication, authorization and protocol conversion for internal and external API calls, and to record interaction logs.

7. The system according to claim 1, characterized in that, The revenue sharing and cashback processing unit is also configured to periodically reconcile accounts with the property, heating and community service integration module, and if abnormal records are found, suspend the relevant deduction process and generate a system alarm.

8. A points-based processing method for property, heating, or services, characterized in that, The method, applied to the system of any one of claims 1 to 7, comprises: Residents access the online store and complete their purchases through the system's access ports. The system generates points based on consumption behavior and credits them to residents' accounts; In response to residents' requests for deductions of property fees, heating fees, or community service fees, the system verifies points and calculates the deduction amount; Send deduction instructions and update bills to the relevant property, heating or community service systems; Update the accounting records based on the deduction results.

9. The method according to claim 8, characterized in that, The method further includes: Based on residents' user profiles, geographical locations, and historical consumption data, personalized product or service information is generated and pushed on the e-commerce interface through recommendation algorithms.

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