An e-commerce platform management method and system based on multi-role cooperation and integral dynamic circulation

Abstract

The application discloses an e-commerce platform management method and system based on multi-role cooperation and integral dynamic circulation, relates to the technical field of e-commerce platforms, and comprises the following steps: different commission rates are dynamically set for merchants through an algorithm; when an order is paid, the distributable points are calculated according to the profit sharing ratio of the merchant and the platform, the points are supported to be deducted from cash, and three-party dynamic distribution is completed; a community store function based on a geographical position is provided for a physical store, online transactions and offline self-pickup are supported; and the platform can publish tasks for users to complete to obtain points. The system comprises a user end, a merchant end, a platform end and a core business engine. The application builds a win-win incentive ecology among the merchant, the user and the platform, effectively supports the development of small and micro merchants, and improves the operation efficiency of the platform and the user stickiness.

Description

Technical Field

[0001] This invention relates to the field of e-commerce platform technology, and in particular to an e-commerce platform management method and system based on multi-role collaboration and dynamic circulation of points. Background Technology

[0002] In the current digital economy environment, business activities are increasingly concentrated on online platforms, forming an ecosystem dominated by a few large, comprehensive platforms. These platforms generally adopt a centralized architecture and a unified traffic distribution mechanism, and their technical solutions are mainly designed around serving massive standardized commodity transactions and large-scale fulfillment. For the vast number of local micro-merchants, individual entrepreneurs, and community service providers, this type of general-purpose platform architecture has significant shortcomings in terms of technical adaptability and business friendliness, specifically manifested in the following ways: The contradiction between traffic acquisition and cost structure: Existing platform technology models typically rely on algorithms such as pay-per-click ranking and news feed recommendations, making merchant exposure strongly correlated with marketing investment. Small and micro-merchants lacking brand and financial advantages face low efficiency in acquiring natural traffic, trapped in a dilemma of "no traffic without promotion, meager profits with promotion." The fixed or tiered commissions charged by platforms further compress their already limited profit margins, and the technical architecture fails to provide them with a low-cost, sustainable customer acquisition path.

[0003] The closed and one-way nature of user incentive systems: Mainstream platform point or coin systems are technically designed as closed, one-way consumption-related systems. Their functions are typically limited to discounts or fixed-amount product redemptions on the user side. Points are generated from a single source (mostly through consumption), have limited consumption scenarios, and cannot be transferred between merchants and the platform. This design results in a lack of vitality in the points ecosystem, limiting its incentive effect on improving long-term user activity and cross-merchant repeat purchases, and failing to build a multi-party, value-circulating incentive network through technological means.

[0004] The technological disconnect between online and offline businesses: Despite the development of the O2O (online-to-offline) model over the years, existing technological solutions still suffer from insufficient integration when serving small and micro-sized community merchants. Many solutions merely treat offline stores as fulfillment nodes for online transactions, failing to fully activate the core advantages of merchants' "geographical proximity" and "community trust" through technological means (such as traffic distribution based on precise geofencing, automated verification and linkage between offline entity qualifications and online information, and seamless verification loops between online ordering and offline self-pickup / service). Online and offline systems often suffer from data incompatibility and process separation, leading to multiple management burdens for merchants, low operational efficiency, and a fragmented user experience.

[0005] The conflict between rigid rules and diverse merchant needs: Existing platforms' commission rates, service agreements, and functional modules are mostly standardized, lacking flexible and configurable technical support to meet the personalized needs of merchants in different industries, of different sizes, and at different stages of development. For example, the support period for new merchants, incentive strategies for specific product categories, and profit-sharing models based on regional agents are often difficult to automate with refined management within the existing technological framework.

[0006] In summary, the existing e-commerce platform's technical architecture and business model have systemic technical limitations in supporting micro and small merchants, building a deeply engaging community ecosystem, and achieving a closed-loop online-offline value chain. Therefore, there is an urgent need in this field for an innovative platform-based technical solution. This solution requires restructuring at the system architecture, core algorithm, and business logic levels, using a technology-driven approach to effectively address key issues such as fair traffic allocation, incentivizing multi-party collaboration, online-offline integration, and flexible rule adaptation, thereby building a more inclusive, efficient, and dynamic distributed business support system. Summary of the Invention

[0007] The purpose of this invention is to overcome the aforementioned shortcomings of existing technologies and provide an e-commerce platform management method and system based on multi-role collaboration and dynamic circulation of points. This invention aims to build a multi-party collaborative, value-cycled business ecosystem. Specifically, it achieves dynamic and flexible allocation of merchant commissions, establishes a full-link circulation and distribution mechanism for points among users, merchants, and the platform, and deeply integrates offline resources from community physical stores, thereby systematically reducing the operating costs of small and micro-merchants and enhancing the overall vitality and user stickiness of the platform.

[0008] To achieve the above-mentioned objectives, the present invention provides the following technical solution: In a first aspect, the present invention provides an e-commerce platform management method based on multi-role collaboration and dynamic circulation of points, applicable to a multi-merchant e-commerce platform including a user end, a merchant end, and a platform management end, the method comprising: The platform provides a product listing interface for merchants, which includes a "special product attribute" identification option, allowing merchants to mark whether their products are special products. On the platform management side, the system receives product information submitted by merchants, runs a special product judgment algorithm, which uses the commission setting parameters of the product as the main basis for judgment, reviews and confirms products marked as special products, and sets non-fixed and differentiated commission rates for regional agents at different levels. When displaying products on the user's end, products that are determined by the platform to be special products will be given visual identification or information display that distinguishes them from ordinary products, and their corresponding commission rates will be clearly stated. In response to a user's order payment request initiated through the user's client, which includes at least one item, a points allocation and deduction process is initiated, the process including: a. Calculate the total amount of distributable points generated by the order based on the preset "merchant discount ratio" and "platform discount ratio" for each item in the order; b. Provide a points payment option, allowing users to use existing points to offset part of the order's cash amount, and set a limit on the points offset per order; c. After the order payment is completed, the points are dynamically allocated to the user account and merchant account according to the total amount of allocable points and in accordance with preset rules, and the platform points account is updated.

[0009] Furthermore, in the points allocation and deduction process, the formula for calculating the total amount of allocable points is: Total amount of allocable points = Total price of goods × (Merchant discount ratio + Platform discount ratio).

[0010] Furthermore, the method also includes a community store management process: The platform provides an application interface for community stores to join, requiring merchants to submit information on their offline physical store qualifications and address. On the platform management side, the information of physical stores submitted by merchants is reviewed. Once the review is approved, the location-based service function is enabled for the merchants. On the user side, it provides the function of searching for community stores within a specified radius based on the user's current location, and provides the fulfillment option of "ordering online and picking up offline" for the products of community stores.

[0011] Furthermore, the method also includes a platform subsidy and incentive process: Configure a global parameter for "Platform Subsidy Points Deduction Ratio" in the platform management interface; In the points allocation and deduction process, when the "merchant discount ratio" is higher than the platform's preset "minimum subsidy ratio" threshold, the platform subsidy mechanism is triggered. The platform will spend additional points equal to the currency equivalent of the service fee for this order, and allocate these points to the merchant's account.

[0012] Furthermore, the method also includes a user referral commission process: Provide users with the ability to share products or merchants; When other users complete a purchase through the shared link, the corresponding commission will be returned to the user who initiated the sharing in the form of points or cash, based on the "user-promoted merchant commission" ratio of the shared product.

[0013] Furthermore, the method also includes a diversified task listing process: On the platform management side, interfaces for "Listing Volunteer Activities" and "Listing Learning Tasks" are provided, which are independent of the product listing process. The volunteer activities and learning tasks are displayed as independent modules on the user's end. Users can directly receive points rewards from the platform after participating in and completing them.

[0014] Furthermore, the method also includes an investment mall module management process: The platform management interface provides an interface for listing investment modules, allowing merchants or platforms to list stores or products with investment attributes. The investment module includes: (1) Investment in stores: Allows users to invest funds in specific merchants and receive a share of the store's future sales revenue according to preset rules after the investment; (2) Investment in commodities: Allows users to invest in specific commodity projects and receive a share of the sales profits of the commodity according to preset rules after investment; When displaying the investment module on the user's end, distinguish between displaying investment shops and investment products, and clearly indicate the investment threshold, expected rate of return, risk level and profit distribution rules for each investment project; In response to an investment request initiated by a user through a client application, an investment processing procedure is initiated, which includes: a. Determine the corresponding investment agreement template based on the type of investment project selected by the user (store investment or product investment); b. Execute the investment amount transfer and generate an electronic investment agreement; c. After the investment takes effect, the investment income will be calculated and distributed to the user's account periodically according to the preset income calculation rules; d. Provide an investment management interface for users to view the operating status, profit details, and exit mechanism of investment projects.

[0015] Secondly, the present invention provides an e-commerce platform system for implementing the method described above, comprising: The user-side module is used for browsing products, placing orders and making payments, using and viewing points, and participating in community activities and tasks. The merchant module is used for product information management, special attribute identification, order processing, commission and points earnings viewing, and community store information management. The platform management module is used to manage all merchant and product information, execute special product judgment algorithms, configure dynamic commission rules, manage points allocation rules and subsidy strategies, and review community stores and platform listing tasks. The core business logic engine, coupled with the user-side module, merchant-side module, and platform management-side module, is used to perform point allocation and deduction calculation, commission settlement, geolocation matching, and task completion determination.

[0016] Furthermore, the core business logic engine includes: The points dynamic allocation unit is used to calculate and execute the transfer of points between the user, merchant, and platform accounts in real time based on order parameters and preset ratios; The commission dynamic calculation unit is used to calculate the commission for each order in real time based on the product category, merchant agent level, and sales tier. The community O2O dispatch unit is used to process self-pickup orders from community stores, generate pickup information, and push it to the user's end.

[0017] Furthermore, the core business logic engine also includes: The investment management unit, coupled to the user-end module, merchant-end module, and platform management module, is used to handle the creation of investment stores and investment products, the execution of investment transactions, the calculation and distribution of profits, and the management of investment projects.

[0018] Compared with the prior art, the present invention has the following advantages and beneficial effects: 1. Build a win-win incentive ecosystem to activate the overall vitality of the platform.

[0019] Through the "Dynamic Circulation and Distribution System of Points," transactions are transformed into multi-party incentive events. Users can redeem points for discounts; merchants receive points rewards directly after offering discounts, reducing marketing costs; and the platform uses points expenditures to increase transaction volume and user stickiness. This model breaks the traditional zero-sum game, forming a sustainable growth loop, which is particularly beneficial for small and micro-sized businesses starting up.

[0020] 2. Provide precise support to micro, small and medium-sized enterprises and local businesses to solve the traffic bottleneck.

[0021] The "Dynamic Commission System" supports differentiated rates, enabling preferential support for community merchants. The "Community Store O2O System" uses LBS technology to accurately direct online traffic to offline physical stores, achieving "online discovery and offline fulfillment," allowing small and micro merchants to gain exposure by leveraging their geographical advantages and effectively countering the traffic monopoly of centralized platforms.

[0022] 3. Automate complex rules to improve operational efficiency and transparency.

[0023] The core business logic engine automates complex rules such as commission calculation, points allocation, and subsidy triggering. Operations staff only need to configure parameters in the backend, and the system can execute automatically, significantly reducing labor costs and errors. Meanwhile, merchants can view commission and points details in real time, enhancing the platform's credibility.

[0024] 4. Expand the platform's content and user roles, and strengthen its community attributes.

[0025] The platform can publish non-commercial content such as volunteer activities and learning tasks through the "Task Listing System" to enhance user interaction and stickiness. Combined with the "User Referral Commission" function, users transform from consumers into sharers, leveraging social relationships to achieve viral promotion and bringing low-cost growth to the platform.

[0026] 5. Innovate the points-based asset circulation system and establish a stable internal economic system.

[0027] Points become digital assets anchored to cash value and circulated among the three parties. Its closed-loop circulation model of "transaction generation → three-party distribution → deduction consumption → regeneration" establishes a stable and self-driven internal economic system, enhancing the independence and resilience of the platform ecosystem. Attached Figure Description

[0028] Figure 1 This is a schematic diagram of the overall architecture of the e-commerce platform system of the present invention; Figure 2 This is a schematic diagram of the dynamic allocation and deduction process of points in this invention; Figure 3 This is a schematic diagram of the community store O2O transaction process of the present invention. Detailed Implementation

[0029] The present invention will be further described in detail below with reference to experimental examples and specific embodiments. However, this should not be construed as limiting the scope of the above-mentioned subject matter of the present invention to the following embodiments; all technologies implemented based on the content of the present invention fall within the scope of the present invention.

[0030] Example 1 This invention provides a management method for e-commerce platforms based on multi-role collaboration and dynamic points circulation, applicable to multi-merchant e-commerce platforms including user terminals, merchant terminals, and platform management terminals. The method includes: The platform provides a product listing interface for merchants, which includes a "special product attribute" identification option, allowing merchants to mark whether their products are special products. On the platform management side, the system receives product information submitted by merchants, runs a special product judgment algorithm, which uses the commission setting parameters of the product as the main basis for judgment, reviews and confirms products marked as special products, and sets non-fixed and differentiated commission rates for regional agents at different levels. When displaying products on the user's end, products that are determined by the platform to be special products will be given visual identification or information display that distinguishes them from ordinary products, and their corresponding commission rates will be clearly stated. In response to a user's order payment request initiated through the user's client, which includes at least one item, a points allocation and deduction process is initiated, the process including: a. Calculate the total amount of distributable points generated by the order based on the preset "merchant discount ratio" and "platform discount ratio" for each item in the order; b. Provide a points payment option, allowing users to use existing points to offset part of the order's cash amount, and set a limit on the points offset per order; c. After the order payment is completed, the points are dynamically allocated to the user account and merchant account according to the total amount of allocable points and in accordance with preset rules, and the platform points account is updated.

[0031] like Figure 1 As shown, this system consists of a user terminal (such as a mini-program or app), a merchant terminal (such as a PC management backend or a merchant app), a platform management terminal (web management backend), and a server cluster. Merchants publish products through the "List Products" function on the merchant terminal. In the form editing section, a checkbox titled "Is this a special product?" will appear. Merchants decide whether to check this box based on their product strategy (such as high-profit new products or exclusive agency products).

[0032] After the product information is submitted to the platform, the platform operators review it through the platform management interface. The system calls the built-in special product determination algorithm, which mainly makes a comprehensive judgment based on the "special attributes" selected for the product and the agent level to which the merchant belongs. For example, tea listed by a "provincial agent" merchant and marked as a "special product" may be determined by the system to be subject to a specific commission rate (such as 15‰), rather than the base rate for that product category. After the determination is completed, the product will have a "special product" badge or prompt on the user's display page.

[0033] When a user selects a product and submits an order, the payment process begins. The user payment interface provides a slider for "Use Points for Discount," and the system prompts "Maximum points used: XX (discount not exceeding 50% of the order amount)." The user selects the discount amount and confirms payment. The payment request triggers the core business logic engine in the server cluster. The engine first calculates the total number of points that can be allocated for this order based on the product's preset "merchant discount ratio" (e.g., 10%) and "platform discount ratio" (e.g., 10%), as well as the total order price (e.g., for an order of 100 yuan, the total amount = 100 * (10%) = 20 points). Next, it processes the points deducted by the user and completes the cash payment. In the payment success callback, the engine dynamically allocates the 20 points to the user's and merchant's accounts according to preset rules (e.g., the user receives incentive points corresponding to their unused discount amount, the merchant receives points corresponding to their discount portion, and the platform pays out points corresponding to their discount portion), and updates the platform's points pool. This embodiment fully realizes a closed loop from product attribute marking and dynamic determination to dynamic point generation, discounting, and allocation.

[0034] Example 2 In the points allocation and deduction process, the formula for calculating the total amount of allocable points is: Total amount of allocable points = Total price of goods × (Merchant discount ratio + Platform discount ratio).

[0035] Continuing the payment process from the previous example, the core business logic engine executes its built-in fixed algorithm formula when calculating the total amount of distributable points. The system reads the "merchant discount ratio" and "platform discount ratio" parameters for each item in the order from the product information database and platform rule database. For example, if the order includes product A (total price 60 yuan, merchant discount 5%, platform discount 5%) and product B (total price 40 yuan, merchant discount 10%, platform discount 10%), the engine calculates: Distributable points for product A = 60 * (5% + 5%) = 6 points; Distributable points for product B = 40 * (10% + 10%) = 8 points. Therefore, the total distributable points for this order = 6 + 8 = 14 points. This calculation formula, as one of the core logics of the engine, ensures the clarity and quantifiability of the source of points generation.

[0036] Example 3 The method also includes a community store management process: The platform provides an application interface for community stores to join, requiring merchants to submit information on their offline physical store qualifications and address. On the platform management side, the information of physical stores submitted by merchants is reviewed. Once the review is approved, the location-based service function is enabled for the merchants. On the user side, it provides the function of searching for community stores within a specified radius based on the user's current location, and provides the fulfillment option of "ordering online and picking up offline" for the products of community stores.

[0037] like Figure 3 As shown, a merchant with a physical fruit store hopes to expand their online customer base through the platform. They submitted an application to join the "Community Store" section through the merchant portal and uploaded their business license and precise business address as required.

[0038] Platform administrators verify the authenticity of a merchant's qualifications through the platform's management interface and may initiate an on-site verification process (virtual or actual). Once the verification is approved, the platform's management interface activates the "Community Store" badge and geolocation service for the merchant's account in the system.

[0039] On the user's end, when a user opens the app or mini-program, the system obtains the user's current location (user authorization required). When the user clicks "Nearby Shops" or uses the filtering function to search for merchants "within 3 kilometers," the community O2O scheduling unit in the core business logic engine starts working. Based on the user's location and the location information of all certified community shops, this unit performs rapid geofencing calculations, filters out a list of shops that meet the criteria, and returns it to the user's end for display.

[0040] A user selects some items from "Lao Wang Fruit Shop (Community Store)" and sees the "In-Store Pickup" option in the fulfillment methods when placing the order. The user selects this method and completes payment (which may include points deduction). After the order is generated, the community O2O dispatch unit automatically generates a unique "pickup code" and triggers a push notification service to send an SMS to the mobile phone number the user filled in when placing the order. The message is, for example: "The items you purchased through Youlintong are ready. Please pick them up at [Lao Wang Fruit Shop, No. XX, XX Road] with pickup code [A1B2C3]. Phone: 138XXXXXX". The user goes to the store with this SMS, and the merchant verifies the pickup code by entering or scanning it on the merchant's end, completing the order loop. This process achieves precise traffic redirection from online to offline physical stores.

[0041] Example 4 The method also includes platform subsidy and incentive processes: Configure a global parameter for "Platform Subsidy Points Deduction Ratio" in the platform management interface; In the points allocation and deduction process, when the "merchant discount ratio" is higher than the platform's preset "minimum subsidy ratio" threshold, the platform subsidy mechanism is triggered. The platform will spend additional points equal to the currency equivalent of the service fee for this order, and allocate these points to the merchant's account.

[0042] The minimum subsidy ratio mechanism is as follows: When the merchant's discount percentage (10% in this example) is greater than the minimum subsidy percentage, points corresponding to the service fee will be calculated and awarded (5 points).

[0043] Therefore, there are two threshold scenarios: 5% (which will trigger the reward of points corresponding to the service fee) and 15% (which will not trigger the reward of points corresponding to the service fee).

[0044]

[0045] This embodiment provides a detailed explanation. Figure 2 Details of platform subsidy triggering in the process. The platform administrator sets the "Minimum Subsidy Ratio" threshold to 5% in the "Platform Subsidy Points Deduction Ratio %" configuration item in the platform management terminal.

[0046] In Example 1, the "merchant discount ratio" for an order is 10%, which is higher than the 5% threshold. Therefore, when the core business logic engine executes the points allocation, in addition to the basic allocation (users, merchants, and the platform receive a portion of the total 20 points that can be allocated according to the rules), the platform subsidy mechanism will also be triggered.

[0047] The engine queries the "service fee" for this order (let's say 5 yuan, equivalent to 5 points). After the subsidy is triggered, the platform's points account will spend an additional 5 points, which are directly allocated to the merchant's account as a subsidy. Therefore, in the final result, the merchant receives not only the regular points corresponding to their discount (e.g., +10 points) but also an additional +5 points from the platform subsidy, totaling +15 points. The platform's total expenditure is the points corresponding to their own discount (-10 points) plus the subsidy points (-5 points), totaling -15 points. This mechanism automatically rewards merchants willing to offer higher discounts through technical rules, incentivizing market behavior.

[0048] Example 5 The method also includes a user referral commission process: Provide users with the ability to share products or merchants; When other users complete a purchase through the shared link, the corresponding commission will be returned to the user who initiated the sharing in the form of points or cash, based on the "user-promoted merchant commission" ratio of the shared product.

[0049] While browsing on the user's device, user Xiaoming saw a newly opened bakery called "Sweetheart Bakery" and found its products appealing. He clicked the "Share" button on the product details page, which generated a mini-program link with unique promotional parameters, and then shared it to a WeChat group.

[0050] Group member Xiao Zhang clicked the link and entered the "Sweetheart Shop" store page, where he was marked by the system as having received traffic shared by Xiao Ming. Xiao Zhang purchased a cake worth 88 yuan. After the order was successfully paid for, the core business logic engine, in addition to calculating the regular commission and points allocation, also invoked the user referral commission rules.

[0051] The engine reads the "commission rate for user referrals" set by the "Sweetheart Workshop" merchant (e.g., set to 2% of sales). Xiaoming's referral commission is calculated as: 88 yuan * 2% = 1.76 yuan. The system can either directly deposit this 1.76 yuan into Xiaoming's platform balance in cash, or convert it into points (176 points) according to the rules and distribute it to Xiaoming's points account. Simultaneously, the system will notify Xiaoming via the message center: "The order you promoted has been completed, and you have received a referral reward of 176 points." This process is fully automated, incentivizing users to become dissemination nodes on the platform.

[0052] Example 6 The method also includes a diversified task listing process: On the platform management side, interfaces for "Listing Volunteer Activities" and "Listing Learning Tasks" are provided, which are independent of the product listing process. The volunteer activities and learning tasks are displayed as independent modules on the user's end. Users can directly receive points rewards from the platform after participating in and completing them.

[0053] The platform operator plans to hold an online charity event on "Learn from Lei Feng Day". The operators log into the platform's management interface and find a separate "Volunteer Activity Management" menu outside the product management module. They click "Upload Volunteer Activity", fill in the activity title (e.g., "Clean Our Home - Online Check-in"), activity description, participation method (uploading photos of cleaning the community), activity time limit, and the reward points upon completion (e.g., 200 points).

[0054] Once an activity is listed, it will be displayed on the user's homepage or a dedicated "Activity Center" tab. User Xiao Li participates by uploading a photo as required. After the platform administrator or the set automatic review rules (such as preliminary image recognition review) approve the photo, the core business logic engine automatically awards 200 points to Xiao Li's account. Similarly, the platform can "list learning tasks" (such as watching a food safety video), and the system automatically awards points upon completion. This constitutes a points acquisition and incentive channel independent of the commodity transaction system.

[0055] Example 7 The method also includes an investment mall module management process: The platform management interface provides an interface for listing investment modules, allowing merchants or platforms to list stores or products with investment attributes. The investment module includes: (1) Investment in stores: Allows users to invest funds in specific merchants and receive a share of the store's future sales revenue according to preset rules after the investment; (2) Investment in commodities: Allows users to invest in specific commodity projects and receive a share of the sales profits of the commodity according to preset rules after investment; When displaying the investment module on the user's end, distinguish between displaying investment shops and investment products, and clearly indicate the investment threshold, expected rate of return, risk level and profit distribution rules for each investment project; In response to an investment request initiated by a user through a client application, an investment processing procedure is initiated, which includes: a. Determine the corresponding investment agreement template based on the type of investment project selected by the user (store investment or product investment); b. Execute the investment amount transfer and generate an electronic investment agreement; c. After the investment takes effect, the investment income will be calculated and distributed to the user's account periodically according to the preset income calculation rules; d. Provide an investment management interface for users to view the operating status, profit details, and exit mechanism of investment projects. Specific implementation details are as follows: I. Architecture and Functional Division of the Investment Module In this embodiment, the investment mall module includes two main sub-functions: investment shops and investment products. A dedicated "Investment Module Listing" menu is provided in the platform management interface.

[0056] 1. Implementation of investment store functions: Listing Process: High-quality merchants with physical stores submit an "Invest in a Store" application through the merchant portal, providing qualification materials such as the store's business license, financial statements for the past six months, and a business plan. After the platform management approves the application, an investment project card is created, and key parameters are set: total investment amount (e.g., ¥200,000), minimum investment amount per transaction (e.g., ¥1,000), expected annualized rate of return (e.g., 8%-12%), investment period (e.g., 24 months), profit distribution cycle (e.g., monthly), and risk level (R1-R5).

[0057] User Investment Process: Users browse investable projects in the "Investment Mall" section on the user's device and click on "Lao Wang Fresh Fruit Flagship Store (Investment Type)" to enter the details page. The page clearly displays: real photos of the store, historical operating data, explanation of fund usage, return calculation example, and risk warning. Users select the investment amount (e.g., ¥5,000) and click "Invest Now".

[0058] System processing flow: The investment management unit in the core business logic engine is triggered: a. Call the preset "Store Investment Agreement Template" to automatically fill in user information, store information, investment amount, expected rate of return, and other terms; b. Funds are transferred through a payment gateway and enter a third-party escrow account monitored by the platform; c. Generate an electronic investment agreement, which is confirmed by both parties (user and merchant) through digital signature; d. Mark the store as "invested" and display the "My Investments - Store Investments" entry on the user's device.

[0059] 2. Implementation of the investment commodity function: Project Creation: Platforms or merchants can publish single-item investment projects, such as "Organic Tea Garden Spring Harvest Rights Crowdfunding". In the management interface, you can set: total project fundraising amount (¥50,000), unit price (¥500 / unit), target output (100 units), expected gross profit margin (25%), and profit distribution rules (quarterly dividends).

[0060] Investment processing mechanism: When a user invests ¥2,000 (equivalent to 4 units of goods), the system executes: a. Allocate corresponding commodity share vouchers (electronic vouchers); b. Establish a revenue-sharing relationship between users and product projects; c. Calculate the expected revenue according to a preset algorithm during the product sales cycle.

[0061] 3. Specific implementation of profit calculation and distribution: The investment management unit's built-in return calculation engine executes the following logic: Store Investment: On the 5th of each month, the system automatically calculates the store's sales for the previous month and calculates the return according to the profit sharing ratio agreed in the investment agreement (e.g., users receive 15% of the store's monthly net profit as a return).

[0062] Calculation formula: Monthly user revenue = Store's net profit last month × (User investment ÷ Total store investment) × Revenue sharing ratio Commodity Investment: Returns are distributed quarterly based on the actual sales profit of the commodity, according to the proportion of the user's shareholding.

[0063] The system automatically deducts the corresponding revenue from the merchant's settlement payment and transfers it to the user's platform account (which can be in cash or points).

[0064] 4. Investment Management and Exit Mechanism: Management Interface: The user interface provides an "Investment Overview" dashboard, which displays: total investment amount, cumulative returns, real-time status of each project, and return curve.

[0065] Risk monitoring: The system sets risk warning indicators for investment projects (such as a 30% decline in sales for three consecutive months), automatically triggering risk alerts and notifying investors.

[0066] Exit Mechanism: Supports two exit methods: a. Exit upon agreement expiration: Upon maturity of the investment period, the system will automatically liquidate the principal plus the final return; b. Secondary Market Transfer: In the "Investment Transfer Zone" established on the platform, investors can place orders to transfer their investment shares. The system will charge a small handling fee and update the rights holder.

[0067] 5. Technical Implementation Details: Data segregation: Investment funds and platform operating funds are completely separated and held in escrow by a third-party payment institution; Smart contracts: Key profit distribution rules are written into the system logic in the form of code, reducing human intervention; Blockchain-based evidence storage: Important investment agreements and profit distribution records are stored on the blockchain to ensure they cannot be tampered with; Real-time reports: Merchants can view the "Investor Management" panel to understand the composition of investors and the distribution of returns.

[0068] II. Integration with existing systems The investment management unit works in collaboration with other core units: Linked with the dynamic points allocation unit: Investment returns can be automatically converted into points and enter the points circulation system; Linked with the dynamic commission calculation unit: Investment-type stores can enjoy special preferential policies on commission rates; Linked with the community O2O scheduling unit: Invested stores will be given priority in the community recommendation list and will receive traffic support.

[0069] III. Interface Implementation Examples The platform's management interface for the investment module includes: Investment Project Type Selection: Radio buttons for

Store Investment

Product Investment

[0070] Example 8 This embodiment provides an e-commerce platform system that implements the method described above, including: The user-side module is used for browsing products, placing orders and making payments, using and viewing points, and participating in community activities and tasks. The merchant module is used for product information management, special attribute identification, order processing, commission and points earnings viewing, and community store information management. The platform management module is used to manage all merchant and product information, execute special product judgment algorithms, configure dynamic commission rules, manage points allocation rules and subsidy strategies, and review community stores and platform listing tasks. The core business logic engine, coupled with the user-side module, merchant-side module, and platform management-side module, is used to perform point allocation and deduction calculation, commission settlement, geolocation matching, and task completion determination.

[0071] Furthermore, the core business logic engine includes: The points dynamic allocation unit is used to calculate and execute the transfer of points between the user, merchant, and platform accounts in real time based on order parameters and preset ratios; The commission dynamic calculation unit is used to calculate the commission for each order in real time based on the product category, merchant agent level, and sales tier. The community O2O dispatch unit is used to process self-pickup orders from community stores, generate pickup information, and push it to the user's end.

[0072] The core business logic engine also includes: The investment management unit, coupled to the user-end module, merchant-end module, and platform management module, is used to handle the creation of investment stores and investment products, the execution of investment transactions, the calculation and distribution of profits, and the management of investment projects.

[0073] like Figure 1 As shown, the physical architecture of the entire system supports the operation of all the above method implementations. The user terminal, merchant terminal, and platform management terminal serve as the interactive interface, responsible for data entry and display.

[0074] All complex business logic is centralized in the core business logic engine of the server cluster. This engine is a collection of software modules, specifically including: Dynamic allocation unit of integrals (corresponding to) Figure 2 The built-in points calculation formula described in Embodiment 2 is responsible for calculating the total amount of allocable points in real time during the payment process, and accurately executing the transfer of points between the three accounts based on the deduction behavior and subsidy triggering conditions.

[0075] The commission dynamic calculation unit stores multi-dimensional commission rules based on product category, agent level, sales tier, and other factors. When an order is generated, this unit calculates the commission amount payable for the order in real time based on the product ID and merchant ID, providing a basis for settlement.

[0076] Community O2O scheduling unit (corresponding to) Figure 3 ): Manages the geographical location information of all community stores, processes LBS-based store search requests, generates pickup vouchers (pickup codes) for self-pickup orders, and sends pickup notifications in conjunction with the messaging service.

[0077] These three units work together to enable the platform to handle the entire chain of multi-role collaborative business, from product listing (dynamic commissions), transaction payment (points circulation) to offline fulfillment (community self-pickup), realizing all the methods and processes defined above.

[0078] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A management method for e-commerce platforms based on multi-role collaboration and dynamic circulation of points, characterized in that, The method, applied to a multi-merchant e-commerce platform including user terminals, merchant terminals, and platform management terminals, includes: The platform provides a product listing interface for merchants, which includes a "special product attribute" identification option, allowing merchants to mark whether their products are special products. On the platform management side, the system receives product information submitted by merchants, runs a special product judgment algorithm, which uses the commission setting parameters of the product as the main basis for judgment, reviews and confirms products marked as special products, and sets non-fixed and differentiated commission rates for regional agents at different levels. When displaying products on the user's end, products that are determined by the platform to be special products will be given visual identification or information display that distinguishes them from ordinary products, and their corresponding commission rates will be clearly stated. In response to a user's order payment request initiated through the user's client, which includes at least one item, a points allocation and deduction process is initiated, the process including: a. Calculate the total amount of distributable points generated by the order based on the preset "merchant discount ratio" and "platform discount ratio" for each item in the order; b. Provide a points payment option, allowing users to use existing points to offset part of the order's cash amount, and set a limit on the points offset per order; c. After the order payment is completed, the points are dynamically allocated to the user account and merchant account according to the total amount of allocable points and in accordance with preset rules, and the platform points account is updated.

2. The method according to claim 1, characterized in that, In the points allocation and deduction process, the formula for calculating the total amount of allocable points is: Total amount of allocable points = Total price of goods × (Merchant discount ratio + Platform discount ratio).

3. The method according to claim 1, characterized in that, The method also includes a community store management process: The platform provides an application interface for community stores to join, requiring merchants to submit information on their offline physical store qualifications and address. On the platform management side, the information of physical stores submitted by merchants is reviewed. Once the review is approved, the location-based service function is enabled for the merchants. On the user side, it provides the function of searching for community stores within a specified radius based on the user's current location, and provides the fulfillment option of "ordering online and picking up offline" for the products of community stores.

4. The method according to claim 1, characterized in that, The method also includes platform subsidy and incentive processes: Configure the global parameter "Platform Subsidy Points Deduction Ratio" in the platform management interface; In the points allocation and deduction process, when the "merchant discount ratio" is higher than the platform's preset "minimum subsidy ratio" threshold, the platform subsidy mechanism is triggered. The platform will spend additional points equal to the currency equivalent of the service fee for this order, and allocate these points to the merchant's account.

5. The method according to claim 1, characterized in that, The method also includes a user referral commission process: Provide users with the ability to share products or merchants; When other users complete a purchase through the shared link, the corresponding commission will be returned to the user who initiated the sharing in the form of points or cash, based on the "user-promoted merchant commission" ratio of the shared product.

6. The method according to claim 1, characterized in that, The method also includes a diversified task listing process: On the platform management side, interfaces for "Listing Volunteer Activities" and "Listing Learning Tasks" are provided, which are independent of the product listing process. The volunteer activities and learning tasks are displayed as independent modules on the user's end. Users can directly receive points rewards from the platform after participating in and completing them.

7. The method according to claim 1, characterized in that, The method also includes an investment mall module management process: The platform management interface provides an interface for listing investment modules, allowing merchants or platforms to list stores or products with investment attributes. The investment module includes: (1) Investment in stores: Allows users to invest funds in specific merchants and receive a share of the store's future sales revenue according to preset rules after the investment; (2) Investment in commodities: Allows users to invest in specific commodity projects and receive a share of the sales profits of the commodity according to preset rules after investment; When displaying the investment module on the user's end, distinguish between displaying investment shops and investment products, and clearly indicate the investment threshold, expected rate of return, risk level and profit distribution rules for each investment project; In response to an investment request initiated by a user through a client application, an investment processing procedure is initiated, which includes: a. Determine the corresponding investment agreement template based on the type of investment project selected by the user (store investment or product investment); b. Execute the investment amount transfer and generate an electronic investment agreement; c. After the investment takes effect, the investment income will be calculated and distributed to the user's account periodically according to the preset income calculation rules; d. Provide an investment management interface for users to view the operating status, profit details, and exit mechanism of investment projects.

8. An e-commerce platform system implementing the method as described in any one of claims 1-7, characterized in that, include: The user-side module is used for browsing products, placing orders and making payments, using and viewing points, and participating in community activities and tasks. The merchant module is used for product information management, special attribute identification, order processing, commission and points earnings viewing, and community store information management. The platform management module is used to manage all merchant and product information, execute special product judgment algorithms, configure dynamic commission rules, manage points allocation rules and subsidy strategies, and review community stores and platform listing tasks. The core business logic engine, coupled with the user-side module, merchant-side module, and platform management-side module, is used to perform point allocation and deduction calculation, commission settlement, geolocation matching, and task completion determination.

9. The system according to claim 7, characterized in that, The core business logic engine includes: The points dynamic allocation unit is used to calculate and execute the transfer of points between the user, merchant, and platform accounts in real time based on order parameters and preset ratios; The commission dynamic calculation unit is used to calculate the commission for each order in real time based on the product category, merchant agent level, and sales tier. The community O2O dispatch unit is used to process self-pickup orders from community stores, generate pickup information, and push it to the user's end.

10. The system according to claim 7, characterized in that, The core business logic engine also includes: The investment management unit, coupled to the user-end module, merchant-end module, and platform management module, is used to handle the creation of investment stores and investment products, the execution of investment transactions, the calculation and distribution of profits, and the management of investment projects.

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