A contribution value transaction and withdrawal processing method based on consumption gift and dynamic base pool settlement

Abstract

The application provides a kind of based on consumption gift and dynamic bottom pool settlement contribution value transaction and cashing processing method, it is related to internet e-commerce and digital rights management technical field.The method comprises the following steps: step 1, user contribution value acquisition: after user completes purchase behavior in platform, system sends contribution value to user according to 10% of user actual payment amount, the contribution value sent is counted into the total number of user personal account contribution value, while all the contribution value obtained by all users is accumulated, to form the total contribution value number of platform;Step 2, income bottom pool establishment: platform extracts funds from its own operating income into contribution value income bottom pool, to form total bottom pool amount, the operating income includes at least one of commodity sales income, transaction commission, service charge.The realization user contribution and platform income synchronous binding, improve user stickiness and platform sustainable operation ability, guarantee the transparent accuracy of cashing settlement, form "consumption→gift value→value-added→cashing" closed-loop incentive system.

Description

Technical Field

[0001] This invention relates to the field of internet e-commerce and digital rights management technology, specifically a method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement. Background Technology

[0002] In the competitive landscape of the e-commerce industry, user incentive systems are one of the core means to enhance user stickiness, promote repeat purchases, and expand platform influence. Currently, existing e-commerce platforms primarily employ user incentive methods such as points, coupons, growth points, and cashback. These incentive methods generally suffer from the following technical shortcomings: 1. Fixed value of incentive assets, decoupled from platform operating revenue: The value of existing incentive assets such as points and coupons is mostly a fixed value or fixed discount preset by the platform. Their value does not change with the growth of platform sales performance and operating revenue. The appreciation potential of users holding incentive assets is limited, making it difficult to form long-term user binding and positive incentives, and failing to fully mobilize users' enthusiasm for participating in platform consumption and promotion.

[0003] 2. Opaque withdrawal mechanism and complex settlement logic: Some platforms have problems such as inconsistent conversion ratios and undisclosed settlement processes for points withdrawal. Users cannot clearly know the actual value of their incentive assets, which can easily lead to a crisis of trust. At the same time, traditional withdrawal mechanisms lack a closed-loop design. After withdrawal, the global incentive asset value cannot be automatically updated, which can easily lead to settlement loopholes and affect the platform's large-scale operation.

[0004] 3. High barriers to entry and weak correlation of incentives: Existing incentive methods are often too closely tied to users’ spending amount and frequency, or require users to complete complex promotions or tasks to obtain incentives, making it difficult to obtain incentives; moreover, the value of incentive assets is not strongly correlated with users’ actual contributions to the platform (such as the income from consumption and promotion), making it difficult to reflect the fairness of “more contribution, more income”.

[0005] Therefore, there is an urgent need for a method that can solve the above-mentioned defects, achieve synchronous growth of incentive assets and platform revenue, transparent and traceable withdrawal mechanism, and simple and fair incentive logic for the transfer and withdrawal of contribution value. Summary of the Invention

[0006] Technical problem solved: In response to the shortcomings of existing technologies, this invention provides a method for processing contribution value transactions and withdrawals based on consumption-based gifts and dynamic pool settlement, which solves the technical problems of fixed value, decoupling from platform operating revenue, and opaque withdrawal mechanisms in existing user incentive systems.

[0007] Technical Solution: To achieve the above objectives, this invention provides the following technical solution: a method for processing contribution value transactions and withdrawals based on consumption-based gifting and dynamic pool settlement, specifically including the following steps: Step 1: Obtaining User Contribution Values After a user completes a purchase on the platform, the system will award the user contribution points equal to 10% of the actual amount paid. These contribution points will be added to the user's personal account contribution points and will be accumulated to form the platform's total contribution points. Step 2, Establishing the Profit Pool: The platform extracts funds from its own operating income and transfers them into the contribution value revenue pool to form the total pool amount. The operating income includes at least one of the following: sales revenue, transaction commissions, and service fees. Step 3, Calculation of Contribution Value: The system dynamically calculates the value of each contribution value in real time according to the formula "Contribution Value = Total Pool Amount ÷ Total Contribution Values". The total pool amount increases with the increase of the platform's operating income, which in turn drives up the value of the contribution value. The unit of contribution value is "yuan / unit", which represents the actual monetary value corresponding to a single contribution value. Step 4: User withdrawal settlement: After a user initiates a withdrawal request for contribution points, the system calculates the actual amount received by the user according to the formula "Amount received = Number of contribution points withdrawn × Contribution points × 0.8", where 0.8 is a preset withdrawal conversion factor; Step 5: Global Data Update After a user completes a withdrawal, the system automatically updates the total pool amount and total contribution value. The update formulas are "New total pool amount = Original total pool amount - Amount received" and "New total contribution value = Original total contribution value - Withdrawal contribution value". Based on the updated total pool amount and total contribution value, the system recalculates the contribution value held by the remaining users.

[0008] Preferably, in step 1, the actual payment amount paid by the user is the actual payment amount after deducting coupons, discounts, and cashback, excluding shipping fees and taxes.

[0009] Preferably, in step 2, the proportion of operating revenue withdrawn by the platform and deposited into the revenue pool is preset according to the platform's operational needs and dynamically adjusted.

[0010] Preferably, in step 3, the system updates the total pool amount or total contribution value in real time and recalculates the contribution value every time it completes a platform operating income recording or a user contribution value gift or withdrawal.

[0011] Preferably, in step 4, when a user withdraws funds, the system needs to verify the user's identity information and personal account status. After confirming that everything is correct, the system will execute the withdrawal settlement process. The withdrawal method includes at least one of bank card, platform balance, and third-party payment account.

[0012] Preferably, in step 5, after the system updates the total pool amount and the total contribution value, it publicizes the updated contribution value to all users through platform announcements, user personal account notifications, and other means.

[0013] Preferably, it also includes contribution value freezing rules: the contribution value obtained by the user is subject to a preset freezing period from the date of receipt, and withdrawal can only be initiated after the freezing period ends. The freezing period is dynamically adjusted according to the user's consumption frequency and consumption amount.

[0014] Beneficial Effects: This invention provides a method for processing contribution value transactions and withdrawals based on consumption-based gifting and dynamic pool settlement. It has the following beneficial effects: 1. Using the processing method of this invention, users only need to complete the consumption behavior to obtain contribution points, the gift ratio is clear (10% of the actual payment amount), the rules are simple and easy to understand, users do not need to complete complicated tasks to participate in the incentive, effectively reducing the user participation threshold and increasing the user's initial willingness to participate.

[0015] 2. The value of contribution points is directly linked to the platform's operating revenue and increases with the growth of the total pool amount, allowing users to share in the platform's development achievements and forming a positive cycle of "user consumption → platform growth → contribution point value increase → user revenue increase → further consumption", which significantly enhances user stickiness and long-term participation motivation.

[0016] 3. The formulas for calculating contribution value and withdrawal amount are public and traceable, allowing users to calculate their withdrawal earnings in advance, avoiding opaque operations and increasing user trust in the platform. At the same time, the system automatically updates global data after withdrawal, forming a closed-loop settlement logic, avoiding settlement loopholes, and supporting the platform's large-scale and long-term operation.

[0017] 4. Parameters such as withdrawal conversion factor, profit pool extraction ratio, and contribution value freeze period can be dynamically adjusted according to the platform's operational needs, adapting to e-commerce platforms of different sizes and types (such as self-operated e-commerce and platform-based e-commerce), and have strong scalability. Attached Figure Description

[0018] Figure 1 The overall flowchart of the contribution value transaction and withdrawal processing method based on consumption gifting and dynamic pool settlement provided in the embodiments of the present invention; Figure 2 This is a schematic diagram illustrating the process of obtaining user contribution value and establishing a revenue pool, as provided in an embodiment of the present invention. Figure 3This is a schematic diagram illustrating the process of calculating contribution value and settling cash withdrawal in an embodiment of the present invention. Detailed Implementation

[0019] 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.

[0020] like Figure 1-3 As shown, this embodiment of the invention provides a method for processing contribution value transactions and withdrawals based on consumption-based gifting and dynamic pool settlement. The specific technical solution is as follows: Step 1: Obtaining User Contribution Value After a user completes a purchase on the platform (including the purchase of physical goods, virtual goods, and services), the system automatically calculates the user's actual payment amount (defined as the amount after deducting coupons, discounts, and cashback from the user's order amount, excluding shipping fees, taxes, and other non-product / service costs), and awards the user contribution points equal to 10% of the actual payment amount.

[0021] The contribution points awarded are added to the user's personal account in real time, and users can check the number of contribution points they hold through their personal account. At the same time, the system accumulates the contribution points earned by all users in real time to form the total contribution points at the platform level. The total contribution points continue to increase as new users receive contribution points for spending and existing users receive contribution points for repeat purchases.

[0022] Step 2: Establishing the Profit Pool The platform establishes a dedicated contribution value revenue pool to support the funds supporting the value of contribution values. The platform allocates funds from its daily operating revenue according to a preset ratio to this revenue pool, forming the total pool amount; operating revenue includes, but is not limited to, merchandise sales revenue, third-party merchant commissions, platform service fees, and advertising revenue.

[0023] Optionally, the proportion of operating revenue withdrawn by the platform and deposited into the revenue pool can be flexibly preset according to the platform's operational needs (such as withdrawing 5%-20% of operating revenue), and can be dynamically adjusted according to the platform's sales performance, user scale, and other factors to ensure sufficient funds in the revenue pool to support the stable growth of contribution value.

[0024] Step 3: Calculation of Contribution Value The system dynamically calculates the value of each individual contribution in real time, based on the current total pool amount and the total number of contributions. The specific calculation formula is as follows:

[0025] The unit for contribution value is "yuan / value", representing the actual monetary value of a single contribution value. As the platform's operating revenue increases, the total pool amount grows in tandem. The growth rate of the total contribution value is positively correlated with the frequency and amount of user consumption. When the growth rate of the total pool amount exceeds the growth rate of the total contribution value, the value of the contribution value increases accordingly, achieving a positive cycle of "platform growth → user asset appreciation".

[0026] Furthermore, the system updates the total pool amount or total contribution value in real time every time it completes a platform operating income recording or a user contribution value gifting or withdrawal operation, and immediately recalculates the contribution value to ensure that the contribution value queried by the user is always the latest data.

[0027] Step 4: User withdrawal settlement When a user initiates a withdrawal request for contribution points through their personal account, they must enter the number of contribution points to be withdrawn (the number of contribution points to be withdrawn cannot exceed the total number of contribution points currently held in their personal account). After receiving the withdrawal request, the system first verifies the user's identity information (such as real-name authentication, mobile phone number verification, etc.) and personal account status (such as whether there are any violations, freezes, etc.). After successful verification, the actual amount received by the user is calculated according to the following formula:

[0028] The 0.8 is the platform's preset withdrawal conversion factor. This factor can be flexibly adjusted according to the platform's operating costs, profit distribution needs, etc., and the adjustment must be announced to all users through the platform's announcement.

[0029] Users can choose to receive their withdrawals via bank card, platform balance, or third-party payment account (such as WeChat or Alipay). After the system completes the settlement, the amount will be transferred to the user's designated account in real time, and a withdrawal success notification will be sent to the user.

[0030] Step 5: Global Data Update After a user completes a withdrawal, the system automatically updates the total pool amount and total contribution value. The update logic is as follows:

[0031] After the data update, the system recalculates the value of each individual contribution value based on the updated total pool amount and the new total contribution value, ensuring that the value of the contribution values ​​held by the remaining users matches the current platform revenue. Simultaneously, the system discloses the updated contribution value to all users through platform announcements and user account notifications, guaranteeing settlement transparency.

[0032] Secondly, to further enhance the stability and fairness of the platform's operations, a contribution value freeze rule can be added: Contribution values ​​earned by users will be frozen for a preset period (e.g., 7 days, 30 days) from the date they are credited to their account. During this freeze period, users cannot initiate withdrawals. After the freeze period ends, the contribution values ​​will be automatically unfrozen, allowing for normal withdrawals. The freeze period can be dynamically adjusted based on factors such as user spending frequency, spending amount, and account level. For example, high-frequency and high-spending users can enjoy shorter freeze periods, thereby incentivizing repeat purchases.

[0033] A system for implementing a contribution value transaction and withdrawal processing method based on consumption gifting and dynamic pool settlement is specifically composed of the following core modules: user consumption processing module, contribution value management module, revenue pool management module, contribution value calculation module, withdrawal processing module, and global data update module; The user consumption processing module receives user order information and calculates the actual payment amount (excluding coupons, discounts, and cashback, but excluding shipping and taxes).

[0034] The contribution value management module includes: Contribution value calculation unit: The contribution value to be awarded is calculated as 10% of the actual payment amount.

[0035] Contribution value accounting unit: The contribution value is credited to the user's personal account and simultaneously added to the total contribution value of the platform.

[0036] Freeze period management: Supports setting a freeze period for contribution value, which can be dynamically adjusted based on the user's consumption frequency and amount.

[0037] The revenue pool management module extracts funds from the platform's operating revenue (product sales, transaction commissions, service fees, etc.) at a preset ratio and deposits them into the contribution value revenue pool. The extraction ratio can be dynamically configured according to operational needs.

[0038] The contribution value calculation module calculates the value of a single contribution value in real time using the formula: Value of a single contribution value = Total base pool amount ÷ Total number of contribution values. A recalculation is triggered after each revenue transaction, contribution value gift, or withdrawal.

[0039] The withdrawal processing module includes: Authentication Unit: Verifies user identity and account status.

[0040] Calculation of received amount: The actual amount received is calculated according to the formula: Amount received = Number of withdrawal contribution values ​​× Contribution value × 0.8 (0.8 is the withdrawal discount factor).

[0041] Funds transfer unit: Supports multiple payment methods such as bank cards, platform balance, and third-party payment accounts.

[0042] The global data update module includes the following sub-functions: Pool data update unit: New total pool amount = Original total pool amount - Amount received Contribution Value Total Update Unit: New Total Contribution Value = Original Total Contribution Value - Withdrawal Contribution Value Value Recalculation Unit: Recalculates the remaining contribution value held by users based on the updated data. The updated contribution value is publicized through platform announcements, user account notifications, and other means. Example

[0043] This embodiment uses a self-operated e-commerce platform as an example to illustrate the specific implementation process of the method of the present invention: 1. Contribution Point Acquisition: User A purchases an item on the platform. The item is priced at 1200 yuan, and a coupon is used to deduct 200 yuan, so the actual payment amount is 1000 yuan (excluding shipping fees). The system awards 100 contribution points to User A based on 10% of the actual payment amount, bringing User A's total contribution points to 100, and the platform's total contribution points to 1 million.

[0044] 2. Establishment of the revenue pool: When the platform's current operating income (product sales revenue) reaches RMB 1 million, 10% of the funds will be withdrawn into the contribution value revenue pool according to the preset ratio, with a total pool amount of RMB 100,000.

[0045] 3. Contribution value calculation: The system calculates the contribution value according to the formula "Contribution value = Total pool amount ÷ Total number of contribution values". The current contribution value = 100,000 yuan ÷ 1,000,000 = 0.1 yuan / value. The actual value of 100 contribution values ​​held by user A is 10 yuan.

[0046] 4. Platform Revenue Growth: In the following period, the platform will generate an additional 500,000 yuan in operating revenue. 10% of this will be extracted, with 50,000 yuan deposited into the revenue pool, bringing the total pool amount to 150,000 yuan. At the same time, new user consumption bonuses will be generated, bringing the total number of contribution points to 1.2 million. At this point, the contribution point value will be updated to 150,000 yuan ÷ 1,200,000 points = 0.125 yuan / point. User A's 100 contribution points will have an actual value of 12.5 yuan, achieving value appreciation.

[0047] 5. User withdrawal settlement: User A initiates a withdrawal request, enters the withdrawal contribution value of 100 (i.e., all the contribution values ​​they hold), and after the system verifies the user's identity, it calculates the amount received according to the formula "Amount received = Withdrawal contribution value × Contribution value × 0.8". The amount received is 100 × 0.125 × 0.8 = 10 yuan. The system transfers 10 yuan to the bank card designated by User A, completing the withdrawal.

[0048] 6. Global Data Update: After withdrawals are completed, the system updates the total pool amount and total contribution value. The new total pool amount = 150,000 yuan - 10 yuan = 149,990 yuan, and the new total contribution value = 1,200,000 - 100 = 1,199,900. The contribution value is recalculated as 149,990 yuan ÷ 1,199,900 ≈ 0.125 yuan / value. The value of the contribution value held by the remaining users remains stable. The system publishes the updated data through platform announcements. Example

[0049] This embodiment describes the implementation process including contribution value freezing rules, as follows: 1. Contribution Point Acquisition: When User B actually spends 800 yuan on the platform, the system will give him 80 contribution points. At the same time, the contribution points will be frozen for 7 days. During the freeze period, User B will not be able to initiate withdrawal.

[0050] 2. Data changes during the freeze period: During the freeze period, the platform generated 800,000 yuan in new operating revenue, the total pool amount increased from 80,000 yuan to 160,000 yuan, the total number of contribution values ​​increased from 800,000 to 1,500,000, and the contribution value increased from 0.1 yuan / value to 0.1067 yuan / value.

[0051] 3. Withdrawal Settlement: After the freeze period ends, user B initiates a withdrawal with a contribution value of 80. At this time, the contribution value is 0.1067 yuan / value, and the amount received is approximately 6.83 yuan (80 × 0.1067 × 0.8).

[0052] 4. Global Data Update: The total pool amount is updated to 160,000 yuan - 6.83 yuan = 159,993.17 yuan, and the total number of contribution values ​​is updated to 1,500,000 - 80 = 1,499,920. The contribution value is recalculated as ≈159,993.17 ÷ 1499,920 ≈ 0.1067 yuan / value. Settlement is complete.

[0053] As can be seen from the above embodiments and technical solutions, this invention adopts a closed-loop design of "consumption bonus + dynamic value-added + transparent withdrawal," specifically including: after a user makes a purchase, they receive contribution points equal to 10% of the actual payment amount; the platform establishes a sales revenue pool, and the contribution value is dynamically calculated using the formula "contribution value = total pool amount ÷ total contribution value"; when a user withdraws, the settlement is based on "amount received = withdrawal contribution value × contribution value × 0.8," and the total pool amount and total contribution value are automatically updated after the withdrawal, and the remaining contribution value is recalculated. This invention synchronously binds user contributions with platform revenue, enhancing user stickiness and the platform's sustainable operation capabilities, and is applicable to user incentive and revenue-sharing scenarios on various e-commerce platforms.

[0054] Although embodiments of the invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made to these embodiments without departing from the principles and spirit of the invention, the scope of which is defined by the appended claims and their equivalents.

Claims

1. A method for processing contribution value transactions and withdrawals based on consumption-based gifting and dynamic pool settlement, characterized in that, Specifically, the following steps are included: Step 1: Obtaining User Contribution Values After a user completes a purchase on the platform, the system will award the user contribution points equal to 10% of the actual amount paid. These contribution points will be added to the user's personal account contribution points and will be accumulated to form the platform's total contribution points. Step 2, Establishing the Profit Pool: The platform extracts funds from its own operating income and transfers them into the contribution value revenue pool to form the total pool amount. The operating income includes at least one of the following: sales revenue, transaction commissions, and service fees. Step 3, Calculation of Contribution Value: The system dynamically calculates the value of each contribution value in real time according to the formula "Contribution Value = Total Pool Amount ÷ Total Contribution Values". The total pool amount increases with the increase of the platform's operating income, which in turn drives up the value of the contribution value. The unit of contribution value is "yuan / unit", which represents the actual monetary value corresponding to a single contribution value. Step 4: User withdrawal settlement: After a user initiates a withdrawal request for contribution points, the system calculates the actual amount received by the user according to the formula "Amount received = Number of contribution points withdrawn × Contribution points × 0.8", where 0.8 is a preset withdrawal conversion factor; Step 5: Global Data Update After a user completes a withdrawal, the system automatically updates the total pool amount and total contribution value. The update formulas are "new total pool amount = original total pool amount - amount received" and "new total contribution value = original total contribution value - withdrawal contribution value". Based on the updated total pool amount and total contribution value, the system recalculates the contribution value held by the remaining users.

2. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement according to claim 1, characterized in that: In step 1, the actual payment amount for the user is the actual payment amount after deducting coupons, discounts, and cashback, excluding shipping fees and taxes.

3. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement as described in claim 1, characterized in that: In step 2, the proportion of operating revenue withdrawn by the platform and deposited into the revenue pool is preset according to the platform's operational needs and is dynamically adjusted.

4. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement according to claim 1, characterized in that: In step 3, the system updates the total pool amount or total contribution value in real time and recalculates the contribution value every time it completes a platform operating income recording or a user contribution value gift or withdrawal.

5. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement according to claim 1, characterized in that: In step 4, when a user withdraws funds, the system needs to verify the user's identity information and personal account status. After confirming that everything is correct, the system will execute the withdrawal settlement process. The withdrawal method includes at least one of bank card, platform balance, and third-party payment account.

6. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement according to claim 1, characterized in that: In step 5, after the system updates the total pool amount and total contribution value, it publicizes the updated contribution value to all users through platform announcements, user personal account notifications, and other means.

7. The method for processing contribution value transactions and withdrawals based on consumption gifts and dynamic pool settlement according to claim 1, characterized in that: It also includes contribution value freezing rules: the contribution value earned by the user will be frozen for a preset period from the date of receipt. Withdrawal can only be initiated after the freeze period ends. The freeze period is dynamically adjusted according to the user's consumption frequency and consumption amount.

8. A system for implementing a contribution value transaction and withdrawal processing method based on consumption gifting and dynamic pool settlement, characterized in that: Specifically, it consists of the following core modules: user consumption processing module, contribution value management module, revenue pool management module, contribution value calculation module, withdrawal processing module, and global data update module. These modules work together to realize the gifting of contribution values, dynamic pricing, withdrawal settlement, and data consistency maintenance.

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