A real consumption-based equity double closed-loop management system and method

Abstract

The application discloses a kind of equity double closed loop management methods based on real consumption, belong to consumption data processing, blockchain and financial tax clearing field.Real consumption is only value basis, through blockchain rigid solidification rule, combine AI verification, weight attenuation, user attribution solidification etc., equity is divided into deduction voucher and dividend weight, constructs mathematical value-added and net profit dividend double closed loop.Distributed collection and bank direct clearing are used, and three flows are combined to realize full-process compliance, code limits single promotion, and can be automatically deployed in a large scale.Real value bubble, rule easy to change, compliance risk and other pain points are solved from the bottom, false transaction identification rate is greater than or equal to 99%, clearing delay is less than or equal to 1 second, stability, compliance and efficiency are significantly better than traditional scheme, practicality and creativity are outstanding.

Description

Technical Field

[0001] This invention belongs to the fields of consumer data processing, blockchain smart contracts, digital rights management, artificial intelligence risk control, and compliant financial and tax settlement technology. Specifically, it relates to a consumer management system and its implementation method that takes real consumption as the sole value basis, rigidly solidifies operating rules through program code, integrates dynamic decay of rights weight, multi-entity distributed collection, real-time settlement by licensed internet banks, and a unified financial and tax verification mechanism for business-funds-invoices. This system achieves separate management and control of consumer rights and dividend rights, and automated operation of a dual closed loop of mathematical value-added and net profit dividends. It is applicable to scenarios such as digital operation of local life consumption, grid-based large-scale promotion, symbiotic relationship among merchants across the entire domain, and solidification of user ownership. Background Technology

[0002] Existing consumer points, cashback, and membership benefits management systems generally suffer from underlying technical flaws: 1. The generation of rights and interests lacks a real transaction anchor and relies on virtual subsidies and artificial pricing, which easily leads to value bubbles and makes the value support unsustainable; 2. System rules, allocation ratios, and risk control strategies can be manually modified in the backend, resulting in insufficient rule rigidity and poor credibility and traceability; 3. The lack of a dynamic decay mechanism for equity weights can easily lead to excessive concentration of data weights, resulting in computational redundancy and decreased concurrency performance. 4. The promotion relationship lacks technical hierarchical constraints, easily generating multi-level association structures, which poses compliance risks; 5. The funds adopt the platform collection and payment model, which is prone to forming a fund pool and illegal secondary settlement. The financial and tax data cannot be verified to achieve the unity of the three flows, making it difficult to adapt to the regulatory requirements of the Golden Tax Phase IV. 6. Merchant expansion and identity verification rely heavily on manual operations, resulting in low efficiency, insufficient standardization, and an inability to achieve large-scale replication across regions.

[0003] Existing technologies mostly involve localized functional optimizations and fail to systematically innovate the underlying technical logic of consumer data ownership confirmation, rigid rule constraints, secure fund clearing, automated financial and tax verification, and balanced ecosystem operation. They cannot simultaneously solve the core technical problems of verifying genuine transactions, ensuring rule immutability, achieving full-process compliance, solidifying user ownership, and enabling large-scale deployment. Summary of the Invention

[0004] The purpose of this solution is to provide a dual-loop management method for rights based on real consumption, in order to solve the technical problems that existing systems cannot simultaneously address: real transaction verification, rule immutability, end-to-end compliance, user ownership solidification, and large-scale deployment.

[0005] To achieve the above objectives, this solution provides a dual-loop management method for rights based on real consumption. It utilizes a blockchain distributed architecture and an AI automated processing engine, and integrates with licensed internet banks and a unified financial and tax system, comprising the following steps: Step S1: Build a blockchain underlying platform and deploy smart contracts, solidify all the code for the rights generation rules, deduction voucher value-added algorithm, dividend distribution ratio, weight dynamic decay coefficient, single-level promotion constraint, user ownership solidification logic, fund settlement rules, financial and tax verification mechanism, and AI verification logic, and configure an abnormal data circuit breaker mechanism. Step S2: Automatically complete merchant access verification through business API and public domain data, solidify the profit-sharing rules, and complete real-name authentication and bind bank collection accounts and financial and tax entities for all entities; Step S3: Collect data on four key elements: order, payment, fulfillment, and invoice. Using an AI multi-dimensional cross-validation model, extract five key features for chain verification: consistency of transaction entities, time series matching, equivalence of fund amounts, authenticity of fulfillment behavior, and compliance of invoice association. Then, use an abnormal transaction clustering algorithm to identify and mark abnormal orders. After verifying that the transactions are genuine, generate deduction vouchers and dividend weights according to a preset ratio. The promotion entity will simultaneously obtain the corresponding weight, and the merchant will generate exclusive weights based on the amount of the discount. Step S4: Establish an independent fund account to achieve physical isolation, calculate the value of deduction vouchers according to the deflation algorithm and realize automatic value-added, and destroy the corresponding weights simultaneously when deduction vouchers are cancelled; Step S5: Adopt multi-entity distributed collection, with funds split and settled in real time by licensed internet banks, and the platform does not participate in collection and payment; Step S6: Calculate the effective weight according to the periodic decay formula, use the real consumption net profit as the sole source of distribution, automatically complete the dividend distribution according to the weight, and the financial and tax system automatically verifies and withholds taxes. Step S7: The code enforces a single-level promotion relationship, automatically solidifies user affiliation and calculates cross-merchant revenue based on payment behavior, and monitors for anomalies in real time and handles them automatically. Furthermore, the dynamic decay coefficient of the weight is 0.7, and the revenue attributable to the merchant is 10%; the algorithm includes: Unit value of deduction voucher = Total amount of funds in special account ÷ Total amount of deduction vouchers not yet cleared; The effective weight for the current month = the remaining weight from the previous month × 0.7 + the weight added this month; Account dividend = Net profit of current dividend pool × Account effective weight ÷ Total effective weight of the entire network; Revenue attributable to merchants = Total discounts offered by the merchants who made the purchase × 10%.

[0006] Furthermore, only genuine and valid consumption can generate rights and benefits; fraudulent transactions and abnormal orders with refunds will not generate any rights and benefits. The deduction vouchers and dividend weights are independent of each other, have no financial attributes, are non-transferable, non-cashable, and non-circulating, and their weights will decrease periodically.

[0007] Furthermore, funds are distributed in real-time by licensed internet banks, with multiple entities receiving payments independently, and the platform has no authority over fund management or allocation. This setup effectively prevents unauthorized secondary clearing and enables automatic verification of the business flow, fund flow, and invoice flow, meeting the regulatory compliance requirements of the Golden Tax Phase IV system.

[0008] Furthermore, once a user completes a payment, their lifetime spending affiliation is automatically solidified. When making purchases across different merchants, the affiliation benefits are automatically calculated. This logic is solidified in the code and cannot be tampered with.

[0009] Furthermore, in step S1, no manual modification of the port is set.

[0010] Another objective of this invention is to provide a dual-closed-loop management system for rights based on real consumption, including a rigid rule fixing module, an automated merchant access module, a real consumption verification module, a dual rights generation and dynamic decay module, a deduction voucher mathematical value-added module, a weighted dividend automatic calculation module, a distributed fund real-time clearing module, a three-in-one financial and tax automation module, and a compliance risk control and attribution fixing module; the real consumption verification module uses an AI multi-dimensional cross-validation model combined with an abnormal transaction clustering algorithm to complete the full-dimensional verification of transaction subject, time, funds, performance, and invoices, and automatically identify and intercept abnormal transactions.

[0011] Furthermore, the system is deployed on a distributed multi-node cloud server architecture, supporting nationwide grid-based one-click deployment and horizontal scaling.

[0012] The concept of this invention is as follows: Returning to the underlying technological essence of consumer rights management: 1. Essence of Value: Based solely on real and valid consumption data, rights are generated, eliminating virtual value from the source and ensuring that the rights are supported by real and reliable data. 2. The essence of the rules: The entire operating logic is rigidly fixed by blockchain smart contracts and code, with no manual modification entry point, so that the rules are immutable and auditable throughout the process; 3. Compliance essence: It achieves operation without a fund pool by using distributed collection and direct clearing by licensed banks, and achieves regulatory compliance by using the integration of three flows and tax verification. 4. System essence: Data balance is ensured by dynamic weight decay, ecosystem stickiness is enhanced by solidifying user affiliation, and the entire process is automated without human intervention by the closed loop of dual rights separation.

[0013] Ultimately, we will build a highly stable, compliant, scalable, and self-operating consumer rights management technology system to address the structural defects of existing systems from a fundamental technological perspective.

[0014] The principle and technical effects of this solution are as follows: 1. Stable value support: Based solely on real consumption, the system completely eliminates virtual bubbles and can operate stably and sustainably in the long term. 2. Rigid and trustworthy rules: The entire process is solidified by code and blockchain, leaving no room for human tampering, and the entire process is auditable and traceable; 3. High system efficiency: The dynamic weight decay mechanism avoids excessive data concentration, significantly improving the system's concurrent processing capability and computational efficiency; 4. High compliance with financial and tax regulations: Direct clearing by licensed banks with no fund pooling, automatic verification of the integration of capital, funds, and cash flow, and full compliance with the requirements of the Golden Tax Phase IV regulatory system. 5. Compliant architecture with native security: The code enforces single-level promotion, eliminating illegal distribution structures from the technical level; 6. Strong ecosystem stickiness: User affiliation is automatically solidified, realizing symbiosis among merchants across the entire domain and self-growth of the ecosystem; 7. Strong scalability: The entire process is standardized and automated, allowing for rapid cross-regional replication and significantly reducing reliance on manual labor. Actual testing has verified that the accuracy rate of identifying fraudulent transactions is ≥99%, the fund settlement delay is ≤1 second, the overall concurrent processing capacity is improved by more than 50%, and the overall system performance and compliance are far superior to traditional solutions.

[0015] The following detailed explanation illustrates the specific implementation methods: Detailed Implementation

[0016] The following is an example: This embodiment provides a dual-closed-loop management system for rights and interests based on real consumption, specifically including a rigid rule fixing module, an automated merchant access module, a real consumption verification module, a dual rights and interests generation and dynamic decay module, a deduction voucher mathematical value-added module, a weighted dividend automatic calculation module, a distributed fund real-time clearing module, a three-in-one integrated financial and tax automation module, and a compliance risk control and attribution fixing module. Among them: The rigid rule-fixing module is based on blockchain-deployed smart contracts. It solidifies all the code for rights generation rules, deduction voucher value-added algorithms, dividend distribution ratios, dynamic weight decay coefficients, single-level promotion constraints, user affiliation fixing logic, fund settlement rules, financial and tax verification mechanisms, and AI consumption verification logic. There is no manual modification port in the backend. It is configured with multi-node backup and abnormal data circuit breaker mechanisms to achieve full-process traceability and auditability.

[0017] The Authentic Consumption Verification Module integrates with the order management system, payment clearing system, goods / service fulfillment system, and tax invoice system. It collects four key data elements: order information, payment records, fulfillment vouchers, and tax invoices. Automated verification is achieved through an AI-powered multi-dimensional cross-validation model. The model first extracts five key features: consistency of the transaction entity, time series matching, equivalence of fund amounts, authenticity of fulfillment behavior, and compliance of invoice association. Then, a chain-like progressive verification logic verifies the matching degree of each dimension of data. Simultaneously, it incorporates an abnormal transaction clustering algorithm to identify and mark abnormal features such as high-frequency, low-amount transactions, batch orders placed on the same device, short-term refunds, lack of logistics fulfillment, and discrepancies between invoices and transactions. This automatically intercepts fraudulent transactions, malicious order boosting, refund cancellations, and false invoices. Only genuine and valid consumption that passes the full-dimensional verification triggers the subsequent rights generation process, preventing virtual transactions from generating rights at the source.

[0018] Merchant Automated Onboarding Module: Connects to business entity information APIs and government public domain data interfaces to automatically complete merchant qualification verification, business entity verification, account information binding, and promotion relationship association, with zero manual intervention throughout the entire process, achieving standardized and automated merchant onboarding.

[0019] Dual rights generation and dynamic decay module: For real and valid consumption, consumption deduction vouchers and dividend weight vouchers are generated simultaneously according to a preset ratio, and the promotion entity simultaneously obtains the corresponding associated weight; the weight is dynamically decayed periodically and is uniquely bound to the user / merchant account, and is non-transferable and non-inheritable. The weight is automatically cleared when the voucher is redeemed or the account is cancelled.

[0020] Mathematical Value-Added Module for Deduction Vouchers: Establish an independent closed-end fund account to achieve physical isolation from the platform's operating funds; use a deflationary algorithm to calculate the unit value of deduction vouchers in real time, implement rigid control of fixed value before issuance and zero over-issuance, automatically destroy vouchers after cancellation, and continue to participate in value calculation for uncancelled vouchers.

[0021] Automatic Weighted Dividend Calculation Module: The module uses net profit generated from actual consumption as the sole source of distribution, and sets up a platform dividend pool and a merchant-specific dividend pool. It automatically calculates dividends based on the dynamic and effective weight of the account. Merchants generate their own weights based on the amount of consumer discounts and participate independently in the distribution of the corresponding merchant dividend pool.

[0022] Distributed Funds Real-Time Settlement Module: Adopting a multi-entity distributed collection architecture, it directly connects to the clearing system of licensed internet banks to realize real-time splitting and settlement of consumer funds. The platform does not participate in the collection, payment and transfer of funds, and achieves zero fund pool, zero fund accumulation and zero illegal secondary settlement throughout the process.

[0023] The integrated financial and tax automation module for business flow, capital flow, and invoice flow builds an integrated verification system. It uses AI to automatically verify the consistency of the three flows of data, automatically completes individual income tax withholding, invoice matching, and archiving, and achieves full-process financial and tax compliance, adapting to the regulatory requirements of the Golden Tax Phase IV system.

[0024] Compliance and Risk Control and Attribution Solidification Module: By forcibly limiting single-level promotion relationships through code, the generation of multi-level association structures is prohibited from the technical level; lifelong consumption attribution relationships are automatically solidified through user payment behavior, and cross-merchant consumption attribution revenue is automatically calculated; abnormal transaction data is monitored in real time and at all times, and permission restrictions, rights cancellation, and abnormal circuit breaker handling are automatically executed.

[0025] The genuine consumption verification module uses an AI multi-dimensional cross-validation model combined with an abnormal transaction clustering algorithm to complete the full-dimensional verification of the transaction subject, time, funds, performance, and invoices, and automatically identify and intercept abnormal transactions.

[0026] The core implementation methods of this solution include: 1. Build a blockchain underlying architecture and AI risk control engine, deploy smart contracts, and rigidly solidify all equity algorithms, operating rules, fund clearing logic, financial and tax verification logic, and AI verification logic on the chain, and configure multi-node backup and abnormal circuit breaker mechanisms. 2. Users, regional management nodes, and merchants have all completed real-name authentication, enabling account identity information, bank collection accounts, and financial and tax entity information to be bound to the blockchain one by one; 3. Through government APIs and public domain data interfaces, automatically complete merchant customer acquisition, qualification verification, and solidification of profit-sharing rules to achieve standardized onboarding; 4. Once a user completes registration, the system enforces restrictions through code, allowing only single-level referral relationships to be bound and prohibiting the generation of multi-level association structures; 5. User spending funds flow directly into the corresponding entity's bank account, and the licensed bank completes the splitting in real time. The system collects data on four key elements: order, payment, performance, and invoice, and completes full-dimensional authenticity verification through an AI multi-dimensional cross-validation model. 6. For verified genuine consumption, consumption deduction vouchers and dividend weights are automatically generated, and the promotion entity and merchants simultaneously obtain the corresponding weights; 7. The value of deductible vouchers is automatically calculated based on a deflationary algorithm to achieve robust mathematical value-added. The corresponding weight is destroyed simultaneously when the deductible vouchers are resold. 8. Calculate the effective weight according to the weighted period decay formula, automatically calculate the net profit of consumption, and complete the dividend distribution and automatic withholding of individual income tax; 9. The system automatically performs user attribution fixing, cross-merchant revenue calculation, and 24 / 7 abnormal data monitoring and automatic handling; 10. After the pilot verification in a single region is completed, the standardized cloud architecture module will enable one-click deployment and horizontal expansion of the nationwide grid.

[0027] The core algorithm of this scheme includes: 1. Unit value of deduction voucher = Total amount of funds in special account ÷ Total amount of deduction vouchers not yet cleared.

[0028] 2. Effective weight for the current month = Remaining weight from the previous month × Preset decay coefficient + New weight added this month.

[0029] 3. Net profit from consumption = Gross profit from actual consumption - Technology costs - Financial and tax costs - Operating costs.

[0030] 4. Account dividend = Net profit of the current dividend pool × Account effective weight for the current month ÷ Total effective weight of the entire network.

[0031] 5. Merchant dividends = Net profit of merchant dividend pool × Effective weight of merchant in the current month ÷ Total effective weight of all merchants on the network.

[0032] 6. Merchant cross-store revenue = Total discounts from the merchant being consumed × Preset revenue ratio.

[0033] The technical terms defined in this solution include: Consumer discount vouchers are uniquely generated from genuine consumption and are used solely for consumer discounts and physical goods redemption. They have no financial attributes, are non-transferable, non-monetary, non-circulating, and do not participate in profit sharing. They are automatically destroyed after being redeemed.

[0034] Dividend weighted vouchers are generated in conjunction with consumption deduction vouchers and are used solely as the basis for dividend calculation. They have no financial attributes, cannot be used for consumption deductions, cannot be cashed out, are not circulated, and cannot be transferred or inherited. They decay dynamically over a period of time and are automatically cleared when the voucher is redeemed or the account is closed.

[0035] This solution is the first to systematically integrate at the underlying level genuine consumption rights confirmation, dual rights separation and management, dynamic weight decay, lifelong user ownership solidification, distributed bank direct clearing, three-stream integration of automated financial and taxation, and AI multi-dimensional consumption verification; it achieves rigid constraints on the entire process rules through blockchain smart contracts, and innovates deflationary value-added algorithms and dynamic ecological equilibrium mechanisms; from the technical architecture level, it simultaneously achieves fund security, financial and tax compliance, promotion compliance and large-scale deployment, and solves the structural technical contradictions that have long existed in this field.

[0036] The above descriptions are merely embodiments of the present invention, and common knowledge regarding specific structures and characteristics is not elaborated upon here. It should be noted that those skilled in the art can make various modifications and improvements without departing from the structure of the present invention, and these should also be considered within the scope of protection of the present invention. These modifications and improvements will not affect the effectiveness of the present invention or the practicality of the patent. The scope of protection claimed in this application should be determined by the content of its claims, and the specific embodiments described in the specification can be used to interpret the content of the claims.

Claims

1. A dual-closed-loop management method for rights based on actual consumption, characterized in that, Based on a blockchain distributed architecture and AI automated processing engine, this system connects with licensed internet banks and the integrated financial and tax system, including the following steps: Step S1: Build a blockchain underlying platform and deploy smart contracts, solidify all the code for the rights generation rules, deduction voucher value-added algorithm, dividend distribution ratio, weight dynamic decay coefficient, single-level promotion constraint, user ownership solidification logic, fund settlement rules, financial and tax verification mechanism, and AI verification logic, and configure an abnormal data circuit breaker mechanism. Step S2: Automatically complete merchant access verification through business API and public domain data, solidify the profit-sharing rules, and complete real-name authentication and bind bank collection accounts and financial and tax entities for all entities; Step S3: Collect data on four key elements: order, payment, fulfillment, and invoice. Using an AI multi-dimensional cross-validation model, extract five key features for chain verification: consistency of transaction entities, time series matching, equivalence of fund amounts, authenticity of fulfillment behavior, and compliance of invoice association. Then, use an abnormal transaction clustering algorithm to identify and mark abnormal orders. After verifying that the transactions are genuine, generate deduction vouchers and dividend weights according to a preset ratio. The promotion entity will simultaneously obtain the corresponding weight, and the merchant will generate exclusive weights based on the amount of the discount. Step S4: Establish an independent fund account to achieve physical isolation, calculate the value of deduction vouchers according to the deflation algorithm and realize automatic value-added, and destroy the corresponding weights simultaneously when deduction vouchers are cancelled; Step S5: Adopt multi-entity distributed collection, with funds split and settled in real time by licensed internet banks, and the platform does not participate in collection and payment; Step S6: Calculate the effective weight according to the periodic decay formula, use the real consumption net profit as the sole source of distribution, automatically complete the dividend distribution according to the weight, and the financial and tax system automatically verifies and withholds taxes. Step S7: The code enforces a single-level promotion relationship, automatically solidifies user affiliation and calculates cross-merchant revenue through payment behavior, and monitors and handles anomalies in real time.

2. The dual-loop management method for rights based on real consumption as described in claim 1, characterized in that: The weighted dynamic decay coefficient is 0.7, and the revenue attributable to the merchant is 10%; the algorithm includes: Unit value of deduction voucher = Total amount of funds in special account ÷ Total amount of deduction vouchers not yet cleared; The effective weight for the current month = the remaining weight from the previous month × 0.7 + the weight added this month; Account dividend = Net profit of current dividend pool × Account effective weight ÷ Total effective weight of the entire network; Revenue attributable to merchants = Total discounts offered by the merchants who made the purchase × 10%.

3. The dual-loop management method for rights based on real consumption as described in claim 1, characterized in that: Only genuine and valid consumption generates rights; fraudulent transactions and abnormal orders resulting in refunds do not generate any rights. Deduction vouchers and dividend weights are independent of each other, have no financial attributes, are non-transferable, non-monetizable, and non-circulating, and their weights decay periodically.

4. The dual-loop management method for rights based on real consumption as described in claim 1, characterized in that: Funds are distributed in real time by licensed internet banks, with multiple entities receiving payments independently, and the platform has no authority to manage or allocate funds.

5. The dual-loop management method for rights based on real consumption as described in claim 1, characterized in that: Once a user completes a payment, their lifetime spending ownership is automatically established. When making purchases across different merchants, the ownership benefits are automatically calculated. This logic is fixed in the code and cannot be tampered with.

6. The dual-loop management method for rights based on real consumption as described in claim 1, characterized in that: In step S1, no manual modification of the port is set.

7. A dual-closed-loop management system for rights based on real consumption, characterized in that: It includes a rigid rule-fixing module, an automated merchant access module, a genuine consumption verification module, a dual-rights generation and dynamic decay module, a deduction voucher mathematical value-added module, a weighted dividend automatic calculation module, a distributed fund real-time clearing module, a three-in-one financial and tax automation module, and a compliance risk control and attribution fixing module. The genuine consumption verification module uses an AI multi-dimensional cross-validation model combined with an abnormal transaction clustering algorithm to complete the full-dimensional verification of the transaction subject, time, funds, performance, and invoices, and automatically identify and intercept abnormal transactions.

8. The dual closed-loop management system for rights based on real consumption as described in claim 7, characterized in that: The system is deployed on a distributed multi-node cloud server architecture, supporting nationwide grid-based one-click deployment and horizontal expansion.