Cross-regional transaction incentive fund collection, allocation and multi-level settlement system and method based on digital renminbi smart contract

Abstract

This invention discloses a cross-regional transaction incentive fund collection, allocation, and multi-level settlement system and method based on digital RMB smart contracts, belonging to the field of digital currency financial settlement technology. The system includes a data collection module, a fund accounting module, a hub-wide smart contract module, a region identification module, a fund allocation module, a local sub-contract issuance module, a blockchain traceability module, and an anti-circumvention locking module. It achieves synchronous collection of multi-source heterogeneous transaction data by connecting with multiple payment institutions and completes market-based fund withdrawal based on a multi-level dynamic profit-sharing calculation algorithm. This invention constructs a four-level isolated fund link: payment institution-hub city-local government-consumer. It utilizes the hub-wide smart contract to achieve fully automatic cross-regional allocation, with each local sub-contract independently configured with differentiated issuance rules. Simultaneously, it sets up a dual-mode operating architecture, solidifying the digital RMB contract priority operation mechanism to avoid the risk of commercial circumvention and tampering.

Description

Technical Field

[0001] This invention relates to the field of digital currency financial settlement technology, specifically to a cross-regional transaction incentive fund collection, allocation, and multi-level settlement system and method based on digital RMB smart contracts. Background Technology

[0002] As the pilot scope of the legal digital yuan continues to expand, local governments are generally relying on the digital yuan to carry out economic regulation work such as consumption stimulus and subsidies for the benefit of the people. The digital yuan has natural advantages such as traceability, programmability, payment chain security, and dedicated use of funds, and has now become an important digital tool for local governments to boost domestic demand and revitalize physical consumption.

[0003] Current mainstream consumption incentive models mostly adopt the form of direct government fiscal appropriations, with local governments allocating special funds for the distribution of incentive assets such as consumption vouchers and cash bonuses. However, long-term implementation of this model can easily put pressure on local finances, and the cost of fund disbursement is high, with low transparency in fund flow. Furthermore, the existing transaction incentive settlement system has significant technical flaws: First, transaction data across multiple platforms is heterogeneous and chaotic, and the data formats of third-party payment institutions are inconsistent, making asynchronous deviations in the transaction collection process prone to occur, resulting in large errors in fund accrual under high-concurrency transaction scenarios; Second, the logic for determining cross-regional transactions is simplistic, relying solely on a single IP address or merchant address to determine location, which is highly susceptible to errors. The existing digital RMB suffers from several drawbacks. First, it suffers from location drift and misjudgment of jurisdiction, making it unsuitable for complex transaction scenarios such as cross-city business travel and cross-regional consumption. Second, the fund collection and distribution system is incomplete, lacking a standardized multi-level fund settlement chain. Duplicate transaction messages can easily lead to duplicate accruals, and there are no automatic fault tolerance mechanisms when the transfer chain is congested or the interface is abnormal, resulting in insufficient security for large-scale fund transfers. Third, the incentive rules issued by different regions are highly homogenized, failing to adaptively adjust the incentive intensity based on local consumption volume, resulting in poor regional economic adaptability. Finally, the existing incentive system lacks mandatory anti-circumvention constraints, allowing commercial platforms to easily switch back to traditional coupon models, thus limiting the effectiveness of the digital RMB's promotion and implementation. In summary, the existing technology suffers from high fiscal dependence, low accuracy in jurisdiction determination, large fund accounting errors, weak chain fault tolerance, and susceptibility to tampering and circumvention. The industry lacks a market-based accrual, intelligent judgment, tiered distribution, anomaly self-healing, and anti-circumvention digital RMB cross-regional transaction incentive settlement solution. Therefore, this invention is proposed. Summary of the Invention

[0004] The purpose of this invention is to provide a system and method for the collection, distribution and multi-level settlement of cross-regional transaction incentive funds based on digital RMB smart contracts, so as to solve the problems mentioned in the background art.

[0005] The cross-regional transaction incentive fund collection, distribution and multi-level settlement system based on digital RMB smart contracts includes a data collection module with mutually encrypted communication and hierarchical linkage, a fund accounting module, a hub-and-spoke smart contract module, a region identification module, a fund distribution module, a local sub-contract issuance module, a blockchain traceability module and an anti-detour locking module.

[0006] The data collection module is used to collect heterogeneous transaction data across platforms and complete data cleaning and calibration; the fund accounting module combines the merchant's custom cashback rules to complete dynamic fund withdrawal and generate compliant net collection amount.

[0007] The hub-wide smart contract module is permanently deployed on the hub city side, enabling cross-regional fund allocation without human intervention; the region identification module uses multi-source heterogeneous data fusion to accurately determine the administrative region to which the transaction belongs; the fund allocation module completes the transfer of government-to-government digital RMB accounts based on the link evaluation results; the local sub-contract issuance module independently configures localized terminal incentive issuance logic; the blockchain traceability module binds each fund transfer node to achieve tamper-proof evidence storage throughout the entire link; and the anti-detour locking module sets mandatory priority constraints on the system operation mode to avoid the risk of commercial tampering and detours.

[0008] Furthermore, the data collection module simultaneously connects to at least two payment institutions with different operating entities, including third-party payment platforms, UnionPay QuickPass, and commercial bank payment systems. The data collection module is equipped with two or more heterogeneous data acquisition links in parallel, including API direct connection, offline file batch import, real-time transaction stream reception, and user payment voucher upload. It performs unified conversion on the differentiated data formats of different payment institutions and completes the multi-source data timestamp alignment correction to eliminate asynchronous data deviations between different institutional systems and avoid multi-source data disorder and duplicate collection problems.

[0009] Furthermore, the fund accounting module incorporates a multi-level dynamic profit-sharing mathematical model, with the following formula for calculating net amount: ;in To collect the net amount, For the transaction amount, The cashback rate for merchants ranges from 6% to 15%. This is the fee coefficient for payment institutions. This is the operator's handling fee coefficient. This is the commission rate for the team leader. The transaction smoothing correction coefficient is used to correct the deviation in fund provision under high-concurrency transactions; each fee coefficient is an independent floating parameter, and the net amount collected after deducting fees is deposited into a dedicated isolated digital RMB collection account in the hub city. The net amount collected accounts for 3%-9% of the user's actual payment amount, and the system does not require any government fiscal allocation funds at any level throughout the process.

[0010] Furthermore, the region identification module selects at least two types of transaction-related information for fusion to determine the location. This related information includes the payment IP's geographic location, the payment account's registered location, the merchant's physical location, the digital RMB wallet's registered location, historical transaction residence data, and user-declared region information. A built-in multi-source information fusion confidence algorithm is used, with the following formula: ;in The overall confidence score for the transaction region. Let i be the weight of the i-th type of information source. To score the credibility of a single type of information source, This is a regional deviation correction factor used to compensate for judgment errors caused by network positioning drift; when there is a conflict in the judgment of multi-source data, the valid judgment basis is selected according to the preset priority, with the digital RMB wallet registration location or historical residence inference data as the primary judgment standard; when the comprehensive confidence score is lower than the preset threshold, the system will temporarily suspend automatic allocation and transfer it to manual review, or default the merchant's location as the temporary location.

[0011] Furthermore, the hub-wide smart contract module is deployed in one go by the city government of a digital RMB pilot hub city with regional consumption center qualifications. Once deployed, the contract's execution logic is fixed and remains valid indefinitely. The contract incorporates a transaction hash discrete screening algorithm to eliminate duplicate uploaded transactions from the same source. The screening formula is as follows: ,in For discrete discrimination values ​​in transactions, The current transaction hash value. The system uses a preset benchmark modulus to quickly identify duplicate transactions based on the screening value, retaining only the unique valid transaction for fund processing. Contracts will transfer the net amount in full to the designated direction according to the transaction's origin. The allocation cycle supports T+0 real-time transfer or T+1 next-day batch transfer. Each allocation operation generates a unique transaction hash and writes it synchronously to the consortium blockchain or public blockchain.

[0012] Furthermore, the fund allocation module is bound to the dedicated digital RMB wallet addresses pre-registered by local governments, and the module has a built-in link anomaly self-healing retry mechanism and a link connectivity evaluation algorithm. ,in For channel accessibility, The number of successful transfers within a specified period. The system specifies the number of failed transfers within a given period. It dynamically allocates transmission channels based on channel availability. After a transfer failure, it automatically triggers up to three retries at intervals. If a retries fail, the system is placed in the exception handling queue and an exception work order is generated. The system solidifies a four-level fund settlement link: payment institution - hub city - local government - consumer. Fund accounts at each level are physically isolated and dedicated to specific purposes.

[0013] Furthermore, the local sub-contract issuance module allows each local government to independently configure contract instances that do not interfere with each other, and each local government can independently configure differentiated issuance rules; a built-in consumption incentive adaptation algorithm is also included. ,in To incentivize the fit coefficient, For regional regulation constants, The cumulative consumption quota for the region is used to adaptively adjust the intensity of incentive distribution based on the local consumption volume; the distribution rules include any one or more combinations of industry-targeted, population-targeted, time-based, weather-based, and amount-based distribution rules; the incentive distribution form adopts a combination of digital RMB red envelopes, consumption vouchers, and cash rebates, and hub cities have no authority to modify or interfere with the local government's contract distribution and execution logic.

[0014] Furthermore, the blockchain traceability module permanently stores and tamper-proof the three core operations of fund collection, cross-domain allocation, and terminal distribution on the blockchain; the traceability dimensions cover single transaction tracing, regional fund statistics, payment institution fund aggregation, and batch verification over time periods; the blockchain traceability module automatically generates report files that comply with financial audit standards, and the reports include fund details, account balances, and abnormal transaction lists; the system divides query permissions according to regulatory levels, allowing hub cities, local governments, and regulatory agencies to access and verify data at different levels, achieving hierarchical control and full traceability.

[0015] Furthermore, the anti-bypass locking module adopts a dual-mode parallel architecture. The digital RMB smart contract mode is the system's permanent priority operating mode, while the traditional platform coupon mode is only used as a backup mode for system failures. The system only allows temporary downgrades in three compliant scenarios: global failure of the legal digital currency, official maintenance window period, and regulatory written permission. Commercially driven active mode switching is prohibited. The system automatically switches back to the priority mode within 30 minutes after the fault is cleared. In case of data conflict between the two modes, the on-chain digital RMB record is the sole verification standard. The system also has an independent hub management terminal and a local government management terminal. The hub management terminal is used for national fund data monitoring, anomaly alarms, and access control, while the local government management terminal is used for local fund statistics, rule configuration, and consumption effect analysis.

[0016] The method for collecting, distributing, and settling cross-regional transaction incentive funds based on digital RMB smart contracts, applied to the aforementioned cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts, includes the following steps:

[0017] S1, simultaneously collects heterogeneous transaction data from multiple payment institutions, and completes data format unification and timestamp calibration;

[0018] S2, calculate the net amount collected according to the multi-level dynamic profit-sharing mathematical model, and deposit the collected funds into the isolated digital RMB account of the hub city.

[0019] S3, relying on solidified smart contracts and combining multi-source information fusion confidence algorithms, determines the administrative region to which a transaction belongs;

[0020] S4. Based on the assessment results of the link smoothness rate, the net amount collected will be transferred in full to the corresponding local government's real-name digital RMB wallet;

[0021] S5, local governments distribute digital RMB incentive assets through independent sub-contracts combined with incentive adaptation algorithms;

[0022] S6 stores and automatically generates audit reports by uploading data on the blockchain for evidence of the entire fund transfer process.

[0023] S7 locks in the priority operation mode of digital RMB, strictly limits the triggering conditions for system downgrade, and avoids third-party technical bypasses.

[0024] By adopting the above technical solution, the traditional fiscal subsidy model is abandoned, achieving market-based self-sufficiency in funds. This invention relies on merchants' independent transaction accrual method to complete fund collection, eliminating the need for fiscal fund allocation from higher-level or local governments, thus fundamentally reducing the pressure on local fiscal subsidies. Simultaneously, funds are uniformly collected in a segregated digital RMB account in a hub city, ensuring dedicated use and physical isolation, avoiding issues of fund misappropriation and chaotic allocation, improving the transparency and security of incentive fund flow, and adapting to long-term, regular consumer incentive programs.

[0025] Compared with existing technologies, the beneficial effects of this invention are: the cross-regional transaction incentive fund collection, allocation, and multi-level settlement system and method based on digital RMB smart contracts,

[0026] This invention employs a multi-source heterogeneous data fusion processing architecture to effectively reduce fund calculation errors and data deviations. It simultaneously connects to multiple mainstream payment institutions, completing unified conversion and timestamp calibration of multi-format transaction data, eliminating asynchronous data deviations between different institutions. Coupled with a multi-level dynamic profit-sharing calculation algorithm and an added transaction smoothing correction coefficient, it can automatically correct fund accrual errors in high-concurrency transaction scenarios during holidays, solving the technical defects of inaccurate batch transaction calculations and data clutter in traditional settlement systems, and significantly improving the accuracy of fund accrual.

[0027] This invention constructs a multi-source information fusion-based location determination system, significantly improving the accuracy of cross-regional transaction identification. Addressing the industry pain points of low accuracy due to drifting from single location data sources, this invention integrates multi-dimensional data such as wallet registration location, historical transaction location, and IP location. It combines a weighted confidence algorithm with a regional deviation correction factor to complete a comprehensive determination, effectively compensating for location offset issues caused by network fluctuations. Simultaneously, a confidence threshold-based hierarchical review mechanism is established, balancing intelligent determination with human error tolerance, accurately adapting to complex transaction scenarios such as cross-regional business travel and cross-city consumption, and significantly reducing the probability of location misjudgment.

[0028] This invention establishes a standardized four-level fund settlement link with excellent transaction deduplication and link self-healing capabilities. It relies on a transaction hash discrete identification algorithm to clean up duplicate transaction messages, eliminating the problem of duplicate provisioning for transactions originating from the same source. Simultaneously, it adds a link smoothness evaluation algorithm to monitor the operational status of the fund transmission channel in real time. For abnormal conditions such as link congestion and interface maintenance, it sets up a gradient interval retry mechanism and supports automatic switching to backup channels, solving the shortcomings of traditional transfer links such as lag and lack of remediation for anomalies, ensuring the stable and secure transfer of large amounts and batches of funds.

[0029] This invention enables differentiated configuration of local incentive rules, enhancing the adaptability and regulation of regional economies. It employs a two-tiered contract architecture consisting of a central hub contract and local sub-contracts. Each administrative region independently configures its incentive distribution rules, free from the control restrictions of the hub city. Combined with a consumption incentive adaptation algorithm, the intensity of incentive distribution is dynamically and adaptively adjusted based on local consumption volume. Differentiated regulation strategies are implemented for underdeveloped, conventional, and developed regions, avoiding the problems of severe homogenization and poor adaptability in traditional incentive models, and precisely stimulating local real consumption. Attached Figure Description

[0030] Figure 1 This is a block diagram of the overall hierarchical structure of the system of the present invention;

[0031] Figure 2 This is a block diagram of the hierarchical logical architecture of the system of the present invention;

[0032] Figure 3 This is a flowchart illustrating the fund transfer process of the present invention.

[0033] Figure 4 This is a flowchart of the multi-source information fusion determination algorithm of the present invention;

[0034] Figure 5 This is a block diagram of the dual-mode anti-bypass locking architecture of the present invention;

[0035] Figure 6 This is a flowchart illustrating the self-healing fault tolerance process for link anomalies in this invention. Detailed Implementation

[0036] 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.

[0037] Please see Figure 1-6 This invention provides a technical solution: a cross-regional transaction incentive fund collection, distribution, and multi-level settlement system and method based on digital RMB smart contracts. Deployed in a central hub pilot city with national-level regional consumption center qualifications, a dedicated digital RMB cross-regional transaction incentive settlement platform is built. The platform's physical deployment includes encrypted business servers, consortium blockchain consensus nodes, isolated fund management databases, and asynchronous data cleaning servers. At the communication level, HTTPS encrypted transmission and a dedicated internal network isolation channel are used to achieve isolated data interaction among multiple institutions. The platform's business access end is compatible with mini-programs, offline POS terminals, and merchant back-end management systems. At the business level, it formally connects to the three major third-party payment institutions: WeChat Pay, Alipay, and UnionPay, achieving unified collection of heterogeneous transaction data from multiple channels.

[0038] The system architecture is strictly built according to the eight functional modules described in claim 1. Each module communicates encrypted and operates hierarchically via an event-driven mechanism, strictly distinguishing between the data layer, accounting layer, contract layer, distribution layer, and evidence storage layer to prevent chaotic business logic. All incentive funds in this system are levied by the merchants themselves according to their transaction ratios. The entire process requires no subsidies from local or higher-level government finances. Based on a market-based levy model, a fully automated closed-loop business process is formed, encompassing fund collection, cross-regional allocation, secondary distribution within the local area, and on-chain evidence storage. To address industry shortcomings of traditional consumer incentive models, such as ambiguous locality determination, large errors in fund calculation, interference from duplicate transactions, unstable transfer links, and poor adaptability to local incentives, this invention optimizes algorithms in core business processes for fund levy, locality determination, transaction deduplication, link evaluation, and incentive control. Specifically, this includes a multi-level dynamic profit-sharing calculation algorithm: Multi-source information fusion confidence algorithm: Transaction hash discrete identification algorithm: Link connectivity evaluation algorithm: Consumption incentive adaptation algorithm: ;

[0039] The system uniformly and permanently sets common basic operating parameters: payment institution transaction fee coefficient. =0.003, operator's handling fee coefficient =0.002, Team Leader Commission Coefficient =0.01; The weight for determining the location is fixed at the wallet's registered location. =0.5, Historical Territory =0.3, IP location =0.2; The maximum number of automatic retries for fund transfers is set to 3. The system defaults to locking the smart contract operation mode of digital RMB, and temporary downgrade is only allowed under special statutory circumstances.

[0040] Example 1: T+0 Real-time Settlement

[0041] This embodiment corresponds to the system's real-time settlement logic, suitable for everyday small-amount consumer transactions generated by offline physical merchants. It features stable transaction volume, a good network environment, and no need for batch processing delays. In actual operation, a compliant offline catering merchant completes a typical consumer transaction through the UnionPay channel. The actual transaction amount for the user... =268 yuan, the merchant voluntarily set the cashback calculation ratio. =8%. Due to the low transaction concurrency on the platform during this period, there was no data congestion or provisioning deviation, and the transaction smoothing correction coefficient was set to... =1.0; The user is in a fixed indoor network environment with no location signal drift, and the regional deviation correction factor value is [value missing]. =1.0;

[0042] This transaction uses a three-dimensional fusion approach to determine its geographic origin: wallet registration location, historical transaction location, and network IP location. The user's digital RMB wallet is registered in City A, and their long-term historical spending records also point to City A. The temporary IP location is determined to be in a nearby city. The credibility scores for these three types of location information are 0.95, 0.90, and 0.80, respectively. Substituting these scores into the confidence algorithm, the overall determination score is 0.905. The system's preset geographic origin determination threshold is 0.7. Since the current score is higher than the threshold, no manual intervention is required, and the transaction is directly determined to belong to the appropriate administrative region. The region is City A. Transaction data is input into a multi-level dynamic profit-sharing calculation formula, resulting in a net amount of 21.07 yuan for this transaction. This fund is immediately sealed and deposited into the hub city's isolated collection account. System backend calculations show that the number of successful transfers through the current fund transfer channel significantly exceeds the number of failures, with a channel throughput rate of 99.2%. The link transmission status is excellent, and the smart contract automatically triggers a T+0 real-time transfer instruction, transferring the full amount of collected funds to the local government's real-name digital RMB corporate wallet in City A within a short period. City A is a regular consumption area, and the regional control constant is set to [missing information]. =1.0, combined with the local daily cumulative consumption limit of 865,000 yuan, the incentive matching coefficient is 13.67. The local government independently configures the ordinary tiered incentive rules based on the local sub-contract and directly issues 1.88 yuan digital RMB cash back to the consumer. All transaction details, fund flow and contract execution records are synchronously written into the consortium blockchain to complete tamper-proof storage, and complete a complete set of real-time collection, judgment, transfer and distribution settlement process.

[0043] Example 2: T+1 Batch Settlement

[0044] This embodiment corresponds to the system's batch settlement logic, suitable for high-concurrency transaction scenarios such as holidays and large-scale promotional events in commercial districts. When the platform's daily transaction volume surges, a delayed batch transfer method is used to reduce interface pressure. During a holiday, a certain commercial complex generated a total of 1268 retail transaction data points in a single day, covering merchants from various industries including apparel, department stores, and cultural and creative products. A typical retail transaction is selected for data calculation; the transaction amount... =1460 yuan, merchants set their own cashback calculation ratio =12%. Due to the high volume of transaction requests during holidays, the synchronous collection of large amounts of data can easily lead to calculation errors. To balance the capital deviation, the transaction smoothing correction coefficient has been lowered to... =0.95; The business district is densely populated and has complex wireless network signals, resulting in significant location drift. The regional deviation correction factor is set to [value missing]. =0.92;

[0045] The user's wallet registration location and historical transaction location for this transaction are both in County B. Due to network interference in the business district, the IP location was incorrectly identified as belonging to a hub city business district. The credibility scores of the three types of location information were 0.92, 0.88, and 0.65, respectively. After calculation using the fusion algorithm, the comprehensive confidence score was 0.811, determining that the transaction belonged to County B. Substituting into the profit-sharing formula, this transaction generated a net collection amount of 162.35 yuan. During the data collection phase, the platform simultaneously received duplicate transaction messages from multiple channels. The system used a transaction hash discrete identification algorithm to clean the data, identifying and eliminating 28 duplicate and redundant transactions to avoid duplicate fund withdrawals. During holidays, the main fund channel experiences high access volume and throughput pressure. According to the link smoothness assessment algorithm, the main channel smoothness rate is only 82.6%, indicating a high risk of link congestion. The system automatically avoids peak periods, postponing all collected funds for the day to the early morning of the next day for batch transfer. County B is an economically underdeveloped county. To enhance local incentives, the regional control constant is set to [missing information]. =1.2, combined with the local daily consumption limit of 2.13 million yuan, the incentive matching coefficient is calculated to be 17.94. The local government sets industry-specific distribution rules based on independent sub-contracts, and issues digital RMB consumption vouchers with a face value of 5 yuan to retail industry consumers in a unified manner to accurately stimulate county-level physical consumption. The batch transfer process is encrypted and executed in an orderly manner throughout the process, and batch accounts are automatically generated audit reports for filing.

[0046] Example 3: Link Anomaly Self-Healing Settlement

[0047] This embodiment corresponds to the system's fault-tolerant settlement logic, suitable for large transactions under complex conditions such as intercity travel, network switching, and interface maintenance. It relies on a self-healing retry algorithm to ensure the safe transfer of funds. For example, a business traveler incurs a large service expense during an intercity trip. The transaction amount is... =5820 yuan, the merchant is a high-end service merchant, and the maximum cashback rate can be set independently. =15%. This transaction was a single, large-value transaction without any batch concurrency interference, and the transaction smoothing correction coefficient remained unchanged. =1.0; Frequent switching between mobile networks by the user results in significant location node fluctuations and substantial location errors. The regional deviation correction factor is set to [value missing]. =0.88;

[0048] The user's wallet registration location and long-term residence location are in City C. The cross-city transaction resulted in the network IP being identified as belonging to a different city. The credibility scores of the three types of location data were 0.96, 0.93, and 0.55, with a comprehensive confidence score of 0.827, determining that the transaction belonged to City C. The location determination result was valid. The algorithm calculated the net amount of this large transaction to be 851.92 yuan. During the fund allocation phase, due to temporary maintenance of the bank settlement interface, the initial fund transfer request timed out, and the link transmission failed. The system immediately activated the link anomaly self-healing retry mechanism, strictly adhering to the gradient intervals of 2s, 4s, and 8s for retry actions. The first two retries were still unable to connect due to main link congestion. The system automatically abandoned the main link and switched to a backup encrypted transmission channel. The backup channel's connectivity rate was measured at 95.7%, indicating good link quality. Ultimately, the large fund transfer was successfully completed. City C is an economically developed region; to reasonably control incentive costs, the regional control constant was lowered to [missing information]. =0.8, local governments distribute benefits through diversified incentives such as cash rebates and limited-time red envelopes to improve the user experience of high-spending users. This abnormal transfer event was automatically captured by the system and generated an independent operation and maintenance log, including failure time, link status, and switch records. All log data is synchronized and stored on the blockchain for evidence storage. While ensuring the security of large sums of money, the platform's fault tracing capabilities are improved, and stable fault-tolerant settlement of abnormal transactions is achieved.

Claims

1. A cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts, characterized in that: It includes a data collection module with mutually encrypted communication and hierarchical linkage, a fund accounting module, a hub-wide smart contract module, a region identification module, a fund allocation module, a local sub-contract issuance module, a blockchain traceability module, and an anti-detour locking module; The data collection module is used to collect heterogeneous transaction data across platforms and complete data cleaning and calibration; the fund accounting module combines the merchant's custom cashback rules to complete dynamic fund withdrawal and generate compliant net collection amount. The hub-wide smart contract module is permanently deployed on the hub city side, enabling cross-regional fund allocation without human intervention; the region identification module uses multi-source heterogeneous data fusion to accurately determine the administrative region to which the transaction belongs; the fund allocation module completes the transfer of government-to-government digital RMB accounts based on the link evaluation results; the local sub-contract issuance module independently configures localized terminal incentive issuance logic; and the blockchain traceability module binds each fund transfer node to achieve tamper-proof evidence storage throughout the entire link. The anti-bypass locking module sets a mandatory priority constraint on the system's operating mode to avoid the risk of commercial tampering and bypassing.

2. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The data collection module simultaneously connects to at least two payment institutions with different operating entities, including third-party payment platforms, UnionPay QuickPass, and commercial bank payment systems. The module also features two or more heterogeneous data acquisition links in parallel, including API direct connection, offline file batch import, real-time transaction stream reception, and user payment voucher upload. It performs unified conversion of the differentiated data formats of different payment institutions and completes multi-source data timestamp alignment correction, eliminating asynchronous data deviations between different institutional systems and avoiding issues of multi-source data corruption and duplicate collection. 3.The system according to claim 1, wherein, The fund accounting module incorporates a multi-level dynamic profit-sharing mathematical model, and the net amount calculation formula is as follows: ;in To collect the net amount, For the transaction amount, The cashback rate for merchants ranges from 6% to 15%. This is the fee coefficient for payment institutions. This is the operator's handling fee coefficient. This is the commission rate for the team leader. The transaction smoothing correction coefficient is used to correct the deviation in fund provision under high-concurrency transactions; each fee coefficient is an independent floating parameter, and the net amount collected after deducting fees is deposited into a dedicated isolated digital RMB collection account in the hub city. The net amount collected accounts for 3%-9% of the user's actual payment amount, and the system does not require any government fiscal allocation funds at any level throughout the process.

4. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The region identification module selects at least two types of transaction-related information for fusion to determine the region of origin. This related information includes the payment IP's geographic location, the payment account's registered location, the merchant's physical location, the digital RMB wallet's registered location, historical transaction residence data, and user-declared region information. A built-in multi-source information fusion confidence algorithm is used, with the following formula: ;in The overall confidence score for the transaction region. Let i be the weight of the i-th type of information source. To score the credibility of a single type of information source, This is a regional deviation correction factor used to compensate for judgment errors caused by network positioning drift; when there is a conflict in the judgment of multi-source data, the valid judgment basis is selected according to the preset priority, with the digital RMB wallet registration location or historical residence inference data as the primary judgment standard; when the comprehensive confidence score is lower than the preset threshold, the system will temporarily suspend automatic allocation and transfer it to manual review, or default the merchant's location as the temporary location.

5. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The hub-wide smart contract module is deployed in one go by the governments of pilot digital RMB hub cities with regional consumption center qualifications. Once deployed, the contract's execution logic is fixed and remains valid indefinitely. The contract incorporates a transaction hash discrete screening algorithm to eliminate duplicate uploaded transactions from the same source. The screening formula is as follows: ,in For discrete discrimination values ​​in transactions, The current transaction hash value. The system uses a preset benchmark modulus to quickly identify duplicate transactions based on the screening value, retaining only the unique valid transaction for fund processing. Contracts will transfer the net amount in full to the designated direction according to the transaction's origin. The allocation cycle supports T+0 real-time transfer or T+1 next-day batch transfer. Each allocation operation generates a unique transaction hash and writes it synchronously to the consortium blockchain or public blockchain.

6. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The fund allocation module is bound to the dedicated digital RMB wallet addresses pre-registered by local governments. The module has a built-in self-healing retry mechanism for link anomalies and is equipped with a link connectivity evaluation algorithm. ,in For channel accessibility, The number of successful transfers within a specified period. The system specifies the number of failed transfers within a given period. It dynamically allocates transmission channels based on channel availability. After a transfer failure, it automatically triggers up to three retries at intervals. If a retries fail, the system is placed in the exception handling queue and an exception work order is generated. The system solidifies a four-level fund settlement link: payment institution - hub city - local government - consumer. Fund accounts at each level are physically isolated and dedicated to specific purposes.

7. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The local sub-contract issuance module allows each local government to independently configure contract instances that do not interfere with each other, and each local government can independently configure differentiated issuance rules; it also includes a built-in consumption incentive adaptation algorithm. ,in To incentivize the fit coefficient, For regional regulation constants, This is the cumulative consumption limit for the region, used to adaptively adjust the intensity of incentive distribution based on the local consumption volume. The distribution rules include any one or more combinations of industry-targeted, population-targeted, time-based, weather-based, and monetary tiers; the incentive distribution form adopts a combination of digital RMB red envelopes, consumption vouchers, and cash rebates, and hub cities have no authority to modify or interfere with the execution logic of local government contract distribution. 8.The cross-regional transaction incentive fund collection, distribution and multi-level settlement system based on the digital RMB smart contract of claim 1, wherein, The blockchain traceability module permanently stores and tamper-proof the three core operations of fund collection, cross-domain allocation, and terminal distribution on the blockchain. The traceability dimensions cover single transaction tracing, regional fund statistics, payment institution fund aggregation, and batch verification over time periods. The blockchain traceability module automatically generates report files that comply with fiscal audit standards, including fund details, account balances, and abnormal transaction lists. The system divides query permissions according to regulatory levels, allowing hub cities, local governments, and regulatory agencies to access and verify data at different levels, achieving hierarchical control and full traceability.

9. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts according to claim 1, characterized in that, The anti-bypass locking module adopts a dual-mode parallel architecture. The digital RMB smart contract mode is the system's permanent priority operating mode, while the traditional platform coupon mode is only used as a backup mode for system failures. The system only allows temporary downgrades in three compliant scenarios: global failure of the legal digital currency, official maintenance window, and regulatory written permission. Commercially driven active mode switching is prohibited. The system will automatically switch back to the priority mode within 30 minutes after the fault is cleared. In case of data conflict between the two modes, the on-chain digital RMB record will be the sole verification standard. The system also includes an independent hub management terminal and a local government management terminal. The hub management terminal is used for national fund data monitoring, anomaly alarms, and access control, while the local government management terminal is used for local fund statistics, rule configuration, and consumption effect analysis.

10. The method of claim 1, wherein the method is based on a digital renminbi smart contract, and the method further comprises: receiving a transaction record of a cross-regional transaction; and determining a transaction amount of the cross-regional transaction based on the transaction record. The cross-regional transaction incentive fund collection, distribution, and multi-level settlement system based on digital RMB smart contracts, as described in any one of claims 1-9, includes the following steps: S1, simultaneously collects heterogeneous transaction data from multiple payment institutions, and completes data format unification and timestamp calibration; S2, calculate the net amount collected according to the multi-level dynamic profit-sharing mathematical model, and deposit the collected funds into the isolated digital RMB account of the hub city. S3, relying on solidified smart contracts and combining multi-source information fusion confidence algorithms, determines the administrative region to which a transaction belongs; S4. Based on the assessment results of the link smoothness rate, the net amount collected will be transferred in full to the corresponding local government's real-name digital RMB wallet. S5, local governments distribute digital RMB incentive assets through independent sub-contracts combined with incentive adaptation algorithms; S6 stores and automatically generates audit reports by uploading data on the blockchain for evidence of the entire fund transfer process. S7 locks in the priority operation mode of digital RMB, strictly limits the triggering conditions for system downgrade, and avoids third-party technical bypasses.

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