A relationship chain-based integral automatic flow and resource scheduling system and method thereof

Abstract

This invention discloses a relationship-based automatic points transfer and resource scheduling system and method, belonging to the field of e-commerce technology. The system includes a points acquisition module, a relationship management module, and an automatic transfer engine. By establishing points transfer relationships between beneficiaries and contributors, the automatic transfer engine monitors points crediting events and automatically distributes points to the beneficiary user's personal account and / or group points pool according to set individual and group transfer ratios. The system also includes a redemption request module, a task management module, a multi-party revenue sharing module, and intelligent modules such as AI recommendation, AI risk control, and AI prediction. This invention achieves a composite automatic transfer of personal and public points pools based on relationship chains, solving the problem of automatic allocation of public expenses and personal consumption in collective support scenarios. It possesses intelligent recommendation and risk control capabilities and can be widely applied in family mutual assistance, group-based elderly care, and social assistance.

Description

Technical Field

[0001] This invention relates to the fields of computer information processing and e-commerce technology, specifically to a system and method for automatic points transfer and resource scheduling based on relationship chains. Background Technology

[0002] As my country's population ages and elderly care models become more diversified, how to enable elderly people with limited purchasing power and disadvantaged groups to conveniently access goods and services has become a social problem that platform technology needs to address. Under new collective care models such as "group living for the elderly" and "cohabitation for the elderly," care resources often come from multiple contributing families, requiring the simultaneous fulfillment of both public expenditures and individual consumption needs.

[0003] In the prior art, Chinese patent CN118195732A discloses a user-assisted product purchase method. While this method discloses a mechanism where users earn points through consumption and can donate these points to designated recipients seeking assistance in purchasing goods, its point transfer has the following clear technical defects: First, point transfers rely on users actively initiating donation requests each time (see the step "Donating points from the user's personal account according to the user's request" in its specification). This is a typical passive "request-response" architecture, unable to achieve immediate and automatic assistance after points are generated. Second, this method only supports one-to-one fixed donation relationships and cannot achieve automatic aggregation of points from multiple contributors to the same beneficiary. Third, this method completely fails to support a composite transfer mode where points are simultaneously distributed to personal accounts and a public points pool according to a preset ratio. Therefore, this method cannot solve the problem of the composite allocation of public expenses and personal consumption in collective care scenarios such as cohabitation for the elderly.

[0004] Chinese patent CN121481280A discloses a multi-channel fund integration method, which uses an event-driven architecture to establish multiple independent points pools, such as a commercial points pool and a social governance points pool. When users perform actions such as payment or answering questions, the system automatically allocates points to the points pools and user accounts according to a preset ratio. While this solution can achieve automatic event-driven points allocation, it addresses the multi-channel integration of government funds and commercial revenue, completely neglecting the establishment and management of points transfer relationships between users. It lacks a mechanism for targeted points transfer based on binding relationships, crowdfunding relationships, merchant affiliations, or assistance relationships. Therefore, this solution cannot meet the needs of family mutual assistance and collective support scenarios where points are distributed between individual accounts and public points pools according to preset interpersonal relationships.

[0005] Furthermore, existing points systems generally lack the ability to use artificial intelligence to analyze and recommend users based on their relationship and behavioral data, making it difficult for users to discover potential partners with whom they can establish support relationships. They also lack mechanisms to detect anomalies in points transfer behavior, making them vulnerable to exploitation by fraudulent binding, points laundering, and other arbitrage activities. When a service fee involves multiple payments, existing systems also lack transparent and automated revenue-sharing mechanisms.

[0006] Therefore, there is an urgent need for a system that can support the combined automatic transfer of personal and public points pools, possess intelligent recommendation and risk control capabilities, support multi-party revenue sharing, and perform resource scheduling on this basis. Summary of the Invention

[0007] The purpose of this invention is to provide a relationship-based automatic points transfer and resource scheduling system and method to solve problems in the prior art, such as points transfer relying on manual operation, single relationship type, inability to support composite automatic transfer of personal and public points pools, lack of interpersonal relationship-based targeted points transfer mechanism, lack of intelligent recommendation and risk control capabilities, and inability to achieve multi-party transparent revenue sharing.

[0008] To achieve the above objectives, in a first aspect, the present invention provides a relationship-based automatic points transfer and resource scheduling system, comprising:

[0009] The points acquisition module is used to generate points and credit them to the first user's points account in response to a specified action of the first user on the platform; the specified action includes at least one of consumption behavior, participation in platform activities, and completion of tasks issued by the platform.

[0010] The relationship management module is used to store points transfer relationships, which record beneficiary identifiers, contributor identifiers, and points transfer rules. The points transfer relationships include at least one of the following: user-established binding relationships, crowdfunding relationships initiated for redeeming target goods or services, merchant association relationships between merchants and beneficiaries, and support relationships set by the platform. The beneficiaries include individual beneficiary users and / or group points pools associated with a group containing at least two beneficiary users. The group points pool is a logical account associated with a group identifier and is independent of any single user account.

[0011] An automatic transfer engine, connected to the points acquisition module and the relationship management module, is used to monitor the crediting event of the first user's points account. When a crediting event is detected, the engine queries the points transfer relationship of the first user as a contributor and automatically transfers the corresponding points from the first user's points account to the beneficiary user's personal account and / or the group points pool according to the individual transfer ratio and group transfer ratio set in the points transfer rules.

[0012] It should be noted that those skilled in the art will understand that the automatic transfer engine's methods for triggering the points crediting event include, but are not limited to: real-time message queue monitoring, database change capture, and periodic polling of points account change records. Any technical means that automatically triggers the transfer without manual user intervention after points are generated falls under the equivalent implementation of the "monitoring crediting event" described in this invention and should be included within the protection scope of this invention.

[0013] Furthermore, when the automatic transfer engine executes the transfer, it uses a database transaction mechanism to simultaneously complete the deduction operation of the first user's points account and the addition operation of the beneficiary's points account, and generates a corresponding points transfer log to ensure the consistency of the total points.

[0014] Furthermore, the points in the group points pool are used to pay for at least one of the following: group public expenses, unified procurement of materials, and payment of collective service fees.

[0015] Furthermore, in addition to the aforementioned points acquisition module, relationship management module, and automatic transfer engine, the relationship-based automatic points transfer and resource scheduling system also includes:

[0016] The redemption request module is used for beneficiary users to post requests for help, including requests for purchasing goods, redeeming services, or requesting discounts at offline partner physical merchants, and setting the total amount of points required;

[0017] The redemption and settlement module is used to complete the redemption of the goods, services, or merchant consumption when the points obtained from seeking help reach the total amount;

[0018] The task management module is used to manage the lifecycle of service tasks. The source of the points incentive for the service tasks can be selected from the initiator's personal account or the group points pool.

[0019] Furthermore, the system also includes a multi-party revenue sharing and settlement module, which generates a multi-party revenue sharing instruction for a service or goods order to be paid, according to a preset multi-party revenue sharing rule, and simultaneously completes the deduction of at least two payer accounts and the crediting operation of the service provider account through atomic transactions; the payer in the multi-party revenue sharing rule includes at least two of the following: contributor points, group points pool, government subsidy points, and beneficiary self-payment.

[0020] Furthermore, the system also includes an AI recommendation module, which analyzes social relationships and behavioral data among users to recommend potential beneficiaries or contributors to whom points can be transferred, and / or recommend service tasks that users can claim. It employs a collaborative filtering algorithm based on graph neural networks, and the input features include "interaction frequency between users, common groups, geographical location, etc."

[0021] Furthermore, the system also includes an AI risk control module, used to detect anomalies in the establishment of points transfer relationships and points transfer behavior. The anomaly detection includes identifying at least one of false binding relationships and abnormally high-frequency transfers. It adopts a real-time risk control system based on rule engines, and the detection features include "high-frequency transfer behavior of binding a large number of unfamiliar users in a short period of time, and points laundering and arbitrage behavior that is significantly inconsistent with the amount of points transferred and the amount of consumption".

[0022] Furthermore, the system also includes an AI prediction and proactive service triggering module, which is used to collect beneficiary behavior data and use a prediction model to analyze their potential service or commodity needs; when the credibility of the potential needs exceeds a threshold, a recommended service task or commodity redemption list is automatically generated, and the order and payment are automatically completed according to preset authorization rules.

[0023] Furthermore, the system also includes a contribution proof module, which is used to generate an immutable evidence certificate from the service task records and evaluation information completed by the user, and calculate the contribution level accordingly to generate a corresponding digital rights certificate.

[0024] Furthermore, the system also includes a cross-group mutual assistance module, which is used to receive a mutual assistance request initiated by a group that requires external assistance, and specify the rules for paying points from the group's points pool; broadcast the mutual assistance request to other groups on the platform, and trigger points settlement after receiving a response.

[0025] Secondly, the present invention provides a method for automatic transfer of points and resource scheduling based on relationship chains, including:

[0026] Establish a points transfer relationship between beneficiaries and contributors, and set points transfer rules. The beneficiaries include individual beneficiary users and / or group points pools. The points transfer rules include individual transfer ratios and group transfer ratios.

[0027] In response to the contributor's specified actions on the platform, points are generated and credited to the contributor's points account;

[0028] Listen for incoming events to the points account. When an incoming event is detected, automatically allocate and transfer the points to the beneficiary user's personal account and / or the group points pool according to the points flow relationship and transfer rules.

[0029] When a beneficiary user posts a request for help, and the total points collected from the request reach the required amount, the purchase of goods or the redemption of services can be completed.

[0030] Beneficiary users or the platform use points already collected in their personal accounts or the group points pool as incentives to initiate service tasks; after other users claim and complete the tasks, the system transfers the points corresponding to the tasks to the accounts of the users who completed the tasks.

[0031] This system is deployed on one or more servers, each including a processor and memory. The relationship management module uses a graph database to store the points transfer relationship graph; the automatic transfer engine is an event-driven microservice implemented using a message queue, used to listen for points change messages; the multi-party revenue sharing module ensures the consistency of account operations based on a database transaction mechanism.

[0032] The beneficial effects of this invention are as follows:

[0033] 1. Adapting to collective care scenarios: By using group points pools and composite diversion ratios, it solves the problem of allocating public expenses and personal consumption in collective care scenarios such as cohabitation for the elderly.

[0034] 2. Instant automatic assistance: Users only need to establish a relationship once, and subsequent points will be automatically transferred proportionally without any manual operation.

[0035] 3. Unified coverage across multiple scenarios: Multiple modes such as mutual assistance, points crowdfunding, merchant discount collection, platform public welfare assistance, and group collective support are implemented under a unified technical framework.

[0036] 4. Intelligent recommendations lower the barrier to entry: AI automatically identifies potential assistance relationships and recommends suitable redemption goods and service tasks, thereby increasing user engagement.

[0037] 5. Intelligent risk control ensures security: AI detects abnormal points transfer behavior in real time to prevent fraudulent binding and points laundering, and maintains the healthy ecosystem of the platform.

[0038] 6. Transparent and efficient multi-party revenue sharing: An automated and transparent multi-party revenue sharing engine provides the technical foundation for government subsidies, insurance payments, and other related transactions.

[0039] 7. Closed-loop circulation of points: Points can not only be used to purchase goods, but also to initiate service tasks to incentivize volunteers, realizing the circulation of points within the system. Attached Figure Description

[0040] To more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the accompanying drawings used in the description of the specific embodiments or the prior art will be briefly introduced below.

[0041] Figure 1 This is a diagram showing the overall architecture of the automatic points transfer system of this invention.

[0042] Figure 2 This is a system architecture diagram of the present invention, which includes an AI module.

[0043] Figure 3 This is a flowchart of the automatic flow engine of the present invention.

[0044] Figure 4 This is a schematic diagram of group integral composite transfer and multi-party revenue sharing in one embodiment of the present invention.

[0045] Figure 5 This is a sequence diagram of the interaction between automatic donation and purchase assistance for families in one embodiment of the present invention.

[0046] Figure 6 This is an interaction sequence diagram of initiating a service task using a group points pool in one embodiment of the present invention. Detailed Implementation

[0047] 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, not all, of the embodiments of the present invention. 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.

[0048] It should be understood that, when used in this specification and the appended claims, the terms "comprising" and "including" indicate the presence of the described features, integrals, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integrals, steps, operations, elements, components and / or collections thereof.

[0049] Please refer to Figure 1 and Figure 2 This invention provides a relationship-based automatic points transfer and resource scheduling system, including a points acquisition module, a relationship management module, an automatic transfer engine, an exchange request module, an exchange settlement module, a task management module, a multi-party revenue sharing and settlement module, an AI recommendation module, an AI risk control module, an AI prediction and proactive service triggering module, a contribution proof module, and a cross-group mutual assistance module. The points acquisition module, relationship management module, and automatic transfer engine primarily implement automatic points transfer based on relationship chains.

[0050] In specific implementation, the points acquisition module is used to generate points and credit them to the first user's points account in response to the first user's specified behavior on the platform; the specified behavior includes at least one of consumption behavior, participation in platform activities, and completion of tasks issued by the platform.

[0051] The relationship management module is used to store points transfer relationships, which record beneficiary identifiers, contributor identifiers, and points transfer rules. The points transfer relationships include at least one of the following: binding relationships established between users, crowdfunding relationships initiated for redeeming target goods or services, merchant association relationships between merchants and beneficiaries, and assistance relationships set by the platform. The beneficiaries include individual beneficiary users and / or group points pools associated with a group containing at least two beneficiary users.

[0052] An automatic transfer engine, connected to the points acquisition module and the relationship management module, is used to monitor the points deposit event of the first user's points account. Upon detecting a deposit event, it queries the points transfer relationship of the first user as a contributor and, according to the individual transfer ratio and group transfer ratio set in the points transfer rules, automatically transfers the corresponding points from the first user's points account to the beneficiary user's personal account and / or the group points pool. The points in the group points pool are used to pay for at least one of the following: group public expenses, unified procurement of materials, and payment of collective service fees. It should be noted that those skilled in the art will understand that the automatic transfer engine's methods for monitoring points deposit events include, but are not limited to: real-time message queue monitoring, database change capture, and periodic polling of points account change records. Any technical means that automatically triggers the transfer without manual user operation after points are generated is an equivalent implementation of the "monitoring deposit events" described in this invention. When executing the transfer, the automatic transfer engine uses a database transaction mechanism to simultaneously complete the deduction operation of the first user's points account and the addition operation of the beneficiary's points account, and generates corresponding points transfer logs to ensure consistency of the total points.

[0053] Furthermore, the redemption request module is used for beneficiary users to post requests for help, including requests for purchasing goods, redeeming services, or requesting discounts at offline partner physical merchants, and the required total amount of points is set.

[0054] The redemption and settlement module is used to complete the redemption of the goods, services, or merchant consumption when the points obtained from seeking help reach the total amount;

[0055] The task management module is used to manage the lifecycle of service tasks. The source of the points incentive for the service tasks can be selected from the initiator's personal account or the group points pool.

[0056] The multi-party revenue sharing and settlement module is used to generate multi-party revenue sharing instructions for a service or goods order to be paid, according to preset multi-party revenue sharing rules, and to simultaneously complete the deduction of at least two payer accounts and the crediting of the service provider account through atomic transactions; the payer in the multi-party revenue sharing rules includes at least two of the following: contributor points, group points pool, government subsidy points, and beneficiary self-payment;

[0057] The AI ​​recommendation module is used to analyze social relationships and behavioral data between users to recommend potential beneficiaries or contributors to whom a points transfer relationship can be established, and / or to recommend service tasks that users can claim.

[0058] The AI ​​risk control module is used to detect anomalies in the establishment of points transfer relationships and points transfer behavior. The anomaly detection includes identifying at least one of the following: false binding relationships and abnormally high-frequency transfers.

[0059] Furthermore, the AI ​​prediction and proactive service triggering module is used for:

[0060] Collect behavioral data from beneficiaries and use predictive models to analyze their potential demand for services or goods.

[0061] When the credibility of the potential demand exceeds a preset threshold, a recommended service task or a list of goods for redemption is automatically generated.

[0062] According to the authorization rules preset by the beneficiary, the system automatically uses the points in their personal account or the points pool of the group to complete the order and payment.

[0063] Furthermore, the contribution proof module includes:

[0064] The service record storage unit is used to record the service tasks completed by users and their evaluation information, and generate tamper-proof storage certificates.

[0065] The contribution generation unit is used to calculate and update the user's contribution based on the stored evidence, and generate the corresponding digital rights certificate.

[0066] Furthermore, the cross-group mutual assistance module is used for:

[0067] Receive a mutual aid request initiated by a group that requires external assistance, and specify the rules for paying points from the group's points pool;

[0068] The mutual assistance request is broadcast to other groups on the platform, and points settlement is triggered after a response is received.

[0069] The beneficial effects of this invention are as follows:

[0070] 1. Adapting to collective care scenarios: By using group points pools and composite diversion ratios, it solves the problem of allocating public expenses and personal consumption in collective care scenarios such as cohabitation for the elderly.

[0071] 2. Instant automatic assistance: Users only need to establish a relationship once, and subsequent points will be automatically transferred proportionally without any manual operation.

[0072] 3. Unified coverage across multiple scenarios: Multiple modes such as mutual assistance, points crowdfunding, merchant discount collection, platform public welfare assistance, and group collective support are implemented under a unified technical framework.

[0073] 4. Intelligent recommendations lower the barrier to entry: AI automatically identifies potential assistance relationships and recommends suitable redemption goods and service tasks, thereby increasing user engagement.

[0074] 5. Intelligent risk control ensures security: AI detects abnormal points transfer behavior in real time to prevent fraudulent binding and points laundering, and maintains the healthy ecosystem of the platform.

[0075] 6. Transparent and efficient multi-party revenue sharing: An automated and transparent multi-party revenue sharing engine provides the technical foundation for government subsidies, insurance payments, and other related transactions.

[0076] 7. Closed-loop circulation of points: Points can not only be used to purchase goods, but also to initiate service tasks to incentivize volunteers, realizing the circulation of points within the system.

[0077] Based on the same inventive concept, this invention provides a method for automatic transfer of points and resource scheduling based on relationship chains, including:

[0078] Establish a points transfer relationship between beneficiaries and contributors, and set points transfer rules. The beneficiaries include individual beneficiary users and / or group points pools. The points transfer rules include individual transfer ratios and group transfer ratios.

[0079] In response to the contributor's specified actions on the platform, points are generated and credited to the contributor's points account;

[0080] Listen for incoming events to the points account. When an incoming event is detected, automatically allocate and transfer the points to the beneficiary user's personal account and / or the group points pool according to the points flow relationship and transfer rules.

[0081] When a beneficiary user posts a request for help, and the total points collected from the request reach the required amount, the purchase of goods or the redemption of services can be completed.

[0082] Beneficiary users or the platform use points already collected in their personal accounts or the group points pool as incentives to initiate service tasks; after other users claim and complete the tasks, the system transfers the points corresponding to the tasks to the accounts of the users who completed the tasks.

[0083] It should be emphasized that the key technical features that distinguish this invention from the prior art, as well as its unexpected technical effects, are significant.

[0084] 1. Automatic transfer of points between individuals and groups based on relationship chains:

[0085] While existing technology CN121481280A discloses an event-driven multi-points pool proportional allocation, it addresses the multi-channel integration of government funds and commercial revenue, completely neglecting the establishment and management of point transfer relationships between users. This invention stores various point transfer relationships between users, such as binding, crowdfunding, merchant association, and assistance, through a relationship management module. When the automatic transfer engine detects a point crediting event, it determines the beneficiary based on the relationship chain and automatically allocates points to individual accounts and the public points pool according to separately set individual and group transfer ratios. This is not merely an application of proportional allocation, but a "composite transfer" architecture based on interpersonal relationships. It solves the problem of allocating public expenditures and private consumption in collective support scenarios that existing technologies cannot handle, producing the unexpected technical effect of "one point, two uses."

[0086] 2. Event-driven, automated, real-time assistance:

[0087] Unlike the passive "request-response" mode of the existing technology CN118195732A, this invention adopts an "event-driven" mode, which automatically completes the transfer the points the moment they are generated, achieving the immediate technical effect of "consumption as assistance".

[0088] 3. AI-enhanced secure, trustworthy, and collaborative ecosystem:

[0089] By lowering the barrier to establishing relationships through an AI recommendation module and ensuring the security of transactions through an AI risk control module, the two work together to enable the mutual aid system to maintain healthy operation while expanding its scale, resulting in a collaborative technological effect of "the smarter, the safer".

[0090] To better understand the technical solutions provided in the embodiments of the present invention, several specific scenarios are described in detail below.

[0091] Scenario 1: Family and Individual Mutual Assistance

[0092] See Figure 1 , Figure 3 and Figure 5 User A (child) binds their elder C as a fixed beneficiary user through the platform, setting the points transfer rules: 100% transfer for individuals, 0% transfer for groups. A earns 100 points by making a purchase at a partner supermarket, which the system automatically listens for and transfers to C's personal account. C uses the accumulated points to post a request for help on the platform to "buy rice," and once the request is met, the purchase and delivery are completed. Throughout the entire process, A requires no manual intervention; the act of making a purchase is itself a form of assistance.

[0093] The AI ​​recommendation module continuously analyzes user behavior data. When it detects frequent communication or shared delivery addresses between users A and C, it proactively pushes a binding suggestion to A. The AI ​​risk control module performs anomaly detection when the binding relationship is established to prevent fraudulent binding.

[0094] Scenario 2: Group Collective Support

[0095] See Figure 4 In a certain residential community, three elderly people, A, B, and C, share an apartment for communal living and retirement. The platform creates a group for this co-living arrangement called "XX Community Co-living and Retirement," and generates a group points pool P. The children each set their own points allocation rules; for example, A's daughter sets 50% for A and 50% for the group pool. After the children make purchases, the system automatically allocates the points proportionally. The points in the group points pool P are used to collectively purchase communal supplies such as rice, flour, and oil.

[0096] Scenario 3: Transparent Settlement of Revenue Sharing Among Multiple Parties

[0097] Following Scenario Two, when a group requires a "whole-house cleaning" service, the total cost is equivalent to 200 yuan in points. The platform sets up a multi-party revenue-sharing system: group points pool P pays 100 points, government subsidy points pay 60 points, and senior citizen A pays 40 points personally. After the service is completed, the multi-party revenue-sharing and settlement module uses atomic transactions to complete the deductions and payment to the service provider in one go, ensuring complete transparency and efficiency.

[0098] Scenario 4: Initiating service tasks using a group points pool

[0099] See Figure 6 The co-living manager posts a bounty task on the platform: "Full house cleaning at the co-living location, 100 points reward," with the points sourced from the group points pool P. The AI ​​recommendation module pushes matching tasks to nearby volunteers. After volunteer D claims and completes the task, the system deducts 100 points from the group pool P and credits them to D's personal account.

[0100] Scenario 5: AI Predictive Proactive Services

[0101] The AI ​​prediction and proactive service triggering module collects behavioral data from the elderly and analyzes their potential needs. If a sudden cold snap is predicted, and the prediction is made that elderly person A might need knee braces, and the likelihood of this is higher than a preset threshold, the system automatically deducts points from their personal account, places an order, and delivers the braces after obtaining preset authorization. This achieves proactive care before a need arises.

[0102] Scenario 6: Proof of Contribution

[0103] After volunteer D completes the task multiple times, the contribution proof module generates an immutable certificate of proof of service record and calculates the "contribution to elderly care services", generating a digital rights certificate that can be used to redeem priority for public services or credit points.

[0104] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and these modifications or substitutions should all be covered within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A system for automatic transfer of points and resource scheduling based on relationship chains, characterized in that, include: The points acquisition module is used to generate points and credit them to the first user's points account in response to a specified action of the first user on the platform; the specified action includes at least one of consumption behavior, participation in platform activities, and completion of tasks issued by the platform. The relationship management module is used to store points transfer relationships, which record beneficiary identifiers, contributor identifiers, and points transfer rules. The points transfer relationships include at least one of the following: binding relationships established between users, crowdfunding relationships initiated for redeeming target goods or services, merchant association relationships between merchants and beneficiaries, and assistance relationships set by the platform. The beneficiaries include individual beneficiary users and / or group points pools associated with a group containing at least two beneficiary users. An automatic transfer engine, connected to the points acquisition module and the relationship management module, is used to monitor the crediting event of the first user's points account. When a crediting event is detected, the engine queries the points transfer relationship of the first user as a contributor and automatically transfers the corresponding points from the first user's points account to the beneficiary user's personal account and / or the group points pool according to the individual transfer ratio and group transfer ratio set in the points transfer rules.

2. The system according to claim 1, characterized in that, When the automatic transfer engine executes the transfer, it uses a database transaction mechanism to simultaneously complete the deduction operation of the first user's points account and the addition operation of the beneficiary's points account, and generates a corresponding points transfer log.

3. The system according to claim 1, characterized in that, The points in the group points pool are used to pay for at least one of the following: group public expenses, unified procurement of materials, and payment of collective service fees.

4. The relationship-based automatic points transfer and resource scheduling system as described in claim 1, characterized in that, Also includes: The redemption request module is used for beneficiary users to post requests for help, including requests for purchasing goods, redeeming services, or requesting discounts at offline partner physical merchants, and setting the total amount of points required; The redemption and settlement module is used to complete the redemption of the goods, services, or merchant consumption when the points obtained from seeking help reach the total amount; The task management module is used to manage the lifecycle of service tasks. The source of the points incentive for the service tasks can be selected from the initiator's personal account or the group points pool.

5. The system according to claim 4, characterized in that, The system also includes a multi-party revenue sharing and settlement module, used for: For a service or goods order pending payment, a multi-party revenue sharing instruction is generated according to a preset multi-party revenue sharing rule. The deduction from at least two payer accounts and the crediting to the service provider account are completed simultaneously through atomic transactions. The payer in the multi-party revenue sharing rule includes at least two of the following: contributor points, group points pool, government subsidy points, and beneficiary self-payment.

6. The system according to claim 4, characterized in that, The system also includes an AI recommendation module and / or an AI risk control module; The AI ​​recommendation module is used to analyze social relationships and behavioral data between users, recommend potential beneficiaries or contributors to users who can establish a points transfer relationship, and / or recommend service tasks that users can claim. The AI ​​risk control module is used to detect anomalies in the establishment of points transfer relationships and points transfer behavior. The anomaly detection includes identifying at least one of false binding relationships and abnormally high-frequency transfers.

7. The system according to claim 4, characterized in that, The system also includes an AI prediction and proactive service triggering module, used for: Collect behavioral data from beneficiaries and use predictive models to analyze their potential demand for services or goods. When the credibility of the potential demand exceeds a preset threshold, a recommended service task or a list of goods for redemption is automatically generated. According to the authorization rules preset by the beneficiary, the system automatically uses the points in their personal account or the points pool of the group to complete the order and payment.

8. The system according to claim 4, characterized in that, The system also includes a contribution verification module, comprising: The service record storage unit is used to record the service tasks completed by users and their evaluation information, and generate tamper-proof storage certificates. The contribution generation unit is used to calculate and update the user's contribution based on the stored evidence, and generate the corresponding digital rights certificate.

9. The system according to claim 4, characterized in that, The system also includes a cross-group mutual assistance module for: Receive a mutual aid request initiated by a group that requires external assistance, and specify the rules for paying points from the group's points pool; The mutual assistance request is broadcast to other groups on the platform, and points settlement is triggered after a response is received.

10. A method for automatic transfer of points and resource scheduling based on relationship chains, characterized in that, The method is applicable to the system as described in any one of claims 1-9; the method includes: Establish a points transfer relationship between beneficiaries and contributors, and set points transfer rules. The beneficiaries include individual beneficiary users and / or group points pools. The points transfer rules include individual transfer ratios and group transfer ratios. In response to the contributor's specified actions on the platform, points are generated and credited to the contributor's points account; the specified actions include at least one of consumption behavior, participation in platform activities, and completion of tasks issued by the platform. Listen for incoming events to the points account. When an incoming event is detected, automatically allocate and transfer the points to the beneficiary user's personal account and / or the group points pool according to the points flow relationship and transfer rules. Beneficiary users post requests for help, including requests to purchase goods, redeem services, or request discounts at offline partner merchants; when the total points collected from these requests reach the required amount, the purchase of goods, redemption of services, or payment for merchant consumption is completed. Beneficiary users or platforms use points already collected in their personal accounts or the group points pool as incentives to initiate service tasks; after other users claim and complete the tasks, the system transfers the points corresponding to the tasks from the initiator's account or the group points pool to the account of the user who completed the task.

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