A system for co-ordinating targeted deduction and distributed distribution of consumption points

Abstract

The present application relates to the technical field of payment settlement, member data management and distributed distribution clearing, and discloses a kind of based on consumption points exchange directional deduction and distributed distribution collaborative system, comprising: payment integration layer, configured to integrate payment code payment channel, online direct connection payment channel and third party jump payment channel, to respond to the payment request triggered by user in full category consumption scene, generate original payment order containing consumption scene identifier and consumption amount;The present application integrates multiple payment channels to output order uniformly, collects all industry points and limits only to deduct hotel room charge, cooperates with point freezing and cancellation mechanism, solves the problem of point fragmentation and low utilization rate, system solidifies the lifelong home of member, still continues to give initial channel distribution for cross-city consumption, and stabilizes cooperation channel.Through double dynamic two-dimensional code hierarchical source tracing, cooperate with distributed distribution engine to automatically split settlement, rely on freeze rollback mechanism, eliminate manual reconciliation, and eliminate wrong and missing accounts.

Description

Technical Field

[0001] This invention relates to the fields of payment settlement, membership data management and distributed profit sharing and clearing technology, specifically a system based on the targeted deduction of consumer points and distributed profit sharing collaboration. Background Technology

[0002] With the deep integration of internet technology with diverse consumption ecosystems such as tourism, accommodation, and lifestyle services, points systems have become an important operational tool for merchants to enhance user loyalty and promote repeat purchases. Currently, there are various points management solutions in the industry that accumulate points based on consumption amounts and then redeem them for subsequent purchases, such as hotel membership points systems and general points systems for e-commerce platforms.

[0003] However, existing points management systems generally suffer from the following technical defects;

[0004] Points accumulation and consumption belong to different merchant systems. Points earned by users at different merchants cannot be redeemed across similar scenarios, resulting in low point utilization and significant waste of system resources. The existing system lacks a point-based redemption mechanism based on consumption scenario categories, failing to achieve a closed-loop incentive of "earning points with every purchase."

[0005] The profit-sharing settlement of the points system mostly adopts manual reconciliation or T+1 batch processing, which cannot automatically and in real time complete the amount splitting and account transfer of multi-level profit-sharing participants when the transaction is completed. The settlement efficiency is low and data inconsistency problems are easy to occur.

[0006] The existing system lacks a unified mechanism for locking down the member's location. When users make purchases across regions, it is difficult to trace the profit-sharing relationship. The interest binding between the initial promoter and the merchant is easily broken, making it impossible to build a long-term and stable all-domain consumption incentive network. Therefore, we propose a system based on the direct deduction of consumption points and a distributed profit-sharing collaboration system to solve the above problems. Summary of the Invention

[0007] To address the shortcomings of existing technologies, this invention provides a consumer points redemption and targeted deduction system with distributed profit sharing, which solves multiple problems in existing cultural and tourism consumption systems, such as fragmented points systems, easy changes in member affiliation, reliance on manual reconciliation for profit sharing, inconsistent payment channel data, and the inability to trace payment codes at different levels.

[0008] To achieve the above objectives, the present invention provides the following technical solution: a consumer points redemption and distributed profit-sharing collaborative system, comprising: a payment integration layer configured to integrate payment code payment channels, online direct connection payment channels and third-party redirection payment channels, in order to respond to payment requests triggered by users in all categories of consumption scenarios and generate an original payment order containing a consumption scenario identifier and a consumption amount;

[0009] The membership management module is configured to obtain the user's initial registration information, which includes the mobile phone number and the name of the current merchant. A lifetime membership account is established using the registration information as a unique identifier, and the city where the user was located when the user first entered the registration information is used as the lifetime location of the lifetime membership account.

[0010] The points calculation module is configured to automatically convert the spending amount of the lifetime member account at any partner merchant into accumulated points according to a preset points rule and record them in the lifetime member account; the accumulated points are only used to offset the expenses incurred by the lifetime member account when spending at the target merchant, and the target merchant and the merchant that generated the accumulated points belong to the same preset scenario category;

[0011] The QR code traceability module is configured to generate and manage dual QR codes, including a front desk QR code and a guest room QR code. The front desk QR code embeds a merchant identifier and a promoter identifier. Upon a user's first scan of the front desk QR code and completion of registration information entry, the membership management module is triggered to establish a lifetime membership account, lock the lifetime location, and bind the promoter identifier. The guest room QR code embeds a room number identifier and a current merchant identifier. The payment integration layer generates a consumption scenario identifier in the original payment order based on the room number identifier and the current merchant identifier.

[0012] The distributed profit-sharing engine is configured to respond to a transaction completion event by obtaining the consumption scenario identifier and consumption amount from the original payment order, splitting it into multiple profit-sharing shares according to a preset profit-sharing tier ratio, determining the ownership account of each profit-sharing tier based on the traceability data output by the QR code traceability module, and transferring each profit-sharing share to the corresponding ownership account.

[0013] The present invention provides a computer-readable storage medium having a computer program stored thereon, characterized in that, when the computer program is executed by a processor, it configures a computing device as the system described above.

[0014] Beneficial effects

[0015] This invention provides a collaborative system based on the universal redemption and distributed profit sharing of consumer points. Compared with existing technologies, it has the following advantages:

[0016] This system, based on a points-based, targeted redemption and distributed profit-sharing collaborative system, constructs a closed-loop, integrated payment processing architecture for targeted points redemption across the entire platform. The system integrates three payment channels to uniformly output standardized orders, connecting all categories of consumption scenarios including tourism, accommodation, and local services. The points calculation module uniformly collects consumption points from various business formats, with the underlying constraint that points can only be used to redeem hotel room fees. This addresses the shortcomings of traditional platform points systems, such as fragmentation, incompatibility between points across merchants, low points utilization, and wasted system computing resources, forming an automated incentive chain of "accumulating points across the entire platform and using points to redeem room fees." Simultaneously, a points freeze and redemption mechanism is included to prevent over-deduction and duplicate redemptions, and to improve the logic for handling business anomalies.

[0017] This invention relies on a lifetime membership lock-in mechanism to stabilize the profit network across all channels. The membership management module uses the initial registered mobile phone number and city as the permanent location, which cannot be modified. When assigning cross-city consumption revenue sharing, the location lock-in unit first verifies whether the current consumption city belongs to the preset allowed consumption area. If it does, the revenue continues to belong to the initially bound city partner, hotel, and promoter. If it does not, the payment request is rejected and a cross-regional consumption restriction prompt is output. This overcomes the pain points of existing systems where membership ownership resets with consumption scenarios and long-term channel revenue breaks, stabilizes the platform's private traffic pool, and enhances the stickiness of cooperation between merchants and city partners. Combined with the registration information verification unit, it can avoid problems such as duplicate registration and identity data confusion.

[0018] This invention achieves fully automated, manual settlement by relying on dual-dynamic QR code traceability and a distributed atomic profit-sharing engine. Two types of QR codes—one for front desk and one for guest rooms—differentiate between customer registration and in-store consumption scenarios, providing layered traceability data for profit-sharing determination. Furthermore, the QR codes are periodically updated with images while the underlying identifier remains unchanged, enhancing traceability security and accuracy. The profit-sharing engine, based on distributed transactions, completes the splitting and automatic transfer of funds among four levels of participants, with a pre-installed profit-sharing freeze mechanism. In case of transaction failure, funds are automatically unfrozen and rolled back, completely resolving industry shortcomings such as low efficiency of manual reconciliation, errors and omissions, and difficulties in recovering funds after sales. Attached Figure Description

[0019] Figure 1 This is a schematic diagram of the overall architecture of the present invention based on the consumer points redemption and distributed profit-sharing collaborative system;

[0020] Figure 2 This is a schematic diagram of the module composition of the consumer points redemption and distributed profit-sharing collaborative system of the present invention. Detailed Implementation

[0021] 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.

[0022] like Figure 1-2 As shown:

[0023] A payment integration layer is provided for a consumer points redemption and distributed profit-sharing collaborative system. It is configured to integrate payment code payment channels, online direct connection payment channels and third-party redirection payment channels to respond to payment requests triggered by users in all categories of consumption scenarios and generate original payment orders containing consumption scenario identifiers and consumption amounts.

[0024] The membership management module is configured to obtain the user's initial registration information, including the mobile phone number and the name of the current merchant. A lifetime membership account is established using the registration information as a unique identifier, and the city where the user was located when they first entered the registration information is used as the lifetime location of the lifetime membership account.

[0025] The membership management module also includes a location locking unit, which can be configured for:

[0026] Using the mobile phone number in the registration information of the lifetime member account as a unique cross-scenario index, in response to a payment request initiated by the lifetime member account in a city other than the first time it was registered, it is determined whether the city other than the first time it was registered belongs to the preset allowed consumption area corresponding to the lifetime home location; if so, the lifetime home location remains unchanged, so that the profit sharing generated by the lifetime member account's consumption outside its lifetime home location is still credited to the city partner level home account corresponding to the lifetime home location; if not, the payment request is rejected and a reminder of cross-regional consumption restrictions is displayed to the user.

[0027] The points calculation module is configured to automatically convert the spending amount of a lifetime member account at any partner merchant into accumulated points according to preset points rules and credit them to the lifetime member account; the accumulated points are only used to offset the expenses incurred by the lifetime member account when spending at the target merchant, and the target merchant and the merchant that generates the accumulated points belong to the same preset scenario category.

[0028] The payment integration layer includes:

[0029] The payment code payment submodule is configured to generate and display dynamic payment codes to complete payment code payments to receiving institutions.

[0030] The online direct payment submodule is configured to connect directly to banks or third-party payment institutions via API interfaces to complete payments.

[0031] The payment redirection submodule is configured to generate a redirect link to the corresponding third-party payment page in response to the user's instruction to select a third-party payment channel.

[0032] The QR code traceability module is configured to generate and manage dual QR codes, including a front desk QR code and a guest room QR code. The front desk QR code embeds a merchant identifier and a promoter identifier, configured as a promotional registration QR code. It is used for users to complete registration and bind a promoter upon their first scan. Upon a user's first scan of the front desk QR code and completion of registration information entry, the membership management module is triggered to create a lifetime membership account and lock the lifetime location and bind the promoter identifier. The guest room QR code embeds a room number identifier and a current merchant identifier, configured as a scene promotion QR code. It is used for users to access the current merchant and room number after scanning. The associated consumption page responds to the user scanning the room QR code and triggering a payment request. The payment integration layer generates a consumption scenario identifier in the original payment order based on the room number identifier and the current merchant identifier. Both the front desk QR code and the room QR code are dynamic QR codes. The QR code traceability module is configured to set an expiration period for the front desk QR code and the room QR code respectively, and regenerate and update the corresponding QR code image after their respective expiration periods. The merchant identifier and promoter identifier embedded in the front desk QR code, and the room number identifier and current merchant identifier embedded in the room QR code remain unchanged after their respective QR code images are updated.

[0033] The distributed profit-sharing engine is configured to respond to transaction completion events, obtain the consumption scenario identifier and consumption amount in the original payment order, split it into multiple profit-sharing shares according to the preset profit-sharing level ratio, determine the account to which each profit-sharing level belongs based on the traceability data output by the QR code traceability module, and transfer each profit-sharing share to the corresponding account.

[0034] The distributed revenue-sharing engine includes:

[0035] The profit-sharing rule configuration unit configures and stores a profit-sharing rule tree based on the profit-sharing level ratio. The profit-sharing levels include the front-end promoter level, the cooperative merchant level, the city partner level, and the platform headquarters level.

[0036] The traceability analysis unit is configured to parse the promoter ID, merchant ID, and lifetime affiliation corresponding to this consumption based on the traceability data, so as to determine the affiliation account of the front-end promoter level, cooperative merchant level, and city partner level respectively.

[0037] Atomic settlement unit, configured to atomically perform amount splitting calculations and multi-account transfer operations within a single transaction based on a distributed transaction framework;

[0038] The preset scenario categories are based on the merchant category corresponding to the first time a lifetime member account accumulates points, and the accumulated points are limited to redemption within the same merchant category; the full range of consumption scenarios includes tourism, accommodation, diversified consumption ecosystem of life services, group tours, local specialties, catering, scenic spot tickets, hotels and homestays, leisure and entertainment, bath and massage, on-call massage, medical beauty and hairdressing, dentistry, chartered car rental, gas and ticketing;

[0039] The dual QR codes are dynamic QR codes. The QR code traceability module is configured to: set an expiration date for the front desk QR code and the guest room QR code, and regenerate and update the corresponding QR code image after the expiration date; the merchant and promoter identifiers embedded in the front desk QR code, and the room number and current merchant identifiers embedded in the guest room QR code remain unchanged after the QR code image is updated;

[0040] The distributed revenue-sharing engine also includes a revenue-sharing freeze unit, configured to: freeze the revenue share corresponding to each revenue-sharing level in the consumption amount in response to the generation of the original payment order; transfer the frozen revenue share to the respective ownership account in response to the triggering of the transaction completion event; and release the frozen revenue share in response to the transaction failure event.

[0041] The points calculation module includes a points freezing unit and a points redemption unit. The points freezing unit is configured to: freeze the number of points corresponding to the deduction request when a lifetime member account initiates a deduction request to use accumulated points to offset fees; the points redemption unit is configured to: redeem the number of frozen points when the transaction corresponding to the deduction request is completed; and release the number of frozen points when the transaction corresponding to the deduction request fails or is canceled.

[0042] The membership management module also includes a registration information verification unit, configured to: obtain the user's entered mobile phone number; if a lifetime membership account already exists and the mobile phone number matches the registered mobile phone number, skip the step of creating a lifetime membership account and directly respond to the payment request with the existing lifetime membership account; if a lifetime membership account already exists but the mobile phone number does not match the registered mobile phone number, terminate the payment request and output a registration information conflict prompt.

[0043] The present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, configures a computing device as a system.

[0044] In this implementation plan: The payment integration layer serves as the data entry point for the entire system, uniformly connecting to three types of payment channels: payment code, online direct connection, and third-party redirection. It standardizes and encapsulates heterogeneous order data returned by different payment institutions. Each transaction generates an original payment order carrying the consumption scenario identifier, actual payment amount, terminal identifier, and QR code parsing information, which is uniformly pushed to the membership management module, points calculation module, QR code traceability module, and distributed profit sharing engine. This enables all business modules to share a single standard order data source, eliminating the adaptation barriers caused by inconsistent data formats from multiple payment channels.

[0045] The QR code traceability module uniformly maintains two types of dynamic QR codes: front-end QR codes and guest room QR codes. Both types of QR codes are configured with a fixed validity period, automatically refreshing the QR code image upon expiration, while the underlying encrypted identifier field remains unchanged. The front-end QR code contains a merchant identifier and a promoter identifier, configured as a promotional registration QR code for users' first registration and binding to a promoter. Its promoter identifier records the source of the initial promotion. The guest room QR code contains a room number identifier and a store identifier, configured as a scenario promotion QR code. Users scan it to access a consumption page associated with the current merchant and room number, achieving precise promotional traceability for consumption scenarios. After scanning both types of QR codes, differentiated traceability data is output, serving as the sole data source for the revenue-sharing engine to determine the revenue-sharing level, effectively distinguishing between front-end customer acquisition registration behavior and guest room scenario promotional consumption behavior.

[0046] The membership management module uses the user's mobile phone number as a unique index across all scenarios in the entire system. During the initial registration, the mobile phone number, merchant name, and registered city are stored synchronously. The database sets a read-only lock on the lifetime location field, which cannot be modified by any terminal or backend operation. Regardless of where the user makes purchases in the country, the location locking unit continuously reads the initial registered city and verifies whether the current consumption city belongs to the preset allowed consumption area. If it does, the cross-city consumption revenue sharing will continue to belong to the initial city partner. If it does not belong, the payment request will be rejected and a cross-regional consumption restriction prompt will be output, forming a permanent interest binding link while ensuring the compliance of the consumption region.

[0047] The distributed profit-sharing engine has a built-in atomic settlement unit. Relying on the distributed transaction framework, the profit-sharing splitting and multi-account transfer operations of a single order are constrained to have atomicity: the multi-level profit-sharing fund transfer of the same order is either all executed successfully or all rolled back, and there is no data inconsistency problem of some accounts receiving funds and some accounts not being settled; the supporting profit-sharing freezing unit locks the profit-sharing share in advance, distinguishes between the two fund processing logics of successful and failed transactions, and isolates fund risks.

[0048] Example 1: User's first front-end QR code registration and lifetime membership establishment process

[0049] When users arrive at the front desk of the partner hotel, they can scan the front desk QR code with their mobile phones. The QR code traceability module will then analyze the hotel merchant identifier and the front desk promoter's unique identifier embedded in the front desk QR code.

[0050] When a user enters their mobile phone number and the current hotel name in the app, the registration information verification unit in the membership management module verifies the mobile phone number.

[0051] The database has no corresponding mobile phone number member record. The location locking unit extracts the user's current registered city, generates a lifetime unique member identifier with mobile phone number and hotel name, creates a lifetime member account, fixes the lifetime location, and binds the current promoter identifier to the member's profile.

[0052] After registration, users can choose any payment channel to complete hotel check-in payment. The payment integration layer will activate the corresponding payment sub-module according to the user's selection. After the payment is completed, an original payment order with hotel accommodation scenario identification and actual payment amount will be generated.

[0053] The points calculation module reads the order amount and automatically calculates points according to the preset points conversion ratio, which are then added to the lifetime member account.

[0054] The distributed profit-sharing engine receives the original order and QR code traceability parsing data. The profit-sharing freezing unit first freezes the corresponding four-level profit-sharing shares. After the transaction is confirmed, the atomic settlement unit transfers the profit-sharing amount to the promoter account, hotel merchant account, city partner account corresponding to the registered city, and platform headquarters account in one go.

[0055] Example 2;

[0056] When a user checks into a hotel room, they scan the room's QR code. The QR code traceability module then analyzes the room number and hotel merchant identifier, using the room's QR code as a promotional QR code to guide the user to a consumption page associated with the current merchant and room number.

[0057] Users select room services, snacks, toiletries and other items, and complete the payment through the payment integration layer. The order carries a room consumption scenario identifier.

[0058] The points calculation module accumulates points for each purchase and deposits them into the member's account.

[0059] When a user checks out at any of the partner hotels for the next time, they can request to use points to offset the room rate; the points freeze unit will lock the points required for the offset.

[0060] After a hotel room fee transaction is completed, the points redemption unit permanently cancels and freezes the points; at the same time, the value of the points corresponding to this deduction is automatically transferred to the current hotel's account, realizing real-time revenue settlement for the hotel in the scenario of using points to offset room fees; according to the preset subsidy rules, the platform headquarters will directly return the difference between the actual room fee paid by the user and the amount deducted by points to the user's account in the form of cashback, forming a closed loop of consumption points to offset room fees and incentives. If the user cancels the check-in, the points freezing unit releases the locked points, and the points are returned to the member's account, completing the closed loop of targeted deduction of hotel room fees with points across the entire platform.

[0061] This solution constructs a closed-loop architecture for targeted points redemption across the entire platform and an integrated payment processing architecture. The system integrates three payment channels to uniformly output standardized orders, connecting all consumption scenarios across tourism, accommodation, and local services. The points calculation module uniformly collects consumption points from various business formats, with the underlying constraint that points can only be used to redeem hotel room fees. This addresses the shortcomings of traditional platform points systems, such as fragmentation, incompatibility between points across merchants, low points utilization, and wasted system computing resources, forming an automated incentive chain of "accumulating points through all-domain consumption and using points to redeem room fees." Simultaneously, a points freeze and redemption mechanism is included to prevent over-deduction and duplicate deductions, and to improve the logic for handling business anomalies.

[0062] This invention relies on a lifetime membership lock-in mechanism to stabilize the profit network across all channels. The membership management module uses the initial registered mobile phone number and city as the permanent location, a field that cannot be modified. Even if a user makes purchases in different locations, the corresponding profit sharing continues to belong to the initially bound city partner, hotel, and promoter. This overcomes the pain points of existing systems where membership ownership resets with consumption scenarios and long-term channel revenue breaks, thus solidifying the platform's private traffic pool and increasing the stickiness of cooperation between merchants and city partners. Combined with a registration information verification unit, it can avoid issues such as duplicate registrations and incorrect identity data.

[0063] This invention relies on a lifetime membership lock-in mechanism to stabilize the profit network across all channels. The membership management module uses the initial registered mobile phone number and city as the permanent location, which cannot be modified. When assigning cross-city consumption revenue sharing, the location lock-in unit first verifies whether the current consumption city belongs to the preset allowed consumption area. If it does, the revenue continues to belong to the initially bound city partner, hotel, and promoter. If it does not, the payment request is rejected and a cross-regional consumption restriction prompt is output. This overcomes the pain points of existing systems where membership ownership resets with consumption scenarios and long-term channel revenue breaks, stabilizes the platform's private traffic pool, and enhances the stickiness of cooperation between merchants and city partners. Combined with the registration information verification unit, it can avoid problems such as duplicate registration and identity data confusion.

[0064] Finally, it should be noted that the above descriptions are merely preferred embodiments of the present invention and are not intended to limit the present invention. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing embodiments or make equivalent substitutions for some of the technical features. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A collaborative system based on the exchange and targeted deduction of consumer points and distributed profit sharing, characterized in that: include: The payment integration layer is configured to integrate payment code payment channels, online direct connection payment channels, and third-party redirect payment channels to respond to payment requests triggered by users in all categories of consumption scenarios and generate original payment orders containing consumption scenario identifiers and consumption amounts. The membership management module is configured to obtain the user's initial registration information, which includes the mobile phone number and the name of the current merchant. A lifetime membership account is established using the registration information as a unique identifier, and the city where the user was located when the user first entered the registration information is used as the lifetime location of the lifetime membership account. The points calculation module is configured to automatically convert the spending amount of the lifetime member account at any partner merchant into accumulated points according to a preset points rule and record them into the lifetime member account. The accumulated points are only used to offset the fees incurred by the lifetime member account when making purchases at the target merchant, and the target merchant and the merchant that generated the accumulated points belong to the same preset scenario category; The QR code traceability module is configured to generate and manage dual QR codes, including a front desk QR code and a guest room QR code. The front desk QR code embeds a merchant identifier and a promoter identifier. Upon a user's first scan of the front desk QR code and completion of registration information entry, the membership management module is triggered to establish a lifetime membership account, lock the lifetime location, and bind the promoter identifier. The guest room QR code embeds a room number identifier and a current merchant identifier. The payment integration layer generates a consumption scenario identifier in the original payment order based on the room number identifier and the current merchant identifier. The distributed profit-sharing engine is configured to respond to a transaction completion event by obtaining the consumption scenario identifier and consumption amount from the original payment order, splitting it into multiple profit-sharing shares according to a preset profit-sharing tier ratio, determining the ownership account of each profit-sharing tier based on the traceability data output by the QR code traceability module, and transferring each profit-sharing share to the corresponding ownership account.

2. The system for targeted deduction and distributed profit sharing based on universal redemption of consumer points as described in claim 1, characterized in that: The distributed revenue-sharing engine includes: The profit-sharing rule configuration unit is configured to store and manage a profit-sharing rule tree based on the profit-sharing level ratio. The profit-sharing levels include the front-end promoter level, the cooperative merchant level, the city partner level, and the platform headquarters level. The traceability and analysis unit is configured to parse the promoter identifier, merchant identifier, and lifetime affiliation corresponding to this consumption based on the traceability data, so as to determine the affiliation account of the front-end promoter level, cooperative merchant level, and city partner level respectively; Atomic settlement units are configured to atomically perform amount splitting calculations and multi-account transfer operations within a single transaction, based on a distributed transaction framework.

3. The system for targeted deduction and distributed profit sharing based on universal redemption of consumer points as described in claim 1, characterized in that: The member management module also includes a location locking unit, configured for: Using the mobile phone number in the registration information of the lifetime member account as a unique cross-scenario index, in response to the lifetime member account initiating a payment request in a city other than the first time it was registered, it is determined whether the city other than the first time it was registered belongs to the preset allowed consumption area corresponding to the lifetime home location; If so, the lifetime home location remains unchanged, so that the revenue generated from consumption outside the lifetime home location by the lifetime member account is still credited to the city partner level home account corresponding to the lifetime home location. If not, the payment request is rejected, and a notification of restrictions on out-of-town spending is displayed to the user.

4. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 1, characterized in that: The payment integration layer includes: The payment code payment submodule is configured to generate and display dynamic payment codes to complete payment code payments to receiving institutions. The online direct payment submodule is configured to connect directly to banks or third-party payment institutions via API interfaces to complete payments. The payment redirection submodule is configured to generate a redirect link to the corresponding third-party payment page in response to the user's instruction to select a third-party payment channel.

5. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 1, characterized in that: The preset scenario category is based on the merchant category corresponding to the first time the lifetime member account accumulates points, and the accumulated points are limited to redemption within the same merchant category; the full-category consumption scenario includes tourism, accommodation, diversified consumption ecosystem of life services, group tours, local specialties, catering, scenic spot tickets, hotels and homestays, leisure and entertainment, bath and massage, on-call massage, medical beauty and hairdressing, dentistry, chartered car rental, gas and ticketing full-category consumption.

6. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 1, characterized in that: The dual QR codes are dynamic QR codes, and the QR code traceability module is configured for: Set an expiration date for the front desk QR code and the guest room QR code respectively, and regenerate and update the corresponding QR code image after their respective expiration dates; The front-end QR code serves as a consumer promotion QR code, and the embedded merchant and promoter identifiers remain unchanged after the QR code image is updated. It is used for users to scan for the first time to complete registration and bind the promoter. The guest room QR code serves as an in-store consumption scenario QR code. The embedded room number identifier and current merchant identifier remain unchanged after the QR code image is updated. It is used for users to scan to initiate a payment request and generate a consumption scenario identifier containing the room number identifier and current merchant identifier.

7. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 3, characterized in that: The distributed profit-sharing engine also includes a profit-sharing freezing unit, configured to: freeze the profit-sharing share corresponding to each profit-sharing level in the consumption amount in response to the generation of the original payment order; and transfer the frozen profit-sharing share to each attributable account in response to the triggering of the transaction completion event. In response to a transaction failure event, the frozen profit-sharing share is released.

8. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 1, characterized in that: The points calculation module includes a points freezing unit and a points redemption unit. The points freezing unit is configured to: freeze the number of points corresponding to the deduction request in response to a lifetime member account initiating a deduction request to use the accumulated points to offset fees; the points redemption unit is configured to: redeem the frozen number of points in response to the completion of the transaction corresponding to the deduction request; and release the frozen number of points in response to the failure or cancellation of the transaction corresponding to the deduction request.

9. The system for targeted deduction and distributed profit sharing based on the universal redemption of consumer points as described in claim 1, characterized in that: The membership management module also includes a registration information verification unit, configured to: obtain the mobile phone number entered by the user; when the lifetime membership account already exists and the mobile phone number is consistent with the registered mobile phone number, skip the step of establishing a lifetime membership account and directly respond to this payment request with the existing lifetime membership account; when the lifetime membership account already exists but the mobile phone number is inconsistent with the registered mobile phone number, terminate this payment request and output a registration information conflict prompt.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it configures the computing device as a system as described in any one of claims 1 to 9.

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