Network transaction system using platform vouchers for transaction reward and investment
Patent Information
- Application Number
- PCT/CN2026/082775
- Authority / Receiving Office
- WO · WO
- Patent Type
- Applications
- Current Assignee / Owner
- Priority Date
- 2025-03-19
- Filing Date
- 2026-03-11
- Publication Date
- 2026-09-24
Smart Images
Figure CN2026082775_24092026_PF_FP_ABST
Abstract
Description
Online trading system that uses platform coupons for trading rewards and investments Technical Field
[0001] This application relates to the field of online trading system technology, and in particular to an online trading system that uses platform vouchers for trading rewards and investments. Background Technology
[0002] In modern society, online shopping has become an indispensable procurement channel for ordinary consumers and business operators. From daily necessities to raw materials for production, there is a wide variety of products available. Transactions can be completed with just a few taps on a screen, making it convenient and fast. It even allows direct purchase of overseas goods.
[0003] With the continuous development of economic globalization, ordinary consumers and business operators can enjoy goods and services from all over the world. However, the prices of goods and services in different countries and regions on relevant platforms are all marked in local currencies, resulting in chaotic prices. The operations of purchasing, settlement, accounting, inventory and currency exchange are cumbersome, which seriously affects the procurement time. At the same time, the functions are limited and global capital cannot flow. Summary of the Invention
[0004] In view of the above-mentioned defects or deficiencies in the relevant technologies, it is desirable to provide a network trading system that utilizes platform vouchers for trading rewards and investment.
[0005] In some embodiments, a web-based trading system is described that utilizes platform vouchers for transaction rewards and investments. The web-based trading system includes a web-based procurement platform and a web-based investment and financing platform communicatively connected to the web-based procurement platform.
[0006] The online procurement platform includes interconnected information registration interfaces, transaction income and expenditure investment interfaces, transaction reward investment interfaces, a first exchange interface, and a first storage interface. The information registration interface receives registration information entered by the user on the operation interface, including buyer member information or seller member information. The transaction income and expenditure investment interface receives the user's selected transaction income and expenditure investment method on the operation interface after successful registration. The transaction income and expenditure investment method includes either transaction income and expenditure investment or no investment. If the transaction income and expenditure investment method is transaction income and expenditure investment, a pop-up window displaying the investment deadline conditions for the transaction income and expenditure investment vouchers is displayed on the operation interface, and the user's selection result for the investment deadline conditions for the transaction income and expenditure investment vouchers is received. The transaction income and expenditure investment vouchers include transaction income vouchers and transaction expenditure vouchers. The transaction reward investment interface receives the user's selected transaction income and expenditure investment vouchers after successful registration. The user selects a transaction reward investment method on the operation interface. This method includes either transaction reward investment or no investment. If the transaction reward investment method is selected as transaction reward investment, a pop-up window displaying the investment return and dividend agreement and investment deadline conditions for the transaction reward voucher will appear on the operation interface, and the user's selection result for these agreements will be received. The first exchange interface is used to convert foreign currency into platform vouchers based on the registration information. These platform vouchers are used for pricing goods and services or for shopping transactions and investments. The first storage interface is used to store the registration information, the transaction income and expenditure investment method, the selection result of the investment deadline conditions for the transaction income and expenditure investment voucher, the transaction reward investment method, the selection result of the investment return and dividend agreement and investment deadline conditions for the transaction reward voucher, and the conversion result of the platform voucher on the blockchain.
[0007] The online investment and financing platform includes interconnected investment selection interfaces, investment and financing interfaces, a second exchange interface, and a second storage interface. The investment selection interface displays an investment method pop-up on the operation interface when the transaction receipt and payment investment method is transaction receipt and payment investment and / or the transaction reward investment method is transaction reward investment, and receives the user's selection result for the investment method. The investment method includes individual independent investment or platform-agent investment. The investment and financing interface filters target companies from the financing company database registered on the platform and invests in the target companies using platform vouchers. The platform vouchers include transaction receipt and payment investment vouchers and transaction reward vouchers. The second exchange interface converts the platform vouchers obtained from shopping transactions and completed investments into foreign currency. The second storage interface stores the investment method selection result, the target company screening result, and the foreign currency conversion result on the blockchain. Attached Figure Description
[0008] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0009] Figure 1 is a schematic diagram of a network trading system architecture that utilizes platform coupons for transaction rewards and investments, as provided in an embodiment of this application.
[0010] Figure 2 is a schematic diagram of the architecture of the transaction reward investment interface in the network transaction system shown in Figure 1, provided by an embodiment of this application;
[0011] Figure 3 is a schematic diagram of the architecture of the investment and financing interface in the network transaction system shown in Figure 1, provided by an embodiment of this application;
[0012] Figure 4 is a schematic diagram of the architecture of the second exchange interface in the network transaction system shown in Figure 1, provided by an embodiment of this application;
[0013] Figure 5 is a schematic diagram of a network transaction method for using platform coupons for transaction rewards and investment, provided in an embodiment of this application. Detailed Implementation
[0014] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.
[0015] To make the above-mentioned objectives, features and advantages of this application more apparent and understandable, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments.
[0016] It should be noted that, unless otherwise specified, the embodiments and features in the embodiments of this application can be combined with each other. The following describes in detail, with reference to Figures 1 to 5, the network trading system and method for trading rewards and investments using platform vouchers provided by the embodiments of this application.
[0017] Please refer to Figure 1, which is a schematic diagram of a network trading system architecture for transaction rewards and investments using platform coupons provided in an embodiment of this application. The network trading system 1 includes a network procurement platform 11 and a network investment and financing platform 12 connected by communication. The network trading system 1 runs on a computer device, which can be a server. Further, the network procurement platform 11 includes interconnected information registration interface 111, transaction income and expenditure investment interface 112, transaction reward investment interface 113, first exchange interface 114, and first storage interface 115. Among them, the information registration interface 111 can receive registration information entered by the user on the operation interface. The registration information includes buyer member information or seller member information. For example, during registration, the information registration interface 111 creates an account for the user. The account includes a shopping transaction account and an investment account. The shopping transaction account is used to record the total coupon value of platform coupons of types such as transaction income coupons and transaction expenditure coupons. The investment account is used to record the total coupon value of platform coupons of types such as transaction reward coupons and investment return dividend coupons. The transaction income and expenditure investment interface 112 can receive the transaction income and expenditure investment method selected by the user in the operation interface after successful user registration. The transaction income and expenditure investment method includes transaction income and expenditure investment or transaction income and expenditure no investment. If the transaction income and expenditure investment method is transaction income and expenditure investment, a pop-up window for the investment deadline agreement of the transaction income and expenditure investment securities will be displayed in the operation interface, and the user's selection result of the investment deadline agreement of the transaction income and expenditure investment securities will be received. The transaction income and expenditure investment securities include transaction income securities and transaction expenditure securities. It can be understood that transaction income securities and transaction expenditure securities can be used for investment in whole or in part. For example, the investment deadline agreement of the transaction income and expenditure investment securities is that the investment return is 50% of the value of the transaction income and expenditure investment securities. The transaction reward investment interface 113 can receive the transaction reward investment method selected by the user on the operation interface after successful user registration. The transaction reward investment method includes transaction reward investment or transaction reward no investment. If the transaction reward investment method is transaction reward investment, a pop-up window for the investment return dividend agreement and investment deadline agreement of the transaction reward voucher will be displayed on the operation interface, and the user's selection result of the investment return dividend agreement and investment deadline agreement of the transaction reward voucher will be received. For example, the investment deadline agreement of the transaction reward voucher is that after the investment member who provided the transaction reward voucher recovers the principal through the investment return dividend, the transaction reward voucher belongs to the investment member who received the transaction reward voucher. The investment member is either a buyer member or a seller member.
[0018] The first exchange interface 114 can convert foreign currency into platform coupons based on registration information. This foreign currency refers to the currencies of different countries and regions used by the user. These platform coupons are used for pricing goods and services, or for shopping transactions and investments. For example, seller members can use platform coupons to price goods and services, while both buyer and seller members can use them for shopping transactions and investments. The first exchange interface 114 can convert foreign currency into platform coupons in a timely manner based on daily exchange rate changes. The first storage interface 115 can store registration information, transaction income and expenditure investment methods, the selection results of investment deadline agreements for transaction income and expenditure investment coupons, transaction reward investment methods, the selection results of investment return and dividend agreements for transaction reward coupons and investment deadline agreements, and the conversion results of platform coupons on the blockchain. This setup not only enables real-time transaction confirmation and settlement, significantly shortening clearing time, but also ensures that data cannot be tampered with, improving security. In addition, the online procurement platform 11 also includes a shopping interface, allowing users to purchase goods and services from around the world through this interface, improving efficiency.
[0019] The online investment and financing platform 12 includes interconnected investment selection interface 121, investment and financing interface 122, second exchange interface 123, and second storage interface 124. The investment selection interface 121 displays an investment method pop-up on the user interface when the investment method is either transaction income and expenditure investment, transaction reward investment, or both transaction income and expenditure investment and transaction reward investment are selected. This pop-up receives the user's choice of investment method, which includes individual independent investment or platform-agent investment.The investment and financing interface 122 allows users to filter target companies from the platform's registered database and invest in them using platform vouchers. These vouchers include transaction income / expense investment vouchers and transaction reward vouchers. For example, individual investors can use transaction income vouchers, transaction expense vouchers, or transaction reward vouchers to sign contracts with target companies. Investment returns from transaction income and transaction expense vouchers belong to the investing member, while investment returns from transaction reward vouchers are shared between the receiving and providing members of the vouchers, or between the platform and the individual, according to an agreement. For instance, the platform and the individual can share profits proportionally. For example (2:8), or by the number of times (200 coupons per time), the platform can receive investment dividend coupons, thus having a source of income and ensuring long-term stable operation. It's understandable that transaction revenue coupons and transaction expenditure coupons are relative concepts. For example, the seller receives transaction revenue coupons, while the buyer receives transaction expenditure coupons. The identity / role can change according to different application scenarios. Furthermore, transaction revenue coupons and transaction expenditure coupons are unique assets of the investment members. In actual use, the investment and financing interface 122 receives the target company and investment information entered by individual investment members on the operation interface. This investment information includes the corresponding investment value of transaction revenue coupons, transaction expenditure coupons, or transaction reward coupons. Based on this information, the total coupon value in the investing member's account is reduced, and the total coupon value in the target company's account is increased accordingly to complete the investment. For example, platform-agent investment can use the platform's transaction profit coupons and the investing member's entrusted coupons to select high-quality target companies from the financing company database for investment. The investment returns from the platform's transaction profit coupons belong to the platform, while the investing member's entrusted coupons are distributed as agreed between the platform and the entrusted investing member. The platform's transaction profit coupons originate from the platform's transaction commission coupons and other sources. The platform offers investment dividend vouchers and platform market value overflow vouchers. For example, the platform and individuals can share transaction amounts proportionally (1:9) or per transaction (100 vouchers per transaction). The investment member's entrusted vouchers can be transaction revenue vouchers, transaction expenditure vouchers, or transaction reward vouchers. The high-quality target companies can be those whose transaction volume in the goods and services transaction data is not less than a preset transaction volume threshold. When multiple such companies exist, the platform can choose the top-ranked company or select randomly. This can help high-quality target companies in terms of financing, solving their financing difficulties and high financing costs. The second exchange interface 123 can convert platform vouchers from completed shopping transactions and investments into foreign currency. For example, platform vouchers from completed shopping transactions and investments include, but are not limited to, transaction revenue vouchers and transaction expenditure vouchers not used for investment, as well as transaction revenue vouchers, transaction expenditure vouchers, transaction reward vouchers, and investment return dividend vouchers that can be withdrawn after investment is completed, realizing full life cycle management and orderly flow of capital. Similarly, the second storage interface 124 can also store the investment method selection results, target company screening results, and foreign currency conversion results on the blockchain.
[0020] In some embodiments, as shown in Figure 2, the transaction reward investment interface 113 may include interconnected seller transaction reward sub-interface 1131, buyer transaction reward sub-interface 1132, and platform transaction reward sub-interface 1133. Specifically, the seller transaction reward sub-interface 1131 can use seller members' transaction revenue coupons to reward buyer members, i.e., consumption rebates, facilitating promotions. For example, the seller transaction reward sub-interface 1131 receives the coupon value corresponding to the transaction revenue coupon entered by the seller member on the operation interface, then reduces the total coupon value in the seller member's shopping transaction account based on this coupon value, and correspondingly increases the total coupon value in the buyer member's investment account, completing the reward. The buyer transaction reward sub-interface 1132 can specifically use buyer members' transaction expenditure coupons to reward seller members, i.e., tipping; even buyer members and seller members can reward each other, with the processing similar to seller members rewarding buyer members. The platform transaction reward sub-interface 1133 can specifically utilize the platform's transaction profit coupons to reward at least one of the buyer members and seller members. The processing is similar to that of seller members rewarding buyer members. The total coupon value corresponding to the platform's transaction profit coupons is recorded in the platform account. The platform's transaction profit coupons come from platform transaction commission coupons, platform investment dividend coupons, and platform market value overflow coupons, etc. For example, the platform transaction reward sub-interface 1133 selects buyer members who meet the first preset condition from the transaction data of goods and services to reward them with coupons. The first preset condition includes the transaction sequence number being before the preset position and the purchase volume being not less than the preset purchase volume threshold, or the transaction sequence number being before the preset position and the purchase volume being not less than the preset purchase volume threshold. It also selects seller members who meet the second preset condition from the transaction data of goods and services to reward them with coupons. The second preset condition includes the transaction volume being not less than the preset transaction volume threshold. This can help high-quality target enterprises in terms of sales and promote the transaction of high-quality products. In addition, the transaction reward investment interface 113 may also include a commission sub-interface 1134 connected to the platform transaction reward sub-interface 1133. Specifically, the commission sub-interface 1134 can reward the platform's transaction profit coupons to the promotional members who share the link and facilitate shopping transactions and investments through the platform transaction reward sub-interface 1133, thereby increasing the number of platform members. The promotional members are either buyer members or seller members. For example, buyer member A shares an investment link with buyer member B through the operation interface. The investment link contains buyer member A's personal identification code. When the commission sub-interface 1134 detects that buyer member B enters the online investment and financing platform through the investment link and completes the investment, it issues the platform's transaction profit coupons to buyer member A's investment account.
[0021] In some embodiments, as shown in Figure 3, the investment and financing interface 122 may include an interconnected financing submission sub-interface 1221 and a profit sharing sub-interface 1222. Specifically, the financing submission sub-interface 1221 receives financing plans uploaded by financing companies through the operation interface and records the financing company in the financing company database after the financing plan is reviewed and publicized. This financing company is a seller member of the online procurement platform 11. The profit sharing sub-interface 1222 can use the total assets of the financing company on the online procurement platform 11 as collateral. The financing company cannot withdraw from the platform until the financing is completed, reducing investment and financing risks. Platform vouchers are allocated to investment members according to the investment amount and profit sharing amount in the financing plan. The financing company needs to confirm the allocation on the operation interface. These total assets include transaction revenue vouchers and transaction reward vouchers used as collateral by the financing company, as well as transaction revenue vouchers and transaction reward vouchers of the corresponding related parties of the financing company. The corresponding related parties of the financing company can be legal persons or direct beneficiaries. These total assets are greater than or less than the investment amount and profit sharing amount in the financing plan, or less than a preset proportion of the investment amount and profit sharing amount in the financing plan. This preset proportion can be less than 5% or more than 5%. Furthermore, the profit-sharing sub-interface 1222 can specifically compensate investment members using total assets when a financing company fails to allocate platform vouchers to them according to the investment and dividend amounts stipulated in the financing plan. This default behavior is recorded and displayed on the interface. Financing companies with defaults will no longer have financing opportunities. For example, if the profit-sharing sub-interface 1222 detects that the amount confirmed by the financing company on the interface does not match the financing plan, it determines that the financing company has not implemented the financing plan, and in this case, it must compensate investment members for the difference using total assets. Additionally, financing companies can use the platform vouchers they have raised to purchase necessary production raw materials, equipment, packaging materials, and services on the online procurement platform 11. If a suitable supplier cannot be found on the online procurement platform 11, the financing company can recommend a suitable supplier to the platform and purchase from that supplier, while also earning commissions. This helps establish a high-quality supply chain and industrial chain for the platform.
[0022] In some embodiments, as shown in Figure 4, the second exchange interface 123 may include a voucher valuation sub-interface 1231. Specifically, the voucher valuation sub-interface 1231 can adjust the foreign currency exchange ratio based on the estimated voucher value of the platform voucher according to the anchor item. The anchor item includes, but is not limited to, the platform's market value, the member group's genetic testing score, the member group's education score, the member group's credit score, the member group's own enterprise credit score, and the member group's employed enterprise credit score, etc. In other words, the voucher value of the platform voucher appreciates as the business scale continues to expand and a large number of members with excellent scores join. The more vouchers a member holds, the more shares or shares they own in the platform. In addition, the second exchange interface 123 may also include a voucher trading sub-interface 1232 connected to the voucher valuation sub-interface 1231. Specifically, the voucher trading sub-interface 1232 can transfer or sell platform vouchers that have been completed in shopping transactions and investments. For example, platform vouchers that have been completed in shopping transactions and investments include, but are not limited to, transaction income vouchers, transaction expenditure vouchers, transaction reward vouchers, and investment return dividend vouchers that can be withdrawn after completing the investment. This provides greater flexibility. The transfer or sale process is changed and adjusted based on the total voucher value in the accounts of both parties, resulting in a zero-sum game.
[0023] This application provides an online transaction system that converts foreign currency into platform vouchers for internal circulation. These vouchers can be used to price goods and services, as well as for shopping transactions and investments. This facilitates price comparisons and unified international settlements, avoiding the cumbersome process of currency exchange and reducing exchange losses. It significantly improves the efficiency of purchasing goods and services from around the world. Users can select transaction income / expense investment and transaction reward investment through the interface, and use these vouchers to select target companies from the platform's registered financing enterprise database for principal-protected investments. In other words, it combines investment and trading, making investment a part of daily life and transforming consumption from spending money to earning money. This greatly reduces consumption costs, investment costs, and barriers to entry. Furthermore, the platform uses blockchain to store various information, ensuring fast, tamper-proof, secure, and reliable processing. Finally, the platform vouchers from completed shopping transactions and investments can be converted into foreign currency, thus achieving full lifecycle management and orderly flow of capital, making it highly efficient and convenient.
[0024] Based on the foregoing embodiments, this application provides a network trading method for transaction rewards and investments using platform coupons. This network trading method can be used in the network trading system 1 corresponding to the embodiments in Figures 1 to 4. Please refer to Figure 5, which is a schematic flowchart of a network trading method for transaction rewards and investments using platform coupons provided in this application. The network trading method specifically includes the following steps:
[0025] S101 receives registration information entered by the user on the operation interface. This registration information includes buyer member information or seller member information. Based on the registration information, foreign currency is converted into platform coupons, which are used for pricing goods and services or for shopping transactions and investments.
[0026] For example, in some embodiments of this application, seller members can use platform coupons to price goods and services, while both buyer and seller members can use platform coupons for shopping transactions and investments.
[0027] S102, responding to successful user registration, receiving the user's selected transaction income and expenditure investment method and transaction reward investment method on the operation interface. The transaction income and expenditure investment method includes transaction income and expenditure investment or transaction income and expenditure no investment, and the transaction reward investment method includes transaction reward investment or transaction reward no investment.
[0028] Specifically, if the investment method for transaction income and expenditure is "transaction income and expenditure investment," the operation interface will display pop-up windows for the investment cut-off conditions and investment method for the transaction income and expenditure investment vouchers. The interface will also receive the user's selection results for both the investment cut-off conditions and investment method. These transaction income and expenditure investment vouchers include transaction income vouchers and transaction expenditure vouchers. Alternatively, if the investment method for transaction reward is "transaction reward investment," the operation interface will display pop-up windows for the investment return distribution agreement and investment cut-off conditions for the transaction reward vouchers, as well as another pop-up window for the investment method. The interface will also receive the user's selection results for both the investment return distribution agreement and investment cut-off conditions for the transaction reward vouchers, as well as their choice of investment method. Alternatively, if the investment method for transaction income and expenditure is transaction income and expenditure investment and the investment method for transaction reward investment is transaction reward investment, then the operation interface will display a pop-up window for the investment deadline conditions of the transaction income and expenditure investment voucher, a pop-up window for the investment income and dividend agreement and investment deadline conditions of the transaction reward voucher, and a pop-up window for the investment method. The interface will also receive the user's selection results for the investment deadline conditions of the transaction income and expenditure investment voucher, the investment income and dividend agreement and investment deadline conditions of the transaction reward voucher, and the selection results for the investment method. The investment method includes individual independent investment or platform agency investment.
[0029] For example, in some embodiments of this application, the investment cutoff condition for transaction receipts and payments investment vouchers can be that the investment return is 50% of the value of the transaction receipts and payments investment vouchers, while the investment cutoff condition for transaction reward vouchers can be that the transaction reward vouchers belong to the investment member who received the transaction reward vouchers after the investment member who provided the transaction reward vouchers has recovered their principal through the dividends of the investment return.
[0030] S103: Select target companies from the financing company database registered on the platform and invest in the target companies using platform vouchers, which include transaction receipt and payment investment vouchers and transaction reward vouchers.
[0031] For example, in some embodiments of this application, individual investors can use transaction revenue coupons, transaction expenditure coupons, or transaction reward coupons to sign contracts with target companies. The investment returns from transaction revenue coupons and transaction expenditure coupons belong to the investor, while the investment returns from transaction reward coupons are shared as agreed between the investor receiving the transaction reward coupons and the investor providing the transaction reward coupons or the platform. This provides the platform with a source of income, enabling its long-term stable operation. Alternatively, the platform can act as an agent for investment, using the platform's transaction profit coupons and the entrusted coupons of investor members to select high-quality target companies from the financing company database for investment. The investment returns from the platform's transaction profit coupons belong to the platform, while the entrusted coupons of investor members are shared as agreed between the platform and the entrusted investor. This provides support to high-quality target companies in terms of financing, facilitating their rapid and efficient financing.
[0032] Furthermore, in other embodiments of this application, a financing plan uploaded by the financing company through an operating interface can be received, and after the financing plan is reviewed and publicized, the financing company is recorded in the financing company database. This financing company is a seller member of the online procurement platform. Then, the total assets of the financing company on the online procurement platform are used as collateral. The financing company cannot withdraw from the platform until the financing is completed, thus reducing investment and financing risks. Platform vouchers are allocated to the investing members according to the investment amount and dividend amount in the financing plan. The financing company needs to confirm the allocation on the operating interface. The total assets include the transaction revenue vouchers and transaction reward vouchers used by the financing company as collateral, as well as the transaction revenue vouchers and transaction reward vouchers of the relevant persons of the financing company. The relevant persons of the financing company can be legal persons or direct beneficiaries. The total assets are greater than the investment amount and dividend amount in the financing plan or less than a preset proportion of the investment amount and dividend amount in the financing plan. The preset proportion can be less than 5% or more than 5%. If the financing company fails to allocate platform coupons to investment members according to the investment amount and dividend amount in the financing plan, the total assets will be used to repay the investment members, and the default behavior of the financing company will be recorded and displayed on the operation interface. Financing companies with default behavior will no longer have financing opportunities.
[0033] S104 converts platform vouchers earned from completed shopping transactions and investments into foreign currency.
[0034] For example, in some embodiments of this application, the platform vouchers for the completion of shopping transactions and investments include, but are not limited to, transaction revenue vouchers and transaction expenditure vouchers not used for investment, as well as transaction revenue vouchers, transaction expenditure vouchers, transaction reward vouchers and investment return dividend vouchers that can be withdrawn after investment is completed, thereby realizing full life cycle management and orderly flow of capital.
[0035] It should be noted that the descriptions of the same steps and contents as in other embodiments in this embodiment can be found in the descriptions in other embodiments, and will not be repeated here.
[0036] This application provides a method for online transactions. Foreign currency is converted into platform vouchers for internal circulation within the system. These vouchers can be used to price goods and services, as well as for shopping transactions and investments. This facilitates price comparisons and unified international settlements, avoiding cumbersome currency exchange processes, reducing exchange losses, and significantly improving the efficiency of purchasing goods and services from around the world. Users can select investment income / expenses and investment rewards through the user interface, and use these vouchers to select target companies from the platform's registered financing enterprise database for principal-protected investments. In other words, investment and transactions are combined, making investment a part of daily life and transforming spending money into earning money. This greatly reduces consumption costs, investment costs, and barriers to entry. Furthermore, the platform uses blockchain to store various information, ensuring fast, tamper-proof, secure, and reliable processing. Finally, platform vouchers from completed shopping transactions and investments can be converted into foreign currency, thus achieving full lifecycle management and orderly flow of capital, making it highly efficient and convenient.
[0037] In another aspect, embodiments of this application provide a computer device that may include a processor and a memory. The memory stores at least one instruction, at least one program, code set, or instruction set, which is loaded and executed by the processor to implement the steps of the network transaction method corresponding to the embodiment of FIG5.
[0038] In another aspect, embodiments of this application provide a computer-readable storage medium for storing program code for executing any one of the implementation methods of the network transaction method corresponding to the aforementioned embodiment of FIG5.
[0039] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and modules described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.
[0040] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative. For instance, the division of modules is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple modules or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed between each other can be through some interfaces, indirect coupling or communication connection between devices or modules, and can be electrical, mechanical, or other forms. Modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, i.e., they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs.
[0041] Furthermore, the functional modules in the various embodiments of this application can be integrated into one processing unit, or each module can exist physically separately, or two or more units can be integrated into one module. The integrated unit can be implemented in hardware or as a software functional unit. If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium.
[0042] Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the network transaction methods of the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.
[0043] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.
[0044] This document uses specific examples to illustrate the principles and implementation methods of this application. The descriptions of the above embodiments are only for the purpose of helping to understand the methods and core ideas of this application. Furthermore, those skilled in the art will recognize that, based on the ideas of this application, there will be changes in the specific implementation methods and application scope. Therefore, the content of this specification should not be construed as a limitation of this application.
Claims
1. A network trading system that utilizes platform coupons for transaction rewards and investment, wherein, The online transaction system (1) includes: The online procurement platform (11) includes interconnected information registration interface (111), transaction income and expenditure investment interface (112), transaction reward investment interface (113), first exchange interface (114), and first storage interface (115); the information registration interface (111) is used to receive registration information input by the user on the operation interface, the registration information including buyer member information or seller member information; The transaction income and expenditure investment interface (112) is used to receive the transaction income and expenditure investment method selected by the user on the operation interface after successful user registration. The transaction income and expenditure investment method includes transaction income and expenditure investment or transaction income and expenditure no investment. If the transaction income and expenditure investment method is transaction income and expenditure investment, a pop-up window for the investment deadline agreement of the transaction income and expenditure investment voucher is displayed on the operation interface, and the user's selection result for the investment deadline agreement of the transaction income and expenditure investment voucher is received. The transaction income and expenditure investment voucher includes transaction income voucher and transaction expenditure voucher. The transaction reward investment interface (113) is used to receive the transaction reward investment method selected by the user on the operation interface after successful user registration. The transaction reward investment method includes transaction reward investment or transaction reward no investment. If the transaction reward investment method is transaction income and expenditure no investment, the user's selection result for the investment deadline agreement of the transaction income and expenditure investment voucher is displayed on the operation interface, and the user's selection result for the investment deadline agreement of the transaction income and expenditure investment voucher is received. If the investment method is transaction reward investment, a pop-up window will be displayed on the operation interface to show the investment return dividend agreement and investment deadline agreement of the transaction reward coupon, and the user's selection result of the investment return dividend agreement and investment deadline agreement of the transaction reward coupon will be received; the first exchange interface (114) is used to convert foreign currency into platform coupons according to the registration information, and the platform coupons are used for pricing of goods and services or shopping transactions and investments; the first storage interface (115) is used to store the registration information, the transaction income and expenditure investment method, the selection result of the investment deadline agreement of the transaction income and expenditure investment coupon, the transaction reward investment method, the selection result of the investment return dividend agreement and investment deadline agreement of the transaction reward coupon, and the conversion result of the platform coupon on the blockchain; The network investment and financing platform (12) is communicatively connected to the network procurement platform (11), and includes an investment selection interface (121), an investment and financing interface (122), a second exchange interface (123), and a second storage interface (124) that are interconnected. The investment selection interface (121) is used to display an investment method pop-up on the operation interface when the transaction income and expenditure investment method is transaction income and expenditure investment and / or the transaction reward investment method is transaction reward investment, and to receive the user's selection result of the investment method. The investment method includes individual independent investment or platform agency investment. The investment and financing interface (122) is used to screen target companies in the financing company database registered on the platform and to invest in the target companies using the platform vouchers. The platform vouchers include the transaction income and expenditure investment vouchers and the transaction reward vouchers. The second exchange interface (123) is used to convert the platform vouchers of the completed shopping transaction and investment into the foreign currency. The second storage interface (124) is used to store the selection result of the investment method, the screening result of the target company, and the conversion result of the foreign currency on the blockchain.
2. The online transaction system according to claim 1, wherein, The investment and financing interface (122) includes an interconnected financing submission sub-interface (1221) and profit sharing sub-interface (1222); The financing submission sub-interface (1221) is specifically used to receive the financing plan uploaded by the financing enterprise through the operation interface, and record the financing enterprise in the financing enterprise database after the financing plan is reviewed and publicized. The financing enterprise is a seller member of the online procurement platform (11). The profit sharing sub-interface (1222) is specifically used to use the total assets of the financing enterprise in the online procurement platform (11) as collateral, and allocate the platform vouchers to the investment members according to the investment amount and dividend amount in the financing plan. The total assets include the transaction income vouchers and transaction reward vouchers used by the financing enterprise as collateral, as well as the transaction income vouchers and transaction reward vouchers of the relevant persons of the financing enterprise. The total assets are greater than the investment amount and dividend amount in the financing plan or less than a preset proportion of the investment amount and dividend amount in the financing plan.
3. The online transaction system according to claim 2, wherein, The profit-sharing sub-interface (1222) is also specifically used to repay the investment members using the total assets if the financing company fails to allocate the platform coupons to the investment members according to the investment amount and dividend amount in the financing plan, and to record and display the default behavior of the financing company on the operation interface.
4. The online transaction system according to claim 1, wherein, The second exchange interface (123) includes a price valuation sub-interface (1231), which is specifically used to estimate the value of the platform's price based on anchor terms. The anchor terms include the platform's market value, the member group's gene testing score, the member group's education score, the member group's credit score, the member group's own enterprise credit score, and the member group's employed enterprise credit score.
5. The online transaction system according to claim 4, wherein, The second exchange interface (123) also includes a voucher trading sub-interface (1232) connected to the voucher valuation sub-interface (1231), and the voucher trading sub-interface (1232) is specifically used to transfer or sell the platform vouchers after the shopping transaction and investment are completed.
6. The online transaction system according to any one of claims 1 to 5, wherein, The transaction reward investment interface (113) includes interconnected seller transaction reward sub-interface (1131), buyer transaction reward sub-interface (1132), and platform transaction reward sub-interface (1133); The seller transaction reward sub-interface (1131) is specifically used to reward buyer members with transaction revenue coupons from seller members; the buyer transaction reward sub-interface (1132) is specifically used to reward seller members with transaction expenditure coupons from buyer members; the platform transaction reward sub-interface (1133) is specifically used to reward at least one of buyer members and seller members with transaction profit coupons from the platform, wherein the platform transaction profit coupons are derived from platform transaction commission coupons, platform investment dividend coupons, and platform market value overflow coupons.
7. The online transaction system according to claim 6, wherein, The platform transaction reward sub-interface (1133) is also specifically used to select buyer members who meet the first preset conditions from the transaction data of goods and services to receive coupon rewards. The first preset conditions include the transaction sequence number being before a preset position and / or the purchase volume not being less than a preset purchase volume threshold. It is also used to select seller members who meet the second preset conditions from the transaction data of goods and services to receive coupon rewards. The second preset conditions include the transaction volume not being less than a preset transaction volume threshold.
8. The online transaction system according to claim 6, wherein, The transaction reward investment interface (113) also includes a commission sub-interface (1134) connected to the platform transaction reward sub-interface (1133). The commission sub-interface (1134) is specifically used to reward the platform's transaction profit coupons to promotional members who share links and facilitate shopping transactions and investments through the platform transaction reward sub-interface (1133).