CN111861354A

CN111861354A - Novel business system and method for sharing benefits in community mutual assistance manner

Info

Publication number: CN111861354A
Application number: CN201910276755.7A
Authority: CN
Inventors: 范奕; 范靓
Original assignee: Shanghai Longying Ecological Technology Development Co ltd
Current assignee: Shanghai Longying Ecological Technology Development Co ltd
Priority date: 2019-04-08
Filing date: 2019-04-08
Publication date: 2020-10-30

Abstract

The embodiment of the invention provides a novel business system and method for sharing benefits in a community mutual-aid manner, and relates to the technical field of internet. The implementation is based on a new type of internet technology platform management system, which may consist of one or more sub-platform systems. The system comprises: the system comprises a user information management module, a talent management module, a shopping exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module. The mode can reduce the consumption cost of the community members, enable the members to share the welfare, also can increase the wealth value of the community and the members, improve the interactivity and viscosity of the community and the members, enable the community organization structure to operate efficiently, enable the economic strength of the community to be rapidly developed and enhanced, and has strong commercial competitiveness.

Description

Novel business system and method for sharing benefits in community mutual assistance manner

Technical Field

The invention relates to the technical field of Internet, in particular to a novel business system and a method for sharing benefits in a community mutual-aid manner;

background

In the current society, with the downward trend of the world economic development, the living environment of enterprises is greatly stressed, the operation cost of the enterprises is generally increased day by day, and the business income is difficult to generally increase. The economic condition is bad, so that most enterprises are greatly refereed, the loss rate is increased, and finally, the income of the masses is greatly reduced. However, the basic living costs of the people are higher and the living pressure is increasing. Under the background of large economic environment disadvantage, the situation that traditional enterprises fight against each other makes survival pressure larger, and the enterprises and the people are difficult to continue to live, and only when the enterprises and the people collaborate with each other, all resources are integrated for reasonable and efficient utilization, the enterprises can win together and benefit together.

The invention provides a novel business system and a method for sharing benefits in a community mutual-aid manner. Which comprises the following steps: the system comprises a user information management module, a talent management module, a commodity exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module.

Disclosure of Invention

The invention provides a novel business system and a method for sharing benefits in a community mutual-aid manner, wherein the method comprises the following steps: the system is realized by a user information management module, a talent management module, a commodity exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module;

after different users join the same community system by paying certain fees, the community comprehensively manages community resources and demands by establishing a novel platform management system based on the internet technology. The platform management system reduces the legal currency expenditure limit of the user during actual consumption through a circular consumption, comprehensive deduction and installments preference mechanism; namely, after a user adds a specific management platform system after paying a certain legal currency, the user can use a payment settlement system, wherein the payment settlement system comprises a legal currency and several specific virtual currencies; the user can combine the currencies in a user information management module, a talent management module, a commodity exchange module, an after-sales service module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream family module, a crowd funding or crowd casting module and a financial service module which are provided by a management platform according to a certain proportion to purchase or exchange commodities or services; in the exchange or purchase process, the virtual currency is used in stages to offset the effect of the actual legal currency expenditure amount, so that the actual legal currency expenditure amount of a user when purchasing commodities and services can be reduced, the comprehensive consumption cost of the user is reduced, and the platform is used as a welfare subsidy in a concessional mode. Because enterprises have higher autonomous activity and decision efficiency, if all people or organizations (enterprises) are integrated into a mutual-aid large alliance group, namely a large alliance group, the common requirements of the people or organizations (enterprises) are integrated together to be solved and processed. Meanwhile, the quantity advantage of the number of the members in the community and the respective capacity and resource advantage of the members in the community are exerted, then rapid internal management and regulation are carried out through the same operation platform, and the advantageous resources are integrated, optimized and redistributed to be efficiently utilized. The novel economic and business management mode can lead the business competition to be ordered, the business layout to be reasonable and diversified and the business development to be sustainable. Meanwhile, more entrepreneurial opportunities and employment opportunities and more wealth appreciation opportunities can be provided for members. The new mode community can continuously create more social wealth values, managers (operation enterprises) of the community can subsidize created huge wealth to enterprises and personal members of the community in various modes, common living cost, entrepreneurial cost and operation cost of the members are reduced, wealth of all the members is increased, and the effect of sharing welfare is achieved.

Compared with the traditional commercial consumption mode, the invention has the following advantages: the manpower, financial resources and material resources of the community members can be rapidly concentrated, the utilization rate of community resources is improved, the operation cost of the community members is greatly reduced, the welfare treatment of the community members is greatly increased, the attraction of the community to the members is increased, the repurchase rate of commodities in a shopping mall under a community platform can be improved, the sales volume of the commodities is improved, the popularity and the flow of the community platform are increased, the wealth appreciation of the community and the members can be increased, the interactivity and the viscosity of the community and the members are improved, the community organization structure can be operated efficiently, the service quality is improved, the economic strength of the community can be rapidly developed, the large scale of enhancement is realized, and the commercial competitiveness is strong.

In order to achieve the above purpose, the embodiment of the present invention adopts the following technical solutions:

in a first aspect, an embodiment of the present invention provides a novel business system for community-aided welfare sharing, which includes:

the user information management module: providing a user information comprehensive management system; talent management module: providing a human resource integrated management system; the commodity exchange module: providing a commodity exchange integrated management system which has the function of exchanging articles or services with legal currency or virtual digital currency and provides an online commodity shopping and online shop management system for buyers and sellers; the user order comprehensive management module: providing a system for the system management personnel to comprehensively manage all user orders; an after-sale service module: providing a comprehensive management system for commodity after-sale service; the service provider management module: providing an integrated management system for managing the commodity suppliers and the commodity sponsors; and a payment settlement module: providing a virtual digital currency integrated management system for transactions between sellers and buyers; welfare mall module: providing a commodity exchange integrated management system having a function of exchanging legal currency or virtual digital currency for a specific special article or service, and providing an online commodity shopping and online shop management system for buyers and sellers; a user welfare module: providing a comprehensive management system of user welfare projects; a communication social module: providing a user communication integrated management system; a mutual aid and mutual aid module: providing a comprehensive management system for mutual help among users; dream home module: providing a comprehensive management system for realizing personal or family requirements of users; crowd funding or crowd casting module: providing a comprehensive management system for crowd funding or crowd investing; the financial service module: an integrated management system for providing financial services to customers is provided.

Further, the user information management module: the method comprises the steps of inquiring, inputting, deleting and changing personal and enterprise user basic information, transaction information, user grades and user permissions; the user basic information includes: the user name, the user nickname, the login password, the user head portrait and the user system number; the transaction information comprises user purchase history record details and transaction data analysis; the user classes include: user member level, user transaction level, user mutual aid level and user professional skill level; the user information management module further comprises: an entrance management unit for storing and managing user information, performing a predetermined authentication process to discriminate whether the user information matches authentication information input by a user; the portal management unit includes: a web user module for storing and managing user information transmitted through a web connected to the wired terminal; and a mobile subscriber module for storing and managing subscriber information joined through data communication of the wireless terminal; the mobile subscriber module adding a service management number to a telephone number of the wireless terminal among a large amount of subscriber information transmitted from the wireless terminal; the user information of the wired terminal includes a web ID/password and a user identification number; the user information of the wireless terminal includes a phone number of the wireless terminal and model information of the wireless terminal;

Further, the talent management module: the human resource management system is used for information management and talent management of social talents, and comprises the functions of information inquiry, information modification, information storage, information deletion, talent recruitment, talent registration, talent scheduling, talent job level management, talent job management and talent training management;

further, the goods exchange module: the system comprises a commodity recommendation module, a code scanning function module, a buyer user information code module, a seller user information code module, a commodity search module and a classification module for clothes, food, live, lines and various industry service options; each module has a corresponding functional block, which can help the buyer user to quickly inquire and search the information of merchants and commodities of various brands; the goods exchange module further comprises: the buyer user personal order management system can inquire, add, delete, confirm and change the commodity orders of the buyer users; the goods exchange module further comprises: the buyer user can check the real-time logistics information of the purchased goods or contact a logistics service provider at any time by the buyer user personal logistics information system; the goods exchange module further comprises: the seller shop and the shopping order management system can manage commodities of shops of the seller users and inquire, add, delete, confirm and change commodity sales orders;

Further, the user system order management module: providing a comprehensive management system of all user orders, which comprises the steps of inquiring, adding, deleting, confirming and changing the orders; the order comprehensive management system is used as a management system of a platform background and can monitor all orders in real time;

further, the after-sales service module: providing a comprehensive management system for commodity after-sale service; services including installation, return, replacement, consultation, complaints; and the platform provides corresponding after-sale service according to the transaction requirements of the user.

Further, the service manager management module: the system comprises commodity supplier information, recommended commodity information, referral service provider information, grade and inquiry, entry, deletion, change and confirmation of other information; the commodity supplier is specified by the community management department or generated by bidding; the sponsoring facilitator generates a team consisting of community members through self recommendation or is specified by a community management department or generated through bid inviting; the sponsoring facilitator is responsible for production quality supervision, logistics supervision and management of the corresponding commodities;

further, the payment settlement module: a virtual digital money management system is provided, including a plurality of virtual digital money settlement systems; the virtual currency refers to non-real currency and comprises all types of virtual currency defined by national laws, such as game currency, consumption point coupons, shopping coupons, discount coupons, red packets, platform points and network virtual currency; one virtual currency is generated by recharging legal currency according to a certain proportion, and the other virtual currencies are generated by the platform management system and are given to the user according to specific conditions; the virtual currencies can be mutually converted according to a certain proportion; the module further includes a settlement system between legal currency and the specific virtual currency, a settlement system between a plurality of virtual currencies, and a settlement system between a plurality of virtual currencies and goods and services; after the user confirms the commodity order, the user can use the specific virtual currencies to combine the several specific virtual currencies according to a certain proportion for exchanging or purchasing the settlement process of the commodities or the services provided by the mall system;

Further, the payment settlement module also comprises a circulating consumption and comprehensive deduction mechanism; after the user exchanges or purchases goods or services in the platform mall, the platform payment system deducts the corresponding amount of the specific virtual currency; then the platform gives other several kinds of specific virtual currencies according to a certain proportion of the amount of the deducted specific virtual currencies; the other given specific virtual currency can offset the actual consumption expense limit of the goods or the services according to a certain limit when the user exchanges or purchases other goods or services provided by the platform mall;

further, the payment settlement module also comprises an installment preferential mechanism; it is characterized by discount offers: after the user conducts transaction or exchange behaviors on the platform, the platform gives rewards of one or more specific virtual currencies; the virtual money awarded can deduct the consumption amount of other money according to a certain amount by stages; the staging offer further comprises a rebate offer: the method comprises the steps of returning legal currency, returning virtual currency such as points and the like, or returning coupons and the like, and can be redeemed by stages; the installment offer further includes an item reward: including awarding physical or virtual items that may be redeemed by stages; the installment offer further includes a service reward: including awarding real or virtual services, which can be redeemed by stages;

Furthermore, the payment settlement module also comprises a user member grade payment settlement system, and the user obtains the corresponding member grade after paying the legal currency with a certain amount;

further, the welfare mall module: the system comprises a commodity recommendation module, a code scanning function module, a buyer user information code module, a seller user information code module, a commodity search module and a classification module for clothes, food, live, lines and various industry service options; each module has a corresponding functional block, which can help the buyer user to quickly inquire and search the information of merchants and commodities of various brands; the welfare mall module further comprises: the buyer user personal order management system can inquire, add, delete, confirm and change the commodity orders of the buyer users; the welfare store module also comprises a personal logistics information system of the buyer user, and the buyer user can check the real-time logistics information of the purchased commodity or contact a logistics service provider at any time; the user can select the required goods in the welfare store module and then exchange and settle accounts by legal currency or virtual digital currency according to a certain proportion; the welfare mall payment settlement system adopts the circular consumption mechanism; after the user exchanges or purchases goods or services in the platform mall, the platform payment system deducts the corresponding legal currency or the amount of the specific virtual currency; the platform awards another or several special virtual currencies according to a certain proportion of the amount of the deducted currency; the welfare mall module further comprises: the seller shop and the shopping order management system can manage commodities of shops of the seller users and inquire, add, delete, confirm and change commodity sales orders;

Further, the user welfare module: providing various welfare services including staff assistance planning service, counseling service, education assistance planning service, child care assistance service, elderly care service, catering service, health service, entertainment service, cultural and sports travel service, staff accommodation facility service, transportation service, financial service; the staff assistance plan service comprises a basic life need service for solving difficult group crowds; the consultation service comprises a consultation service for providing individual and enterprise customization requirements; the education assistance plan service includes providing education subsidies, constructing new education facilities, and creating a one-stop education mode service; the child care help service comprises building a child care place and providing special care for families with requirements, wherein the special care comprises preschool child care service and late work care service after school children are released; the elderly care service comprises the construction of facilities such as a senior citizen's home and the like, and the recruitment of volunteers to help the elderly with the need; the food service comprises creating a national enterprise dining room, a famous kitchen dining room, a private house dish and a special food service, and encouraging the individuation and diversification of food and drink; the health service comprises providing personal health consultation, health examination and medical service, and providing air detection and improvement service of family living environment; the entertainment service comprises services providing various entertainment forms, novel entertainment form services based on high and new technologies are developed, a recreation and entertainment commercial center is newly built, shopping, catering and entertainment are integrated, and a large-scale online game is created by utilizing AR, VR and holographic technologies; the cultural and sports tourism service comprises the steps of integrating the existing market resources and developing new projects, and providing customized personalized service; the member accommodation facility service comprises a newly-built member welfare housing system service; the transportation service comprises a newly-built welfare transportation system service; the financial service comprises providing financial consultation, financial management and personal customized financial service; all service payment settlement modes related in the user welfare module can adopt mechanisms of circular consumption, comprehensive deduction and installments;

Further, the communication social module: providing a communication management system; communication and social functions between users and platforms, between users, within user groups, between user groups are realized in a traditional way or by VR, AR, holographic technology and equipment; the method comprises the steps that a user sends a communication request to a platform central communication processor or a sub-processor through special equipment, the processor carries out requirement classification processing after receiving the user request, then communication is started according to equipment port signals of users communicating with corresponding requirements of the user, and meanwhile, communication timing is started through user port equipment;

further, the mutual assistance and mutual assistance module: providing a user demand management platform; the user can put forward the personal demand through the platform, the platform classifies according to the user demand, then other users can choose the personal demand project to put forward the solution or provide the solution service to it in different classification demand projects, after the user of the request side confirms to adopt the solution or service, the system rewards the legal currency or virtual currency to the user providing help; the mutual assistance and mutual assistance module also comprises an accurate search matching system provided by the platform system, so that a target object can be found after requirements provided by a user are accurately matched, and the requirements of merchants and the user are met in an information service and subpackage requirement mode after an order is received, so that the time and the energy are greatly saved; the mutual help and mutual help module also comprises an advertisement service platform system which carries out advertisement propaganda by setting up an advertisement reach match; the advertisement Daidan race sets a merchant advertisement question bank and a question-answering system, specific legal currency or virtual currency or credit reward can be obtained according to the correct number of user answers, a day, week, month, season and year tournament is set up, personal and group events are set up, personal and group rewards are set up, the grand prize race can be held together with a television station or network media, and synchronous on-site and off-site answer activities are set up and are awarded to the specific legal currency or virtual currency or credit.

Further, the dream home module: providing a system management platform, wherein a user puts forward personal or family demands in a certain way, and the platform realizes the demands in a way of mutually rewarding legal currency or virtual currency of a specific type; the system awards a particular type of legal or virtual currency to the users participating in the mutual aid.

Further, the crowd funding or crowd investing module: providing a crowd funding or crowd investment management system; the method comprises commercial project crowd funding or crowd investment and public welfare project crowd funding or crowd investment; the crowd funding or crowd investing step comprises the following steps: a user pays a certain fee to join a specific management system and then obtains several types of mutually exchangeable virtual currencies; after the crowd funding or crowd investment participation user completes the mutual-aid crowd funding or crowd investment activities, several value-added modes can be obtained; the value-added mode comprises that the management platform rewards a plurality of specific virtual currencies or legal currencies of specific quota, or rewards a certain number of specific coupons or consumption coupons, or rewards specific actual or virtual articles, or rewards specific actual or virtual service items; crowd funding or crowd throwing the participating users can consume a certain amount of virtual currency to deduct a certain amount of actual consumption amount or exchange commodities or services through a platform; the virtual currency can also be converted into legal currency through the platform payment and settlement module; initiating a user to obtain crowd funding or crowd invested funds after the crowd funding or crowd investing is successful; the crowd funding or crowd investment management platform can increase the wealth value through collecting crowd funding or crowd investment management fees or other forms;

Further, the financial services module: providing financial information consulting service, financial management service, securities, fund, futures, insurance, loan-melting and investment management services.

Further, the financial service module further comprises: the system comprises an information processing center, a project information publishing module, a fund raising module, an information security module, a successful project management module, a failed project management module and a service fee management module; the project information publishing module, the fund raising module, the information security module, the successful project management module, the failed project management module and the service fee management module are all in signal connection with the financial and financial information processing center.

Further, the information security module includes: a packaging engine arranged to package a digital resource, wherein the packaging engine is arranged to associate one or more rules with the digital resource and to associate a set of one or more computations with the digital resource, the rules corresponding to one or more conditions for accessing a digital resource, the computations comprising computer-readable instructions that operate on the digital resource to provide a particular view of a digital resource that is different from the digital resource; an end-user device operable to retrieve and render the digital resource, wherein the user device comprises a digital rights management engine arranged to evaluate rules associated with the digital resource and to enforce terms therein, and to operate on the digital resource with the computer-readable instructions to provide access to a derivative of the digital resource, wherein the computing, when applied to the digital resource, produces a limited view of the digital resource from which it is not possible to recreate the digital resource.

Further, the digital rights management engine includes: database server, metadata device, DRM file packaging program downloading device, user authority device, key pair generating device, DRM file packaging device, digital media file right authentication device, digital certificate device and digital media file playing device; the database server is used for storing key pair information, digital media metadata, digital media right information, user right information, client right information, digital certificate issuing information, user access and interaction information and platform operation related metadata; the metadata device is used for processing the metadata of the digital media, generating a metadata uniform identifier or storing corresponding metadata information in a database server; the DRM file packaging program downloading device is used for providing a device for deploying DRM file packaging program installation software and downloading the DRM file packaging program installation software for a client; the user right device records the user right allowing the DRM packaging program to perform DRM encryption processing on the digital media file; said key pair generating means, means for generating a key pair using a DRM key generation tool, said key pair generating means comprising a private key and a public key; the DRM file packaging device is used for performing DRM packaging on the digital media file, and a DRM key pair used in the packaging process is obtained from the key pair generating device; the digital media file right authentication device is used for authenticating the access right of a digital media file user; the device judges the scope and validity of the right according to the right condition of the user, and then informs the digital certificate device of what kind of digital certificate is sent to the user equipment; the digital certificate device is used for generating a digital certificate according to the right content and the range determined by the right authentication device and issuing the digital certificate to the digital media file playing device; the digital media file playing device is used for playing the digital media file.

In a second aspect, a novel business system and method for corporate mutual assistance for welfare sharing, the method comprising: the system is realized by a user information management module, a talent management module, a commodity exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module; after different users join the same community system by paying certain fees, the community comprehensively manages community resources and demands by establishing a novel platform management system based on the internet technology. The platform management system reduces the legal currency expenditure limit of the user during actual consumption through a circular consumption, comprehensive deduction and installments preference mechanism; namely, after a user adds a specific management platform system after paying a certain legal currency, the user can use a payment settlement system, wherein the payment settlement system comprises a legal currency and several specific virtual currencies; the user can combine the currencies in a user information management module, a talent management module, a commodity exchange module, an after-sales service module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream family module, a crowd funding or crowd casting module and a financial service module which are provided by a management platform according to a certain proportion to purchase or exchange commodities or services; in the exchange or purchase process, the virtual currency is used in stages to offset the effect of the actual legal currency expenditure amount, so that the actual legal currency expenditure amount of a user when purchasing commodities and services can be reduced, the comprehensive consumption cost of the user is reduced, and the platform is used as a welfare subsidy in a concessional mode. Because enterprises have higher autonomous activity and decision efficiency, if all people or organizations (enterprises) are integrated into a mutual-aid large alliance group, namely a large alliance group, the common requirements of the people or organizations (enterprises) are integrated together to be solved and processed. Meanwhile, the quantity advantage of the number of the members in the community and the respective capacity and resource advantage of the members in the community are exerted, then rapid internal management and regulation are carried out through the same operation platform, and the advantageous resources are integrated, optimized and redistributed to be efficiently utilized. The novel economic and business management mode can lead the business competition to be ordered, the business layout to be reasonable and diversified and the business development to be sustainable. Meanwhile, more entrepreneurial opportunities and employment opportunities and more wealth appreciation opportunities can be provided for members. The new mode community can continuously create more social wealth values, managers (operation enterprises) of the community can subsidize created huge wealth to enterprises and personal members of the community in various modes, common living cost, entrepreneurial cost and operation cost of the members are reduced, wealth of all the members is increased, and the effect of sharing welfare is achieved.

In order to make the aforementioned objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below;

drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention, and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts;

FIG. 1 is a system diagram illustrating a business system of a new community-based collaborative sharing of benefits according to an embodiment of the present invention;

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments; the components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations; thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention; all other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention;

it should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures; meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance;

Example 1:

as shown in fig. 1, a novel business system for community-assisted welfare sharing specifically includes:

the embodiment of the invention provides a novel business system for sharing benefits in a community mutual-aid manner, which comprises: the user information management module: providing a user information comprehensive management system; talent management module: providing a human resource integrated management system; the commodity exchange module: providing a commodity exchange integrated management system which has the function of exchanging articles or services with legal currency or virtual digital currency and provides an online commodity shopping and online shop management system for buyers and sellers; the user order comprehensive management module: providing a system for the system management personnel to comprehensively manage all user orders; an after-sale service module: providing a comprehensive management system for commodity after-sale service; the service provider management module: providing an integrated management system for managing the commodity suppliers and the commodity sponsors; and a payment settlement module: providing a virtual digital currency integrated management system for transactions between sellers and buyers; welfare mall module: providing a commodity exchange integrated management system having a function of exchanging legal currency or virtual digital currency for a specific special article or service, and providing an online commodity shopping and online shop management system for buyers and sellers; a user welfare module: providing a comprehensive management system of user welfare projects; a communication social module: providing a user communication integrated management system; a mutual aid and mutual aid module: providing a comprehensive management system for mutual help among users; dream home module: providing a comprehensive management system for realizing personal or family requirements of users; crowd funding or crowd casting module: providing a comprehensive management system for crowd funding or crowd investing; the financial service module: an integrated management system for providing financial services to customers is provided.

Example 2: a novel business method for community-assisted welfare sharing, the method comprising: the system is realized by a user information management module, a talent management module, a commodity exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module; after different users join the same community system by paying certain fees, the community comprehensively manages community resources and demands by establishing a novel platform management system based on the internet technology. The platform management system reduces the legal currency expenditure limit of the user during actual consumption through a circular consumption, comprehensive deduction and installments preference mechanism; namely, after a user adds a specific management platform system after paying a certain legal currency, the user can use a payment settlement system, wherein the payment settlement system comprises a legal currency and several specific virtual currencies; the user can combine the currencies in a user information management module, a talent management module, a commodity exchange module, an after-sales service module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream family module, a crowd funding or crowd casting module and a financial service module which are provided by a management platform according to a certain proportion to purchase or exchange commodities or services; in the exchange or purchase process, the virtual currency is used in stages to offset the effect of the actual legal currency expenditure amount, so that the actual legal currency expenditure amount of a user when purchasing commodities and services can be reduced, the comprehensive consumption cost of the user is reduced, and the platform is used as a welfare subsidy in a concessional mode. Because enterprises have higher autonomous activity and decision efficiency, if all people or organizations (enterprises) are integrated into a mutual-aid large alliance group, namely a large alliance group, the common requirements of the people or organizations (enterprises) are integrated together to be solved and processed. Meanwhile, the quantity advantage of the number of the members in the community and the respective capacity and resource advantage of the members in the community are exerted, then rapid internal management and regulation are carried out through the same operation platform, and the advantageous resources are integrated, optimized and redistributed to be efficiently utilized. The novel economic and business management mode can lead the business competition to be ordered, the business layout to be reasonable and diversified and the business development to be sustainable. Meanwhile, more entrepreneurial opportunities and employment opportunities and more wealth appreciation opportunities can be provided for members. The new mode community can continuously create more social wealth values, managers (operation enterprises) of the community can subsidize created huge wealth to enterprises and personal members of the community in various modes, common living cost, entrepreneurial cost and operation cost of the members are reduced, wealth of all the members is increased, and the effect of sharing welfare is achieved.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways; the apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention; in this regard, each block in the flowchart or block diagrams may represent a unit, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s); it should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures; for example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved; it will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions;

In addition, each functional unit in each embodiment of the present invention may be integrated together to form an independent part, or each unit may exist alone, or two or more units may be integrated to form an independent part;

the functions, if implemented in the form of software functional units and sold or used as independent products, may be stored in a computer-readable storage medium; based on such understanding, the technical solution of the present invention or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention; and the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a Read-only memory (ROM, Read-Onl8 memory 8), a Random Access memory (RAM, Random Access memory 8), a magnetic disk or an optical disk;

it is to be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions; also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus; without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element;

The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and it will be apparent to those skilled in the art that various modifications and variations can be made in the present invention; any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present invention shall be included in the protection scope of the present invention; it should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.

Claims

1. A novel corporate mutual aid welfare sharing business system, comprising:

2. The novel corporate-assisted welfare sharing business system of claim 1, wherein the user information management module: the method comprises the steps of inquiring, inputting, deleting and changing personal and enterprise user basic information, transaction information, user grades and user permissions; the user basic information includes: the user name, the user nickname, the login password, the user head portrait and the user system number; the transaction information comprises user purchase history record details and transaction data analysis; the user classes include: user member level, user transaction level, user mutual aid level and user professional skill level; the user information management module further comprises: an entrance management unit for storing and managing user information, performing a predetermined authentication process to discriminate whether the user information matches authentication information input by a user; the portal management unit includes: a web user module for storing and managing user information transmitted through a web connected to the wired terminal; and a mobile subscriber module for storing and managing subscriber information joined through data communication of the wireless terminal; the mobile subscriber module adding a service management number to a telephone number of the wireless terminal among a large amount of subscriber information transmitted from the wireless terminal; the user information of the wired terminal includes a web ID/password and a user identification number; the user information of the wireless terminal includes a phone number of the wireless terminal and model information of the wireless terminal; the talent management module: the human resource management system is used for information management and talent management of social talents, and comprises the functions of information inquiry, information modification, information storage, information deletion, talent recruitment, talent registration, talent scheduling, talent job level management, talent job management and talent training management; the user can inquire the required talent data according to the skill classification in the talent management module, or issue the recruitment information and the recording information of the skilled talent; the commodity exchange module: the system comprises a commodity recommendation module, a code scanning function module, a buyer user information code module, a seller user information code module, a commodity search module and a classification module for clothes, food, live, lines and various industry service options; each module has a corresponding functional block, which can help the buyer user to quickly inquire and search the information of merchants and commodities of various brands; the goods exchange module further comprises: the buyer user personal order management system can inquire, add, delete, confirm and change the commodity orders of the buyer users; the goods exchange module further comprises: the buyer user can check the real-time logistics information of the purchased goods or contact a logistics service provider at any time by the buyer user personal logistics information system; the goods exchange module further comprises: the seller shop and the shopping order management system can manage commodities of shops of the seller users and inquire, add, delete, confirm and change commodity sales orders; the user system order management module: providing a comprehensive management system of all user orders, which comprises the steps of inquiring, adding, deleting, confirming and changing the orders; the order comprehensive management system is used as a management system of a platform background and can monitor all orders in real time; the after-sales service module: providing a comprehensive management system for commodity after-sale service; service options including installation, return, replacement, consultation, complaints; the platform provides corresponding after-sale service according to the transaction requirements of the user; the service provider management module: the system comprises commodity supplier information, recommended commodity information, referral service provider information, grade and inquiry, entry, deletion, change and confirmation of other information; the commodity supplier is specified by the community management department or generated by bidding; the sponsoring facilitator generates a team consisting of community members through self recommendation or is specified by a community management department or generated through bid inviting; the sponsoring facilitator is responsible for production quality supervision, logistics supervision and management of the corresponding commodities; the payment settlement module: a virtual digital money management system is provided, including a plurality of virtual digital money settlement systems; the virtual currency refers to non-real currency and comprises all types of virtual currency defined by national laws, such as game currency, consumption point coupons, shopping coupons, discount coupons, red packets, platform points and network virtual currency; one virtual currency is generated by recharging legal currency according to a certain proportion, and the other virtual currencies are generated by the platform management system and are given to the user according to specific conditions; the virtual currencies can be mutually converted according to a certain proportion; the module further includes a settlement system between legal currency and the specific virtual currency, a settlement system between a plurality of virtual currencies, and a settlement system between a plurality of virtual currencies and goods and services; after the user confirms the commodity order, the user can use the specific virtual currencies to combine the several specific virtual currencies according to a certain proportion for exchanging or purchasing the settlement process of the commodities or the services provided by the mall system; the payment settlement module also comprises a cyclic consumption and comprehensive deduction mechanism; after the user exchanges or purchases goods or services in the platform mall, the platform payment system deducts the corresponding amount of the specific virtual currency; then the platform gives other several kinds of specific virtual currencies according to a certain proportion of the amount of the deducted specific virtual currencies; the other given specific virtual currency can offset the actual consumption expense limit of the goods or the services according to a certain limit when the user exchanges or purchases other goods or services provided by the platform mall; the payment settlement module also comprises a staged discount mechanism; it is characterized by discount offers: after the user conducts transaction or exchange behaviors on the platform, the platform gives rewards of one or more specific virtual currencies; the virtual money awarded can deduct the consumption amount of other money according to a certain amount by stages; the staging offer further comprises a rebate offer: including returning legal currency, or returning virtual currency of points, or returning coupons, which can be redeemed in stages; the installment offer further includes an item reward: including awarding physical or virtual items that may be redeemed by stages; the installment offer further includes a service reward: including awarding real or virtual services, which can be redeemed by stages; the payment settlement module also comprises a user member grade payment settlement system, and the user obtains the corresponding member grade after paying legal currency with a certain amount; the welfare mall module: the system comprises a commodity recommendation module, a code scanning function module, a buyer user information code module, a seller user information code module, a commodity search module and a classification module for clothes, food, live, lines and various industry service options; each module has a corresponding functional block, which can help the buyer user to quickly inquire and search the information of merchants and commodities of various brands; the welfare mall module further comprises: the buyer user personal order management system can inquire, add, delete, confirm and change the commodity orders of the buyer users; the welfare store module also comprises a personal logistics information system of the buyer user, and the buyer user can check the real-time logistics information of the purchased commodity or contact a logistics service provider at any time; the user can select the required goods in the welfare store module and then exchange and settle accounts by legal currency or virtual digital currency according to a certain proportion; the welfare mall payment settlement system adopts the circular consumption mechanism; after the user exchanges or purchases goods or services in the platform mall, the platform payment system deducts the corresponding legal currency or the amount of the specific virtual currency; the platform awards another or several special virtual currencies according to a certain proportion of the amount of the deducted currency; the welfare mall module further comprises: the seller shop and the shopping order management system can manage commodities of shops of the seller users and inquire, add, delete, confirm and change commodity sales orders; the user welfare module: providing various welfare services including staff assistance planning service, counseling service, education assistance planning service, child care assistance service, elderly care service, catering service, health service, entertainment service, cultural and sports travel service, staff accommodation facility service, transportation service, financial service; the staff assistance plan service comprises a basic life need service for solving difficult group crowds; the consultation service comprises a consultation service for providing individual and enterprise customization requirements; the education assistance plan service includes providing education subsidies, constructing new education facilities, and creating a one-stop education mode service; the child care help service comprises building a child care place and providing special care for families with requirements, wherein the special care comprises preschool child care service and late work care service after school children are released; the elderly care services include construction of a senior citizen's home facility, recruitment of volunteers to help the elderly services in need; the food service comprises creating a national enterprise dining room, a famous kitchen dining room, a private house dish and a special food service, and encouraging the individuation and diversification of food and drink; the health service comprises providing personal health consultation, health examination and medical service, and providing air detection and improvement service of family living environment; the entertainment service comprises services providing various entertainment forms, novel entertainment form services based on high and new technologies are developed, a recreation and entertainment commercial center is newly built, shopping, catering and entertainment are integrated, and a large-scale online game is created by utilizing AR, VR and holographic technologies; the cultural and sports tourism service comprises the steps of integrating the existing market resources and developing new projects, and providing customized personalized service; the member accommodation facility service comprises a newly-built member welfare housing system service; the transportation service comprises a newly-built welfare transportation system service; the financial service comprises providing financial consultation, financial management and personal customized financial service; all service payment settlement modes related in the user welfare module can adopt mechanisms of circular consumption, comprehensive deduction and installments; the communication social module is used for: providing a communication management system; communication and social functions between users and platforms, between users, within user groups, between user groups are realized in a traditional way or by VR, AR, holographic technology and equipment; the method comprises the steps that a user sends a communication request to a platform central communication processor or a sub-processor through special equipment, the processor carries out requirement classification processing after receiving the user request, then communication is started according to equipment port signals of users communicating with corresponding requirements of the user, and meanwhile, communication timing is started through user port equipment; the mutual assistance and mutual assistance module: providing a user demand management platform; the user can put forward the personal demand through the platform, the platform classifies according to the user demand, then other users can choose the personal demand project to put forward the solution or provide the solution service to it in different classification demand projects, after the user of the request side confirms to adopt the solution or service, the system rewards the legal currency or virtual currency to the user providing help; the mutual assistance and mutual assistance module also comprises an accurate search matching system provided by the platform system, so that a target object can be found after requirements provided by a user are accurately matched, and the requirements of merchants and the user are met in an information service and subpackage requirement mode after an order is received, so that the time and the energy are greatly saved; the mutual help and mutual help module also comprises an advertisement service platform system which carries out advertisement propaganda by setting up an advertisement reach match; the advertisement Daidan race sets a merchant advertisement question bank and a question-answering system, specific legal currency or virtual currency or point reward can be obtained according to the correct number of answers of users, a day, week, month, season and year tournament is set up, personal and group events are set up, personal and group reward is set up, the grand prize race can be held together with a television station or network media, synchronous on-site and off-site answer activities are set up, and specific legal currency or virtual currency or point reward is given; the dream home module: providing a system management platform, wherein a user puts forward personal or family demands in a certain way, and the platform realizes the demands in a way of mutually rewarding legal currency or virtual currency of a specific type; the system awards a specific kind of legal currency or virtual currency to the users participating in the mutual aid; the crowd funding or crowd casting module: providing a crowd funding or crowd investment management system; the method comprises commercial project crowd funding or crowd investment and public welfare project crowd funding or crowd investment; the crowd funding or crowd investing step comprises the following steps: a user pays a certain fee to join a specific management system and then obtains several types of mutually exchangeable virtual currencies; after the crowd funding or crowd investment participation user completes the mutual-aid crowd funding or crowd investment activities, several value-added modes can be obtained; the value-added mode comprises that the management platform rewards a plurality of specific virtual currencies or legal currencies of specific quota, or rewards a certain number of specific coupons or consumption coupons, or rewards specific actual or virtual articles, or rewards specific actual or virtual service items; crowd funding or crowd throwing the participating users can consume a certain amount of virtual currency to deduct a certain amount of actual consumption amount or exchange commodities or services through a platform; the virtual currency can also be converted into legal currency through the platform payment and settlement module; initiating a user to obtain crowd funding or crowd invested funds after the crowd funding or crowd investing is successful; the crowd funding or crowd investment management platform can increase the wealth value through collecting crowd funding or crowd investment management fees or other forms; the financial service module: providing financial information consulting service, financial management service, securities, fund, futures, insurance, loan-melting and investment management services.

3. The novel corporate mutual aid welfare sharing business system of claim 2, wherein the financial services module further comprises: the system comprises an information processing center, a project information publishing module, a fund raising module, an information security module, a successful project management module, a failed project management module and a service fee management module; the project information publishing module, the fund raising module, the information security module, the successful project management module, the failed project management module and the service fee management module are all in signal connection with the financial and financial information processing center.

4. The novel welfare consumer business system of claim 3, wherein the information security module comprises: a packaging engine arranged to package a digital resource, wherein the packaging engine is arranged to associate one or more rules with the digital resource and to associate a set of one or more computations with the digital resource, the rules corresponding to one or more conditions for accessing a digital resource, the computations comprising computer-readable instructions that operate on the digital resource to provide a particular view of a digital resource that is different from the digital resource; an end-user device operable to retrieve and render the digital resource, wherein the user device comprises a digital rights management engine arranged to evaluate rules associated with the digital resource and to enforce terms therein, and to operate on the digital resource with the computer-readable instructions to provide access to a derivative of the digital resource, wherein the computing, when applied to the digital resource, produces a limited view of the digital resource from which it is not possible to recreate the digital resource.

5. The novel welfare consuming business system of claim 4, wherein the digital rights management engine comprises: database server, metadata device, DRM file packaging program downloading device, user authority device, key pair generating device, DRM file packaging device, digital media file right authentication device, digital certificate device and digital media file playing device; the database server is used for storing key pair information, digital media metadata, digital media right information, user right information, client right information, digital certificate issuing information, user access and interaction information and platform operation related metadata; the metadata device is used for processing the metadata of the digital media, generating a metadata uniform identifier or storing corresponding metadata information in a database server; the DRM file packaging program downloading device is used for providing a device for deploying DRM file packaging program installation software and downloading the DRM file packaging program installation software for a client; the user right device records the user right allowing the DRM packaging program to perform DRM encryption processing on the digital media file; said key pair generating means, means for generating a key pair using a DRM key generation tool, said key pair generating means comprising a private key and a public key; the DRM file packaging device is used for performing DRM packaging on the digital media file, and a DRM key pair used in the packaging process is obtained from the key pair generating device; the digital media file right authentication device is used for authenticating the access right of a digital media file user; the device judges the scope and validity of the right according to the right condition of the user, and then informs the digital certificate device of what kind of digital certificate is sent to the user equipment; the digital certificate device is used for generating a digital certificate according to the right content and the range determined by the right authentication device and issuing the digital certificate to the digital media file playing device; the digital media file playing device is used for playing the digital media file.

6. A business method for sharing benefits based on a new community mutual aid as claimed in any one of claims 1 to 5, said method comprising: the system is realized by a user information management module, a talent management module, a commodity exchange module, a user system order management module, an after-sale service module, a service provider management module, a payment settlement module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream home module, a crowd funding or crowd casting module and a financial service module; after different users join the same community system by paying certain cost, the community comprehensively manages community resources and requirements by establishing a novel platform management system based on the internet technology; the platform management system reduces the legal currency expenditure limit of the user during actual consumption through a circular consumption, comprehensive deduction and installments preference mechanism; namely, after a user adds a specific management platform system after paying a certain legal currency, the user can use a payment settlement system, wherein the payment settlement system comprises a legal currency and several specific virtual currencies; the user can combine the currencies in a user information management module, a talent management module, a commodity exchange module, an after-sales service module, a welfare mall module, a user welfare module, a communication social module, a mutual assistance and mutual assistance module, a dream family module, a crowd funding or crowd casting module and a financial service module which are provided by a management platform according to a certain proportion to purchase or exchange commodities or services; in the exchange or purchase process, the virtual currency can be used in stages to offset the expenditure limit of the actual legal currency, and the platform is used as a welfare subsidy in a concessional mode.