WO2015172628A1

WO2015172628A1 - Transaction commission accumulated currency value dispersion type profit distribution settlement system and method

Info

Publication number: WO2015172628A1
Application number: PCT/CN2015/077436
Authority: WO
Inventors: 门伯旭; 门利
Original assignee: 门伯旭
Priority date: 2014-05-13
Filing date: 2015-04-24
Publication date: 2015-11-19
Also published as: CN103955847A

Abstract

The present invention relates to a transaction commission accumulated currency value dispersion type profit distribution settlement system, which comprises a user side, a trading side, a transaction bill generating side, a data processing side, a parameter setting side, a currency value splitting side, a profit distribution settlement side, and a payment side. Profits generated from various types of commission are scientifically distributed to users on a platform in an accumulated and queuing mode by using an innovative and scientific currency value dispersion type calculation method, so that distribution of each sum of profits to consumers is conducted in a just and transparent system, and the consumers can learn about the profit distribution easily and experience an unprecedented new profit distribution mode brought by the network platform. An O2O trading mode for various types of commodities can be generated after online and offline interaction between merchants and the consumers, the consumers can enjoy the convenience and shopping enjoyment brought by online shopping and offline product experience, and various levels of profit distribution surprises can be continuously brought to the consumers while the consumers experience the Internet type innovative profit distribution mode brought by online and offline shopping.

Description

Transaction commission accumulative currency value discrete distribution settlement system and method

Technical field

The present application belongs to the field of administrative, commercial, and financial data processing systems or methods, and more particularly, to a transaction commission accumulative currency value discrete dividend distribution system and method.

Background technique

The transaction mainly refers to the exchange of values between the two parties in the form of currency. Since the use of currency by humans, there have been traditional forms of transactions; after entering the Internet era, there have been B2B (business-to-business), B2C (business-to-business), C2C (personal and personal), and O2O, Online. To Different concepts of e-commerce transactions such as Offline (online to offline). Regardless of the above-mentioned form of transaction, the provider of the product or service (referred to as the merchant, the merchant of the present invention should have a broad understanding, including the production enterprise, individual seller, large shopping mall, merchant operator, etc.) will face a large number of opponents. Competition, therefore, in order to attract and reward users to purchase their products or services, the merchants will give the middlemen (including the distribution system platform of the present invention), the recipients of products or services (referred to as users, the users of the present invention should do extensively The understanding, including individual consumers, corporate purchasers, government purchasers, etc., provides commissions, such as rebate commissions, commissions, etc., that is, merchants distribute some of their profits as commissions to intermediaries and users (hereinafter referred to as " "Distribution"), has become the norm in all kinds of transactions.

However, the obvious disadvantage of providing the intermediary commission is to increase the transaction cost of the user and damage the interests of the user. At the same time, when many merchants use the means of providing commission to promote sales, it will inevitably lead to a decrease in the profit of the merchants, because the products of various merchants are different in the purchase link, the production link, the warehouse, etc. The lower the cost, the better the advantage will be and the more attractive to consumers. Therefore, it is disadvantageous to both merchants and users.

Providing users with discounted goods or services on the surface can not only enhance the sales of the merchants, but also bring some benefits to the users. But in reality, in order to create greater profits, merchants or middlemen are discounted on the basis of the real value of their goods or services, so users do not get real benefits relative to the commission.

In addition, the direct selling company's business model only allocates high intermediate profit to all levels of intermediaries, and consumers only buy products at a price several times higher than the cost of the product, without any benefit. Business models can only bring huge benefits to consumers.

At present, merchants are not absolutely open and transparent relative to users, whether they use commissions or provide discounts. That is, the user cannot know the true value of the product or service that he or she purchased.

With the rapid development of the Internet, various types of Internet data processing systems are used. For example, the implementation methods of the classified websites represented by Taobao and ebay are only borrowing the methods used by offline traditional merchants to attract consumers to shop. There is no point in using such a discount method on the Internet. The traditional offline merchants add the cost of various links to the price of the commodity before the discount. For example, Taobao generates tens of millions of transactions every day, but different products have different prices and different discounts. Such huge transaction volume brings a huge amount of complex data, and the traditional profit discount method of traditional merchants can no longer satisfy consumers. Demand, and such a distribution method is nothing new, what consumers need is a brand new consumer experience. There are also various rebate network platforms. At present, there are more than 2,000 organizations in China that use “consumer rebates” as the mode of operation. The number of agents, merchants, and consumers participating in the consumer-sharing business model has exceeded 30 million. The number of participants is still expanding rapidly. For rebate nets, rebate time and rebate cycle are important. For example, some rebate websites currently have to accumulate 50 yuan to withdraw cash. Many consumers have to accumulate 50 yuan, which takes several months. There are also defects in the rebate website that need to jump between the rebate network and the classified web page.

Therefore, in the prior art, a distribution clearing system is expected, which can utilize the advantage of fairness and transparency of the Internet to newly distribute the profit of the merchant on the network platform, so that the user can clearly know the way the Internet is used to cancel the middle. The benefits of the link are to distribute these profits to consumers in a fair and transparent manner.

Summary of the invention

The first object of the present invention is to provide a transaction commission accumulative currency value discrete distribution settlement system and method, and to provide various forms of commissions provided by a merchant, such as intermediary commissions and rebate commissions, to the platform through the system scientifically. Users, let more users get more benefits than traditional distribution, bring the ultimate experience and more surprises to users.

The second object of the present invention is to utilize the advantages of fairness and transparency of the Internet to unify traditional business transactions, and e-commerce transactions of different concepts such as B2B, B2C, C2C, and O2O into a platform system, and distribute the profits provided by the merchants.

The third object of the present invention is to provide a queuing distribution system and a queuing distribution method, which can scientifically control the release amount and release rate of the distribution queue, and effectively enhance the number of queues. Gradually accumulate, and the resulting users who are behind the queuing are not timely or unable to share the problem.

A fourth object of the present invention is to provide a queuing distribution system and a queuing distribution method, which will rekindle the passion and pleasure of user consumption, and enable the merchants on the distribution settlement platform to greatly increase the viscosity of the user and consume again.

A fifth object of the present invention is to provide a transaction commission accumulative currency value discrete distribution settlement system and method, which can provide real-time, dynamic and intuitive queuing information to merchants and owners, so that the distribution process is more open and transparent.

The sixth object of the present invention is to provide a method for discriminating the cumulative value of the transaction commission accumulative currency value, which can be immediately distributed and the distribution period can be controlled.

The last object of the present invention is to provide a queuing distribution system and a queuing distribution method, which can be simultaneously applied to a commercial transaction conducted in a traditional offline store or an online online mall, and provides a modern consumption habit. And innovative commercial promotion means of demand.

Technical solution

In order to achieve the object of the present invention, the present invention provides a transaction commission accumulative currency value discrete dividend distribution system, comprising:

At least one client, each client including at least one cash account or a point account;

At least one transaction end, each transaction end includes a transaction settlement interface and an identity confirmation unit;

Wherein: the transaction settlement interface is used for the user to complete the transaction settlement; the identity confirmation unit communicates with the user end, and is used for confirming the identity of the user and extracting the account information of the user;

At least one transaction order generating end, each transaction order generating end includes a transaction order generating unit;

Wherein: the transaction order generating unit communicates with the settlement interface and the identity confirmation unit, and is configured to generate a transaction order associated with the user who confirms the identity and the transaction settlement interface;

At least one data processing end, each data processing end includes a data extracting unit, a profit acquiring unit, and a communication unit;

Wherein: the data extracting unit is in communication with the transaction order generating unit, and is configured to extract information in the transaction order;

The profit acquisition unit is connected to the data extraction unit, and is configured to calculate a profit distribution according to the information in the received transaction order according to the distribution discount; and then split the profit quota into two parts according to a preset ratio, that is, Reserved reserve profit distribution quota, used for queued profit distribution quota;

At least one parameter setting end, including a distribution term setting unit, an issue number allocation unit, and a cycle number setting unit;

Wherein: the distribution period setting unit is configured to provide a time interval and a start and end time of each period of distribution;

The period number allocation unit is configured to allocate a period number of the distribution;

The cycle number setting unit is configured to set a cycle number of queued distribution;

At least one currency splitting end, each currency splitting end includes a splitting unit and an exchange rate converting unit;

Wherein: the splitting unit is configured to split the queued profit amount into one or more split values according to a decimal value system;

The exchange rate conversion unit is connected to the communication unit and the splitting unit, and is configured to convert the non-settled currency currency value and the settlement currency value according to the exchange rate;

At least one distribution settlement end, each of the settlement ends includes a queuing unit, a current distribution judgment unit, a reservation distribution unit, a queuing distribution unit, and a fee calculation unit;

Wherein: the queuing unit is connected to the splitting unit, configured to add a new queuing number to the corresponding value queue according to the split value, and associate the new queuing number with the transaction order ;

The queuing distribution unit is configured to allocate to the nth queue of the queue when the number of the queuing number in the queue of each currency unit reaches n times of the number of cycles of the queuing distribution in the current distribution. Number of related transaction order buyers to distribute, where n is a natural number;

The current distribution judgment unit is connected to the queuing distribution unit, and is configured to determine whether the queuing number associated with the transaction order is distributed;

The reserved distribution unit is configured to reserve and distribute the queuing number that is determined by the current distribution judgment unit to be unable to obtain the queued distribution;

The fee calculation unit is configured to calculate a specific profit amount or a distribution profit point;

At least one payment terminal, each payment terminal includes a payment unit, and the payment unit is in communication with the fee calculation unit, the cash account or the point account, for importing the distribution points into the current In the point account of the user associated with the profit number, or used to transfer cash directly into the cash account.

Further, the transaction commission accumulating currency value discrete dividend settlement system of the present invention includes at least one main settlement server, and the parameter setting end, the currency value splitting end, the distribution profit settlement end, and the payment end are arranged in each of the cloud master settlements. On the server.

Preferably, the data processing terminal is also disposed on each of the master settlement servers.

In order to facilitate the offline user operation, the distribution settlement system of the present invention includes at least one settlement terminal, wherein the transaction order generation end is disposed on the settlement terminal.

As an improvement to the settlement terminal, the data processing terminal is also arranged on the settlement terminal.

Further improving the transaction commission cumulative currency value discrete dividend settlement system of the present invention,

The reservation distribution unit includes a reserved distribution subunit, a reserved distribution identity determination subunit, and a verification subunit;

Wherein: the reserved dividend-distribution identity judging unit is used for judging whether the eligibility for reserved dividends is available;

The reserved distribution sub-unit is configured to retrieve all information used for reserved distribution;

The verification subunit is connected to the reserved distribution unit and the database, and is used for retrieving the information of the queuing unit and the distribution unit in the database, and collating with the distribution number having the reserved distribution qualification;

The fee calculation unit includes a second fee calculation unit, and the second fee calculation unit is connected to the verification unit for calculating an actual distribution point or cash amount that needs to be specifically distributed;

The payment unit includes a second payment unit, and the second payment unit is coupled to the second fee calculation unit and is in communication with the cash account or the points account for importing the actual distribution points into the office The cash account or point account of the user associated with the current profit and loss number.

The present invention further optimizes the distribution clearing system of the present invention, the primary settlement server further includes a distribution mode selection unit, and a third fee calculation unit and a third distribution unit that implement a direct distribution function;

The distribution mode selection unit is connected to the distribution status determination unit, the entry point calculation unit, and the reservation distribution unit, and is configured to select a distribution method for a transaction order having a distribution qualification, The distribution method includes direct distribution and queuing and distribution;

The third fee calculation unit is connected to the distribution mode selection unit, and is configured to calculate the profit amount of the transaction order as the actual distribution profit point or directly enter the third distribution unit;

The third distribution unit is connected to the third fee calculation unit and is in communication with the cash account or the points account for importing the actual distribution points into the current distribution number. In the user's point account, or directly into the cash account.

The identity confirmation unit is a card reading device or a user login unit, and the user login unit includes an input user name, a password, and a security question.

In the distribution clearing system of the present invention, the transaction end further includes:

And redeeming the control unit, the redemption control unit is in communication with the point account for preventing the actual distribution points located in the point account from being transferred into the cash account within a second preset time.

The distribution clearing system of the present invention, wherein:

The distribution discount is in the range of 0.1%-99.9%;

The number of cycles is any natural number greater than one;

The fractional ratio is in the range of 0.1% to 99.9%;

The preset ratio is in the range of 0.1% to 99.9%;

The first preset time is 24 hours.

The fractional settlement system of the present invention, wherein: the distribution discount is 1.0-10.0%; the preset ratio is 30-70%; and the second preset time is 1 month.

Preferably, the number of current cycles in each queue is different, such as 5, 4, 3, 2, and 1, respectively.

The invention also provides a method for discrete distribution of transaction commission accumulative currency value, comprising the following steps:

Confirming the identity of the user via an identity confirmation unit connected to the transaction interface;

After confirming that the user of the identity starts the transaction at the transaction settlement interface, a transaction order associated with the user confirming the identity and the transaction data is generated;

Provide the time interval, start and end time, period number, and number of cycles for each period of profit;

Extracting information in the transaction order, calculating a profit amount according to a profit distribution discount; and dividing the queued profit amount into one or more split values according to a decimal value system;

Calculate the profit amount according to the profit-sharing discount for the transaction order that has the profit-making qualification;

Provide the choice of distribution method. When the direct distribution is selected, the distribution is directly calculated. However, when the queue is used for profit distribution, the profit distribution is divided into two parts according to the preset ratio, that is, the reserved distribution for the reserved distribution. A quota, a queuing profit quota for queuing and profiting;

Dividing the total distribution amount into one or more split values according to the decimal value system;

Adding a new queuing number to the corresponding value queue according to the split value, and associating the new queuing number with the transaction order;

Calculating a current distribution number of the value queue when the value queue is queued with the new queue number;

When the time interval of each period expires, according to the split value and the number of cycles extracted by the data extracting unit, the actual profit distribution or the cash distribution amount is calculated, and the condition is immediately distributed;

The profit-sharing number that cannot be queushed in the current period is calculated according to the reserved dividend amount associated with the current profit-sharing number, and the actual profit distribution points or cash distribution amount are calculated, and the conditions are immediately distributed;

The distribution points or the distribution cash amount are remitted into the point account or cash account associated with the current distribution number.

A further preferred method of the fractional settlement method of the present invention is further comprising the steps of:

The non-settled currency value is converted into the settlement currency value for queuing profit or reserve dividend, and the final dividend cash is converted into non-settled currency and remitted into the user's cash account.

The method for distributing dividends of the present invention further includes the steps of:

The actual split bonus points located in the points account are prevented from being transferred to the user's cash account during a second predetermined period of time.

The method for distributing dividends according to the present invention further includes the steps of: selecting a direct profit or a queue for profit distribution;

After selecting the direct distribution, the actual distribution points are transferred to the points account of the user associated with the current distribution number.

The method for distributing dividends of the present invention, wherein:

The distribution discount is in the range of 0.1%-99.9%;

The number of cycles is any natural number greater than one;

The period of each period is in the range of 1-30 days;

The first preset time is 24 hours.

The method for distributing dividends of the present invention, wherein:

The second preset time is one month.

Beneficial effect

The beneficial effect of the transaction commission accumulating currency value discrete dividend distribution system of the present invention is that

On the one hand, using innovative and scientific currency-discrete computing methods, the profits generated from various commissions (such as intermediary rebates) are scientifically distributed to the users of the platform in a cumulative and queuing manner, so that each pen is distributed to the consumers. The interests will be carried out under a fair and transparent system, so that the consumers can see at a glance, and the experience of the network platform will bring them a new profit distribution model. The discounts given by traditional merchants to consumers can no longer be resonated by consumers. The distribution method using the network service platform of the invention will rekindle the passion and pleasure of the user's consumption, and enables the merchant adopting the service platform to greatly increase the viscosity of the user and consume again.

In the second aspect, the distribution clearing platform of the invention breaks the single discount of the traditional merchants, and directly gives the consumer a rebate business model, and utilizes the advantage of the fairness and transparency of the Internet to create a platform service for the consumer without jeopardizing any interests of the consumer. A new distribution method for commission plus consumption rebate commission. This is a revolutionary innovation in the traditional discount and distribution business model. This business model can also be derived from many other Internet financial value-added services. Due to the extreme experience that the platform brings to users, users always pay attention to the website publishing. A kind of business information and distribution status, so the platform creates value all the time. The invention can distribute the profits to the consumers on the distribution clearing platform by different commodities in the huge complex data with different prices and the same discounts at different prices. As more users benefit from a scientific approach to profitability, the system also enables a virtuous circle of the entire ecosystem of merchants and users joining the platform.

In the third aspect, it is possible to truly realize the profit distribution of the merchant (that is, the profit of the merchant is redistributed to the user), instead of returning the profit (that is, returning the profit belonging to the user).

The network e-commerce of the present invention is a distribution platform for various businesses and various online and offline interactive and commodity transactions, and capable of improving user experience on products online and offline. . It completely changes some of the existing rebate websites with a traditional single rebate method, which enables merchants to achieve online and offline interactions to generate a variety of merchandise transactions, and also allows consumers to experience online shopping. The convenience of the offline product experience and the shopping pleasure can also enable consumers to experience the various levels of profit and surprise. The method of the invention distributes the profits generated by the merchant and the network platform to all the shopping consumers by using the profit accumulation and queuing method, and enables the consumers to achieve natural consumption and active consumption, instead of making the consumer offline through the direct selling method. Shopping is a passive consumption.

The platform of the invention mainly allows consumers to know that the profit of the goods here is transparent, for example, the merchant can only allocate a price difference of 20% for a commodity, according to the traditional distribution method, 10% of which It is the cost of the intermediary, and the other 10% is returned to the consumer, so that although the merchant gives up 20%, but only 10% to the consumer, and the patent platform uses the patent method of currency value splitting. And technology, adopting a cumulative and queuing method of profit distribution, so that some consumers can get 50%, forty, thirty, twenty, etc. from different distributions, so that consumers have continuous surprises, and If the company does not receive a high amount of profit within the stipulated time, the platform will replenish the agency commission of 10% of the agency commission. Create a profit-sharing service platform that gives all consumers no doubts.

DRAWINGS

1 is a schematic block diagram of a distribution settlement system according to Embodiment 1 of the present invention.

2 is a block diagram of a network architecture of a distribution and settlement system according to Embodiment 1 of the present invention.

3 is a block diagram of a network architecture of a distribution and settlement system according to Embodiment 3 of the present invention.

4 is a network architecture logic diagram of a cloud distribution and settlement system according to Embodiment 6 of the present invention.

FIG. 5 is a schematic block diagram of a distribution settlement system according to Embodiment 2 of the present invention.

6 is a schematic block diagram of a distribution settlement system according to Embodiment 3 of the present invention.

FIG. 7 is a schematic block diagram of a distribution settlement system according to Embodiment 5 of the present invention.

FIG. 8 is a schematic block diagram of a distribution settlement system according to Embodiment 6 of the present invention.

9 is a schematic block diagram of a redemption control system according to Embodiment 2 of the present invention.

FIG. 10 is a schematic flowchart diagram of a distribution settlement method of Embodiment 4.

11 is a schematic diagram of a queuing and distribution method of the distribution and settlement system of Embodiment 1.

FIG. 12 is a schematic diagram of a queuing and distribution method of the distribution and settlement system of Embodiment 1.

FIG. 13 is a schematic diagram of a reserved distribution method of the distribution and settlement system of Embodiment 1.

FIG. 14 is a schematic flowchart of a queuing and distribution part of the distribution and settlement method of the fourth embodiment.

FIG. 15 is a schematic flowchart of a queuing and distribution part of the distribution and settlement method of Embodiment 4.

FIG. 16 exemplarily shows a flowchart in which a user logs in to read distribution information according to a queuing distribution platform according to an embodiment of the present invention.

17 is a schematic flow chart of the distribution of the number of cycles in which the number of cycles in Embodiment 5 is not fixed.

Embodiments of the invention

Embodiment 1 Distribution and settlement system

As shown in FIG. 1 , a transaction commission accumulative currency value discrete dividend distribution system includes a transaction terminal 101, a client terminal 102, a transaction order generation terminal 103, a data processing terminal 104, a parameter setting terminal 105, a currency value splitting terminal 106, and a minute. The settlement terminal 107 and the payment terminal 108. As shown in FIG. 2, the user uses any of the locations of the distribution settlement system of the embodiment of the present invention, such as a user shopping at a high-end shopping mall 128a, or a house transaction through a house broker 128b, or a user in a traditional direct business. 128c cash or bank card payment, as long as the transaction is generated, the distribution system will open a cash account 109 and a point account 110 for the user. Continuing with the combination of FIG. 2, the primary settlement servers (135a, 135b, 135c) are respectively connected to the merchant's large data processing server 143, the settlement terminal 144, and the small data processing server 145, and the advanced shopping mall 128a can pass through the large data processing server 143. Data is provided to the primary settlement server 135a, and the home broker 128b can provide data via the handheld data settlement terminal 144, which can transmit data through the small data processing server 145. The mobile phone user 146, the PC user 147, the tablet user 148, and the legacy user 149 can all log in to the main settlement server page, wherein the traditional user 149 is the settlement service point 150 that provides the distribution settlement system service, and the staff of the settlement service point 150 act on behalf of Make transactions and settings.

Users can use cash or merchant-approved points to trade, and can transfer money account 109 or point account 110 to each other via a common electronic communication device such as a phone, smartphone, tablet or desktop computer. Related management. However, in general, based on the consideration of facilitating the user to conduct transactions with the user again, the distribution rules of the distribution system can be set to provide only points to the user's point account, rather than paying the cash directly to the user's cash account.

As shown in FIG. 1 , the transaction terminal 101 includes a transaction settlement interface 111 and an identity confirmation unit 112. The transaction settlement interface 111 is used for the user to complete transaction settlement. The identity confirmation unit 112 communicates with the client 102 for confirming the user identity and extracting the user. Account information; user identity confirmation can also be through contact magnetic stripe card, smart card, or contactless bar code card or proximity RF card, for users using the Internet, can require password, password, security question or other identity Confirm the measures to ensure the security of your account. The transaction settlement interface 111 may be all offline settlement counters, settlement scenarios, online settlement pages, and settlement windows; the transaction settlement interface 111 may perform transactions including but not limited to high-end shopping mall shopping consumption, housing sales Direct sales of traditional direct sales, large-scale classified website consumption, online direct business consumption, large payment platform payment, and gaming games.

The transaction order generating end 103 includes a transaction order generating unit 113, which communicates with the transaction settlement interface 111 and the identity confirmation unit 112 for generating a transaction order associated with the user who confirms the identity and the transaction settlement interface 111;

The transaction order may include different fields according to different transaction contents, such as users consumed in a high-end shopping mall, and the transaction order may include but is not limited to a user name, a point account code, a point account balance, a cash account code, a cash account balance. , consumption time and date, consumption amount, etc. In addition, the transaction order number of the transaction order is incremented according to the time when the user enters the first transaction within a preset time; that is, the sooner the user conducts the transaction, the sooner the system generates the corresponding transaction order, Therefore, the transaction number with the smaller number is given.

The data processing unit 104 includes a data extracting unit 114, a profit acquiring unit 115, and a communication unit 116; wherein: the data extracting unit 114 is in communication with the transaction order generating unit 113, and is configured to extract information in the transaction order; The transaction information includes a user name, a merchant code, a transaction start and end time, a transaction type, a transaction quantity, and the like; the profit acquisition unit 115 is connected to the data extraction unit 114, and is configured to perform a rebate according to the information in the received transaction order. Calculate the profit distribution; then divide the profit distribution into two parts according to the preset ratio, that is, the reserved profit distribution for the reserved profit, and the queuing profit for the queuing profit; It shows that the transaction amount of a transaction is 165,000 yuan, and the agreed distribution discount between the merchant and the distribution settlement system is 6%, then the total profit of this time is 9900 yuan; the preset ratio is 50%, which is used for reservation. The reserve profit distribution for distribution is 4,960 yuan, and the queuing profit for queuing and profit distribution is 4,960 yuan.

The communication unit 116 is connected to the transaction order generating unit 113, and is connected to the currency value splitting end 106 and the distribution clearing end 107 via the Internet 132, a regional network (LAN; 133) or wide area network (WAN; 134) Phase communication, configured to send the transaction order information extracted by the data extraction unit to the settlement server for distribution. Under the concept of the present invention, it is possible to design a confirmation message and/or an email to be sent to the corresponding user via the Internet, prompting the user to log in to the distribution clearing system webpage to pay attention to the queued profit status of the transaction.

The parameter setting terminal 105 includes a distribution term setting unit 117, an issue number assigning unit 118, and a cycle number setting unit 119;

The distribution period setting unit 117 communicates with the queuing unit 120 to provide a time interval and start and end time for each period of distribution, for example, the time interval is set to 20 days; the period number assigning unit 118 communicates with the queuing unit 120 for allocation. The period of the distribution;

The loop number setting unit 119 communicates with the queuing unit 120 for setting the number of cycles for queuing and dividing;

The currency value splitting end 106 includes a splitting unit 121 and an exchange rate converting unit 122;

The splitting unit 121 is configured to split the queuing profit amount into one or more split values according to the decimal value system; for example, when the detachable amount is 777, the amount is divided into 700. , 70, 7 three values; similarly, 4040 is split into 4000 and 40.

The exchange rate conversion unit 122 is connected to the communication unit 116 and the splitting unit 121 for converting the non-settled currency value and the settlement currency value according to the exchange rate;

The distribution settlement end 107 includes a queuing unit 120, a current distribution determination unit 123, a reservation distribution unit 141, a queuing distribution unit 125, and a fee calculation unit 126;

The queuing unit 120 is connected to the splitting unit 121, and is configured to add a new queuing number to the corresponding value queue according to the split value, and associate the new queuing number with the transaction order; for example, all possible possibilities of the hundredth bit The value queues are 100, 200, 300, 400, 500, 600, 700, 800, and 900. The aforementioned split value of 700 indicates that a new queue number will be added to the queue at 700. Similarly, the split 70 and 7, will also make the 70 and 7 queues respectively add a new queue number; it should be noted that when the split value is 0, it can be ignored in the queue; in addition, if there are already n queue numbers in a value queue, The newly added queue number is n+1; the order of queuing is arranged according to the transaction order number, and the transaction order with smaller transaction order number will be discharged into the distribution team first, thus obtaining the queue number with smaller number. It also means that the user associated with the transaction can get back the corresponding distribution points sooner.

The queuing distribution unit 125 is connected to the queuing unit 120, and is configured to allocate to the queue when the number of the queuing number in the queue of each currency unit reaches n times of the number of cycles of the queuing distribution in the current distribution. The nth queue number associated with the transaction order buyer, where n is a natural number;

Combined with Figure 11, the split units are divided into ten, ten, one hundred, ten thousand, ten thousand, several, and so on. Each unit is divided into 9 independent queues for queuing. For example, 10,000 is 10,000, 20,000, 30,000, 40,000, 50,000, 60,000, 70,000, 80,000, and 90,000. In the case of a large shopping mall in a certain period of time, when the time interval set in this period expires (the current period is one month), a total of 9 people participate in the current queuing, the number of cycles is 3, then the customer 1 (139 ) and customer 2 (140) and customer 3 (141) will receive a three-fold (9%) distribution, that is, customer A also receives a cumulative distribution bonus of 123 points, and customer B can obtain 456 during the profit-sharing period. The cumulative distribution of the number, customer C can get the cumulative distribution of 789. As shown in FIG. 12, when the current cycle number is 4, customer 1 (139) and customer 2 (140) will receive 3 times (9%) of the distribution, while user 3 (141) will receive 1 time (3%). The distribution of. The above-mentioned customers 4-9 will not be able to obtain a queuing profit, but they all have the qualification to obtain a reserved dividend.

In addition, a special number setting unit (not shown) may be added to the queuing distribution unit 125 for setting one or a series of special case numbers; the transaction number of the queuing number conforming to the special case number preset rule , can skip the team to directly obtain the corresponding distribution points of the queue; however, when the queue number becomes the current distribution number in the future, the system will not perform secondary distribution.

The database 128 is connected to the data processing terminal 104, the reservation distribution unit 141, and the payment unit 127. It is used to store the transaction order and its corresponding queued distribution information for the user, merchant, and distribution settlement system management to retrieve or query related data.

The current distribution determining unit 123 is connected to the queuing distribution unit 125 and the reservation distribution unit 141 for determining whether the queuing number associated with the transaction order is distributed; and obtaining the profit distribution number entering the fee calculation unit 126 The distribution number that does not receive the dividend enters the reserved distribution unit 141.

The reservation distribution unit 141 is configured to reserve and distribute the queuing number that the current distribution determination unit 125 determines that the queuing distribution cannot be obtained;

The fee calculation unit 126 is configured to calculate a specific profit amount or a distribution profit point;

The payment terminal 108 includes a payment unit 127, which communicates with the fee calculation unit 126, the cash account 109, and the point account 110, and transfers the distribution points into the point account 110 of the user associated with the current distribution number, or directly transfers the cash. Into the cash account 109.

Example 2 Distribution and settlement system (queue distribution + reservation distribution + direct distribution)

As shown in FIG. 5, the parameter setting end 205, the currency value splitting end 206, the distribution profit settlement end 207, and the payment end 208 of the second embodiment are disposed on each of the main settlement servers 235;

The first fee calculation unit 224 ′ is connected to the first payment unit 227 ′ and the current distribution determination unit 223 , and is configured to calculate an actual distribution point or a cash amount for the transaction order whose queue number matches the current distribution number;

The first payment unit 227' is coupled to the first fee calculation unit 224' and communicates with the point account 210 or the cash account 209 of the client 202 via the Internet for the actual score calculated by the first fee calculation unit 224'. The points are credited to the user's points account 210 or cash account 209.

With continued reference to FIG. 5, the reservation and distribution unit in the queuing distribution system of the present invention includes a reservation distribution sub-unit 241, a reservation distribution status determination sub-unit 237, and a verification sub-unit 238.

The reserved distribution sub-unit 241 is connected to the reserved distribution status determination sub-unit 237 and the current distribution determination unit 223, and is used for retrieving all the information used for reservation and distribution;

The reserved profit-distribution status determining sub-unit 237 is configured to determine whether the profit-distribution information sent by the current distribution determining unit 223 is eligible for reserved distribution; for example, the X-term queue of the participation of the user A For profit distribution, the split score value is 700 points. If the queue number is not obtained, then the profit number will enter the reserved distribution unit 241. The unit automatically retrieves information from the database to determine whether user A has reserved dividends. qualifications;

As an improvement of this embodiment, as still described above, User A participates in the queuing distribution of the X value of the value of 700, and also participates in the queuing profit of the X value of 70 in the X period, and participates in the X period. The value of the currency is 7 yuan. If, at the end of the user's Xth period, only the 7-element queue is eligible for queuing, and the 70-yuan queue and the 700-yuan queue are not eligible for queuing. The distribution clearing system can choose user A's 70 yuan and 700. The yuan scores the number and goes to the next queued sequence instead of going to the reserved rebate unit.

The verification sub-unit 238 is connected to the reservation distribution unit 241 and the database 228 for retrieving the information of the queuing unit and the distribution unit in the database 228, and collating with the distribution number having the reserved distribution qualification; After the user A meets the qualification of the distribution, the verification unit will retrieve the data of the score of 700 points to participate in the queuing and profit distribution, and judge that the queue is not profitable, and then proceed to the next step.

The second cost calculation unit 224 ′ is connected to the verification unit 238 for calculating the actual distribution points or cash amounts that need to be specifically distributed;

The second payment unit 227'' interfaces with the second fee calculation unit 224'' and communicates with the point account 210 and the cash account 209 for importing the actual distribution points into the user associated with the current distribution number. In the points account 210 and the cash account 209.

Referring to FIG. 3, the main settlement server in the system of the present invention can simultaneously communicate with a plurality of merchants, so that various transactions conducted in multiple locations in the world can be collected into the same component profit queue for queuing and profit distribution, greatly improving The speed of distribution to customers and the willingness to participate. Under ideal conditions, users can receive corresponding distribution points or distribution cash on the next day, which will effectively enhance the user's willingness to return to the merchants participating in the distribution system to continue trading. In particular, whenever a user participates in the queuing and profit distribution, the time limit for obtaining the profit is expected, which is much better than the existing various types of rebates or discounts.

Referring next to Fig. 9, an illustration of a variation of the queuing distribution system of the present invention is shown. As shown in FIG. 6, the system is suitable for a large-scale shopping mall, and further includes: a shopping mall management client 251; the mall management client 251 includes: a cashing control unit 252 and an internal management system 253. Wherein, the redemption control unit and the credit account 210 of the client 202 are via the Internet 232, a regional network (LAN; 233) or a wide area network (WAN; 234) for communicating with the payment unit (227', in the primary settlement server 235 227'') The dividend points released are entered into the user's points account instead of the cash account within the preset time limit.

Example 3 Distribution and settlement system (queue distribution + reserved distribution + direct distribution)

As shown in FIG. 6, the improvement of the embodiment 2 is that, on the cloud master settlement server, a distribution mode selection unit 340 and a distribution identity determination unit 339, an entry point calculation unit 342, and a reservation distribution unit are further provided. 341 is connected to select the distribution method for the transaction order with the qualification of distribution. The distribution method includes direct distribution and queuing and distribution;

The third fee calculation unit 324 ′′′ is connected to the distribution mode selection unit 340 and configured to calculate the profit amount of the transaction order as the actual distribution profit point;

The third payment unit 327"" is coupled to the third fee calculation unit 324"" and is in communication with the point account 310 for importing the actual distribution points into the points account of the user associated with the current distribution number. 310.

The distribution status determining unit 339 is connected to the data processing end 304 for determining whether the transaction order has the qualification for distribution; for the user who is not eligible to obtain the distribution, the database 328 is directly imported for storage; if the user is eligible to obtain the distribution, Then perform a further queuing operation.

Embodiment 4 Queued Profit and Distribution Method

Referring now to Figures 10, 14, and 15, a method for discretely dividing the transaction commission cumulative currency value according to an embodiment of the present invention is generally illustrated. Referring first to FIG. 10, FIG. 10 exemplarily shows a transaction data processing portion of the queuing distribution method of the present invention; as shown in blocks 402 and 403, a registered user who holds a cash account card or a point account card issued by a large shopping mall, After scanning, swiping, inserting a card or sensing a card on the card reading device 408 of the mall settlement computer 401, the card reading device receives a card signal indicating that the registered user has completed a new transaction.

As indicated by block 404, once the card reading device successfully detects the card signal or passes the user's identity verification at the transaction end, the transaction interface will display information such as the user's name and part of the account number to the user.

For network users, simply enter the username and password on the web page to complete the authentication. Network users can directly use the PC, mobile phone, tablet to log in to the distribution and settlement system platform, or log in to the third-party merchant's own website that cooperates with the distribution and settlement system platform, or the classified website that cooperates with the distribution and distribution system.

As shown in block 407, after the user completes the settlement, the cache unit in the merchant server records the user name, the account number used by the user, the store code, the product code, the date, the time, and the existing points in the credit account; The user reopens the new transaction in the mall, as indicated by arrow 408, the cache unit will continue to record the above information for all transactions in which the user participates. As indicated by block 409, after the user completes the first transaction, the transaction server generating unit of the merchant server will generate the user name, the merchant code, the transaction start and end time, all the goods or service codes during the period, the account number used by the user, and the user. A transaction order for information such as existing points in the account when entering and leaving all transactions. For users who log in directly through the network, in general, a transaction order is generated when the shopping cart is completed or the payment is completed.

After the transaction ticket is generated, as shown in block 410, it will be sent to the communication unit of the merchant server; as shown in block 411 of FIG. 10, the communication unit will forward the transaction slip to the primary settlement server via the Internet, and As indicated by block 416, a confirmation message and/or email is sent to the respective user via the Internet, prompting the user to log into the queued platform platform to focus on the queued distribution status of their transaction.

Referring next to FIG. 14, a queuing distribution portion of the queuing distribution method of the present invention is exemplified; as shown in block 418 and block 419, after the data processing terminal receives the transaction ticket sent by the communication unit, as shown in block 431. , extract transaction information, determine the profit distribution qualification of the transaction order, calculate the profit distribution amount, and obtain the corresponding distribution discount from the extracted shopping mall code, the transaction information also includes the user name, the user's credit account number, the store code, and the user enters And the date, time, and existing points for each transaction. Then, as indicated by block 432, the user can choose whether to directly distribute or queue. If a direct split is selected, then block 425 is entered and the actual fractional points are calculated. As shown in block 433, if the queuing profit is selected, the profit distribution amount is split into two parts according to the preset ratio, that is, the reserved profit distribution quota for reserved dividends, and the queuing profit quota for queuing profit distribution. . As indicated by block 419, the parameter setting terminal provides a time interval, start and end time, and period number for each period of the distribution, and extracts the number of cycles (γ). As an example in the dashed box 427, when the total transaction amount of the transaction slip is 7,770, at a rebate ratio of 10%, a total dividend amount of 770 yuan is obtained.

After calculating the total distribution amount, as shown in block 421, the split unit in the distribution management server splits the total distribution amount according to the numerical carry system; for example, taking the example in the dotted square 427 as an example again. When the total number of enrolled points is 777, the number is divided into three values of 700, 70, and 7; similarly, 4040 is split into 4000 and 40.

After the value is split, as shown in block 422, the queuing unit in the distribution management server adds a new queuing number to the corresponding value queue according to the split value, and makes the queuing number and its corresponding transaction order. Associated. For example, all possible value queues for a hundred bits are 100, 200, 300, 400, 500, 600, 700, 800, and 900, and all possible value queues for decimals are 10, 20, 30, 40, 50, 60, 70. , 80 and 90, and so on; therefore, taking the example in dashed box 428 as an example, the three values 700, 70, and 7 are split, indicating that one of the three value queues of 700, 70, and 7 is added to each. New queue number; it should be noted that when the split value is 0, it can be ignored when queued; if there are already n queue numbers in the value queue of 700, the new queue number added to the queue will be n+1. And n+1 will be associated with the trading order with the trading order number 1234567; similarly, m+1 and p+1 will also be associated with the trading order number 1234567. In addition, the order of queuing is arranged according to the transaction order number, that is to say, the transaction order with the smaller transaction order number will be discharged into the distribution team first, thus obtaining the queue number with smaller number, which means that The sooner the user associated with the transaction can get back the corresponding points.

As shown in block 423, whenever a new queue number enters a certain value queue, the profit and distribution unit in the distribution management server calculates the current distribution number of the value queue according to formula (3);

R = Lq ÷ λ (3)

Where R is the current distribution number, Lq is the latest queue number, and λ is the number of cycles of the value queue;

If the calculated R value is an integer, the profit point unit indicates to the system that the transaction order with the queue number of the R number can be distributed to the transaction list; conversely, if the calculated R value is not an integer The distribution unit indicates that the system continues to wait for more transactions to enter the value queue, and does not perform any profit operation on any queue numbers.

Referring to the example in Fig. 15, the numerical sequence queue λ of the example has a cycle number λ of 5, and at the end of the current period, there are 30 queue numbers. When the queuing number No. 5 enters the X queue, the profit distribution unit immediately calculates: R=Lq÷λ=5÷5=1; represents that the current user can be distributed to the user associated with the queuing number 1; By analogy, when the queue commission number No. 30 enters the X queue, the profit point unit immediately calculates: R = Lq ÷ λ = 30 ÷ 5 = 6; represents that the current can be repaid to the queue number No. 6. Assuming that the rebate commission and agency commission for this period are both 10%, then the total commission is 20%, the commission for queuing is 10%, and the commission for reserve dividend is 10%. Therefore, at the end of the period, the profit number 1-6 received a 50% queuing bonus commission. The distribution number 7-30 received a 10% reserve bonus commission.

In addition to the above queuing rules, the distribution platform may also set one or a series of special case numbers; the queuing number conforms to the transaction order of the special case number preset rule, and can skip the team to directly obtain the corresponding distribution points of the queue; however, when When the queuing number becomes the current profit-sharing number in the future, the system will not perform secondary distribution.

Taking the example of the dashed box 430 again as an example, when the queuing number n+1 becomes the current distribution number of the 700 queue, assuming that the number of cycles λ of the queue is 10, it is returned to the user associated with the transaction number No. 1234567. The actual profit distribution is 700×10=7000; and so on, when m+1 and p+1 become the current profit points of the 70 and 7 value queues respectively, the user can also get 700 and 70 respectively. integral.

From the above examples, it can be seen that the high profit distribution of the present invention can greatly improve the merchant customer return rate; in addition, the two methods of the profit distribution discount and the cycle number introduced by the queuing distribution method of the present invention, By changing the values of the two variables, the amount of distribution points and the speed of distribution of the distribution can be scientifically and precisely regulated, which helps to enhance the business operation and management of the business.

Referring initially to Figure 10, as shown in block 412, after the actual fractional points are calculated, the fractional points are credited to the user's points account (413). As represented by block 413, in accordance with a variation of an embodiment of the present invention, after the bonus points enter the user credit account, the redemption control unit (414) in the merchant management client will be activated to prevent the penning points from being The preset period is transferred to the cash account; the preset period may be 30 days or one month, or may be determined according to the merchant's demand or the contract between the merchant and the queuing platform, and may be associated with the merchant Manage the internal management system of the client for adjustment and management. As indicated by block 415, after the predetermined deadline expires, the redemption control unit will automatically release the control so that the user can transfer the pen bonus points into the cash account for redemption.

Finally, as shown in block 431, after the distribution points are entered into the user credit account, the queuing distribution system of the present invention may also send a distribution confirmation notification to the user's communication device, informing the user that a certain portion of the distribution points have been credited, and reminding The user's redemption of the number of points is reserved to allow the user to return to the merchant as soon as possible to continue to participate in the gaming game. In addition, some merchants who sign up with the queuing distribution platform can also provide users with the option of using the distribution points to offset the merchant's accommodation expenses, and more effectively lengthen the time that the user stays at the merchant's consumption.

Example 5 Distribution platform for large shopping websites

The distribution clearing platform of the embodiment is applied to a large shopping website and a large business website. In combination with the distribution method of the X merchant Y currency value queue shown in FIG. 17, the X merchant provides a 10% rebate commission to the consumer, and provides 10% of the intermediary commission to the distribution settlement platform, so the total profit commission is 20%. The distribution clearing platform will use 10% for queuing and profit, and another 10% for reserved dividends. After the deadline of the current queue, there are 1-30 points of interest in the queuing. The distribution rule is: the number of cycles λ is 5, respectively λ=5, λ=4, λ=3, λ=2 λ=1, according to the order of joining the queue, the profit-sharing number is divided from large to small according to the number of cycles. Users 1 and 6 associated with the distribution numbers 1 and 6 receive 50% of the distribution, users 2 and 7 associated with the distribution numbers 2 and 7 receive 40% of the distribution, and users 3 and 8 associated with the distribution numbers 3 and 8 Users 4 and 9 with 30% distribution, distribution numbers 4 and 9 get a 20% distribution, and users 5 and 10 associated with distribution numbers 5 and 10 get a 10% queue. In order to compensate users 5 and 10, the distribution clearing platform takes 10% of its self-reserved distribution. Therefore, consumers have the opportunity to get 50%, 40%, 30%, 20%, 20% dividends respectively, among which 10 users with corresponding profit points get more than 10% different dividends, leaving 20 The user corresponding to the profit-sharing number does not receive the queue for distribution within the specified period, and the platform will reissue 10% to the consumers corresponding to the distribution number that does not receive the distribution.

Consumers with different consumption and merchants with different discounts can also make a unified distribution, such as 20% (X customer spending) of 20% (X merchant distribution ratio) is 10 yuan; 100 yuan 10% of the (B customer's consumption) (Y merchant distribution ratio) is 10 yuan; 200% of the 200 yuan (C customer consumption) (Z merchant distribution ratio) is 10 yuan, they unified into the queue of 10 yuan Make a unified distribution.

It is easy for a general technician to understand that different consumption amounts and the same merchant distribution discount can also be uniformly distributed through the above-mentioned currency value splitting mode.

Example 6

Referring to FIG. 4, the cloud processing network architecture of the settlement and distribution system of the present embodiment is shown, which clearly shows that the distribution system can serve various businesses and various kinds of online and offline interactions and commodity transactions, and Online O2O (online) that enhances user experience on the product online and offline To Offline) mode of the distribution platform. The mobile phone user 646, the PC user 647, and the tablet user 648 can communicate with the main settlement server 635 through the large data processing server 643, and the small data processing server 645. The traditional transaction user 649 may also choose to communicate with the primary settlement server 635 via the settlement terminal 644. A number of master settlement servers 635 can exchange data directly with each other through database 628. Data can also be exchanged between several databases 628. Therefore, the geographically-distributed users of the present invention can log in to the distribution and settlement system platform quickly and conveniently, and enjoy the fun and benefits brought by the distribution. The user login in the queue according to the embodiment of the present invention is exemplarily shown in conjunction with FIG. 16 . The process of reading the distribution information by the platform, after the user logs in 650, enters the user personal space 651, and can view the transaction list 652 to view any transaction 653 of the user. The above information is provided by user information, transaction order information, queuing information and distribution information in the database 628 through data exchange and extraction 655.

The settlement terminal can configure different performances according to different merchants. As shown in FIG. 7, the settlement terminal 644 includes only the transaction order generation end 603 and the user end 602. The settlement terminal has a simple structure, convenient use, and low cost. The settlement terminal shown in FIG. 8 includes, in addition to the transaction end generation end 603 and the user end 602, a data processing end 604, which can complete a plurality of processing functions, so that the total settlement server 635 is uploaded faster. Suitable for businesses of large size and volume.

Each unit in at least one embodiment can include circuitry configured to perform the required routines provided by the appropriate medium. For example, each unit of the unit can be implemented as one or more processors and/or other structures configured to execute the executable instructions (e.g., including software and/or firmware instructions) and/or hardware circuitry. Example embodiments of the various units include separate hardware logic, PGA (Programmable Gate Array), FPGA (Field Programmable Gate Array), ASIC (Application Specific Integrated Circuit), state machine, and/or other structures, or combination. These examples of units in a queued distribution system are exemplary only, and other configurations are possible.

In some embodiments, each unit in the distribution clearing system may include a storage circuit or an external storage circuit (not shown). The storage circuit is configured to store programs, such as executable code or instructions (eg, software and/or firmware), electronic data, databases, or other digital information, and the storage circuit can include processor-usable media. The processor usable medium can be implemented as any computer program product or article of manufacture capable of containing, storing, or maintaining program, data, and/or digital information, including the program, data, and/or digital information in the example embodiments. The instruction execution system of each unit of the system is used by or associated with the instruction execution system. For example, an example processor usable medium can include any of a physical medium such as an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor medium. Some more specific examples of processor usable media include, but are not limited to, portable computer disks such as floppy disks, compressed (zip) disks, hard drives, random access memory, read only memory, flash memory, cache (cache) Memory) and/or other configurations capable of storing programs, data or other digital information.

At least some embodiments or aspects described herein may be implemented using a program stored in the appropriate storage circuits described above and configured to control the various units of the queued distribution system. For example, the program can be provided by a suitable medium (eg, including a medium that is implemented in the article).

The above-mentioned embodiments are merely described in the preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Various modifications of the technical solutions of the present invention will be made by those skilled in the art without departing from the spirit of the invention. And improvements are intended to fall within the scope of the protection as defined by the appended claims.

Claims

A trading commission accumulating currency value discrete dividend settlement system, comprising:

At least one client, each of the clients including at least one cash account or a point account;

At least one transaction end, each of the transaction terminals includes a transaction settlement interface and an identity confirmation unit;

Wherein: the transaction settlement interface is used for the user to complete the transaction settlement; the identity confirmation unit communicates with the user terminal, for confirming the identity of the user and extracting the account information of the user;

At least one transaction order generating end, each of the transaction order generating ends including a transaction order generating unit;

Wherein: the transaction order generating unit communicates with the settlement interface and the identity confirmation unit, and is configured to generate a transaction order associated with the user who confirms the identity and the transaction settlement interface;

At least one data processing end, each data processing end includes a data extracting unit, a profit acquiring unit, and a communication unit;

Wherein: the data extracting unit is in communication with the transaction order generating unit, and is configured to extract information in the transaction order;

The profit acquisition unit is connected to the data extraction unit, and is configured to calculate a profit distribution according to the information in the received transaction order according to the distribution discount; and then split the profit quota into two parts according to a preset ratio, that is, Reserved reserve profit distribution quota, used for queued profit distribution quota;

At least one parameter setting end, including a distribution term setting unit, an issue number allocation unit, and a cycle number setting unit;

Wherein: the distribution period setting unit is configured to provide a time interval and a start and end time of each period of distribution;

The period number allocation unit is configured to allocate a period number of the distribution;

The cycle number setting unit is configured to set a cycle number of queued distribution;

At least one currency splitting end, each currency splitting end includes a splitting unit and an exchange rate converting unit;

Wherein: the splitting unit is configured to split the queued profit amount into one or more split values according to a decimal value system;

The exchange rate conversion unit is connected to the communication unit and the splitting unit, and is configured to convert the non-settled currency currency value and the settlement currency value according to the exchange rate;

At least one distribution settlement end, each of the settlement ends includes a queuing unit, a current distribution judgment unit, a reservation distribution unit, a queuing distribution unit, and a fee calculation unit;

Wherein: the queuing unit is connected to the splitting unit, configured to add a new queuing number to the corresponding value queue according to the split value, and associate the new queuing number with the transaction order ;

The queuing distribution unit is configured to allocate to the nth queue of the queue when the number of the queuing number in the queue of each currency unit reaches n times of the number of cycles of the queuing distribution in the current distribution. Number of related transaction order buyers to distribute, where n is a natural number;

The current distribution judgment unit is connected to the queuing distribution unit, and is configured to determine whether the queuing number associated with the transaction order is distributed;

The reserved distribution unit is configured to reserve and distribute the queuing number that is determined by the current distribution judgment unit to be unable to obtain the queued distribution;

The fee calculation unit is configured to calculate a specific profit amount or a distribution profit point;

At least one payment terminal, each payment terminal includes a payment unit, and the payment unit is in communication with the fee calculation unit, the cash account or the point account, for importing the distribution points into the current In the point account of the user associated with the profit number, or used to transfer cash directly into the cash account.
The transaction commission accumulative currency value discrete dividend distribution system according to claim 1, comprising at least one main settlement server, wherein the parameter setting end, the currency value splitting end, the distribution profit settlement end, and the payment end are arranged in each of the cloud owners. On the settlement server.
The transaction commission cumulative currency value discrete distribution settlement system according to claim 2, wherein said data processing terminal is also disposed on each of said master settlement servers.
A transaction commission accumulative currency value discrete distribution settlement system according to claim 1, comprising at least one settlement terminal, said transaction order generation end being disposed on said settlement terminal.
The transaction commission accumulative currency value discrete distribution settlement system according to claim 4, wherein said data processing terminal is also on said settlement terminal.
The transaction commission accumulative currency value discrete dividend distribution system according to claim 1,

The reservation distribution unit includes a reserved distribution subunit, a reserved distribution identity determination subunit, and a verification subunit;

Wherein: the reserved dividend-distribution identity judging unit is used for judging whether the eligibility for reserved dividends is available;

The reserved distribution sub-unit is configured to retrieve all information used for reserved distribution;

The verification subunit is connected to the reserved distribution subunit and the database, and is used for retrieving the information of the queuing unit and the distribution unit in the database, and collating with the distribution number having the reserved distribution qualification;

The fee calculation unit includes a second fee calculation unit, and the second fee calculation unit is connected to the verification unit for calculating an actual distribution point or cash amount that needs to be specifically distributed;

The payment unit includes a second payment unit, and the second payment unit is coupled to the second fee calculation unit and is in communication with the cash account or the points account for importing the actual distribution points into the office The cash account or point account of the user associated with the current profit and loss number.
The distribution clearing system of claim 1 wherein: The primary settlement server further includes a distribution mode selection unit, and a third fee calculation unit and a third distribution unit that implement a direct distribution function;

The distribution mode selection unit is connected to the distribution status determination unit, the entry point calculation unit, and the reservation distribution unit, and is configured to select a distribution method for a transaction order having a distribution qualification, The distribution method includes direct distribution and queuing and distribution;

The fee calculation unit includes a third fee calculation unit, and the third fee calculation unit is connected to the distribution mode selection unit, and is configured to calculate the profit amount of the transaction order as an actual profit distribution point or directly enter the third Distribution unit

The distribution unit includes a third distribution unit, the third distribution unit is coupled to the third fee calculation unit, and is in communication with the cash account or the point account for distributing the actual distribution The points are remitted into the points account of the user associated with the current distribution number, or cash is directly transferred into the cash account.
The distribution clearing system according to claim 1, wherein the identity confirmation unit is a card reading device or a user login unit, and the user login unit includes an input user name, a password, and a security question.
The distribution clearing system of claim 1 further comprising:

And redeeming the control unit, the redemption control unit is in communication with the point account for preventing the actual distribution points located in the point account from being transferred into the cash account within a second preset time.
The distribution clearing system of claim 1 wherein:

The distribution discount is in the range of 0.1%-99.9%;

The number of cycles is any natural number greater than one;

The fractional ratio is in the range of 0.1% to 99.9%;

The preset ratio is in the range of 0.1% to 99.9%;

The first preset time is 24 hours.
The distribution settlement system according to claim 9, wherein: said distribution discount is 1.0-10.0%; said preset ratio is 30-70%; and said second preset time is 1 month.
The distribution clearing system of claim 10 wherein: said number of said cycles in each queue is different.
A transaction commission accumulative currency value discrete dividend settlement method includes the following steps:

Confirming the identity of the user via an identity confirmation unit connected to the transaction interface;

After confirming that the user of the identity starts the transaction at the transaction settlement interface, a transaction order associated with the user confirming the identity and the transaction data is generated;

Provide time interval, start and end time, period number, cycle number and distribution ratio of each period of profit;

Extracting information in the transaction order, calculating a profit amount according to a profit distribution discount; and dividing the queued profit amount into one or more split values according to a decimal value system;

Calculate the profit amount according to the profit-sharing discount for the transaction order that has the profit-making qualification;

Provide the choice of distribution method. When the direct distribution is selected, the profit is directly calculated. However, when the queue is used for profit distribution, the profit distribution is divided into two parts according to the preset ratio, that is, the reserved distribution for the reserved distribution. Amount, the queuing profit for queuing and profiting;

Dividing the queuing profit amount into one or more split values according to the decimal value system;

Adding a new queuing number to the corresponding value queue according to the split value, and associating the new queuing number with the transaction order;

Calculating a current distribution number of the value queue when the value queue is queued with the new queue number;

When the time interval of each period expires, according to the split value and the number of cycles extracted by the data extracting unit, the actual profit distribution or the cash distribution amount is calculated, and the condition is immediately distributed;

The profit-sharing number that cannot be queushed in the current period is calculated according to the reserved dividend amount associated with the current profit-sharing number, and the actual profit distribution points or cash distribution amount are calculated, and the conditions are immediately distributed;

The distribution points or the distribution cash amount are remitted into the point account or cash account associated with the current distribution number.
The method for distributing dividends according to claim 13, further comprising the steps of:

The non-settled currency value is converted into the settlement currency value for queuing profit or reserve dividend, and the final dividend cash is converted into non-settled currency and remitted into the user's cash account.
The method for distributing settlement according to claim 14, further comprising the steps of:

The actual split bonus points located in the points account are prevented from being transferred to the user's cash account during a second predetermined period of time.
The method for distributing dividends according to claim 13, further comprising the steps of: selecting a direct distribution or a queue for profit distribution;

After selecting the direct distribution, the actual distribution points are transferred to the points account of the user associated with the current distribution number.
The method for distributing settlement according to claim 13, wherein:

The distribution discount is in the range of 0.1%-99.9%;

The number of cycles is any natural number greater than one;

The period of each period is in the range of 1-30 days;

The first preset time is 24 hours.
The method for distributing settlement according to claim 13, wherein:

The second preset time is one month.
The distribution clearing system of claim 17 wherein: said current number of cycles in each queue is different.