CN103955847A

CN103955847A - Transaction commission accumulated currency value dispersion type profit distribution settlement system and method

Info

Publication number: CN103955847A
Application number: CN201410200266.0A
Authority: CN
Inventors: 门利; 门伯旭
Original assignee: Individual
Current assignee: Individual
Priority date: 2014-05-13
Filing date: 2014-05-13
Publication date: 2014-07-30
Also published as: WO2015172628A1

Abstract

The invention relates to a transaction commission accumulated currency value dispersion type profit distribution settlement system. The transaction commission accumulated currency value dispersion type profit distribution settlement system comprises a user side, a trading side, a trading receipt generating side, a data processing side, a parameter setting side, a currency value dispersing side, a profit distribution settlement side and a payment side. According to the transaction commission accumulated currency value dispersion type profit distribution settlement system, profits generated from a large amount of commission is scientifically distributed to users on a platform in accumulated and queued mode according to the 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, customers can learn the benefit easily, and the customers can experience an unprecedented novel profit distribution mode brought by the network platform. An O-2-O trading mode for various commodities can be generated after online and offline interaction between merchants and the customers, the customers can enjoy the convenience and shopping enjoyment brought by online shopping and offline product experience, and various levels of profit distribution surprises can be brought to the consumers continuously while the consumers experience the Internet type innovative profit distribution mode brought by online and offline shopping.

Description

Transaction commission accumulative total discrete point of sharp settlement system of value of money and method

Technical field

The application belongs to data handling system or the method field of administration, business, finance, more specifically, relates to a kind of transaction commission accumulative total discrete point of sharp settlement system of value of money and method.

Background technology

Transaction mainly refers to the exchange of the value of both sides taking currency as medium.Since the mankind use currency, just exist the transaction of traditional form; After entering cybertimes, occur again comprising that B2B (business to business), B2C (business is to visitor), C2C (individual and individual), O2O are the e-commerce transaction of the different concepts such as Online To Offline (on line under line).The no matter transaction of above-mentioned which kind of form, the provider of product or service (is called for short businessman, the understanding of broad sense should be done by businessman of the present invention, comprise manufacturing enterprise, the individual seller, large-scale shopping plaza, the operator of businessman etc.) all can face a large amount of opponents' competition, therefore businessman buys them in order to attract and reward user product or service, can be to agent's (comprising of the present invention point of sharp settlement system platform business), the recipient of product or service (is called for short user, user of the present invention should do widely and understand, comprise individual consumer, the purchaser of enterprise, government procurement side etc.) commission is provided, such as address commission, interest concessions commission etc., be that businessman divides profit to agent and user's (being next called for short " point profit ") using its part of my profit as commission, in all kinds of transaction, become normality.

But offering middleman's commission disadvantage is clearly exactly the transaction cost that has improved user, has damaged user's interests., all adopt when the means of commission promotion is provided in numerous businessmans meanwhile, will inevitably cause the profit of businessman to reduce, because the product of all kinds of businessmans, in the link of stocking up, and production link, all links in storehouse etc., all different, whose cost lower who will more have superiority, more can attract consumer.Therefore to businessman with being disadvantageous per family.

Provide the commodity of discounting or surperficial the seeing of service the sale that can promote businessman can bring a part of interests to user again to user.But in fact, businessman or agent be in order to create larger profit, be all obviously to exceed the discount of carrying out on the basis of true value of its commodity or service, therefore relatively obtain commission, user does not obtain real material benefit.

In addition, the business model of direct sales company is just given the intermediate link split of the profit of great number the intermediary of various aspects, and consumer just buys outside product to exceed the price of several times of cost of products valencys, without any benefit, this business model is merely able to bring the injury of huge interests to consumer.

Current, businessman adopts to provide commission, is also to provide point sharp mode of discounting, is not all absolute open and clear with respect to user., user cannot know product or the real value of service of its purchase.

Along with the develop rapidly of internet, all kinds of internet data disposal systems of utilizing are a lot, such as the method that commodity are given a discount of just using traditional businessman under line taking Taobao, ebay as the implementation method of these platforms of classifieds website of representative and taking when attracting consumer to do shopping, such discount method is with being without any meaning on the internet, under line, traditional businessman, before merchandise discount, has added the cost in various links in the price of commodity.For another example, Taobao generates several ten million trading volumes every day, but the different discounts of price that different commodity are different, huge like this trading volume is brought the complex data of magnanimity, point sharp mode giving a discount only according to traditional businessman can not satisfy the demands of consumers, and such point sharp mode is without any new meaning, and what consumer needed is a kind of brand-new consumption experience.Also there are the various sharp network platforms of returning, only the business organization of China taking " profit is returned in consumption " as management style reached family more than 2000 at present, the commission merchant, the member of businessman, the consumer's membership that participate in consumption point sharp management mode have exceeded 3,000 ten thousand, and participation number is also in Rapid Expansion.For returning sharp net, return the profit time and return the profit cycle very important.Such as some returns sharp website at present, accumulate 50 yuan and just can withdraw deposit, a lot of consumers will be accumulated to 50 yuan, need some months.Returning sharp website also exists and need to return the defect of carrying out redirect between sharp net and the webpage of classification net.

Therefore, in prior art, expect a kind of point of sharp settlement system, this system can be utilized the just transparent advantage in internet, the profit of businessman is carried out from new distribution in the network platform, allow user clearly know that internet is the interests which type of mode to cancel intermediate link by, distributes to consumer these profits by just transparent mode.

Summary of the invention

First object of the present invention is to provide a kind of transaction commission accumulative total discrete point of sharp settlement system of value of money and method, the commission of the various ways that businessman is provided, such as intermediary's brokerage commission, together by the user who distributes to platform of native system science, allow more user obtain the more traditional point of more interests of profit, for user brings ultimate attainment experience, more pleasantly surprised.

Second object of the present invention is to utilize the just transparent advantage in internet, traditional business transaction, and the e-commerce transaction of the different concepts such as B2B, B2C, C2C, O2O, unified to a plateform system, the profit of distributing businessman to provide.

The 3rd object of the present invention is to provide a kind of point sharp system and point sharp method of queuing up of queuing up, can to point sharp queue disengage the amount of money and rate of release is carried out scientific regulation and control, when effectively enhancing, solved because queue number builds up, and the user of the queuing causing after leaning on divides profit cannot divide not in time or at all sharp problem.

The 4th object of the present invention is to provide a kind of point sharp system and point sharp method of queuing up of queuing up, and can rekindle the passion of customer consumption and joyful, can allow the businessman on point sharp settlement platform that user is greatly improved viscosity and again consumed.

The 5th object of the present invention is to provide transaction commission accumulative total discrete point of sharp settlement system of value of money and method, and it can provide in real time to businessman and owner, point sharp information of queuing up dynamically, intuitively, makes point sharp process opener, transparent.

The 6th object of the present invention is to provide transaction commission accumulative total value of money discrete point of sharp settlement method, and the method can be time-division profit, and point profit cycle is controlled.

Last object of the present invention is to provide a kind of point sharp system and point sharp method of queuing up of queuing up, it can be applied to the business transaction of carrying out in the store, networking on shop under traditional line or line simultaneously, and the novel trade promotion means that meet modern's consumption habit and demand are provided.

The scheme of invention

In order to realize object of the present invention, the invention provides discrete point of sharp settlement system of a kind of transaction commission accumulative total value of money, comprising:

At least one user side, each user side comprises at least one cash account or integration account;

At least one end of concluding the business, each transaction end comprises settlement of transactions interface, identity validation unit;

Wherein: described settlement of transactions interface completes settlement of transactions for user; Described identity validation unit and user side communication, for confirming user identity and extracting user's account information;

At least one trading card produces end, and each trading card produces end and comprises trading card generation unit;

Wherein: described trading card generation unit and described clearing interface and identity validation unit communications, for generation of with the trading card of the user of described confirmation status and described settlement of transactions interface phase connection;

At least one data processing end, each data processing end comprises data extracting unit, point sharp volume acquiring unit, communication unit;

Wherein: described data extracting unit and trading card generation unit communicate, for extracting described trading card internal information;

Described point of sharp volume acquiring unit is connected with data extracting unit, for calculating a point Li Edu according to the trading card internal information receiving according to a point sharp discount; Then will divide Li Edu to split into two parts according to pre-set ratio,, for the reserved point Li Edu of reserved point of profit, for queuing up, a point sharp queuing divides Li Edu;

At least one parameter arranges end, comprises a point profit time limit setting unit, issue allocation units, period setting unit;

Wherein: described point of sharp time limit setting unit, for each issue point of sharp time interval, beginning and ending time are provided;

Described issue allocation units are for the issue of point partition profit;

Described period setting unit, for setting point sharp period of queuing up;

At least one value of money splits end, and each value of money splits end and comprises split cells and exchange rate conversion unit;

Wherein: described split cells, for dividing sharp volume by described queuing, according to decimal number valve system, is split as one or more fractionation numerical value;

Described exchange rate conversion unit, is connected with split cells with described communication unit, for Non-Settlement Currency value of money and transaction currency value of money being converted according to the exchange rate;

At least one point of profit clearing end, each described clearing end comprises that queued units, current period divide sharp judging unit, a reserved point sharp unit, queue up a point sharp unit, expense computing unit;

Wherein: described queued units and described split cells join, for according to described fractionation numerical value, in corresponding value queue, add new queue number, and by described new queue number and described transaction nonoculture associated;

Described queuing divides sharp unit, while being used for dividing profit in the current period, when in the queue of each currency system unit, the numbering of queue number reaches n times of point described period of profit of queuing up, the trading card buyer who is associated to n queue number of queue divides sharp, and wherein n is natural number;

The described current period divides sharp judging unit and described queuing to divide sharp unit to join, for judging whether the queue number associated with described trading card obtains a point profit;

A described reserved point of sharp unit, point sharp for dividing sharp judging unit to be judged as can not to obtain the current period point sharp queue number of queuing up reserve;

Described expense computing unit, for calculating concrete point Li Jine or point sharp integration;

At least one payment terminals, each payment terminals comprises payment unit, communicate with described payment unit and described expense computing unit, described cash account or integration account, for the integration account with the described user who instantly divides profit associated by described point of sharp integration remittance, or for cash is directly imported to described cash account.

Further, discrete point of sharp settlement system of transaction commission accumulative total value of money of the present invention, comprises at least one main account settlement server, and described parameter arranges end, value of money splits end, divides profit clearing end, payment terminals to be arranged on the main account settlement server of each described cloud.

Preferably data processing end is also arranged on each described main account settlement server.

For user's operation under convenient line, of the present invention point of sharp settlement system comprises at least one settlement terminal, and wherein trading card produces to hold and is arranged on described settlement terminal.

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

Further discrete point of sharp settlement system of transaction commission accumulative total value of money of the present invention improved,

A described reserved point sharp unit comprises reserved point sharp subelement, reserved point sharp identity judgment sub-unit, checks subelement;

Wherein: described reserved point sharp identity judgment sub-unit, possesses reserved point sharp qualification for judging whether;

Described reserved point sharp subelement, for transferring for reserved point sharp full detail;

The described subelement of checking joins with described reserved point sharp unit and database, for transferring the queued units and a point profit unit information of database, checks with a point profit number that possesses reserved point sharp qualification;

Described expense computing unit comprises the second expense computing unit, described the second expense computing unit with described in check unit and join, divide sharp reality to divide sharp integration or amount in cash for calculating concrete needs;

Described payment unit comprises the second payment unit, described the second payment unit and the second expense computing unit join, and communicate with described cash account or integration account, for described reality being divided to cash account or the integration account of sharp integration remittance with the described user who instantly divides profit associated.

Again divide sharp settlement system to carry out preferably to the present invention, described main account settlement server, also comprises a point sharp mode selected cell, and realizes and directly divide the 3rd expense computing unit of sharp function, the 3rd point of sharp unit;

Described point of sharp mode selected cell and described point of sharp identity judging unit, described in join the team count computing unit and a reserved point sharp unit join, for selecting point sharp mode of the trading card to having point sharp qualification, described point of sharp mode comprises directly point profit, point profit of queuing up;

Described the 3rd expense computing unit and described point of sharp mode selected cell join, for a point sharp volume for trading card is calculated as to actual point sharp integration or directly enters the 3rd point of sharp unit;

Described the 3rd point of sharp unit and described the 3rd expense computing unit join, and communicate with described cash account or integration account, for described reality being divided to the integration account of sharp integration remittance with the described user who instantly divides profit associated, or cash is directly imported in described cash account.

Described identity validation unit is that reader device or user login unit, and described user logins unit and comprises and input user name, password and safety problem.

Of the present invention point of sharp settlement system, described transaction end also comprises:

Cash control module, described in cash control module and described integration account communicates, in the second Preset Time, stop the described reality that is arranged in described integration account to divide sharp integration to be proceeded to described cash account.

Of the present invention point of sharp settlement system, wherein:

In described point of sharp discount scope in 0.1%-99.9%;

Described period is arbitrary natural number that is greater than 1;

In described point of Libiee scope in 0.1%-99.9%;

In the scope of described pre-set ratio in 0.1%-99.9%; And

Described the first Preset Time is 24 hours.

Of the present invention point of sharp settlement system, wherein: described point of sharp discount is 1.0-10.0%; Described pre-set ratio is 30-70%; Described the second Preset Time is 1 month.

Preferably: the current period in each queue is different, such as being set to respectively 5,4,3,2,1.

The present invention also provides a kind of transaction commission accumulative total value of money discrete point of sharp settlement method, comprises the steps:

Confirm described user's status via the identity validation unit being connected with transaction interface;

The user who confirms status starts at described settlement of transactions interface, after transaction, to produce and the user of described confirmation status and the trading card of described transaction data associated;

Each issue point of sharp time interval, beginning and ending time, issue, period are provided;

Extract described trading card internal information, calculate a point sharp volume according to a point sharp discount; Divide sharp volume by described queuing, according to decimal number valve system, be split as one or more fractionation numerical value;

By possess point sharp qualification trading card calculate a point sharp volume according to a point sharp discount;

Provide a point sharp mode to select, in the time selecting directly to divide profit, directly calculate a point profit; But select to queue up while dividing profit, a point Li Edu splits into two parts according to pre-set ratio,, for a reserved point of sharp reserved point Li Edu, for queuing up, a point sharp queuing divides Li Edu;

By described total score profit volume, according to decimal number valve system, be split as one or more fractionation numerical value;

According to described fractionation numerical value, in corresponding value queue, add new queue number, and by described new queue number and described transaction nonoculture associated;

In the time that described value queue enters described new queue number, calculate described value queue instantly divide profit number;

Before the time interval of each issue expires time, according to described fractionation numerical value and the period that extracted by described data extracting unit, calculate actual point sharp integration or point sharp amount in cash, eligible is time-division profit;

Can not be obtained to point profit number of point profit of queuing up the current period, according to the reserved point sharp volume that instantly divides profit associated, calculate actual point sharp integration or point sharp amount in cash, eligible is time-division profit;

By in described point of sharp integration or point sharp amount in cash remittance and the described integration account or cash account who instantly divides profit associated.

Of the present invention point of sharp settlement method further preferably, also comprise the steps:

Non-Settlement Currency value of money is converted to transaction currency value of money rank point profit or reserved point of profit, and by finally dividing sharp cash to be converted to Non-Settlement Currency, imports in described user's cash account.

Of the present invention point of sharp settlement method, also comprises step:

Within the second default time limit, stop the described reality that is arranged in described integration account to divide sharp integration to be proceeded to described user's cash account.

Of the present invention point of sharp settlement method, also comprises step: for the trading card with point sharp qualification, select directly to divide profit or point profit of queuing up;

Select directly to divide after profit, described reality is divided in sharp integration remittance and the described user's who instantly divides profit associated integration account.

Of the present invention point of sharp settlement method, wherein:

In described point of sharp discount scope in 0.1%-99.9%;

Described period is arbitrary natural number that is greater than 1;

Described each issue time is in the scope of 1-30 days; And

Described the first Preset Time is 24 hours.

Of the present invention point of sharp settlement method, wherein:

Described the second Preset Time is 1 month.

The beneficial effect of discrete point of sharp settlement system of transaction commission of the present invention accumulative total value of money is,

On the one hand, by the discrete compute mode of value of money of innovation and science, the user who distributes to platform the profit producing from multiple commission (such as intermediary's returning) by the mode science of accumulative total and queuing, each interests of distributing to consumer all can be carried out under just and transparent system, make consumers in general very clear, the experience network platform brings them and brings unprecedented brand-new split of the profit pattern, the discount that traditional businessman gives consumer can not obtain consumer's sympathetic response, adopt point sharp method of network service platform of the present invention can rekindle the passion of customer consumption and joyful, can allow and adopt the businessman of service platform greatly to improve viscosity consumption again to user.

Second aspect, the single discounting of businessman that breaks traditions of of the present invention point of sharp settlement platform, with directly give consumer's returning management mode, utilize the just transparent advantage in internet not damaging under any interests Qing of consumer Indistinct, created platform service commission to consumer and added the brand-new point sharp method of consuming address commission.This is the revolution innovation to traditional discounting and point sharp business model, this business model can also derive many other internet finance value-added services, the ultimate attainment experience bringing to user due to this platform, user pays close attention to various business informations and point sharp state issued website constantly, and therefore platform is all the time all in the creation of value.The present invention can be different commodity in huge complex data and different prices, and the identical discount of different prices, on point sharp settlement platform by split of the profit to consumer.Because more user is benefited by a point sharp method for science, this system can also allow and add the businessman of platform and user's the whole ecosphere to produce eucyclic effect.

The third aspect, can really realize businessman's distribute a profit (profit that is about to originally to belong to businessman is redistributed to user), instead of returns profit (profit that is about to originally to belong to user is returned).

Network of the present invention electricity business serves various businessmans and the various line that can produce is reached the standard grade down by interaction and commodity transaction, and can be on line with line under improve the Experience Degree of user to product online 〇 2 〇 patterns divide sharp platform.It has changed some completely and has existingly returned traditional single sharp method returned for sharp website, the interaction that can allow businessman realize online and offline produces the 〇 2 〇 patterns of extensive stock transaction afterwards, also can allow on consumer experience line and do shopping, the convenience that under line, Product Experience brings and shopping enjoyment, constantly various levels of point of profit is pleasantly surprised repeatedly also can to allow consumer experience.Method of the present invention is distributed to the interests that produce in the middle of businessman and the network platform consumer of all shopping with profit accumulative total and queuing strategy, can allow consumer accomplish nature consumption and initiatively consumption, instead of under line, to make by direct selling method the shopping that consumer produces be a kind of passive consumption.

Platform of the present invention mainly allow consumer know here the profit of commodity are transparences, such as being merely able to take out 20 percent price difference with regard to a kind of commodity, businessman distributes, according to traditional distribution method, wherein 10 is expenses of intermediary, other 10 return to consumer, although businessman abdicates 20 percent like this, but only have 10 to consumer there, and patented method and technology that this patent platform splits with value of money, the profit distributing method of taking accumulative total and queuing up, allow some consumers can therefrom take 50 percent, 40, 30, 20 etc. different points of profits, allow consumer have repeatedly constantly pleasantly surprised, and in official hour, do not take great number divide profit, platform is 10 the commission supply consumer of intermediary own there.Make one and allow point sharp service platform of all consumers without any doubt.

Below in conjunction with the drawings and specific embodiments, the present invention is described further:

Brief description of the drawings

Fig. 1 is the schematic block diagram of point sharp settlement system of the embodiment of the present invention 1.

Fig. 2 is the block diagram of the network architecture of point sharp settlement system of the embodiment of the present invention 1.

Fig. 3 is the block diagram of the network architecture of point sharp settlement system of the embodiment of the present invention 3.

Fig. 4 is the network architecture logical diagram that the cloud of the embodiment of the present invention 6 divides sharp settlement system.

Fig. 5 is the schematic block diagram of point sharp settlement system of the embodiment of the present invention 2.

Fig. 6 is the schematic block diagram of point sharp settlement system of the embodiment of the present invention 3.

Fig. 7 is the schematic block diagram of point sharp settlement system of the embodiment of the present invention 5.

Fig. 8 is the schematic block diagram of point sharp settlement system of the embodiment of the present invention 6.

Fig. 9 be the embodiment of the present invention 2 cash control system schematic block diagram.

Figure 10 is the schematic flow sheet of point sharp settlement method of embodiment 4.

Figure 11 is that the queuing of point sharp settlement system of embodiment 1 divides sharp method schematic diagram.

Figure 12 is that the queuing of point sharp settlement system of embodiment 1 divides sharp method schematic diagram.

Figure 13 is the reserved point sharp method schematic diagram of point sharp settlement system of embodiment 1.

Figure 14 is that the queuing of point sharp settlement method of embodiment 4 divides sharp part schematic flow sheet.

Figure 15 is that the queuing of point sharp settlement method of embodiment 4 divides sharp part schematic flow sheet.

Figure 16 illustrates user's login and divides sharp platform to read the process flow diagram of point sharp information according to the queuing of the embodiment of the present invention.

Figure 17 is unfixed point of sharp schematic flow sheet of the period of embodiment 5.

Below in conjunction with embodiment, the present invention is further described.

Embodiment

1 point of sharp settlement system of embodiment

Discrete point of sharp settlement system of one transaction commission accumulative total value of money as shown in Figure 1, comprises that transaction end 101, user side 102, trading card generation end 103, data processing end 104, parameter arrange end 105, value of money splits end 106, divides profit clearing end 107, payment terminals 108.Shown in Fig. 2, user is in the arbitrary place of dividing sharp settlement system that uses the embodiment of the present invention, such as user is in senior shopping plaza 128a purchase and consumption or carry out house transaction or user by the business 128b of letting agency and pay at the tradition 128c of directly-managed businessman cash or bank card, as long as produce after transaction, a point sharp settlement system will be opened a cash account 109 and an integration account 110 for user.Continue in conjunction with shown in Fig. 2, main account settlement server (135a, 135b, 135c), be connected with large data processing server 143, settlement terminal 144, the small-sized data processing server 145 of businessman respectively, senior shopping plaza 128a can provide data to main account settlement server 135a by large data processing server 143, the business 128b of letting agency can provide data by hand-held data settlement terminal 144, and traditional directly-managed 128c of businessman can transmit data by small-sized data processing server 145.Cellphone subscriber 146, pc user 147, dull and stereotyped user 148 and legacy user 149 all can login the main account settlement server page, wherein legacy user 149 is to the clearing service point 150 that point sharp settlement system service is provided, by the staff of clearing service point 150 on behalf of concluding the business and arranging.

User can make in cash or the integration of businessman's accreditation is concluded the business, and can be via general common electronic communication device, such as phone, smart mobile phone, panel computer or desktop PC etc., to cash account 109 or integration account 110 is transferred accounts mutually or other related management.But, the consideration of businessman based on promoting that user concludes the business with it again conventionally, well-behaved sharp settlement system rule can be set as, and the integration account of integration to user is only provided, instead of cash direct payment is arrived to user's cash account.

Continue in conjunction with shown in Fig. 1, transaction end 101 comprises settlement of transactions interface 111, identity validation unit 112; Settlement of transactions interface 111 completes settlement of transactions for user; Identity validation unit 112 and user side 102 communications, for confirming user identity and extracting user's account information; The confirmation of user identity can also be by the magnetic stripe card of contact, smart card, or contactless bar code card or induction radio-frequency card, for the user who uses internet, can require to set up password, password, safety problem or other status and confirm measure, to guarantee account's security.Wherein, settlement of transactions interface 111 can be clearing sales counter, the clearing scene under the line of all generations transaction, the clearing webpage on line, settlement window; The transaction that settlement of transactions interface 111 can be carried out is including but not limited to the directly-managed sale of senior shopping plaza purchase and consumption, house deal, traditional directly-managed businessman, the consumption of large-scale classifieds website, the consumption of online directly-managed businessman, the payment of large-scale payment platform, gaming etc.

Trading card produces end and 103 comprises trading card generation unit 113, this unit and settlement of transactions interface 111 and 112 communications of identity validation unit, for generation of with the user of confirmation status and the trading card that settlement of transactions interface phase 111 correlates;

Wherein, trading card can be according to different transaction contents, comprise different fields, such as the user in senior shopping plaza consumption, trading card can include but not limited to address name, integration account identification code, integration account balance, cash account code, cash account remaining sum, consumption time and date, the consumption amount of money etc.In addition, the transaction odd numbers of described trading card, is to increase progressively the time that enters first transaction according to user in Preset Time; That is to say, the user who more early concludes the business, system is got over the raw corresponding trading card of premature labor, also therefore numbers less transaction odd numbers.

Data processing end 104, comprises data extracting unit 114, point sharp volume acquiring unit 115, communication unit 116; Wherein: described data extracting unit 114 communicates with trading card generation unit 113, for extracting described trading card internal information; Described Transaction Information comprises address name, merchant code, transaction start and end time, type of transaction, number of transaction etc.; Divide sharp volume acquiring unit 115 to be connected with data extracting unit 114, for calculating a point Li Edu according to the trading card internal information receiving according to a point sharp returning; Then will divide Li Edu to split into two parts according to pre-set ratio,, for the reserved point Li Edu of reserved point sharp volume, for queuing up, a point sharp queuing divides Li Edu; Shown in Figure 13,165000 yuan of the turnovers of certain transaction, a point sharp discount of arranging between businessman and point sharp settlement system is 6%, this point sharp total value is 9900 yuan so; Preset ratio is 50%, is 4960 yuan for a reserved point Li Edu for reserved point of profit, and dividing Li Edu for point sharp queuing of queuing up is 4960 yuan.

Communication unit 116 joins with trading card generation unit 113, and splits end 106 with value of money and divide profit clearing end 107 via internet 132, Local Area Network (LAN; 133) or Wide Area Network (WAN; 134) communicate, be sent to account settlement server for the trading card information that data extracting unit is extracted and divide profit.Under design of the present invention, can design via internet and send and confirm note and/or Email to corresponding user, a prompting user login point sharp settlement system webpage divides sharp state to pay close attention to the queuing of its transaction.

Parameter arranges end 105 and comprises a point profit time limit setting unit 117, issue allocation units 118, period setting unit 119;

Wherein: point profit time limit setting unit 117 and queued units 120 communications, for each issue point of sharp time interval, beginning and ending time are provided, such as time interval is made as 20 days; Issue allocation units 118 and queued units 120 communications, for the issue of point partition profit;

Period setting unit 119 and queued units 120 communications, for setting point sharp period of queuing up;

Value of money splits end 106 and comprises split cells 121 and exchange rate conversion unit 122;

Wherein: split cells 121, for point sharp volume of queuing up, according to decimal number valve system, is split as one or more fractionation numerical value; For example, the detachable amount of money is 777 o'clock, and this amount of money number is split as to 700,70,7 three numerical value; Similarly, 4040 is to be split as 4000 and 40.

Exchange rate conversion unit 122, is connected with split cells 121 with communication unit 116, for Non-Settlement Currency value of money and transaction currency value of money being converted according to the exchange rate;

Point profit clearing end 107 comprises that queued units 120, current period divide sharp judging unit 123, a reserved point sharp unit 141, queue up a point sharp unit 125, expense computing unit 126;

Wherein: queued units 120 is joined with split cells 121, for according to splitting numerical value, in corresponding value queue, add new queue number, and by new queue number and transaction nonoculture associated; For example, centesimal likely value queue is 100,200,300,400,500,600,700,800 and 900, aforesaid fractionation numerical value 700, represent will add a new queue number in 700 queue, similarly, split out 70 and 7, also the queue that makes 70 and 7 is added respectively to a new queue number; It should be noted that the numerical value splitting out is at 0 o'clock, in the time queuing up, can ignore; In addition, if a former existing n queue number in certain value queue, just the queue number newly adding is n+1; And the order of queuing up is to arrange according to transaction odd numbers, the less trading card of transaction odd numbers numeral, will more first enter Fen Li troop, thereby obtain the queue number that numeral is less, also mean, the user who is associated with this trading card can more early bring back corresponding point sharp integration.

A point sharp unit 125 and the queued units 120 of queuing up joined, while being used for dividing profit in the current period, when in the queue of each currency system unit, the numbering of queue number reaches n times of point described period of profit of queuing up, the trading card buyer who is associated to n queue number of queue divides sharp, and wherein n is natural number;

Shown in Figure 11, fractionation unit is divided into individual, and ten, hundred, thousand, ten thousand, 100,000, some, etc.Each unit be divided into 9 independently queue rank, for example, myriabit is 10,000, 20000, 30000, 40000, 50000, 60000, 70000, 80000, 90000, certain the large-scale shopping plaza phase that illustrates " ten thousand " position is divided sharp situation, when the time interval of current period setting expires (time current period is 1 month), have 9 people and participate in current period queuing, period is 3, client 1 (139) and client 2 (140) and client 3 (141) will obtain point profit of 3 times (9%) so, be client A obtain simultaneously 1. 2. 3. divide profit number accumulative total divide profit reward, the accumulative total point profit that 6. 5. 4. client B can obtain number in point sharp term of validity, the accumulative total point profit that 9. 8. 7. client C can obtain number.Shown in Figure 12, in the time that current period period is 4, client 1 (139) and client 2 (140) will obtain point profit of 3 times (9%), and user 3 (141) obtains point profit of 1 times (3%).Above-mentioned client 4-9 can not obtain point profit of queuing up, and obtain reserved point sharp qualification but all have.

In addition, also can add special case setup unit (not shown), join with point sharp unit 125 of queuing up, for setting one or a series of special cases number; Queue number meets the trading card of special case preset rules, can skip troop and directly obtain this queue and divide accordingly sharp integration; But when this queue number will become while instantly dividing profit in future, system will no longer be carried out secondary point profit.

Database 128 is connected with data processing end 104, reserved point sharp unit 141, payment unit 127.For store transaction list and its corresponding point sharp information of queuing up, transfer or query-relevant data for user, businessman, a point sharp settlement system manager.

Current period divides sharp judging unit 123 and queue up point sharp unit 125 and a reserved point sharp unit 141 to join, for judging whether the queue number associated with trading card obtains a point profit; A point profit number that obtains point profit enters expense computing unit 126, and a point profit number that does not obtain point profit enters reserved point sharp unit 141.

A reserved point of sharp unit 141, point sharp for dividing sharp judging unit 125 to be judged as can not to obtain the current period point sharp queue number of queuing up reserve;

Expense computing unit 126, for calculating concrete point Li Jine or point sharp integration;

Payment terminals 108 comprises payment unit 127, communicate with expense computing unit 126, cash account 109, integration account 110, a point sharp integration is imported and instantly divided in user's the integration account 110 of profit associated, or cash is directly imported in cash account 109.

2 points of sharp settlement systems of embodiment (point profit of queuing up+reserved point profit+directly divide sharp)

Shown in Fig. 5, the parameter of the present embodiment 2 arranges end 205, value of money splits end 206, divides profit clearing end 207, payment terminals 208 to be arranged on each described main account settlement server 235;

The first expense computing unit 224' divides sharp judging unit 223 to join with the first payment unit 227' and current period, for for queue number and the trading card that instantly divides profit number to conform to, calculates actual point sharp integration or amount in cash;

The first payment unit 227' and the first expense computing unit 224' join, and communicate via internet with integration account 210 or the cash account 209 of user side 202, divide sharp integration to import user's integration account 210 or cash account 209 for the reality that the first expense computing unit 224' is calculated.

Continue with reference to Fig. 5, the reserved point sharp unit that the present invention queues up in point sharp system comprises reserved point sharp subelement 241, reserved point sharp identity judgment sub-unit 237, checks subelement 238.

Wherein: reserved point of sharp subelement 241 divides sharp judging unit 223 to join with reserved point sharp identity judgment sub-unit 237, current period, for transferring for reserved point sharp full detail;

Reserved point sharp identity judgment sub-unit 237, judges whether to possess reserved point sharp qualification for point profit information of sending of being divided to sharp judging unit 223 current period; Such as, the X phase of the participation of user A queues up and divides profit, split numerical value and be 700 points of profits number and do not obtain the current period point profit of queuing up, this point of profit number will enter a reserved point sharp unit 241 so, and this unit automatically judge from database gathering information whether user A possesses to reserve and divides a sharp qualification;

As the improvement of the present embodiment, still above example narration, user A joins except the queuing point profit that X phase value of money is 700, the queuing point profit that the value of money that has also participated in the X phase is 70, and the value of money that has participated in the X phase is the queuing point profit of 7 yuan.If, user's the X phase is while end, only have 7 yuan of queues to obtain point sharp qualification of queuing up, and 70 yuan of queues and 700 yuan of queues do not obtain point sharp qualification of queuing up, divide sharp settlement system can select 70 yuan of user A and 700 yuan of points of profits number, forward the queue of next period to, instead of forward the reserved sharp unit that returns to.

Check subelement 238 and join with reserved point sharp unit 241 and database 228, for transferring the queued units and a point profit unit information of database 228, check with a point profit number that possesses reserved point sharp qualification; Example in continuation, when user A meets after point sharp qualification, checking unit is that 700 points of profits number are participated in queuing point sharp data by transferring fractionation numerical value, judgement does not obtain after queuing point profit, enters next step.

The second expense computing unit 224 " with check unit 238 and join, divide sharp reality to divide sharp integration or amount in cash for calculating concrete needs;

The second payment unit 227 " and the second expense computing unit 224 " join, and communicate with integration account 210 and cash account 209, for reality being divided sharp integration import and integration account 210 and the cash account 209 of instantly dividing the user of profit associated.

Shown in Fig. 3, main account settlement server in system of the present invention can communicate with multiple businessmans simultaneously, make all kinds of transaction that carry out in multiple places in the whole world all can be collected to the queue of same component profit and rank point sharply, greatly promote the wish degree that divides sharp speed and participation to client.Under desirable situation, user can just receive corresponding point sharp integration or point sharp cash every other day, the wish that so certainly will be able to effectively strengthen user and get back to the businessman that participates in point sharp settlement system and proceed transaction.Particularly no matter when user participates in queuing up and divides profit, and an acquisition point sharp time limit is expected, is greatly better than existing all kinds of profit or the discounting mode returned.

Then with reference to Fig. 9, for queue up point sharp system a kind of of the present invention becomes routine example explanation.As shown in Figure 6, this system is suitable for megastore, also comprises: market leading subscriber end 251; Described market leading subscriber end 251 comprises: cash control module 252 and Internal Management System 253.Wherein, the integration account 210 who cashes control module and user side 202 is via internet 232, Local Area Network (LAN; 233) or Wide Area Network (WAN; 234) communicate, enter in user's integration account instead of cash account within the default time limit for point sharp integration disengaging in the payment unit by main account settlement server 235 (227', 227 ").

3 points of sharp settlement systems of embodiment (point profit of queuing up+reserved point profit+directly divide sharp)

Shown in Fig. 6, improvement to embodiment 2 is, on the main account settlement server of cloud, also be provided with point sharp mode selected cell 340 and a point sharp identity judging unit 339, join the team to count computing unit 342 and reserve a point sharp unit 341 and join, for selecting point sharp mode of the trading card to having point sharp qualification, a point sharp mode comprises directly point profit, point profit of queuing up;

The 3rd expense computing unit 324 " ' join with a point sharp mode selected cell 340, for a point sharp volume for trading card is calculated as to actual point sharp integration;

The 3rd payment unit 327 " ' and the 3rd expense computing unit 324 " ' join, and communicate with integration account 310, for reality being divided sharp integration import and the integration account 310 who instantly divides the user of profit associated.

Divide sharp identity judging unit 339 to join with described data processing end 304, for single point sharp qualification that whether possesses of determining deal; For not having qualification to obtain a point sharp user, directly import database 328 and store; The qualified profit of obtaining point, point profit of queuing up further operates.

Embodiment 4 queues up and divides a sharp method

Referring now to Figure 10,14,15, overall description according to discrete point of sharp settlement method of transaction commission accumulative total value of money of the embodiment of the present invention.First with reference to Figure 10, Figure 10 illustrates the transaction data processing section of the present invention's queuing point sharp method; As shown in square 402,403, hold the cash account card of certain large-scale shopping plaza granting or the registered user of integration account card, on the reader device 408 of market clearing computing machine 401, scan, swipe the card, plug-in card or respond to after card, reader device is received card signal, shows that this registered user has new transaction to complete.

As shown in square 404, once described reader device successfully detects card signal, or pass through the authentication of user at transaction end, described transaction interface will show the information such as address name and part account number to user.

For the network user, only need input username and password at webpage, can complete authentication.The network user can directly utilize PC, mobile phone, flat board to log in a point sharp settlement system platform, also can log in and the website of the third party businessman oneself of point sharp settlement system platform cooperation, or in the classifieds website that is logging in and dividing the cooperation of sharp settlement system platform.

As shown in square 407, complete after clearing existing long-pending grading information in the account number that recording user name, user use immediately of the cache element in business server, market code, commercial product code, date, time, integration account user; If user reopens New Transaction in market, as shown in arrow 408, the above-mentioned information of the All Activity that cache element participates in continuation recording user.As square 409 shows, complete for the first time after transaction user, the trading card generation unit of business server by generation comprise address name, merchant code, transaction start and end time, during all commodity or service code, user account number used and the trading card of user's existing long-pending grading information in account in the time entering and leave All Activity.By the user of network entry, generally, complete shopping cart or complete payment having produced trading card for directly.

Described trading card as shown in square 410, will be sent to the communication unit of business server after producing; As shown in the square 411 of Figure 10, described communication unit will be via internet, trading card is transferred to main account settlement server, and as shown in square 416, send and confirm note and/or Email to corresponding user via internet, point out user to login and queue up and divide a sharp platform webpage to divide sharp state to pay close attention to the queuing of its transaction.

Then with reference to Figure 14, exemplary illustration the present invention queues up and divides the queuing of sharp method to divide sharp part; As shown in square 418 and square 419, data processing end is received after the trading card of described communication unit transmission, as shown in square frame 431, extract Transaction Information, the single point of sharp qualification of determining deal, calculate a point Li Edu, and divide accordingly sharp discount from the market Code obtaining extracting, integration account number, market code, the user that Transaction Information also comprises address name, user enters and leaves date, time and the existing integration of each transaction.Then as shown in square frame 432, can select the directly point sharp point profit of still queuing up for user.If select directly to divide profit, then enter square frame 425, calculate actual point sharp integration.As shown in square frame 433, if select to queue up a point profit, a point sharp volume splits into two parts according to pre-set ratio, and, for the reserved point Li Edu of reserved point of profit, for queuing up, a point sharp queuing divides Li Edu.As shown in square frame 419, parameter arranges end each issue point of sharp time interval, beginning and ending time and issue is provided, and extracts period (γ).As the example that is exemplified as in dotted line square 427, when total dealing money of trading card is 7,770, under 10% returning ratio, obtain the total score Li Jine of 770 yuan.

Calculate after total score Li Jine, as shown in square 421, the split cells in point sharp management server, according to numerical value carry system, to total score, Li Jine splits; For example, again with the example that is exemplified as in dotted line square 427, always joining the team counts is 777 o'clock, and this number is split as to 700,70,7 three numerical value; Similarly, 4040 is to be split as 4000 and 40.

After numerical value splits, as shown in square 422, the queued units in point sharp management server, according to the numerical value splitting out, adds a new queue number in corresponding value queue, and its corresponding this queue number transaction nonoculture is associated.For example, centesimal likely value queue is 100,200,300,400,500,600,700,800 and 900, and decimal likely value queue is 10,20,30,40,50,60,70,80 and 90, by that analogy; Therefore,, with the example that is exemplified as in dotted line square 428, three numerical value 700,70 and 7 that split out, have represented to add respectively a new queue number in three value queue of 700,70 and 7; It should be noted that the numerical value splitting out is at 0 o'clock, in the time queuing up, can ignore; If a former existing n queue number in 700 value queue, just the new queue number that this queue adds is n+1, and No. n+1 by with the transaction odd numbers transaction nonoculture associated that is 1234567; Similarly, m+1 and p+1 also will with No. 1234567 trading card associated.In addition, the order of queuing is to arrange according to transaction odd numbers, that is to say, the less trading card of transaction odd numbers numeral, will more first enter Fen Li troop, thereby obtain the queue number that numeral is less, also mean, the user who is associated with this trading card can more early bring back corresponding point sharp integration.

As shown in square 423, whenever a new queue number enters a certain value queue, point profit unit in point sharp management server is according to formula (3), calculates sharp number of instantly dividing of this value queue;

R＝Lq÷λ (3)

Wherein, R is for instantly dividing profit number, and Lq is the up-to-date queue number adding, the period that λ is this value queue;

If the R value calculating is integer, described point of profit unit indicates the trading card that can be R associated to this value queue queue number to divide profit to system; On the contrary, if the R value calculating is not integer, described point of profit unit indication mechanism continues to wait for that more trading cards enter this value queue, wouldn't divide profit to operate to any queue number.

With reference to the example in Figure 15, the period λ of the value queue X of example is 5, when current end, has 30 queue numbers.In the time that queue number enters X queue No. 5, described point of profit unit calculates immediately: R=Lq ÷ λ=5 ÷ 5=1; Representative instantly can be to dividing profit with the user of No. 1 associated of queue number; By that analogy, in the time that queuing commission number enters X queue No. 30, described point of profit unit calculates immediately: R=Lq ÷ λ=30 ÷ 5=6; Representative instantly can be to returning profit No. 6 with queue number.Address commission and the intermediary's commission of supposing the current period are 10%, and commission number is just 20% so altogether, are 10% for point sharp commission of queuing up, and are 10% for a reserved point sharp commission number.Therefore, the current period is while end, and point profit has been taken 50% queuing for No. 1-6 and divided sharp commission.Divide profit to take a reserved point sharp commission of 10% for No. 7-30.

Outside above-mentioned queue discipline, a point sharp platform also can arrange one or a series of special cases number; Queue number meets the trading card of special case preset rules, can skip troop and directly obtain this queue and divide accordingly sharp integration; But when this queue number will become while instantly dividing profit in future, system will no longer be carried out secondary point profit.

Again with the example that is exemplified as of dotted line square 430, when queue number become for No. n+1 700 queues instantly divide profit number, the period λ that supposes this queue is 10, returns to that to divide sharp integration with the user's of No. 1234567 associated of odd numbers of concluding the business reality be 700 × 10=7000; By that analogy, when m+1 and p+1 become respectively 70 and 7 value queue instantly divide profit time, this user also can obtain respectively 700 and 70 point sharp integration again.

Above-mentioned example can be learnt thus, and great number of the present invention divides profit, the client of raising businessman turn-head-rate that really can be to a great extent; In addition, point sharp discount and two parameters of period that queuing of the present invention divides sharp method to introduce, by the numerical value that changes two parameters, the number of point sharp integration and point speed that profit is provided are able to scientific ground control accurate, help the Business operations and the management that promote businessman.

Start with reference to Figure 10, as shown in square 412, calculating after actual point sharp integration, a point sharp integration is imported in user's integration account (413).As shown in square 413, become example according to one of the embodiment of the present invention, enter after user integral account at a point sharp integration, cashing control module (414) and will start immediately in businessman's leading subscriber end, to stop this pen point sharp integration quilt within certain default time limit to be proceeded in cash account; The described default time limit can be 30 days or one month, and also can divide the contract between sharp platform and determine according to businessman's demand or businessman and queuing, and can be by adjusting and manage with the Internal Management System of described businessman leading subscriber end.As shown in square 415, when after the cut-off of default time limit, described in cash control module and will automatically terminate control, make user divide a sharp integration proceed in cash account in this pen and cash.

Finally, as shown in square 431, divide sharp integration to enter after user integral account, the present invention's queuing point sharp system also can send a point profit and confirm to notify the communicator to user, point sharp integration of informing user's part is on the books, and reminding user this count cash reservation deadline, continue to participate in gaming to impel user Do early to get back to businessman.In addition,, in some and the signing businessman of point sharp platform of queuing up, also can provide user to divide sharp integration for offsetting the option of businessman's lodging expense, more effectively to elongate user the time that rests on businessman's consumption.

Point sharp platform of embodiment 5 large-scale shopping websites

Point sharp settlement platform of the present embodiment is applied to large-scale shopping website and large-scale merchant web site, in conjunction with point sharp method of the Y of the X businessman value of money queue shown in Figure 17, X businessman provides 10% address commission to consumer, offer intermediary's commission of well-behaved sharp settlement platform 10%, therefore divide sharp commission to add up to 20%, the sharp settlement platform of one's duty can be by 10% for point profit of queuing up, and other 10% for reserved point of profit.After the closing time of current period queue, total 1-30 point profit number referring to queuing, divide sharp rule to be: totally 5 of period λ, be respectively λ=5, λ=4, λ=3, λ=2, λ=1, according to the sequencing that adds queue, point profit number from childhood to greatly successively according to period descending divide sharp.Point profit number 1 user 1 and 6 associated with 6 obtain 50% point profit, point profit number 2 users 2 and 7 associated with 7 obtain 40% point profit, point profit number 3 users 3 and 8 associated with 8 obtain 30% point profit, point profit number 4 users 4 and 9 associated with 9 obtain 20% point profit, point profit number 5 users 5 and 10 associated with 10 obtain 10% queuing point profit.In order to compensate user 5 and 10, well-behaved sharp settlement platform is again for it takes out 10% in reserved point profit.Therefore consumer has an opportunity to take respectively 50%, 40%, 30%, 20%, 20% point profit, wherein there are 10 points of profit number corresponding users to take the difference point profit higher than 10%, remaining 20 points of profit number corresponding users, in existing in the phase of specifying, do not take point profit of queuing up, platform can be reissued to point profit number corresponding consumer who does not take point profit 10%.

The consumer that the amount of consumption is different and the businessman that carries out different discounts, also can unify a point profit at one, such as be ten yuan 20% (X businessman divides Libiee to lead) of 50 yuan (A customer consumption volumes); Be ten yuan 10% (Y businessman divides Libiee to lead) of 100 yuan (B customer consumption volumes); Be ten yuan 5% (Z businessman divides Libiee to lead) of 200 yuan (C customer consumption volumes), in their the unified queue that enters ten yuan, unifies a point profit.

Those of ordinary skill is readily appreciated that, it is point sharp that the pattern that the different amount of consumptions and identical businessman divide sharp discount can split by above-mentioned value of money too be unified.

Embodiment 6

Shown in figure 4, in figure, show the cloud processing network architecture of the present embodiment ledger profit system, clearly show that well-behaved sharp system can be served various businessmans and the various line that can produce is reached the standard grade down by interaction and commodity transaction, and can be on line with line under improve point sharp platform of online O2O (the online to offline) pattern of the Experience Degree of user to product.Cellphone subscriber 646, pc user 647, dull and stereotyped user 648, can pass through large data processing server 643, small-sized data processing server 645, communicates with main account settlement server 635.Conventional transaction user 649 also can select to communicate by settlement terminal 644 and main account settlement server 635.Several main account settlement servers 635 each other, can be by database 628 or direct swap data.Between several databases 628, also can intercourse data.Therefore, the global the present invention that distributes divides profit clearing with logining quickly and easily per family a point sharp settlement system platform, enjoy point enjoyment and a material benefit that profit is brought, illustrating user's login in conjunction with Figure 16 divides sharp platform to read the flow process of point sharp information according to the queuing of the embodiment of the present invention, after user logins 650, enter individual subscriber space 651, can check trading card list 652, check arbitrary this user's transaction 653.Above-mentioned information, by the user profile in database 628, trading card information, queueing message and point sharp information, provide by exchanges data and extraction 655.

Settlement terminal can, according to different businessmans, configure different performances, and as shown in Figure 7, settlement terminal 644 only includes trading card and produces end 603 and user side 602, and this settlement terminal is simple in structure, easy to use, and cost is cheaper.Settlement terminal as shown in Figure 8, except comprising that transaction end produces end 603 and user side 602, also comprise data processing end 604, this settlement terminal can complete multinomial processing capacity, therefore upload lump sum server 635 speed faster, be applicable to the businessman that scale and trading volume are larger and use.

Each unit at least one embodiment can comprise the circuit that is configured to carry out the required program being provided by suitable medium.For example, each unit, can be implemented as one or more processors and/or is configured to carry out executable instruction other structures of (for example comprising software and/or firmware instructions), and/or hardware circuit.In the example embodiment of each unit comprise independent hardware logic, PGA (programmable gate array), FPGA (field programmable gate array), ASIC (special IC), state machine and/or other structures, or with the combination of processor.In point sharp system of queuing up, these examples of each unit are exemplary, also can adopt other configuration.

In certain embodiments, divide the each unit in sharp settlement system can comprise memory circuit or exterior storage circuit (not shown).Memory circuit is configured to storage program, for example executable code or instruction (for example, software and/or firmware), electronic data, database or other numerical information, and this memory circuit can comprise processor usable medium.Processor usable medium can be implemented as any computer program or the goods that can comprise, store or maintain program, data and/or numerical information, and wherein said program, data and/or numerical information are by comprising queuing in example embodiment and divide the instruction execution system of the each unit of sharp system to be used or relevant to this instruction execution system.For example, example processor usable medium can comprise any one in the physical medium of electronics for example, magnetic, optics, electromagnetism, infrared or semiconductor medium and so on.Some of processor usable medium more specifically example include but not limited to portable computer diskette, for example floppy disk, compression (zip) disk, hard disk drive, random access storage device, ROM (read-only memory), flash (flash) storer, cache memory (cache memory) and/or can storage program, other configurations of data or other numerical informations.

Can realize at least some embodiment described herein or scheme with being stored in suitable memory circuit described above and being configured to control the program that suitable queuing divides the each unit of sharp system.For example, can for example, provide program by suitable medium (, comprising the medium of realizing in goods).

The above embodiment is only that the preferred embodiment of the present invention is described; not scope of the present invention is limited; design under the prerequisite of spirit not departing from the present invention; various distortion and improvement that those of ordinary skill in the art make technical scheme of the present invention, all should fall in the definite protection domain of claims of the present invention.

Claims

1. discrete point of sharp settlement system of transaction commission accumulative total value of money, comprising:

At least one user side, each described user side comprises at least one cash account or integration account;

At least one end of concluding the business, each described transaction end comprises settlement of transactions interface, identity validation unit;

Wherein: described settlement of transactions interface with complete settlement of transactions for user; Described identity validation unit and user side communication, for confirming user identity and extracting user's account information;

At least one trading card produces end, and each described trading card produces end and comprises trading card generation unit;

Described issue allocation units are for the issue of point partition profit;

Described period setting unit, for setting point sharp period of queuing up;

2. discrete point of sharp settlement system of transaction commission accumulative total value of money as claimed in claim 1, comprises at least one main account settlement server, and described parameter arranges end, value of money splits end, divides profit clearing end, payment terminals to be arranged on the main account settlement server of each described cloud.

3. discrete point of sharp settlement system of transaction commission accumulative total value of money as claimed in claim 2, described data processing end is also arranged on each described main account settlement server.

4. discrete point of sharp settlement system of transaction commission accumulative total value of money as claimed in claim 1, comprises at least one settlement terminal, and described trading card produces end and is arranged on described settlement terminal.

5. discrete point of sharp settlement system of transaction commission accumulative total value of money as claimed in claim 4, described data processing end is also on described settlement terminal.

6. discrete point of sharp settlement system of transaction commission accumulative total value of money as claimed in claim 1,

The described subelement of checking joins with described reserved point sharp subelement and database, for transferring the queued units and a point profit unit information of database, checks with a point profit number that possesses reserved point sharp qualification;

7. as claimed in claim 1 point of sharp settlement system, is characterized in that: described main account settlement server, also comprises a point sharp mode selected cell, and realize and directly divide the 3rd expense computing unit of sharp function, the 3rd point of sharp unit;

Described expense computing unit comprises the 3rd expense computing unit, and described the 3rd expense computing unit and described point of sharp mode selected cell join, for a point sharp volume for trading card is calculated as to actual point sharp integration or directly enters the 3rd point of sharp unit;

Described point of sharp unit comprises the 3rd point of sharp unit, described the 3rd point of sharp unit and described the 3rd expense computing unit join, and communicate with described cash account or integration account, for described reality being divided to the integration account of sharp integration remittance with the described user who instantly divides profit associated, or cash is directly imported in described cash account.

8. as claimed in claim 1 point of sharp settlement system, described identity validation unit is that reader device or user login unit, described user logins unit and comprises and input user name, password and safety problem.

9. as claimed in claim 1 point of sharp settlement system, described transaction end also comprises:

10. as claimed in claim 1 point of sharp settlement system, wherein:

In described point of sharp discount scope in 0.1%-99.9%;

Described period is arbitrary natural number that is greater than 1;

In described point of Libiee scope in 0.1%-99.9%;

In the scope of described pre-set ratio in 0.1%-99.9%; And

Described the first Preset Time is 24 hours.

11. as claimed in claim 9 points of sharp settlement systems, wherein: described point of sharp discount is 1.0-10.0%; Described pre-set ratio is 30-70%; Described the second Preset Time is 1 month.

12. as claimed in claim 10 points of sharp settlement systems, wherein: the current described period in each queue is different.

Discrete point of sharp settlement method of 13. 1 kinds of transaction commission accumulative total values of money, comprises the steps:

Each issue point of sharp time interval, beginning and ending time, issue, period and point Libiee are provided;

Provide a point sharp mode to select, in the time selecting directly to divide profit, directly calculate a point profit; But select to queue up while dividing profit, a point sharp volume splits into two parts according to pre-set ratio,, for a reserved point of sharp reserved point sharp volume, for queuing up, a point sharp queuing divides sharp volume;

Divide sharp volume by described queuing, according to decimal number valve system, be split as one or more fractionation numerical value;

14. as claimed in claim 13 points of sharp settlement methods, also comprise the steps:

15. as claimed in claim 14 points of sharp settlement methods, also comprise step:

16. as claimed in claim 13 points of sharp settlement methods, also comprise step: for the trading card with point sharp qualification, select directly to divide profit or point profit of queuing up;

17. as claimed in claim 13 points of sharp settlement methods, wherein:

In described point of sharp discount scope in 0.1%-99.9%;

Described period is arbitrary natural number that is greater than 1;

Described each issue time is in the scope of 1-30 days; And

Described the first Preset Time is 24 hours.

18. as claimed in claim 13 points of sharp settlement methods, wherein:

Described the second Preset Time is 1 month.

19. as claimed in claim 17 points of sharp settlement systems, wherein: the current described period in each queue is different.