CN107180301A

CN107180301A - Commodity and method for processing consumer information and system

Info

Publication number: CN107180301A
Application number: CN201710329609.7A
Authority: CN
Inventors: 周文琦
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-05-11
Filing date: 2017-05-11
Publication date: 2017-09-19

Abstract

Commodity and method for processing consumer information and system that the present invention is provided, method is：The merchandise news of the offer of production firm is provided；Purchase of merchandise pricing information is input to the first model pre-established, the extraction of pricing information is realized, obtains extracting result；Calculate the retail price information for obtaining commodity；Obtain the purchase information of consumer；According to the purchase information of buyer, based on completing to consume in real time by social security card financial account to account algorithm, consumption inventory is formed；The pricing information consumed in inventory is input to the second model pre-established, the conversion of spending amount and total mark of consumption is realized；Accumulative merging is carried out to total mark of consumption, by the 3rd model pre-established, the conversion of total mark of consumption and old-age pension is realized, the old-age pension with the total mark of consumption single-candidate after accumulative merge is obtained.Present invention employs the merchandise news of production firm is directly docked with consumer, user experience is not only increased, and improves the interests of businessman, the consumer cost of consumer has been saved.

Description

Commodity and method for processing consumer information and system

Technical field

The present invention relates to computer information technology field, more particularly to commodity and method for processing consumer information and system.

Background technology

At present, in order to improve the profit on sales of manufacturer, the cost output of each side, such as, transport can be reduced as far as possible Cost, cost of material etc.；With the fast development of internet, the species of people's selection shopping way is more and more, such as on the net Shopping is convenient and swift；But people are generally desirable to save cost cost, buy the commodity admired.But in the prior art, usual business Profit on sales is improved in field by being promoted to commodity discounting, and people save cost cost by way of buying discounting commodity. But in fact, commodity so will virtually reduce manufacturer into consumer's hand from production firm by repeatedly distribution Profit on sales, improves the retail price of commodity.

Therefore, defect of the prior art is that existing goods are sold, all by manually realizing, not by intelligence Analysis, causing the profit of commodity reduces, consumer purchase commodity retail price improve, influence Consumer's Experience.

The content of the invention

For above-mentioned technical problem, the present invention provides a kind of commodity and method for processing consumer information and system, by business The analysis of product information and consumption information, the merchandise news of production firm is directly docked with consumer, user's body is not only increased Degree of testing, and the interests of businessman are improved, save the consumer cost of consumer.

In order to solve the above technical problems, the technical scheme that the present invention is provided is：

In a first aspect, the present invention provides a kind of commodity and method for processing consumer information, including：

Step S1, obtains the merchandise news of the offer of production firm, including trade name information and corresponding purchase of merchandise Pricing information；

Step S2, the purchase of merchandise pricing information is input to the first model pre-established, realizes pricing information Extract, obtain extracting result；

Step S3, according to the extraction result, calculates the retail price information for obtaining commodity, different commodity correspondences is different Retail price information；

Step S4, obtain consumer purchase information, including purchase commodity name information, correspondence quantity purchase information and The pricing information of the every kind of commodity of correspondence；

Step S5, according to the purchase information of the buyer, based on complete by social security card financial account to account algorithm in real time Into consumption, consumption inventory is formed；

Step S6, the pricing information in the consumption inventory is input to the second model pre-established, realizes consumption gold The conversion of volume and total mark of consumption, obtains the total mark of consumption of equal value with spending amount in the consumption inventory；

Step S7, accumulative merging is carried out to the total mark of consumption, by the 3rd model pre-established, total mark of consumption is realized With the conversion of old-age pension, obtain the old-age pension with the total mark of consumption single-candidate after accumulative merges, the consumption actively divide at least from One consumer.

Commodity and method for processing consumer information that the present invention is provided, its technical scheme is：The offer of production firm is provided Merchandise news, including trade name information and corresponding purchase of merchandise pricing information；By purchase of merchandise pricing information input To the first model pre-established, the extraction of pricing information is realized, obtains extracting result；According to the extraction result, calculate To the retail price information of commodity, the different retail price information of different commodity correspondences；Obtain the purchase information of consumer, bag Include the pricing information of the name information, correspondence quantity purchase information and the every kind of commodity of correspondence of purchase commodity；According to the buyer Purchase information, based in real time to account algorithm pass through social security card financial account complete consumption, formed consumption inventory；By the consumption Pricing information in inventory is input to the second model pre-established, realizes the conversion of spending amount and total mark of consumption, obtain with Spending amount total mark of consumption of equal value in the consumption inventory；Accumulative merging is carried out to the total mark of consumption, by pre-establishing The 3rd model, realize the conversion of total mark of consumption and old-age pension, obtain the old-age pension with the total mark of consumption single-candidate after accumulative merge, The consumption actively divides at least from a consumer.

Commodity and method for processing consumer information that the present invention is provided, will by the analysis to merchandise news and consumption information The merchandise news of production firm is directly docked with consumer, not only increases user experience, and improves the interests of businessman, section The about consumer cost of consumer.

Further, the step S5, be specially：

Obtain the transaction amount information in the purchase information of the consumer by payment terminal, and by the dealing money Information transfer to receipt and payment server, the payment terminal and the bank account of the production firm is bound；

According to the transaction amount information, by Unionpay's standard consumer transaction interface in Unionpay's server, button is described in real time The social security card financial account account balance of consumer, and send transaction successful information to the receipt and payment server；

The receipt and payment server calculates real-time inter-bank according to the transaction amount information and consumes service charge, with reference to according to institute State transaction successful information formation and call signaling, call signaling to send to receipts single file server by described；

The receipts single file server is called after signaling described in detecting, and the bank account pair of the production firm is triggered in real time That answers transfers interface, is gone to the deserved settlement amounts of the production firm by the payment terminal special inside advance expenditure account The bank account of the production firm, completes consumption, forms consumption inventory.

Further, in addition to mistake inventory process step, it is specially：

In the scheduled time, account clearance is carried out to the payment terminal by Unionpay's server, clearance inventory is formed；

The clearance inventory is sent to the receipts single file server and carries out reconciliation and Error disposal, mistake inventory is formed；

According to the mistake inventory, the real-time inter-bank consumption service charge and the transaction successful information, letter is called in formation Order, calls signaling to send to receipts single file server by described.

Further, the step S7, be specially：

Step S71, accumulative merging is carried out to the total mark of consumption, obtains merging total mark of consumption, positive point of the consumption is extremely Less from a consumer；

Step S72, according to the merging total mark of consumption, submits application；

Step S73, according to the application, is judged by the 3rd model pre-established, obtains result of determination：

If the preset rules in the 3rd model pre-established described in the application satisfaction, into step S74, are otherwise returned Step S71；

Step S74, according to the result of determination, the merging total mark of consumption is converted into the old-age pension of single-candidate.

Further, in the step S5, the purchase information of the consumer also includes dispatching demand information；

Commodity distribution is carried out according to the dispatching demand information；

After the completion of dispatching, based on completing to consume in real time by social security card financial account to account algorithm, consumption inventory is formed.

Second aspect, the invention provides a kind of commodity and consumption information processing system, including：

Merchandise news acquisition module, the merchandise news of the offer for obtaining production firm, including trade name information and Corresponding purchase of merchandise pricing information；

Price extraction module, for the purchase of merchandise pricing information to be input into the first model pre-established, is realized The extraction of pricing information, obtains extracting result；

Retail price acquisition module, it is different for according to the extraction result, calculating the retail price information for obtaining commodity The different retail price information of commodity correspondence；

Data obtaining module is bought, the purchase information for obtaining consumer includes the name information, correspondingly of purchase commodity The pricing information of quantity purchase information and the every kind of commodity of correspondence；

Inventory generation module is consumed, for the purchase information according to the buyer, based on passing through society to account algorithm in real time Protect card financial account and complete consumption, form consumption inventory；

Total mark of consumption conversion module, for the pricing information in the consumption inventory to be input into the second mould pre-established Type, realizes the conversion of spending amount and total mark of consumption, obtains the total mark of consumption of equal value with spending amount in the consumption inventory；

Old-age pension conversion module, for carrying out accumulative merging to the total mark of consumption, by the 3rd model pre-established, The conversion of total mark of consumption and old-age pension is realized, the old-age pension with the total mark of consumption single-candidate after accumulative merge, the consumption product is obtained Pole point is at least from a consumer.

Commodity and consumption information processing system that the present invention is provided, its technical scheme is：By merchandise news acquisition module, The merchandise news of the offer of production firm, including trade name information and corresponding purchase of merchandise pricing information are provided；Pass through valency Lattice extraction module, the purchase of merchandise pricing information is input to the first model pre-established, realizes the extraction of pricing information, Obtain extracting result；By retail price acquisition module, according to the extraction result, the retail price letter for obtaining commodity is calculated Breath, the different retail price information of different commodity correspondences；

By buying data obtaining module, the purchase information of consumer is obtained, include the name information, correspondingly of purchase commodity The pricing information of quantity purchase information and the every kind of commodity of correspondence；By consuming inventory generation module, according to the purchase of the buyer Information is bought, based on completing to consume in real time by social security card financial account to account algorithm, consumption inventory is formed；Turned by total mark of consumption Change module, the pricing information in the consumption inventory is input to the second model pre-established, spending amount and consumption is realized The conversion of integration, obtains the total mark of consumption of equal value with spending amount in the consumption inventory；By old-age pension conversion module, to institute State total mark of consumption and carry out accumulative merging, by the 3rd model pre-established, realize the conversion of total mark of consumption and old-age pension, obtain With the old-age pension of the total mark of consumption single-candidate after accumulative merge, the consumption actively divides at least from a consumer.

Commodity and consumption information processing system that the present invention is provided, will by the analysis to merchandise news and consumption information The merchandise news of production firm is directly docked with consumer, not only increases user experience, and improves the interests of businessman, section The about consumer cost of consumer.

Further, the consumption inventory generation module, specifically for：

Further, in addition to mistake inventory processing module, specifically for：

Further, the old-age pension conversion module, specifically for：

First old-age pension converts submodule, for carrying out the total mark of consumption accumulative merging, obtains merging total mark of consumption, The consumption actively divides at least from a consumer；

Second old-age pension converts submodule, for according to the merging total mark of consumption, submitting application；

3rd old-age pension converts submodule, for according to the application, being judged by the 3rd model pre-established, Obtain result of determination：

If the preset rules in the 3rd model pre-established described in the application satisfaction, into the 4th old-age pension transformant Module, otherwise returns to the first old-age pension conversion submodule；

4th old-age pension converts submodule, for according to the result of determination, the merging total mark of consumption to be converted into The old-age pension of volume.

Further, in the consumption inventory generation module, the purchase information of the consumer also includes dispatching demand and believed Breath, specifically for：

Brief description of the drawings

, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical scheme of the prior art The accompanying drawing used required in embodiment or description of the prior art is briefly described.

Fig. 1 shows the flow chart of a kind of commodity that the embodiment of the present invention provided and method for processing consumer information；

Fig. 2 shows a kind of commodity that the embodiment of the present invention provided and the schematic diagram of consumption information processing system.

Embodiment

The embodiment of technical solution of the present invention is described in detail below in conjunction with accompanying drawing.Following examples are only used for Clearly illustrate technical scheme, therefore be intended only as example, and the protection of the present invention can not be limited with this Scope.

Based on technical scheme, system platform is built, the free purchase experiences of social security card financial account are may be configured to Center consumption mode：

First, we the purpose for the arrangement is that whatSwiped the card purchase and consumption by using social security card financial account, set up consumption mutual Supplement social old-age insurance fund is helped, the free medical insurance of the whole people and differential endowment is realized.

2nd, consumption mode：Current first purchase and consumption of being swiped the card with social security card financial account of the country, single-candidate is exchanged and gets supplement Social old-age insurance gold pilot body.With social security card (accounts of finance function) purchase and consumption of swiping the card, mandatory retirement year is reached Age (65 one full year of life), the full minimum amount of consumption (kinsfolk's consumption merges accumulative up to 60,000 yuan), you can application single-candidate, which is exchanged, gets benefit Fill social old-age insurance gold.Lead 500 yuan every month, lead 6000 yuan within 1 year, reclaim 60,000 yuan within 10 years.Equivalent to flower, how much deposits many Few old-age pension, it may also be said to which sons and daughters spend to consume, and are equal to parents and have paid old-age pension.

3rd, the property of supplement social old-age insurance gold：Swiped the card with social security card financial account purchase and consumption, single-candidate application is exchanged The supplement social old-age insurance gold got, the consumption mutual assistance set up by innovating consumption mode supplements endowment insured fund granting, It is that mutually Ji mutual assistance ensures behavior for a kind of society.Similar to Commercial Endowment, and absolutely not it is insurance.Similar to national social security, Medical insurance, and be absolutely not action by government.This method of salary distribution is more closely similar to multiple level marketing and sells mechanism bonus allocation model directly to households, but again exhausted It is irrelevant to being sold directly to households with multiple level marketing.Because we do not want red cent to whole process to country, red cent is not collected to the enterprise of participation, Red cent is not collected to common people.Here it is a kind of simplest consumption and financing mode, as long as changing consumption idea, changes Become custom of spending, everyone can be oneself to save out this support cost.

4th, funds source：The Unionpay pos machine systems for settling account that we are provided by third party, by the financial account of whole social security cards Number holder is coupled to a huge consumption group, then the direct selling platform built by technical solution of the present invention, asks all kinds of business Product manufacturing enterprise and service organization are freely joined, and cancel all circulation intermediate links and market rent, first help to enter trade company's drop Low selling cost, then when requiring that they sell products ＆ services by market average retail price, to be swiped the card with social security card financial account The holder of purchase and consumption provides eighty percent discount, that is, unifies interest concessions 20%.Wherein 5% as system operation capital, a part Rental charge for leasing market and storehouse a, part is used for bank payment settlement service charge and system development maintenance expense.Separately Outer 15% deposits pipe agreement by the system platform and third-party platform signing fund, as consumption mutual assistance supplement social old-age insurance base Gold, the commission bank of deposit or local social security center, are periodically that the old man for meeting application condition provides supplement social old-age insurance gold.

5th, the social old-age insurance gold of supplement how can just be received

1st, with social security card financial account preset rules the free purchase experiences center bankcard consumption of social security card financial account, Or in cooperation trade company of love coalition of companies bankcard consumption, you can obtain bank card consumption integration (fixed point consumption).

2nd, minimum charge amount is reached, mandatory age for retirement (quota, full age) is reached.It is assumed that some family old man and children There are 8 people to hold social security card financial account bankcard consumption, this 8 card totals mark of consumption reach that 60,000 integrations, i.e. family circle are total and disappeared after merging Take full 60,000 yuan, this old man just expires 65 one full year of life (retirement age of international endorsement) or alreadyd exceed for 65 one full year of life, with social security card gold Melt the personal bank card transaction details flowing water inventory (personal bank card statement) that account issuing bank sales counter goes out evidence, it is possible to The system platform of the present invention proposes that supplement social old-age insurance gold application is got in exchange.

3rd, comparing.Receive holder to exchange after application, system platform of the invention applies for number to commercial company of Unionpay According to comparison, proofreaded, subtracted not in the system by pen by personal bank card check sheet and Unionpay's commercial affairs Pos machine transaction journal odd numbers The amount of money of consumption, you can determine the accurate redemption amount of this application.

4th, provide.Annual January 1 to March 30 accepts the phase to exchange application., must be in next year Shen more than the date Please.Four to June is the comparing phase, provides determined by comparison tempo day first, preceding at the bottom of annual June to provide first 6 months , 6 months after being provided in the past at the bottom of December.Everyone monthly pays for minimum 500 yuan, and 5000 yuan are ceiling.Once apply, It is continuous to provide 10 years.

6th, sphere of consumption：Early stage is eaten with daily, is drunk, and is worn, based on, and the later stage gradually permeates the public payment of intervention, and automobile disappears Take, house consumption and medical Medical Consumption realize consumer field all standing.

7th, quality assurance：The product of the system sale is all the quality product of domestic and international esbablished corporation production, product quality Directly ensured by producer.Counterfeit and shoddy goods do not have sales opportunnities.

8th, site is set and delivery service.The whole county sets 350 rural areas and community convenience service organization, combines 20 flowings Vendors' cart undertakes distribution delivery service.200 taxi drivers are recruited as part-time dispatching partner.On-line off-line synchronization, leads to Crossing mobile phone APP can be with done through network, and taxi driver can be with competition for orders home delivery service.

9th, how site and part-time dispatching person earn money

1st, as love coalition of companies partner, go the registration of market surveillance management board to obtain business license, apply for Unionpay business The pos machines of business, you can start the business.

2nd, distribute.Stocked up by traditional mode from producer, take out differences between purchasing and selling price 15% and set up consumption mutual assistance supplement pension fund With 5% system operation expense, remainder is site profit.Stocked up by normal swipe consumption price, brush is sold to original cost Block the holder of shopping, the total mark of consumption of earning 80% earns 80% old-age pension as excess by exchanging old-age pension mode Profit.This process needs to complete within 10 years to cash.The expense that producer can take out 10---15% in addition is subsidized as distribution, to return Point mode pays site or taxi driver.

Tenth, the shop of serving the meal can make a lot of money：The shop greateset risk of serving the meal is that customer to be had visits and had a meal, and to control purchase cost. As Heng Ganxiang loves coalition of companies partner, it is preferential to be that customer uniformly gives twenty percent discount, and brush social security card financial account is checked equal to exempting from Expense is had dinner, and opens the restaurant of same scale, and your restaurant can have a full house everyday.Swiped the card with the social security card financial account of oneself purchase rice, Face, oil, meat, egg, the various raw material such as drinks, cost of material zero, money-making does not have profound thought.

11, the peasant and professional rich and influential family for being engaged in aquaculture planting industry will turn into most enviable occupation, agricultural production Risk is big, and the cycle is long, slowly effect, slightly mishap, will can't regain one's original capital, go bankrupt or broke.Swiped the card and bought with social security card financial account Piglet, lamb, baby chick, then feed is bought, plant ground rich and influential family and buy seed, mulch film, chemical fertilizer, agricultural chemicals is bought in advance equivalent to oneself A agricultural production risk premium, no matter production result, the capital of producer's input is all deposited with supplementing old-age pension form In the social security card financial account account of oneself, that does not sustain economic losses says, only earns and earns few difference more.

12, think that quick fortunes just go to sell potato.Enveloping field potato is of fine quality, and amount is big, but does not create more wealth to enveloping field people It is rich.If large plantation family, from source, sale is swiped the card clearing with regard to initiative whole seller with social security card financial account, equivalent to us The insurance of a price is gone up to them, no matter how the market price fluctuates, they can control the market price, or even they at the moment Can be by active price reduction come price of controlling the market.In any case, they can account for actively.Think that the young man of quick fortunes does not imitate to set up The potato Marketing group of people from enveloping field oneself, not only can allow enveloping field potato to become gold egg, moreover it is possible to be accounted in national potato selling market According to the driver's seat.

13, reasonable consumption, benefits other people as well as oneself, consumption mutual assistance supplement Social securty, is the medical insurance basis in national social security On members of society between mutual Ji mutual assistance, be a kind of added machinery to national safeguards system, be not money platform.Rationality disappears Take, rational investment is maintaining system safety, the basis of sound and stable operation, any speculative consumer behavior will all be drastically punished.If Attempt to take supplement old-age pension by joining silver-colored commercial affairs Pos machine terminal brush cutting ferrules, what trade company faced first will hand in 17% sale increasing retroactively It is worth tax, 40% Individual Income Tax, 1--5 times of penalty risk of amount involved in malfeasance；Secondly termination cooperation agreement will be faced, cancelling Pos machines makes With qualification, person ownership total mark of consumption is confiscated, and must not apply for supplementing the punishment of social pension insurance money all the life.

It should be noted that in the present invention in the form of third-party involvement carry out account fund sorting, by this platform with Trade company signs a contract, and sets up two bank accounts, and by the unified interest concessions 20% of trade company, 80% passes through a third-party bank account 0.6% be directly entered in the account of trade company, 20% enters third-party platform as the service charge to bank account, 4.4% First account (basic account), for system operation, in addition 15% as consumption mutual assistance supplement social old-age insurance fund, Supervised by third-party second bank account, the payment terminal of consumer is flat with production firm's account and third party respectively Platform agio bank commission account is bound, and traditional sorting mode, which only has in bank and merchant account binding, the present invention, adds the 3rd Side participates in sorting, and to two account sortings of two different banks of deposit, whole fund sorting modes is synchronous real-time Carry out, using such a sorting mode, be different from traditional account sorting mode, it is ensured that the safety of each side's account.

Embodiment one

For realizing above-mentioned business model, realized based on following technical scheme, Fig. 1 shows that the embodiment of the present invention is carried A kind of commodity and the flow chart of method for processing consumer information supplied；As shown in figure 1, a kind of commodity and the consumption of the offer of embodiment one Information processing method, including：

Step S2, purchase of merchandise pricing information is input to the first model pre-established, realizes the extraction of pricing information, Obtain extracting result；

Step S3, according to result is extracted, calculates the retail price information for obtaining commodity, different commodity correspond to different zero Sell pricing information；

Step S5, according to the purchase information of buyer, completes to disappear to account algorithm based on real-time by social security card financial account Take, form consumption inventory；

Step S6, the second model for pre-establishing is input to by the pricing information consumed in inventory, realize spending amount with The conversion of total mark of consumption, obtains the total mark of consumption of equal value with spending amount in consumption inventory；

Step S7, accumulative merging is carried out to total mark of consumption, by the 3rd model pre-established, realizes total mark of consumption with supporting Lao Jin conversion, obtains the old-age pension with the total mark of consumption single-candidate after accumulative merge, and consumption actively divides at least from a consumption Person.

Commodity and method for processing consumer information that the present invention is provided, its technical scheme is：The offer of production firm is provided Merchandise news, including trade name information and corresponding purchase of merchandise pricing information；Purchase of merchandise pricing information is input to pre- The first model first set up, realizes the extraction of pricing information, obtains extracting result；According to result is extracted, calculating obtains commodity Retail price information, the different retail price information of different commodity correspondences；Obtain the purchase information of consumer, including purchase business The pricing information of the name information of product, corresponding quantity purchase information and the every kind of commodity of correspondence；According to the purchase information of buyer, base In completing to consume in real time by social security card financial account to account algorithm, consumption inventory is formed；The pricing information in inventory will be consumed The second model pre-established is input to, the conversion of spending amount and total mark of consumption is realized, obtained with consuming gold in consumption inventory Volume total mark of consumption of equal value；Total mark of consumption is carried out it is accumulative merge, by the 3rd model pre-established, realize total mark of consumption with The conversion of old-age pension, obtains the old-age pension with the total mark of consumption single-candidate after accumulative merge, and consumption actively divides to disappear at least from one Fei Zhe.

By the method in the present invention, commodity can be placed directly in flat by the platform that platform provider product are sold, production firm Shop is sold or be directly entered on the enterprising line of platform enter and sold under line, save the selling cost of businessman；Pass through what is pre-established First model, i.e., be returned to the certain fund of platform according to the certain proportion of market price, and this part fund can be used for maintenance platform, makees The fund reserve of nest egg gold.Then certain discount is beaten on the basis of the market price as the retail price of commodity, consumption After person's purchase commodity, consumption clearing are carried out by social security card financial account, while consumption, by arriving account algorithm in real time by commodity The peaceful account family of account that the corresponding amount of money throws manufacturer into respectively according to default ratio.Then by pre-establishing Second model, total mark of consumption is changed into by each spending amount, and total mark of consumption can be accumulated.Finally by pre-established Three models, total mark of consumption accumulation arrive certain amount after, submit application, after examination ＆ verification, it is qualified can be by total mark of consumption The old-age pension of equivalence is converted into, old-age pension account is thrown into.

Wherein, total mark of consumption can be not limited to what same social security card financial account accumulation was obtained, can be how personal disappear Expense integration adds up what is obtained.

Wherein, by the first model pre-established, according to 30% rebating of the market price, wherein 5% fund conduct Operation capital, draw bank payment and settlement service charge and the exploitation of platform are safeguarded, and pay the lease of market and storage storehouse Expense.Wherein 15% is supervised by platform where this method, as consumption mutual assistance supplement social old-age insurance fund, can be entrusted Recognition of state legal entity is periodically issued to the pension fund account for meeting application condition old man.Others 10% are as to consumption The interest concessions of person, commodity are given a discount and sold, and attract more consumers.

Specifically, social security card financial account holder is registered as member by social security card financial account real name, uses social security Card financial account bankcard consumption at some specified businessmans, free medical care can be obtained by total mark of consumption and ensures service and poor Hua not support parents service.The rebating amount of money that production firm provides is redistributed by platform, under the premise of membership Rights are ensured, obtained Take corporate finance mechanism financing deposition to share in the benefit, Operating profit is obtained by investing entities economy, enterprise is obtained by platform construction With personal consumption data there is provided enterprise, personal reference service obtains financial institution's purpose loan and shared in the benefit.

Preferably, step S5, be specially：

The transaction amount information in the purchase information of consumer is obtained by payment terminal, and transaction amount information is transmitted To receipt and payment server, the bank account binding of payment terminal and production firm；

According to transaction amount information, detain consumer's in real time by Unionpay's standard consumer transaction interface in Unionpay's server Social security card financial account account balance, and send transaction successful information to receipt and payment server；

Receipt and payment server calculates real-time inter-bank according to transaction amount information and consumes service charge, successfully believes with reference to according to merchandising Signaling is called in breath formation, and signaling will be called to send to receipts single file server；

Receipts single file server, which is detected, to be called after signaling, and corresponding transfer of bank account of the production firm of triggering in real time connects Mouthful, the deserved settlement amounts of production firm are gone to bank's account of production firm by payment terminal special inside advance expenditure account Family, completes consumption, forms consumption inventory.

The real-time distribution of spending amount can be realized by the above method, wherein payment terminal can be POS, receipt and payment server It may be provided in each market, Unionpay's server is arranged in bank.

Preferably, in addition to mistake inventory process step, it is specially：

In the scheduled time, account clearance is carried out to payment terminal by Unionpay's server, clearance inventory is formed；

Clearance inventory is sent to the progress reconciliation of single file server and Error disposal is received, mistake inventory is formed；

According to mistake inventory, real-time inter-bank consumption service charge and transaction successful information, formation calls signaling, will call signaling Send to receipts single file server.

Periodically spending amount is collected, cleared, the spending amount of some omissions is supplemented, to some mistakes Consumption sum is modified, and makes the average of amount of money distribution.

Preferably, step S7, be specially：

Step S71, carries out adding up to merge to total mark of consumption, obtains merging total mark of consumption, consumption actively divides at least from one Position consumer；

Step S72, according to total mark of consumption is merged, submits application；

Step S73, according to application, is judged by the 3rd model pre-established, obtains result of determination：

If application meets the preset rules in the 3rd model that pre-establishes, into step S74, otherwise return to step S71；

Step S74, according to result of determination, merging total mark of consumption is converted into the old-age pension of single-candidate.

Preferably, in step S5, the purchase information of consumer also includes dispatching demand information；

Commodity distribution is carried out according to dispatching demand information；

After consumption, home delivery service can be selected, consumer is achieved that by consumption terminal and can bought at home Commodity, can equally cash on delivery done through network.In this way, safe and convenient, improves user experience.

Second aspect, referring to Fig. 2, the invention provides a kind of commodity and consumption information processing system 10, including：

Merchandise news acquisition module 101, the merchandise news of the offer for obtaining production firm, including trade name information And corresponding purchase of merchandise pricing information；

Price extraction module 102, for purchase of merchandise pricing information to be input to the first model pre-established, realizes valency The extraction of lattice information, obtains extracting result；

Retail price acquisition module 103, it is different for according to result is extracted, calculating the retail price information for obtaining commodity The different retail price information of commodity correspondence；

The name information of purchase data obtaining module 104, the purchase information for obtaining consumer, including purchase commodity, The pricing information of correspondence quantity purchase information and the every kind of commodity of correspondence；

Inventory generation module 105 is consumed, for the purchase information according to buyer, based on passing through social security to account algorithm in real time Card financial account completes consumption, forms consumption inventory；

Total mark of consumption conversion module 106, for the pricing information consumed in inventory to be input into the second mould pre-established Type, realizes the conversion of spending amount and total mark of consumption, obtains the total mark of consumption of equal value with spending amount in consumption inventory；

Old-age pension conversion module 107, for carrying out accumulative merging to total mark of consumption, by the 3rd model pre-established, The conversion of total mark of consumption and old-age pension is realized, the old-age pension with the total mark of consumption single-candidate after accumulative merge is obtained, consumption actively divides At least from a consumer.

Commodity and consumption information processing system 10 that the present invention is provided, its technical scheme is：Mould is obtained by merchandise news Block 101, obtains the merchandise news of the offer of production firm, including trade name information and corresponding purchase of merchandise pricing information； By price extraction module 102, purchase of merchandise pricing information is input to the first model pre-established, pricing information is realized Extract, obtain extracting result；By retail price acquisition module 103, according to result is extracted, the retail price for obtaining commodity is calculated Information, the different retail price information of different commodity correspondences；

By buying data obtaining module 104, obtain the purchase information of consumer, including purchase commodity name information, The pricing information of correspondence quantity purchase information and the every kind of commodity of correspondence；By consuming inventory generation module 105, according to buyer's Information is bought, based on completing to consume in real time by social security card financial account to account algorithm, consumption inventory is formed；Pass through total mark of consumption Conversion module 106, the pricing information consumed in inventory is input to the second model pre-established, realizes spending amount and consumption The conversion of integration, obtains the total mark of consumption of equal value with spending amount in consumption inventory；By old-age pension conversion module 107, offset Take integration and carry out accumulative merging, by the 3rd model pre-established, realize the conversion of total mark of consumption and old-age pension, obtain and tire out The old-age pension of total mark of consumption single-candidate after meter merging, consumption actively divides at least from a consumer.

Commodity and consumption information processing system 10 that the present invention is provided, by the analysis to merchandise news and consumption information, The merchandise news of production firm is directly docked with consumer, user experience is not only increased, and improves the interests of businessman, The consumer cost of consumer is saved.

Preferably, consumption inventory generation module 105, specifically for：

Preferably, in addition to mistake inventory processing module, specifically for：

Preferably, old-age pension conversion module 107, specifically for：

First old-age pension converts submodule, for carrying out accumulative merging to total mark of consumption, obtains merging total mark of consumption, consumption Actively divide at least from a consumer；

Second old-age pension converts submodule, for according to total mark of consumption is merged, submitting application；

3rd old-age pension converts submodule, for according to application, being judged by the 3rd model pre-established, being obtained Result of determination：

If application meets the preset rules in the 3rd model pre-established, submodule is converted into the 4th old-age pension, it is no Then return to the first old-age pension conversion submodule；

4th old-age pension converts submodule, for according to result of determination, merging total mark of consumption to be converted into the endowment of single-candidate Gold.

Preferably, in consumption inventory generation module 105, the purchase information of consumer also includes dispatching demand information, specifically For：

Embodiment two

Based on a kind of commodity and method for processing consumer information and system in embodiment one, passing through social security card financial account During carrying out e-payment, it is ensured that the trading account safety of consumer, else if there is safety in process of exchange Risk, can make commodity and method for processing consumer information and system operation in the present invention unstable, directly affect Consumer's Experience.Base A kind of method of risk supervision is present embodiments provided in this, concrete scheme is as follows：

S10, Data Collection is with pretreatment, and the data that will be stored in operation system are collected in the way of real-time or batch Into Distributed Storage platform, such as using Storm and HDFS, and by parallel calculating method, such as MapReduce, Data are arranged in units of session and account；

S20, model construction extracts overall objective to the historical sample data put in order and handled with individual index, and uses Statistical method, according to data distribution Classification Index characteristic interval, is that each characteristic interval sets a risk score value；

Overall objective and individual index are extracted in S30, risk analysis to account data to be evaluated, and by the feature of index Value characteristic interval corresponding with the risk score that model construction is exported is compared, and obtains the risk score value of the index, by institute The risk score value weighted comprehensive for having index obtains the account final risk score result, and is the account according to risk class Carry out risk class evaluation.

Wherein, time category information, transaction category information and client category information of the input of model mainly for account are built.

Wherein, account to be evaluated refers to the account for carrying out electronic transaction by social security card financial account after purchase commodity Family.

Wherein, overall objective includes time class index and transaction class index；Individual index includes time class index, transaction class Index, client class index and relation object index.

It should be noted that for overall objective and individual index, pointer type is not quite similar, and used system Metering is also differed, for example, overall objective includes：Time class index and transaction class index etc.；Individual index includes：Time class refers to Mark, transaction class index, client class index and relation object index etc..And for example, the statistic of use include probability distribution, The types such as value-variance.The objects of statistics of overall class index is total user, and the objects of statistics of individual class index is unique user； Overall class index is more focused on overall distribution, and individual class index pays close attention to personal habits.

Preferably, the process for being detected and being evaluated to account includes feature extraction, fraud detection, three portions of risk assessment Point：

A) feature extraction is the overall objective feature and individual index feature for obtaining account, composition characteristic vector；

B) each component in characteristic vector is compared by fraud detection with the characteristic interval of corresponding index, and is produced corresponding Risk score；

C) risk assessment by the risk score of each component in characteristic vector according to the relation and vector between the vector Importance be weighted summation, obtain the risk score result for the account, and by the risk score result according to setting Risk level threshold obtains qualitatively risk evaluation results.And judge that the account whether there is fraud.The risk class The generation of threshold value, the distribution situation according to all risk score results in phase of history interval is set, and forms different wind Dangerous grade, for example：Excessive risk, risk, low-risk etc..

Wherein, risk level threshold is set according to the distribution situation of all risk score results in phase of history interval It is fixed, different risk class are formed, are then compared consumer's risk score value scoring interval corresponding with risk class, such as Fruit falls in the interval, then user delimited as the risk class.

Preferably, S20 idiographic flow：

S201, extracts index feature value, such as using probability distribution, Mean-Variance, Markov chain；

S202, the characteristic interval of index is obtained using statistical method, such as using clustering method to feature according to distribution Value is polymerize, if being polymerized to 3 centers, then it is assumed that the characteristic interval of the index can be confirmed as 3, and interval side Boundary is defined as cluster boundary；

Wherein, characteristic value is polymerize using clustering method, the middle calculation obtained after polymerization is drawn as the index The characteristic interval quantity divided, and interval border is defined as cluster boundary；Then according in characteristic interval sample sample it is different Chang Chengdu carries out value-at-risk setting, i.e. sampling samples abnormality degree and gets over low-risk value being set to low, and the setting of opposite value-at-risk is higher.

S203, determines risk score, and the intensity of anomaly sampled according to sample in characteristic interval carries out value-at-risk setting, that is, takes out All abnormality degree gets over low-risk value and is set to low, and the setting of opposite value-at-risk is higher.

When there is account to carry out risk analysis, into step S30.It can specifically include：Risk score is calculated and levels of risk Do not determine.

Risk score is calculated, including：

S301 obtains the overall objective of account to be analyzed by characteristic extraction procedure, is detected by overall objective model Account risk score under the model is surveyed, there can be multiple indexs, a series of indexs are carried out according to index relation and important Degree is weighted cumulative, obtains end value 1.

S302 obtains the individual index of account to be analyzed by characteristic extraction procedure, is detected by individual index model The risk score of account under the model is surveyed, there can be multiple indexs to pass through the data and account, historical statistics index normal sample Deviation and threshold interval between relation obtain correspondence value-at-risk, added up, obtain end value 2.

S303 end value 1 and end value 2 are weighted it is cumulative, obtain account ultimate risk scoring.

Risk class determination, including：

S311 carries out risk class division according to the distribution of all risk score results in historical data, divides for example, using The method of section fitting obtains different risk class；

Consumer's risk score value scoring interval corresponding with risk class is compared by S312, if fallen in the interval In, then user delimited as the risk class.

Above-mentioned S10 to S30 implementation procedure is described in detail with specific example below.

In this example, two kinds of models are built, are respectively：

Overall objective is set：For example, operation duration etc..

Individual setup measures：For example, time bracket etc..

Wherein, belong to the measurement index of all account behavioural habits, belong to the measurement index of single account behavioural habits, and Characteristic interval selection, different interval correspondence value-at-risks are set, and score value is at 0-10 points, and the initial risk values of account are all 0, no With index be weighted it is cumulative after, overall objective is weighted summation with individual index and obtains final risk score value again.

In this example, initial data is handled under big data processing platform Hadoop, then：

1) initial data is arranged in units of session, using session as Key, and initial data is Value；

2) model construction part carries out the feature extraction of correspondence index to the data collected, for example, in overall objective Operate the time bracket in duration and individual index：

A) it is regular：Operate duration to carry out piece wise least square method fitting, 4 different characteristic intervals are obtained, to each interval Session be sampled and check, it is found that the natural rate of interest of the shorter interval sampling data of operation duration is higher therefore long according to the time The short correspondence value-at-risk that once sets is designated as r as 0,1,5,10₁；

Rule：Time bracket is divided into 24 intervals in units of hour, and record account historical operating time section is calculated The frequency that account is operated within the past period in interval, the different frequency represents different value-at-risks, for example, all In sample data, the number of times that account is operated at the morning 9 is 10 times, and the number of times operated during afternoon 3 is 5, the operation time of other periods Number is 0, then value-at-risk during when can consider the morning 9 and afternoon 3 is 0, and the value-at-risk of other periods is 1, is designated as r₂；

3) risk analysis part can be divided into risk score and calculate and risk class determination：

A) risk score is calculated, and is weighted cumulative by the result of rule and rule, is obtained the wind of one session of the account Dangerous appraisal result value, R=r₁* 10%+r₂* 90%, multiple sessions obtain overall risk score value in the way of weighted accumulation.

B) risk class is determined, by historical risk distribution of grading, calculates risk demarcation interval, for example, can be used Piece wise least square method fitting obtains suitable border, and devoid of risk, low-risk, risk, four ranks of excessive risk are divided at present, Then R is compared from the Risk interval of different risk classes, it is determined that the risk class of final account.

To the data of detection, including detect that sample data, excessive risk account and medium to low-risk account data etc. further divide Analysis, the problem of finding excessive risk account includes：

Operation duration, operation amount in overall objective class detect exception；

Operation duration, operation amount, IP address change in individual class index, exchange hour, trading object, transaction Code detects exception.

In summary, risk checking method of the invention by big data processing platform to account behavior whether with all accounts Family overall objective and the consistent carry out fraud detection of individual index, and it is corresponding with risk class according to the risk score value Relation determines whether fraud account, and in the unit interval independently set to detecting that the predefined rule of account is carried out more Newly with supplement, when a large amount of accounts are detected, model construction is divided into overall objective and account index comprehensive pair with risk analysis Account is weighed, so as to realize whether the behavior that general trend together decides on account on both side with personal habits shows abnormal Method, enhances fraud detection accuracy.

Embodiment three

Based on a kind of commodity and method for processing consumer information and system in embodiment one, passing through social security card financial account During carrying out e-payment, if transaction is once time of occurrence and when disposably can not pay in full, both sides' transaction Honesty issue easily occur bursting apart and making transaction be difficult to smoothly complete, reduce Consumer's Experience, present embodiments provided based on this A kind of electronic trade method of both sides' real-time synchronization, concrete scheme is as follows：

A, the terminal device of the social security card financial account account of consumer and consumer bound, pass through terminal device It is traded；

B, acquisition transaction application information；

C, according to transaction application information, audited；

After d, examination ＆ verification pass through, it is traded；

E, both sides carry out the two dimensionization operation of real-time synchronization, reach payment, are held while being recorded into both sides in electronic transaction The agreement terms that promise is reached；

F, after operation more than both sides complete, both sides all can real-time synchronization see the information inputted each other, and both sides are each The information that minimum secondary-confirmation agrees to transaction is carried out, the transfer of both sides' amount of money is finally completed；

After the completion of g, transaction, trade fair generation order data is simultaneously synchronized with Third-party payment platform simultaneously and is recorded into service Device backstage generation electronic transaction record, then generate the first transaction, this transaction record can be recorded as transaction evidence by system Get up；

H, if both sides with regard to same ancestor transaction need to carry out secondary transaction, then open this transaction by above-mentioned steps merchandise carry out Operation, generation second is merchandised；

I, and so on, if not being same ancestor's transaction, then a new transaction can be separately opened again.

Preferably, the agreement terms record form in step e includes word, sound, image or image information.

Preferably, the two dimensionization operation in step e includes：First step both sides input concerted clause, and second step is double Side's input dealing money.

By the method in the present embodiment, can conclude the transaction place in the business site platform or client software of internet Reason, it is mutual interactive to increase both parties, and can real-time synchronization affairs situation, both parties' real-time synchronization two dimensionization operates Pattern, seeing the amount of money inputted each other and input, transaction is promised to undertake each other, and both sides' transaction carries out minimum secondary-confirmation, ordering after confirmation The single, data of dealing money, automatic connection Third-party payment platform simultaneously requires same in real time according to the information operation of electronic transaction device Step, automatically arrives and is paid or transferred accounts on electronic transaction device between user, and generates transactions history record and store, so as to conduct Both sides realize that dealing money is directed through electronic trading system and is transferred directly to the opposing party, allowed with regard to the authority of Transaction Disputes in the future Transaction becomes more transparence, simplification, high-speeding, while transaction, and both sides can also be permitted lower promise with regard to terms of trade or label are closed Together, make user have to observe transaction sincerity, both sides can be greatly promoted and merchandised successfully, promote the long term growth of ecommerce.

Finally it should be noted that：Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations；To the greatest extent The present invention is described in detail with reference to foregoing embodiments for pipe, it will be understood by those within the art that：Its according to The technical scheme described in foregoing embodiments can so be modified, or which part or all technical characteristic are entered Row equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology The scope of scheme, it all should cover among the claim of the present invention and the scope of specification.

Claims

1. a kind of commodity and method for processing consumer information, it is characterised in that including：

Step S1, obtains the merchandise news of the offer of production firm, including trade name information and corresponding purchase of merchandise price Information；

Step S2, the purchase of merchandise pricing information is input to the first model pre-established, realizes the extraction of pricing information, Obtain extracting result；

Step S3, according to the extraction result, calculates the retail price information for obtaining commodity, different commodity correspond to different zero Sell pricing information；

Step S4, obtains the purchase information of consumer, includes name information, the correspondence quantity purchase information and correspondingly of purchase commodity The pricing information of every kind of commodity；

Step S5, according to the purchase information of the buyer, completes to disappear to account algorithm based on real-time by social security card financial account Take, form consumption inventory；

Step S6, the second model for pre-establishing is input to by the pricing information in the consumption inventory, realize spending amount with The conversion of total mark of consumption, obtains the total mark of consumption of equal value with spending amount in the consumption inventory；

Step S7, accumulative merging is carried out to the total mark of consumption, by the 3rd model pre-established, realizes total mark of consumption with supporting Lao Jin conversion, obtains the old-age pension with the total mark of consumption single-candidate after accumulative merge, and the consumption actively divides at least from one Consumer.

2. commodity according to claim 1 and method for processing consumer information, it is characterised in that

The step S5, be specially：

Obtain the transaction amount information in the purchase information of the consumer by payment terminal, and by the transaction amount information Transmit to receipt and payment server, the payment terminal and the bank account of the production firm are bound；

According to the transaction amount information, the consumption is detained by Unionpay's standard consumer transaction interface in Unionpay's server in real time The social security card financial account account balance of person, and send transaction successful information to the receipt and payment server；

The receipt and payment server calculates real-time inter-bank according to the transaction amount information and consumes service charge, is handed over reference to according to described Signaling is called in easy successful information formation, calls signaling to send to receipts single file server by described；

The receipts single file server is called after signaling described in detecting, and the bank account that the production firm is triggered in real time is corresponding Interface is transferred, is gone to the deserved settlement amounts of the production firm by the payment terminal special inside advance expenditure account described The bank account of production firm, completes consumption, forms consumption inventory.

3. commodity according to claim 2 and method for processing consumer information, it is characterised in that

Also include mistake inventory process step, be specially：

According to the mistake inventory, the real-time inter-bank consumption service charge and the transaction successful information, signaling is called in formation, will It is described to call signaling to send to receipts single file server.

4. commodity according to claim 1 and method for processing consumer information, it is characterised in that

The step S7, be specially：

Step S71, accumulative merging is carried out to the total mark of consumption, obtains merging total mark of consumption, positive point of the consumption at least comes From a consumer；

If the application meet described in preset rules in the 3rd model that pre-establishes, into step S74, otherwise return to step S71；

5. commodity according to claim 1 and method for processing consumer information, it is characterised in that

In the step S5, the purchase information of the consumer also includes dispatching demand information；

6. commodity and consumption information processing system, it is characterised in that including：

Merchandise news acquisition module, the merchandise news of the offer for obtaining production firm, including trade name information and correspondingly Purchase of merchandise pricing information；

Price extraction module, for the purchase of merchandise pricing information to be input into the first model pre-established, realizes price The extraction of information, obtains extracting result；

Retail price acquisition module, for according to the extraction result, calculating the retail price information for obtaining commodity, different business The different retail price information of product correspondence；

Buy name information, the correspondence purchase of data obtaining module, the purchase information for obtaining consumer, including purchase commodity The pricing information of quantity information and the every kind of commodity of correspondence；

Inventory generation module is consumed, for the purchase information according to the buyer, based on passing through social security card to account algorithm in real time Financial account completes consumption, forms consumption inventory；

Total mark of consumption conversion module, for the pricing information in the consumption inventory to be input into the second model pre-established, The conversion of spending amount and total mark of consumption is realized, the total mark of consumption of equal value with spending amount in the consumption inventory is obtained；

Old-age pension conversion module, for carrying out accumulative merging to the total mark of consumption, passes through the 3rd model pre-established, realizes The conversion of total mark of consumption and old-age pension, obtains the old-age pension with the total mark of consumption single-candidate after accumulative merge, and the consumption actively divides At least from a consumer.

7. commodity according to claim 6 and consumption information processing system, it is characterised in that

The consumption inventory generation module, specifically for：

8. commodity according to claim 7 and consumption information processing system, it is characterised in that

Also include mistake inventory processing module, specifically for：

9. commodity according to claim 6 and consumption information processing system, it is characterised in that

The old-age pension conversion module, specifically for：

First old-age pension converts submodule, for carrying out accumulative merging to the total mark of consumption, obtains merging total mark of consumption, described Consumption actively divides at least from a consumer；

3rd old-age pension converts submodule, for according to the application, being judged by the 3rd model pre-established, being obtained Result of determination：

If the preset rules in the 3rd model pre-established described in the application satisfaction, submodule is converted into the 4th old-age pension Block, otherwise returns to the first old-age pension conversion submodule；

4th old-age pension converts submodule, for according to the result of determination, the merging total mark of consumption to be converted into single-candidate Old-age pension.

10. commodity according to claim 6 and consumption information processing system, it is characterised in that

In the consumption inventory generation module, the purchase information of the consumer also includes dispatching demand information, specifically for：