CN109711884B - Alliance point settlement method and device - Google Patents
Alliance point settlement method and device Download PDFInfo
- Publication number
- CN109711884B CN109711884B CN201811602886.1A CN201811602886A CN109711884B CN 109711884 B CN109711884 B CN 109711884B CN 201811602886 A CN201811602886 A CN 201811602886A CN 109711884 B CN109711884 B CN 109711884B
- Authority
- CN
- China
- Prior art keywords
- point
- alliance
- integral
- issuer
- coalition
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 27
- 238000012545 processing Methods 0.000 claims description 23
- 238000012163 sequencing technique Methods 0.000 claims description 6
- 238000005304 joining Methods 0.000 claims description 4
- 238000003860 storage Methods 0.000 claims description 4
- 238000010586 diagram Methods 0.000 description 12
- 238000004590 computer program Methods 0.000 description 5
- 230000006870 function Effects 0.000 description 4
- 238000012986 modification Methods 0.000 description 4
- 230000004048 modification Effects 0.000 description 4
- 238000012790 confirmation Methods 0.000 description 3
- 239000000370 acceptor Substances 0.000 description 2
- 230000004075 alteration Effects 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000007547 defect Effects 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
Abstract
The invention discloses a method and a device for clearing federation points, wherein the method comprises the steps that a user terminal obtains commodities selected by a user, the point value of the commodities is determined, federation point information required for exchanging the commodities is determined from a point account of the user according to the point value of the commodities, the federation point information comprises N pieces of federation point records, each piece of federation point comprises a timestamp, a federation name and an ID of a point issuer, and then exchange information is sent to an acceptance terminal, wherein the exchange information comprises the identification of the commodities and the federation point information required for exchanging the commodities, so that the acceptance terminal can carry out the federation point clearing according to the federation point information. By adding the time stamp and the corresponding point issuer ID in the alliance point record, the alliance points received by the user can be distinguished, and meanwhile, when the alliance point information is sent to the acceptance terminal, the acceptance terminal can also carry out corresponding alliance point settlement according to the point issuer ID, so that alliance point exchange is realized.
Description
Technical Field
The embodiment of the invention relates to the technical field of blockchains, in particular to a method and a device for alliance integral settlement.
Background
In the consumption point project based on the blockchain, in order to solve the problem that a plurality of merchants issue and accept the same point, a alliance point is designed, and the merchants joining in the alliance are point issuers and point acceptors, so that the alliance point can only be used by the merchants in the alliance. When the user performs point exchange, as all the alliance merchants issue the same point, the user cannot identify the corresponding point issuer through the alliance point, so that the payment cannot be accurately deducted according to the alliance point corresponding to the point issuer. When the merchant performs the point settlement, since all the allied merchants issue the same point, the acceptance merchant cannot identify the corresponding point issuer through the allied point, so that the allied point cannot be separately settled according to the point issuer, and the point settlement flow cannot be completed.
Disclosure of Invention
The embodiment of the invention provides a method and a device for settling alliance points, which are used for realizing the exchange of alliance points.
The embodiment of the invention provides a alliance integral settlement method, which comprises the following steps:
the user terminal obtains the commodity selected by the user and determines the integral value of the commodity;
the user terminal determines alliance point information required by exchanging the commodity from a point account of the user according to the point value of the commodity; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer ID (Identity); n is a positive integer greater than 1;
and the user terminal sends exchange information to the acceptance terminal, wherein the exchange information comprises the identification of the commodity and alliance point information required by exchanging the commodity, so that the acceptance terminal performs alliance point settlement according to the alliance point information.
According to the technical scheme, the time stamp and the corresponding point issuer ID are added in the alliance point record, so that the alliance points received by the user can be distinguished, and meanwhile, when the alliance point information is sent to the acceptance terminal, the acceptance terminal is enabled to carry out corresponding alliance point settlement according to the point issuer ID, and accordingly alliance point exchange is achieved.
Optionally, before acquiring the commodity selected by the user, the user terminal further includes:
the user terminal acquires a alliance integral record;
the user terminal sorts the alliance point records according to the time stamp and stores the sorted alliance point records in the point account of the user.
Optionally, the user terminal determines, from the point account of the user, coalition point information required for exchanging the commodity according to the point value of the commodity, including:
the user terminal selects a first alliance integral record according to the time stamp sequence, compares whether the value of the first alliance integral is larger than the integral value of the commodity, if not, continues to select a second alliance integral record until the accumulated value of the selected alliance integral record is larger than or equal to the integral value of the commodity;
and if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining that the integral in the Nth alliance integral record is the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral record.
Optionally, after sending the exchange information to the acceptance terminal, the user terminal further includes:
and the user terminal deducts the alliance points in the point account of the user according to the alliance point information.
Correspondingly, the embodiment of the invention also provides a alliance point settlement method, which comprises the following steps:
the method comprises the steps that a receiving terminal obtains exchange information sent by a user terminal, wherein the exchange information comprises identifications of commodities selected by a user and alliance point information required by exchanging the commodities; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
when the acceptance terminal determines that the credit issuer ID is the acceptance terminal ID, the acceptance terminal determines the settlement amount of the acceptance terminal according to the alliance credit record corresponding to the acceptance terminal ID;
the acceptance terminal sends a settlement request to an integral issuer corresponding to the first integral issuer ID according to the first integral issuer ID when determining that the integral issuer ID is the first integral issuer ID, so that the integral issuer corresponding to the first integral issuer ID performs alliance integral settlement; the settlement request comprises a alliance point record corresponding to the first point issuer ID.
Optionally, after sending a settlement request to the point issuer corresponding to the first point issuer ID, the acceptance terminal further includes:
the receiving terminal receives a settlement amount sent by the first point issuer corresponding to the first point issuer ID and funds corresponding to the settlement amount;
and the acceptance terminal clears the alliance point corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, funds corresponding to the settlement amount and the settlement amount of the acceptance terminal.
Correspondingly, the embodiment of the invention also provides a alliance point settlement device, which comprises the following steps:
the acquisition module is used for acquiring the commodity selected by the user and determining the integral value of the commodity;
the processing module is used for determining alliance point information required by exchanging the commodity from the point account of the user according to the point value of the commodity; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
and the sending module is used for sending exchange information to the receiving terminal, wherein the exchange information comprises the identification of the commodity and alliance point information required by exchanging the commodity, so that the receiving terminal performs alliance point settlement according to the alliance point information.
Optionally, the processing module is further configured to:
before acquiring commodities selected by a user, controlling the acquisition unit to acquire a alliance integral record;
and sequencing the alliance point records according to the time stamp and storing the sequencing result in the point account of the user.
Optionally, the processing module is specifically configured to:
selecting a first alliance integral record according to the time stamp sequence, comparing whether the value of the first alliance integral is larger than the integral value of the commodity, if not, continuing to select a second alliance integral record until the accumulated value of the selected alliance integral record is larger than or equal to the integral value of the commodity;
and if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining that the integral in the Nth alliance integral record is the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral record.
Optionally, the processing module is further configured to:
and after transmitting exchange information to the acceptance terminal, deducting the alliance points in the point account of the user according to the alliance point information.
Correspondingly, the embodiment of the invention also provides a alliance point settlement device, which comprises the following steps:
the acquisition module is used for acquiring the exchange information sent by the user terminal, wherein the exchange information comprises the identification of the commodity selected by the user and alliance point information required by exchanging the commodity; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
the processing module is used for determining the settlement amount of the receiving terminal according to the alliance credit record corresponding to the receiving terminal ID when the credit issuer ID is determined to be the receiving terminal ID;
a sending module, configured to send a settlement request to a point issuer corresponding to the first point issuer ID according to the first point issuer ID when the point issuer ID is determined to be the first point issuer ID, so as to enable the point issuer corresponding to the first point issuer ID to perform federated point settlement; the settlement request comprises a alliance point record corresponding to the first point issuer ID.
Optionally, the processing module is further configured to:
after sending a settlement request to the first point issuer ID corresponding point issuer, controlling the acquisition module to receive a settlement amount sent by the first point issuer ID corresponding point issuer and funds corresponding to the settlement amount;
and clearing the alliance points corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, funds corresponding to the settlement amount and the settlement amount of the receiving terminal.
Accordingly, the embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores computer executable instructions for causing the computer to execute the alliance integral settlement method.
Accordingly, an embodiment of the present invention further provides a computing device, including:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the alliance integral settlement method according to the obtained program.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a system architecture according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a system architecture according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a federation point settlement method according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a system architecture according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a system architecture according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a federation point settlement device according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a federation point settlement device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail below with reference to the accompanying drawings, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Fig. 1 is a system architecture to which an embodiment of the present invention is applicable. Referring to fig. 1, the system architecture may include a user terminal 100, an acceptance terminal 200, and a plurality of first points issuers 300. The user terminal 100 is located in the same federation chain as the reception terminal 200 and the first credit issuer 300.
The user terminal 100 is a terminal used by a user, and the user can select a commodity and determine a coalition score corresponding to the commodity on the user terminal. The reception terminal 200 receives a federation credit request transmitted from a user terminal, and performs settlement. The first credit issuer 300 receives the settlement request from the reception terminal 200 and performs settlement of the corresponding amount. The acceptance terminal 200 is also an issuer of points, which is located at the acceptance merchant with the first issuer of points.
It should be noted that the structure shown in fig. 1 is merely an example, and the embodiment of the present invention is not limited thereto.
The alliance points refer to that merchants joining in the alliance issue the same type of points, each merchant is a point issuer and a point acceptor, and the alliance points can only be used by merchants in the alliance.
In the existing federation point settlement, as shown in the flow chart of fig. 2, from the perspective of a user, the federation points issued by all the federation merchants in the federation are the same points, and when the user performs the federation point exchange, the points are issued by a plurality of the federation merchants, but the point forms are expressed as the same federation points. When a merchant receives a point settlement, in order to accurately transmit a settlement request to a point issuer, it is necessary to identify the corresponding point issuer by federation points and perform the point settlement. However, the acceptance merchants cannot distinguish due to the fact that the acceptance merchants are all alliance points.
The existing alliance point settlement has the defects that:
1) After the coalition points of a plurality of coalition merchants in the same coalition are issued to a user, the points of the plurality of coalition merchants are converged into one coalition point, and the corresponding plurality of coalition merchant points cannot be reversely split from one coalition point received by the user.
2) When the user uses the coalition points issued by a plurality of coalition merchants in the same coalition to perform point exchange, as all the coalition merchants issue the same point, the acceptance merchant cannot identify the corresponding point issuer through the coalition points, so that the payment cannot be accurately deducted according to the coalition points corresponding to the coalition merchants, and the point exchange cannot be implemented.
3) When the acceptance merchant performs the affiliated point settlement request, since all the affiliated merchants issue the same point, the acceptance merchant cannot identify the corresponding point issuer through the affiliated point, so that the affiliated point cannot be separately settled according to the point issuer, and the point settlement cannot be implemented.
Based on the above description, fig. 3 exemplarily illustrates a flow of a federation point settlement method provided by an embodiment of the present invention, which may be performed by a federation point settlement apparatus. The flow of the federated point settlement will be described below by way of user terminal, acceptance terminal, first point issuer interactions.
As shown in fig. 3, the process specifically includes:
step 301, a user terminal obtains a commodity selected by a user and determines the integral value of the commodity.
Before acquiring the commodity selected by the user, the user terminal also needs to acquire a alliance point record, and sorts the alliance point record according to the time stamp and stores the sorted alliance point record in the point account of the user.
When the user obtains the coalition credit in other ways, the user terminal stores the time stamp, the coalition name and the credit issuer ID as a coalition credit record in the user account according to the time stamp sequence.
When the user selects the favorite commodity by the online or offline alliance merchant, the user terminal can acquire the identification of the selected commodity and the point value of the commodity.
And 302, determining alliance point information required for exchanging the commodity from a point account of the user according to the point value of the commodity by the user terminal.
In an embodiment of the present invention, the federation score information may include N federation score records, each including a timestamp, a federation name, and a score issuer identification ID. N is a positive integer greater than 1.
Specifically, the user terminal selects a first coalition integral record according to the time stamp sequence, compares whether the value of the first coalition integral is larger than the integral value of the commodity, and if not, continues to select a second coalition integral record until the accumulated value of the selected coalition integral record is larger than or equal to the integral value of the commodity. And if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining the integral in the Nth alliance integral record as the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral record.
For example, after accepting a commodity selected by a merchant, the user terminal firstly selects a first valid coalition score record according to a time stamp sequence, compares whether the first coalition score value is greater than the selected commodity score value, if the coalition score value is smaller than the commodity score value, sequentially continues to select a second coalition score record, and accumulates the first and second coalition score values, if the accumulated score value is still smaller than the commodity score value, sequentially continues to select a third coalition score record, and so on, until the accumulated value of the N coalition score records selected before is greater than or equal to the commodity value, and stops the score record selection.
In step 303, the user terminal transmits exchange information to the reception terminal.
The exchange information can comprise the identification of the commodity and alliance point information required by exchanging the commodity, so that the acceptance terminal can conduct alliance point settlement according to the alliance point information.
The user terminal sends the selected N coalition point records to the acceptance merchant, the point value of the former N-1 coalition point records is kept unchanged, and the point value of the nth coalition point record can be determined according to a formula (1).
The formula (1) may be:
wherein V is Nsh Representing the point value of the nth coalition point record sent to the accepting merchant, V sp Representing the integrated value of the commodity selected by the user, V i And (5) representing the integral value in the ith alliance integral record, wherein i is more than or equal to 1 and less than N.
And after the user terminal sends the exchange information to the acceptance terminal, the user terminal deducts the alliance points in the point account of the user according to the alliance point information.
That is, after the user terminal sends the N number of point records to the accepting merchant, the user terminal clears the first N-1 number of point records of the federation, deducts the value of the nth number of point records of the federation, and the value of the nth number of point records of the federation after deduction is required to meet the formula (2).
The formula (2) is:
wherein V is Nyh Representing the integral value of the N-th alliance integral record of the user after deduction, V Nys Representing the original point value of the user's Nth coalition point record, V sp Representing the integrated value of the commodity selected by the user, V i And (5) representing the integral value in the ith alliance integral record, wherein i is more than or equal to 1 and less than N.
And 304, when the acceptance terminal determines that the credit issuer ID is the acceptance terminal ID, the acceptance terminal determines the settlement amount of the acceptance terminal according to the alliance credit record corresponding to the acceptance terminal ID.
After receiving the exchange information transmitted from the user terminal, the reception terminal can determine whether the point issuer ID is the own ID or the IDs of other issuers based on the point issuer IDs in the individual federation point records. When the credit issuer ID is determined to be the receiving terminal ID, the settlement of the federation credit is directly performed.
The reception terminal classifies the federation score records according to the score issuer ID and the reception terminal ID in the exchange information.
And accumulating the number of points in the alliance point records with the same point issuer ID and the receiving terminal ID, and calculating the settlement amount according to the exchange proportion of the points and the RMB.
The associated point record having the different point issuer ID and the receiving terminal ID is transmitted to the corresponding point issuer.
In step 305, the receiving terminal transmits a settlement request to the first credit issuer.
If the receiving terminal determines that the point issuer ID is the first point issuer ID, a settlement request including a federation point record corresponding to the first point issuer ID is transmitted to the point issuer corresponding to the first point issuer ID.
Step 306, the first credit issuing direction reception terminal transmits the settlement confirmation information.
After receiving the settlement request sent by the receiving terminal, the first point issuer calculates and confirms the settlement amount, and then sends confirmation information to the receiving terminal, wherein the confirmation information comprises the settlement amount of the first point issuer and funds corresponding to the settlement amount.
And 307, the receiving terminal clears the alliance point corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, the funds corresponding to the settlement amount and the settlement amount of the receiving terminal.
The receiving terminal transfers funds from the credit issuer to the receiving terminal according to the calculated settlement amount between the first credit issuer and the receiving terminal, and clears the alliance credit of the completed settlement request after receiving the settlement funds.
It should be noted that, in the implementation of the underlying technology, the federation point settlement method provided by the embodiment of the present invention may be as shown in fig. 4, when the federation points are issued, the issuing time stamp and the issuer information are stored in the point issuing record, and when the user receives the federation points, the user also stores the point issuing time stamp and the corresponding point issuer information, and distinguishes the point issuing record through the issuing time stamp and the point issuer information. When the user uses the alliance points to exchange commodities, the points are deducted according to the time sequence of the alliance point release, so that the alliance point exchange is realized.
When a merchant receives a point settlement request, the request information includes, in addition to the coalition point (point name and point number) information, the merchant information and point issuer information. The system finds the corresponding point issuer through the point issuer information, and after the point issuer confirms to accept the merchant settlement request, the system transfers funds from the point issuer to the corresponding accepted merchant through the accepted merchant ID to complete the allied point settlement.
From the perspective of the user, the flow of the federation point settlement for the aggregate redemption is shown in fig. 5, when the federation points are issued to the hands of the user, the user receives the federation points, and when the user redeems, the user also performs the redemption of the federation points, so that the unified redemption of the points in the federation is realized. When the merchant is accepted for settlement, the point issuer corresponding to the alliance point can be identified through the settlement request information, and the alliance point settlement is completed.
The embodiment of the invention realizes the settlement of the alliance points, and each point issuing record is distinguished by adding the issuing time stamp and the point issuer information when the alliance points are issued. When the user performs alliance point exchange, the points are deducted according to the sequence of the point issuing time stamps, so that alliance point exchange is realized. When the acceptance merchant performs the federation point settlement, the federation point is sent to the corresponding point issuer through the point issuer information, so that the federation point settlement is realized.
The above embodiment shows that, the user terminal obtains the commodity selected by the user, determines the point value of the commodity, determines the coalition point information required for exchanging the commodity from the point account of the user according to the point value of the commodity, the coalition point information comprises N coalition point records, each coalition point comprises a timestamp, a coalition name and a point issuer ID, and then sends the exchanging information to the receiving terminal, wherein the exchanging information comprises the identification of the commodity and the coalition point information required for exchanging the commodity, so that the receiving terminal performs the coalition point settlement according to the coalition point information. By adding the time stamp and the corresponding point issuer ID in the alliance point record, the alliance points received by the user can be distinguished, and meanwhile, when the alliance point information is sent to the acceptance terminal, the acceptance terminal can also carry out corresponding alliance point settlement according to the point issuer ID, so that alliance point exchange is realized.
Based on the same technical concept, fig. 6 exemplarily shows a federation point settlement apparatus provided by an embodiment of the present invention, which can perform a flow of the federation point settlement. The apparatus may be the above-mentioned user terminal.
As shown in fig. 6, the apparatus specifically includes:
the acquiring module 601 is configured to acquire a commodity selected by a user, and determine an integral value of the commodity;
the processing module 602 is configured to determine, from a point account of the user, coalition point information required for exchanging the commodity according to the point value of the commodity; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
and the sending module 603 is configured to send exchange information to an acceptance terminal, where the exchange information includes an identifier of the commodity and alliance point information required for exchanging the commodity, so that the acceptance terminal performs alliance point settlement according to the alliance point information.
Optionally, the processing module 602 is further configured to:
before acquiring commodities selected by a user, controlling the acquisition unit to acquire a alliance integral record;
and sequencing the alliance point records according to the time stamp and storing the sequencing result in the point account of the user.
Optionally, the processing module 602 is specifically configured to:
selecting a first alliance integral record according to the time stamp sequence, comparing whether the value of the first alliance integral is larger than the integral value of the commodity, if not, continuing to select a second alliance integral record until the accumulated value of the selected alliance integral record is larger than or equal to the integral value of the commodity;
and if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining that the integral in the Nth alliance integral record is the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral record.
Optionally, the processing module 602 is further configured to:
and after transmitting exchange information to the acceptance terminal, deducting the alliance points in the point account of the user according to the alliance point information.
Based on the same technical concept, fig. 7 exemplarily shows a federation point settlement apparatus provided by an embodiment of the present invention, which can perform a flow of the federation point settlement. The device may be the reception terminal.
As shown in fig. 7, the apparatus includes:
the acquiring module 701 is configured to acquire redemption information sent by a user terminal, where the redemption information includes an identifier of a commodity selected by a user and coalition point information required for redeeming the commodity; the coalition score information comprises N coalition score records, wherein each coalition score comprises a timestamp, a coalition name and a score issuer ID; n is a positive integer greater than 1;
a processing module 702, configured to determine, when determining that the credit issuer ID is the acceptance terminal ID, a settlement amount of the acceptance terminal according to a federation credit record corresponding to the acceptance terminal ID;
a sending module 703, configured to send a settlement request to a point issuer corresponding to the first point issuer ID according to the first point issuer ID when the point issuer ID is determined to be the first point issuer ID, so that the point issuer corresponding to the first point issuer ID performs federated point settlement; the settlement request comprises a alliance point record corresponding to the first point issuer ID.
Optionally, the processing module 702 is further configured to:
after sending a settlement request to the first point issuer ID corresponding point issuer, controlling the acquisition module to receive a settlement amount sent by the first point issuer ID corresponding point issuer and funds corresponding to the settlement amount;
and clearing the alliance points corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, funds corresponding to the settlement amount and the settlement amount of the receiving terminal.
Based on the same technical concept, the embodiment of the invention also provides a computer-readable storage medium storing computer-executable instructions for causing the computer to execute the alliance integral settlement method.
Based on the same technical concept, the embodiment of the invention further provides a computing device, which comprises:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the alliance integral settlement method according to the obtained program.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (12)
1. A federation point settlement method, comprising:
the user terminal obtains the commodity selected by the user and determines the integral value of the commodity;
the user terminal determines alliance point information required by exchanging the commodity from a point account of the user according to the point value of the commodity; the coalition points refer to the same type of points issued by merchants joining in the coalition, the coalition point information comprises N coalition point records, and each coalition point comprises a time stamp, a coalition name and a point issuer identity ID; n is a positive integer greater than 1;
the user terminal sends exchange information to an acceptance terminal, wherein the exchange information comprises identification of the commodity and alliance point information required by exchanging the commodity, so that the acceptance terminal carries out alliance point settlement to a corresponding point issuer according to an identity identification ID of the point issuer of each alliance point record in the alliance point information;
the user terminal determines alliance point information required by exchanging the commodity from a point account of the user according to the point value of the commodity, and the alliance point information comprises the following steps:
the user terminal selects a first alliance integral record according to the time stamp sequence, compares whether the value of the first alliance integral is larger than the integral value of the commodity, if not, continues to select a second alliance integral record until the accumulated value of the selected alliance integral record is larger than or equal to the integral value of the commodity; if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining that the integral in the Nth alliance integral record is the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral records;
after the user terminal sends exchange information to the acceptance terminal, the user terminal clears the former N-1 alliance integral records, deducts the value of the Nth alliance integral record, wherein the integral value of the Nth alliance integral record after deduction in the integral account is the difference value between the original integral value of the Nth alliance integral record in the user terminal and the integral in the Nth alliance integral record in the alliance integral information.
2. The method of claim 1, wherein the user terminal, prior to acquiring the user selected merchandise, further comprises:
the user terminal acquires a alliance integral record;
the user terminal sorts the alliance point records according to the time stamp and stores the sorted alliance point records in the point account of the user.
3. The method according to any one of claims 1 to 2, wherein the user terminal, after transmitting redemption information to the recipient terminal, further comprises:
and the user terminal deducts the alliance points in the point account of the user according to the alliance point information.
4. A federation point settlement method, comprising:
the method comprises the steps that a receiving terminal obtains exchange information sent by a user terminal, wherein the exchange information comprises identifications of commodities selected by a user and alliance point information required by exchanging the commodities; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
when the acceptance terminal determines that the credit issuer ID is the acceptance terminal ID, the acceptance terminal determines the settlement amount of the acceptance terminal according to the alliance credit record corresponding to the acceptance terminal ID;
the acceptance terminal sends a settlement request to an integral issuer corresponding to the first integral issuer ID according to the first integral issuer ID when determining that the integral issuer ID is the first integral issuer ID, so that the integral issuer corresponding to the first integral issuer ID performs alliance integral settlement; the settlement request comprises a alliance point record corresponding to the first point issuer ID and a acceptance merchant ID corresponding to the acceptance terminal; and after the acceptance merchant ID corresponding to the acceptance terminal is used for confirming the settlement request by the point issuer, funds are transferred from the point issuer to the corresponding acceptance merchant through the acceptance merchant ID, so that the allied point settlement is completed.
5. The method of claim 4, wherein the accepting terminal, after sending a settlement request to the first point issuer ID corresponding point issuer, further comprises:
the receiving terminal receives a settlement amount sent by the first point issuer corresponding to the first point issuer ID and funds corresponding to the settlement amount;
and the acceptance terminal clears the alliance point corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, funds corresponding to the settlement amount and the settlement amount of the acceptance terminal.
6. A federation point settlement apparatus, comprising:
the acquisition module is used for acquiring the commodity selected by the user and determining the integral value of the commodity;
the processing module is used for determining alliance point information required by exchanging the commodity from the point account of the user according to the point value of the commodity; the coalition points refer to the same type of points issued by merchants joining in the coalition, the coalition point information comprises N coalition point records, and each coalition point comprises a time stamp, a coalition name and a point issuer identity ID; n is a positive integer greater than 1;
the receiving terminal is used for receiving the identification of the commodity and the alliance point information required by the commodity, so that the receiving terminal carries out alliance point settlement on the corresponding point issuer according to the identity identification ID of the point issuer of each alliance point record in the alliance point information;
the processing module is specifically configured to select a first coalition score record according to a time stamp sequence when coalition score information required for exchanging the commodity is determined from a score account of the user according to the score value of the commodity, compare whether the value of the first coalition score is greater than the score value of the commodity, and if not, continue to select a second coalition score record until the accumulated value of the selected coalition score record is greater than or equal to the score value of the commodity;
if the accumulated value of the selected alliance integral record is larger than the integral value of the commodity, determining that the integral in the Nth alliance integral record is the difference between the integral value of the commodity and the accumulated value of the previous N-1 alliance integral records;
the processing module is further used for clearing the former N-1 alliance integral records after the exchange information is sent to the acceptance terminal, deducting the value of the Nth alliance integral record, wherein the integral value of the Nth alliance integral record after deduction in the integral account is the difference value between the original integral value of the Nth alliance integral record in the user terminal and the integral in the Nth alliance integral record in the alliance integral information.
7. The apparatus of claim 6, wherein the processing module is further to:
before acquiring commodities selected by a user, controlling the acquisition module to acquire a alliance integral record;
and sequencing the alliance point records according to the time stamp and storing the sequencing result in the point account of the user.
8. The coalition credit settlement device of any one of claims 6 to 7, wherein the processing module is further configured to:
and after transmitting exchange information to the acceptance terminal, deducting the alliance points in the point account of the user according to the alliance point information.
9. A federation point settlement apparatus, comprising:
the acquisition module is used for acquiring the exchange information sent by the user terminal, wherein the exchange information comprises the identification of the commodity selected by the user and alliance point information required by exchanging the commodity; the coalition score information comprises N coalition score records, and each coalition score comprises a timestamp, a coalition name and a score issuer identification ID; n is a positive integer greater than 1;
the processing module is used for determining the settlement amount of the receiving terminal according to the alliance credit record corresponding to the receiving terminal ID when the credit issuer ID is determined to be the receiving terminal ID;
a sending module, configured to send a settlement request to a point issuer corresponding to the first point issuer ID according to the first point issuer ID when the point issuer ID is determined to be the first point issuer ID, so as to enable the point issuer corresponding to the first point issuer ID to perform federated point settlement; the settlement request comprises a alliance point record corresponding to the first point issuer ID and a acceptance merchant ID corresponding to the acceptance terminal; and after the acceptance merchant ID corresponding to the acceptance terminal is used for confirming the settlement request by the point issuer, funds are transferred from the point issuer to the corresponding acceptance merchant through the acceptance merchant ID, so that the allied point settlement is completed.
10. The apparatus of claim 9, wherein the processing module is further to:
after sending a settlement request to the first point issuer ID corresponding point issuer, controlling the acquisition module to receive a settlement amount sent by the first point issuer ID corresponding point issuer and funds corresponding to the settlement amount;
and clearing the alliance points corresponding to the alliance point information according to the settlement amount sent by the first point issuer ID corresponding to the point issuer, funds corresponding to the settlement amount and the settlement amount of the receiving terminal.
11. A computer-readable storage medium storing computer-executable instructions for causing a computer to perform the method of any one of claims 1 to 5.
12. A computing device, comprising:
a memory for storing program instructions;
a processor for invoking program instructions stored in said memory to perform the method according to any of claims 1-5 in accordance with the obtained program.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811602886.1A CN109711884B (en) | 2018-12-26 | 2018-12-26 | Alliance point settlement method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811602886.1A CN109711884B (en) | 2018-12-26 | 2018-12-26 | Alliance point settlement method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109711884A CN109711884A (en) | 2019-05-03 |
| CN109711884B true CN109711884B (en) | 2023-12-22 |
Family
ID=66258531
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811602886.1A Active CN109711884B (en) | 2018-12-26 | 2018-12-26 | Alliance point settlement method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109711884B (en) |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110751513A (en) * | 2019-10-10 | 2020-02-04 | 深圳市云积分科技有限公司 | Data processing method and device for intelligent operation platform |
| CN111192088B (en) * | 2019-12-27 | 2023-07-18 | 万翼科技有限公司 | Method and device for determining settlement object of point and computer readable storage medium |
| CN111445281A (en) * | 2020-03-18 | 2020-07-24 | 中国建设银行股份有限公司 | Block chain-based integral monitoring method and device and computer-readable storage medium |
| CN111429182A (en) * | 2020-03-24 | 2020-07-17 | 成都校精灵科技有限公司 | Divide red type integral system based on block chain |
| CN111639965B (en) * | 2020-05-15 | 2023-04-21 | 浙江口碑网络技术有限公司 | Integral updating method and device |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779805A (en) * | 2016-11-24 | 2017-05-31 | 中国银行股份有限公司 | Integration circulation method and device between a kind of different businessmans based on block chain |
| CN108256909A (en) * | 2018-01-10 | 2018-07-06 | 北京思特奇信息技术股份有限公司 | A kind of integrating system and method based on block chain |
| CN108776908A (en) * | 2018-06-01 | 2018-11-09 | 杭州复杂美科技有限公司 | A kind of block chain accumulated point exchanging method |
| CN109087116A (en) * | 2017-06-14 | 2018-12-25 | 中兴通讯股份有限公司 | Accumulated point exchanging method, integral transaction system and computer readable storage medium |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP6042011B1 (en) * | 2016-04-25 | 2016-12-14 | 株式会社Ｓｏｕｎｄ−Ｆ | Point management system, apparatus, and method |
-
2018
- 2018-12-26 CN CN201811602886.1A patent/CN109711884B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779805A (en) * | 2016-11-24 | 2017-05-31 | 中国银行股份有限公司 | Integration circulation method and device between a kind of different businessmans based on block chain |
| CN109087116A (en) * | 2017-06-14 | 2018-12-25 | 中兴通讯股份有限公司 | Accumulated point exchanging method, integral transaction system and computer readable storage medium |
| CN108256909A (en) * | 2018-01-10 | 2018-07-06 | 北京思特奇信息技术股份有限公司 | A kind of integrating system and method based on block chain |
| CN108776908A (en) * | 2018-06-01 | 2018-11-09 | 杭州复杂美科技有限公司 | A kind of block chain accumulated point exchanging method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN109711884A (en) | 2019-05-03 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109711884B (en) | Alliance point settlement method and device | |
| CN108171609B (en) | Method and computer readable storage medium for digital asset interworking | |
| CN105931033B (en) | Offline consumption method and device | |
| CN105719172A (en) | Information issuing method and device | |
| CN110163691B (en) | Invoice creating method and device based on block chain and electronic equipment | |
| CN109804403B (en) | Method, system and computer readable medium for event-triggered exchange of digital commerce instruments between digital wallets | |
| US10748169B2 (en) | Methods and systems for rewarding customers in a tokenized payment transaction | |
| CN109447607B (en) | Transaction method and device for unit account | |
| CN112465489A (en) | Payment service processing method and device and machine-readable storage medium | |
| US20220036358A1 (en) | Digital currency settlement system and settlement method and payment device | |
| CN112330316A (en) | Payment service processing method and device and machine-readable storage medium | |
| CN111986022A (en) | Transaction quota processing method and system based on block chain and each node | |
| CN111047307B (en) | Payment transaction processing system, payment transaction processing method and device | |
| CN105139197A (en) | Business processing unit and vehicle-mounted unit | |
| WO2017069700A1 (en) | Method and system for managing payment transactions | |
| US20140279502A1 (en) | System and Method of Processing Payment Transactions | |
| CN110046879B (en) | Intelligent contract-based money collection method and system and readable storage medium | |
| CN111738709A (en) | Transaction processing method and device | |
| CN109583826B (en) | Declaration file generation method, declaration file generation device, server and readable storage medium | |
| CN108280634B (en) | Payment method and system, automobile, toll terminal and medium | |
| CN112184234A (en) | Payment request processing method, device, equipment and storage medium | |
| CN106535082B (en) | Data processing method, device and system | |
| CN113935507A (en) | Foreign currency cash exchange reservation method and device based on block chain | |
| WO2017129034A1 (en) | Sub-account information determination method, apparatus and system in logistics business | |
| CN103761646A (en) | Method for recognizing and verifying electronic consumption voucher on POS machine through mobile phone number |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |