CN113554426A

CN113554426A - Multi-digital asset exchange platform

Info

Publication number: CN113554426A
Application number: CN202010328680.5A
Authority: CN
Inventors: 胡旭成; 姚勤
Original assignee: Hebei Xiong'an Chain Point Technology Co ltd
Current assignee: Hebei Xiong'an Chain Point Technology Co ltd
Priority date: 2020-04-23
Filing date: 2020-04-23
Publication date: 2021-10-26

Abstract

The embodiment of the invention provides a multi-digital asset exchange platform, which is applied to a multi-digital asset exchange platform server and comprises a user registration module, a multi-digital asset exchange module and a multi-digital asset exchange module, wherein the user registration module is used for establishing a user multi-digital asset account; the first receiving module is used for receiving a transaction request and sending the transaction request to the first judging module; the first judging module is used for judging whether the transaction request main body is a registered user of the multi-digital asset exchange platform; and the anchoring digital asset transaction module calculates anchoring digital assets of transaction amounts corresponding to the transaction requests, transfers the anchoring digital assets to the first digital asset platform account and transfers the anchoring digital assets to the digital asset account from other digital asset platform accounts. In this way, the barriers between different digital asset platforms are opened, so that a user can integrate and utilize the digital assets across the platforms, and the types and the limits of the digital assets reach a unified standard by utilizing the anchored digital assets, thereby improving the utilization rate and the equivalence rate of the digital assets of the individual user and realizing reasonable and maximized benefits.

Description

Multi-digital asset exchange platform

Technical Field

Embodiments of the invention relate generally to the field of computer technology and, more particularly, relate to a multi-digital asset exchange platform.

Background

The network accounting, office automation, electronic payment system platform and the like in the network era enable the current production mode to have incomparable advantages compared with the traditional production mode, and in real life, the traditional production mode is just a series of codes of '0' and '1' depending on magnetic media. They are digital goods, but exhibit the properties of assets and are therefore not called digital assets. Digital assets (Digital assets) refer to non-monetary assets owned or controlled by a business or person, in the form of electronic data, held in daily activities for sale or in the process of production. While non-monetary assets, digital asset presence often has attributes within a range or rule that can replace or offset some or all of the monetary value.

Taking points as an example, the number of points held in countries of the world currently exceeds 25 hundred million, new points with the nominal value of about $ 2000 million are generated each year, the new points are increased by 4% -7% each year, the value of the stock points is more than $ 100000 million, and the annual growth rate is 5% -6%. In the Chinese market, the related data show that the total market value exceeds 20000 hundred million, the number of the owners exceeds 9 hundred million, and the annual growth rate is 6-8%. All big banks, operators, internet enterprises and airlines occupy the market through points and improve the viscosity.

Therefore, digital assets become indispensable marketing tools for merchants, and various merchants issue own virtual digital asset transaction platforms in order to attract customers and increase customer liveness. In the actual market, digital assets generally refer to digital assets issuers which utilize various technologies such as computers, internet and the like, and provide digital certificates with certain limits for consumption behaviors of consumers in order to encourage the consumers to consume in the future; or the digital asset distributor encourages the target group to complete one or more specific tasks and gives the target group incentive digital certificates for obtaining corresponding rewards or rights. Common digital assets include points, priority purchases, discount coupons, vouchers, group purchase coupons, lottery tickets, consumer tickets, and the like.

However, in the digital asset system of the independent digital asset trading platform, the tradeable goods or services are limited, and the management of different platforms is difficult, so that the digital asset is often expired and invalidated, and the loss is brought to the client.

The platforms are mutually independent, so that the digital asset systems are relatively closed, and digital assets acquired by customers can only be traded in the platform and cannot be interconnected and communicated among the platforms. The limitations of traditional digital asset payment methods have resulted in digital assets being used only in very limited situations, without reaching the original goals of promoting consumption and activating the market.

Disclosure of Invention

According to an embodiment of the present invention, there is provided a multi-digital asset exchange platform including:

the system comprises a user registration module, a third-party digital asset platform account and a user registration module, wherein the user registration module is used for establishing a user multi-digital asset account according to a received registration request of a user and binding the user multi-digital asset account with the third-party digital asset platform account associated with the user; the user multi-digital asset account comprises each third-party platform digital asset sub-account authorized by the multi-digital asset exchange platform, an anchoring digital asset account and a legal money account determined by the multi-digital asset exchange platform;

the first receiving module is used for receiving a transaction request and sending the transaction request to the first judging module;

the first judgment module is used for analyzing the transaction request, judging whether a transaction request main body is a registered user of the multi-digital asset exchange platform, and if so, sending the transaction request to the anchoring digital asset transaction module; otherwise, sending a request failure message to the transaction request main body;

and the anchoring digital asset transaction module is used for calculating anchoring digital assets of transaction amount corresponding to the transaction request, transferring the anchoring digital assets from the digital asset accounts of the multi-digital asset exchange platform to the first digital asset platform account of the target transaction, and transferring the anchoring digital assets from other digital asset platform accounts associated with the transaction request main body to the digital asset account.

Further, the user registration module includes:

the establishment module is used for receiving a registration request of a user and establishing a multi-digital asset account of the user according to the registration request;

the first acquisition module is used for acquiring a binding request and sending the binding request to a third-party digital asset platform server associated with the user, wherein the binding request triggers the third-party digital asset platform server to perform binding authorization and sends a binding pass message; the binding passing message is used for indicating that the verification information is verified and passes the verification; the verification information is input through the user on an authorized binding page and is sent to the third-party digital asset platform server;

and the binding module is used for receiving the binding passing message and binding the third-party digital asset platform account associated with the user with the multi-digital asset account of the user.

Further, still include:

the query module is used for querying the third-party digital asset platform server for the digital asset data of the third-party digital asset platform account associated with the user, receiving the digital asset data of the third-party digital asset platform account associated with the user, returned by the third-party digital asset platform server, and sending the digital asset data to the user and association storage module;

and the association storage module is used for associating and storing the digital asset data of the third-party digital asset platform account associated with the user with the corresponding third-party digital asset platform sub-account in the user multi-digital asset account.

Further, the association is stored as:

updating the digital asset data of the corresponding third-party digital asset platform sub-account in the user multi-digital asset account according to the digital asset data in the third-party digital asset platform account associated with the user to keep the digital asset data consistent with the digital asset data in the third-party digital asset platform account associated with the user, and storing the updated digital asset data of the corresponding third-party digital asset platform sub-account in the user multi-digital asset account;

the corresponding third-party digital asset platform sub-account in the user multi-digital asset accounts is the first digital asset platform sub-account; the third party digital asset platform account associated with the user is a first digital asset platform account.

Further, the anchoring digital asset transaction module comprises:

the second acquisition module is used for acquiring the digital asset exchange records of each third-party digital asset platform corresponding to the transaction request main body;

the basic exchange rate determining module is used for selecting a third-party digital asset platform from all third-party digital asset platforms corresponding to the transaction request main body as a basic third-party digital asset platform and taking the digital asset exchange rate of the basic third-party digital asset platform as a basic exchange rate;

a third obtaining module, configured to obtain a first multi-digital asset exchange platform account corresponding to the transaction request subject in the transaction request and a first digital asset platform account of a target transaction; the transaction request comprises at least first identification information and a transaction amount; the first identification information at least comprises the association information of the transaction request body and the first multi-digital asset exchange platform account and the first digital asset platform account information;

a second computing module for computing an anchor digital asset corresponding to a transaction amount in the first digital asset platform account according to a digital asset transition method;

a first conversion module to transfer digital assets corresponding to the transaction amount or digital assets corresponding to a transaction balance from the digital asset accounts of the multiple digital asset exchange platform accounts to a first digital asset platform sub-account in the first multiple digital asset exchange platform accounts;

a second conversion module to transfer digital assets corresponding to the transferred anchor digital asset amount from other digital asset platform sub-accounts in the first multi-digital asset exchange platform account to a digital asset account of the multi-digital asset exchange platform account.

Further, the second obtaining module includes:

the first sending module is used for sending a digital asset exchange record acquisition request to each third-party digital asset platform server associated with the transaction request main body; the digital asset exchange record acquisition request is used for triggering each third-party digital asset platform server to return a corresponding digital asset exchange record;

the second receiving module is used for receiving the digital asset exchange records returned by the third-party digital asset platform servers;

the clustering module is used for clustering the records with the same commodity identification in the digital asset exchange records acquired from each third-party digital asset platform to obtain the digital asset exchange records of the same commodity on different third-party digital asset platforms; the digital asset redemption record includes a commodity identification, a digital asset redemption value, and a transaction amount.

Further, the clustering module includes:

the system comprises a setting module, a display module and a display module, wherein the setting module is used for setting a key commodity identifier which is used for uniquely identifying a commodity;

the searching module is used for searching the digital asset exchange records of the commodities with the same key commodity identification in the digital asset exchange records of the third-party digital asset platforms;

the merging module is used for merging the searched digital asset exchange records to obtain merged digital asset exchange records; and the merged digital asset exchange record is used as the digital asset exchange record of the same commodity on different third-party digital asset platforms.

Further, the baseline exchange rate determination module comprises:

the first sequencing module is used for sequencing the commodities according to the sum of the exchange numbers of the commodities on each third-party digital asset platform to obtain a first commodity sequence;

the first selection module is used for selecting a first quantity of commodities with the largest sum of the exchange quantities from the first commodity sequence;

a first calculation module for calculating a total transaction amount for each of the first quantity of the commodities;

the second sequencing module is used for sequencing the first quantity of commodities according to the total transaction amount of each commodity in the first quantity of commodities to obtain a second commodity sequence;

the second selection module is used for selecting a second quantity of commodities which are in the same third-party digital asset platform and have the maximum total transaction amount from the second commodity sequence;

and the determining module is used for taking the third-party digital asset platform corresponding to the commodity selected by the second selecting module as a reference third-party digital asset platform and taking the digital asset exchange rate of the reference third-party digital asset platform as a reference exchange rate.

Further, the second calculation module includes:

the digital asset exchange rate calculation module is used for calculating the digital asset exchange rate of the first digital asset platform account corresponding to the transaction request; the digital asset exchange rate of the corresponding first digital asset platform account in the transaction request is as follows:

wherein P is the digital asset exchange total value of one or more commodities in the first digital asset platform; q is the total amount of the selected commodity transacted in the first digital asset platform;

an anchored digital asset calculation module to calculate an anchored digital asset corresponding to a transaction amount in the first digital asset platform account; the anchor digital assets in the first digital asset platform account corresponding to the transaction amount are:

h is the digital assets to be converted in the selected third-party digital asset platform; e.g. of the type₀As a baseline exchange rate; e.g. of the type_nThe digital asset conversion rate of the selected third-party digital asset platform is obtained, and n is the number of each third-party digital asset platform corresponding to the first user; and K is the anchor digital asset corresponding to the digital asset to be converted in the selected third-party digital asset platform.

Further, still include:

a second determining module, configured to determine whether a sum of the anchored digital assets of the digital asset balances in the other digital asset platform sub-accounts in the first multi-digital asset exchange platform account is greater than or equal to the anchored digital asset amount of the trade difference; if so, transferring the digital assets corresponding to the transaction balance from the digital asset account of the multiple digital asset exchange platform account to the first digital asset platform sub-account;

a freezing module for freezing digital assets of the first multi-digital asset exchange platform account corresponding to the anchored digital asset amount of the transaction amount before transferring digital assets corresponding to the transaction amount or digital assets corresponding to the transaction balance from the digital asset account of the multi-digital asset exchange platform account to the first digital asset platform sub-account; or freezing digital assets of the amount of the anchoring digital assets corresponding to the transaction difference in the digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account, so that the digital assets cannot be transferred to other accounts other than the digital asset account;

and the second sending module is used for sending a transfer triggering message to the second conversion module after the digital assets corresponding to the transaction amount or the digital assets corresponding to the transaction difference are transferred from the digital asset account of the multi-digital asset exchange platform account to the first digital asset platform sub-account, wherein the transfer triggering message is used for triggering the second conversion module to transfer the frozen digital assets with the anchoring digital asset amount to the digital asset account of the multi-digital asset exchange platform account.

It should be understood that the statements herein reciting aspects are not intended to limit the critical or essential features of any embodiment of the invention, nor are they intended to limit the scope of the invention. Other features of the present invention will become apparent from the following description.

The invention provides a platform capable of realizing digital asset exchange among multiple platforms, which can get through barriers among different digital asset platforms, enable a user to integrate and utilize digital assets across platforms, and utilize anchored digital assets to enable the types and the limits of the digital assets to reach a unified standard, improve the utilization rate and the equivalence rate of the digital assets of an individual user, and realize reasonable maximization of benefits.

Drawings

The above and other features, advantages and aspects of various embodiments of the present invention will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. In the drawings, like or similar reference characters designate like or similar elements, and wherein:

FIG. 1 shows a block diagram of a multi-point exchange platform according to an embodiment of the invention;

FIG. 2 shows a block diagram of a user registration module according to an embodiment of the invention;

FIG. 3 shows a block diagram of an anchor points trading module according to an embodiment of the invention;

FIG. 4 shows a block diagram of a second acquisition module according to an embodiment of the invention;

FIG. 5 shows a block diagram of a baseline exchange rate determination module according to an embodiment of the invention;

FIG. 6 illustrates an association topology diagram of a third party points platform with a multi-points exchange platform associated with a user, according to an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.

In addition, the term "and/or" herein is only one kind of association relationship describing an associated object, and means that there may be three kinds of relationships, for example, a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.

The invention can get through the barriers between different integration platforms, so that the user can integrate and utilize the digital assets across the platforms, and the anchored digital assets are utilized to enable the types and the amount of the digital assets to reach the unified standard, thereby improving the utilization rate and the equivalence rate of the digital assets of the individual user and realizing the reasonable maximization of benefits.

Common digital assets include points, priority purchases, discount coupons, vouchers, group purchase coupons, lottery tickets, consumer tickets, and the like. The present disclosure and the embodiments are described in detail with respect to digital assets in the form of points as embodiments of the present disclosure.

FIG. 1 shows a block diagram of a multi-point exchange platform according to an embodiment of the invention. The multi-point exchange platform 100 is applied and operated on a multi-point exchange platform server, and the multi-point exchange platform 100 includes a user registration module 120, a first receiving module 140, a first judging module 160 and an anchor point transaction module 180, wherein:

fig. 2 shows a block diagram of a user registration module according to an embodiment of the invention. The user registration module 120 is configured to establish a user multi-point account according to a received registration request of a user, and bind the user multi-point account with a third party point platform account associated with the user.

And the registration request of the user is sent to the multi-credit exchange platform server by the user through the user client. The user client may be any device capable of accessing the internet, such as a personal computer, a cellular or wireless telephone, a Personal Digital Assistant (PDA), a tablet computer, and a laptop computer. And loading and operating a third party point platform at the user client, wherein the third party point platform is applied to a third party platform server. The third party point platform is a human and transaction platform or financial platform which can generate points and can deduct the value of goods or services in a point payment mode, such as Taobao, Jingdong, Shuudou, Mei group, Bingchun app, Paobao and the like. The number of the user client and the number of the third-party integration platform servers can be one or more. The user client, the multi-point exchange platform server and the third party point platform server may exchange data over a communication medium.

The user multi-point account comprises a plurality of sub-accounts, such as each third-party platform point sub-account authorized by the multi-point exchange platform, an anchor point account determined by the multi-point exchange platform, a legal coin account and the like. The anchor points can be points of one or more third-party platforms selected from authorized third-party platforms, and can also be virtual points; can be used as a benchmark for point exchange among different platforms.

The user registration module 120 includes an establishing module 121, a first obtaining module 122, a binding module 123, a querying module 124 and an associated storage module 125; wherein:

the establishing module 121 is configured to receive a registration request of a user, and establish a multi-point account of the user according to the registration request;

in one embodiment of the invention, a first user sends a registration request to a multi-points exchange platform server through a first user client. The first user logs in the multi-point exchange platform webpage through the multi-point exchange platform app and the WeChat public number which are installed on the first user client side or through a built-in browser on the first user client side, and the first user logs in the multi-point exchange platform for the first time and needs to register. The registration request includes a username, password, and other information associated with the first user set by the user. The registration request also includes a financial account associated with the first user.

The multi-point exchange platform server receives the registration request, and establishes a first user multi-point account for the first user through the establishing module 121; creating a first user multi-points account for the first user in a database of a multi-points exchange platform server for subsequent association with a third party platform points account for the first user.

And the multi-point exchange platform server returns prompt information of successful registration to the first user client to prompt the first user to log in the multi-point exchange platform, or the multi-point exchange platform server automatically creates a first user multi-point account for the first user to log in on the multi-point exchange platform.

The first user is successfully registered, needs to perform real-name authentication and data improvement after logging in the multi-point exchange platform, and needs to sign an authorization protocol to authorize the multi-point exchange platform to acquire point data of a third-party point platform associated with the first user; after that, the next binding operation can be performed.

The first obtaining module 122 is configured to obtain a binding request, and send the binding request to a third party integration platform server associated with the user, where the binding request triggers the third party integration platform server to perform binding authorization, and sends a binding pass message.

The first user sends a binding request to a multi-point exchange platform server through a first user client; specifically, the first user logs in the multi-point exchange platform through a first user client, and sends a binding request of a third-party point platform account associated with the first user to a multi-point exchange platform server. Wherein the binding request includes an identification of a third party loyalty platform associated with the first user.

The multi-point exchange platform server acquires the binding request through the first acquisition module 122, and forwards the binding request to a corresponding third-party point platform server; the third party point platform server receives the binding request and sends a skip request to the multi-point exchange platform server; the integral exchange platform server receives the jump request and forwards the jump request to the first user client; the first user client receives the skip request and skips to an authorization binding page of the corresponding third-party integral platform; and the third party point platform server receives verification information input by the first user on the authorization binding page, wherein the verification information comprises a user name and a password of a third party point platform account associated with the first user. And after the verification is passed, the third-party integral platform server returns a binding passing message to the integral exchange platform server.

In some embodiments, the binding pass message includes a user identifier set by the third party loyalty platform server for the first user, including: user real-name authentication information, unique identification (mobile phone, user name), token and the like. The points exchange platform server may query the third party points platform server for the points data of the third party points platform account associated with the first user according to the user identification through the query module 124.

A binding module 123, configured to receive the binding pass message, and bind the third party credit platform account associated with the user multi-credit account.

The query module 124 is configured to query the third party points platform server for the points data of the third party points platform account associated with the user, receive the points data of the third party points platform account associated with the user, which is returned by the third party points platform server, and send the received points data to the user and association storage module.

The multi-point exchange platform server may query the third party point platform server for point data of a third party point platform account associated with the user according to the user identification.

In some embodiments, the third party points platform server returns point data for the third party points platform account associated with the user to the multi-points exchange platform server simultaneously with, before or after the binding pass message is returned to the multi-points exchange platform server.

Periodically or when a user logs in the multi-point exchange platform, the multi-point exchange platform server respectively sends query requests to one or more third-party point platform servers corresponding to one or more third-party point platform accounts associated with the user and bound with the user multi-point account through a query module 124; the query request comprises a user identifier set by the third-party point platform server for the user.

The third-party point platform server receives the query request, queries point data of a third-party point platform account associated with the user according to the user identification and sends the point data to the multi-point exchange platform server; the associated storage module 125 of the multi-point exchange platform server receives the point data and updates the point data of the sub-account of the third-party point platform corresponding to the user multi-point account; the multi-point exchange platform server sends updated point data corresponding to the sub-account of the third-party point platform in the user multi-point account to the user terminal; and the user terminal displays the integral data to the user.

And the association storage module 125 is configured to store the point data of the third-party point platform account associated with the user in association with a corresponding third-party point platform sub-account in the user multi-point account. And the association storage is used for updating the point data of the corresponding third-party point platform sub-account in the user multi-point account according to the point data in the third-party point platform account associated with the user, keeping the point data consistent with the point data in the third-party point platform account associated with the user, and storing the updated point data of the corresponding third-party point platform sub-account in the user multi-point account.

The account registration of the user on the multi-point exchange platform and the binding of the point data of the user on different third-party point platforms and the account of the multi-point exchange platform are realized through the user registration module 120, and the point data of all the platforms can be managed through one-time login. User operation is reduced, and a foundation is laid for realizing point exchange of different point platforms.

The first receiving module 140 is configured to receive a transaction request and send the transaction request to the first determining module.

The transaction request includes first identification information and transaction information associated with the first user; the first identification information at least comprises first user information, association information of the first user and the first multi-point exchange platform account and the first point platform account information of target transaction; the transaction information comprises commodity information and transaction amount; the commodity information comprises commodity names, commodity numbers, quantity and other information of commodities; the transaction amount is the price of the point platform where the commodity is located, and comprises point payment form price, such as point type and point amount, and legal payment form price, such as multiple price forms of RMB and money, point and legal mixed payment form price and the like.

The first judging module 160 is configured to analyze the transaction request, judge whether a transaction request main body is a registered user of the multi-point exchange platform, and send the transaction request to the anchor point transaction module if the transaction request main body is the registered user of the multi-point exchange platform; otherwise, sending a request failure message to the transaction request body.

The first determining module 160 receives the transaction request sent by the first receiving module 140, analyzes the first user information, such as a user ID, in the transaction request, and determines that the transaction request is sent to the anchored point transaction module 180 if the first user is a registered user of the multi-point exchange platform; if the first user is not a registered user of the multi-point exchange platform, sending a request failure message to a transaction request main body; or sending a registration prompting message to the transaction request body at the same time of sending the request failure message to the transaction request body or after sending the request failure message to the transaction request body.

In some embodiments, the first point platform server determines, according to an identity of the first user, such as a user name or a user ID, whether the first user has bound a first point platform account associated with the first user to a multi-point exchange platform account; if not, conducting a transaction using points in a first points platform account associated with the first user; if so, the transaction request is forwarded to a multispot exchange platform server.

In some embodiments the first loyalty platform server checks whether the credit limit of the first loyalty platform account associated with the first user is greater than or equal to the credit amount of the first loyalty platform to which the transaction request corresponds; if the first point platform account is greater than or equal to the first point platform account, payment is directly made from the first point platform account associated with the first user; if the sum is less than the first sum, paying from a first credit platform account associated with the first user, and taking the unpaid difference as the payment amount; or directly taking the credit amount of the first credit platform corresponding to the transaction request as the payment amount, generating a payment request and sending the payment request to the credit exchange platform server, and paying from other credit platform accounts of the first user except the first credit platform account.

And the anchored point transaction module 180 is used for calculating an anchored point of a transaction amount corresponding to the transaction request, transferring the anchored point from a point account of the multi-point exchange platform to a first point platform account of the target transaction, and transferring the anchored point from other point platform accounts associated with the transaction request body to the point account.

FIG. 3 shows a block diagram of an anchor points trading module according to an embodiment of the invention. As shown in fig. 3, the anchor points transaction module 180 includes a second obtaining module 181, a reference exchange rate determining module 182, a third obtaining module 183, a second calculating module 184, a first converting module 185, and a second converting module 186. Wherein:

and the second obtaining module 181 is configured to obtain the credit exchange records of each third-party credit platform corresponding to the transaction request main body.

FIG. 4 shows a block diagram of a second acquisition module according to an embodiment of the invention; as shown in fig. 4, the second obtaining module 181 includes a first sending module 1811, a second receiving module 1812, and a clustering module 1813; wherein:

a first sending module 1811, configured to send a credit exchange record obtaining request to each third-party credit platform server associated with the transaction request subject; the point exchange record acquisition request is used for triggering each third-party point platform server to return corresponding point exchange records;

a second receiving module 1812, configured to receive the credit redemption record returned by each third-party credit platform server;

the clustering module 1813 is configured to cluster records with the same product identifier in the point redemption records obtained from each third-party point platform, so as to obtain point redemption records of the same product on different third-party point platforms.

The multi-point exchange platform server acquires point exchange records on a third-party point platform corresponding to each user on the multi-point exchange platform, wherein the point exchange records can be all records or partial records, but the recorded data volume needs to be large enough, and for platforms repeatedly registered by different users, only one point exchange record needs to be acquired. For example, if the multi-point exchange platform only has one registered user, and the registered third-party point platform is a key choice of the jingdong, naobao and network accessibility, the multi-point exchange platform needs to acquire a point exchange record of the key choice of the jingdong, naobao and network accessibility. If the number of registered users of the multi-point exchange platform is increased to 5, and the 5 registered users relate to 5 registered platforms in total, including kyoto, naughty, easy-to-select network, current network and many-spelling, the multi-point exchange platform needs to acquire the point exchange records of the 5 platforms.

The point redemption record includes a commodity identification, a point redemption value, and a transaction amount. Such as a product name, a product model number, a product category identification code, etc. The point value exchange value is the point value of the commodity which generates the exchange history and corresponds to the exchange. The transaction amount is a transaction value corresponding to the exchanged commodity or the exchanged point value, and the transaction value is scaled by RMB, for example.

As a preferred implementation of the above embodiment, the point exchange records within a certain time range may be acquired, so as to reduce the acquisition amount of data, improve the data acquisition efficiency, and reduce the data vacancy rate. For example, the last three days, a week, a month, etc. may be selected.

As a preferred implementation of the foregoing embodiment, the multi-point exchange platform server may further send a point exchange record acquisition request to each third-party platform server periodically, so that each third-party platform server returns a point exchange record; and receiving the point exchange records periodically sent by each third-party platform server. The regular period may for example be selected to be one day, three days, seven days etc.

The clustering module 1813 includes:

a setting module 18131, configured to set a key product identifier, where the key product identifier is used to uniquely identify a product;

a searching module 18132, configured to search, in the point redemption records of the third party point platforms, point redemption records of commodities with the same key commodity identifier;

a merging module 18133, configured to merge the searched point redemption records to obtain a merged point redemption record; and the combined point exchange record is used as the point exchange record of the same commodity on different third party point platforms.

As an embodiment of the present invention, the clustering module 1813 clusters the product identifiers in the point redemption records of the third party platforms, so as to obtain the point redemption values of the same product on different third party platforms. The clustering module 1813 searches detailed description information of the commodity on a corresponding third-party platform according to the commodity, extracts keywords from the detailed description information, and clusters the keywords so as to combine point exchange records corresponding to the same commodity, and obtain a combined commodity exchange record. For example, the commodity identifications all comprise a term of 'Kwara sailcloth shoes', the commodities related to the keyword 'Kwara sailcloth shoes' in third-party point exchange platforms such as Jingdong, Taobao, net easy and strict selection can be all selected as the same commodity by extracting the keyword 'Kwara sailcloth shoes', point exchange records related to the commodities are combined, and commodity exchange records of the 'Kwara sailcloth shoes' commodities of the combined third-party point exchange platforms are obtained.

The benchmark exchange rate determining module 182 is configured to select a third-party point platform from the third-party point platforms corresponding to the transaction request subject as a benchmark third-party point platform, and use the point exchange rate of the benchmark third-party point platform as the benchmark exchange rate.

Fig. 5 illustrates a block diagram of a baseline exchange rate determination module according to an embodiment of the invention. As shown in fig. 5, the reference exchange rate determining module 182 includes a first sorting module 1821, a first selecting module 1822, a first calculating module 1823, a second sorting module 1824, a second selecting module 1825, and a determining module 1826; wherein:

the first sequencing module 1821 is configured to sequence the commodities according to the sum of the exchange numbers of the commodities on the third-party point platforms, so as to obtain a first commodity sequence;

a first selecting module 1822, configured to select a first quantity of commodities, of which the sum of the exchanged quantities is largest, from the first commodity sequence.

As an embodiment of the present invention, the first sorting module 1821 sorts the commodities according to the sum of the exchange numbers of the commodities on each third-party point platform, and the first selecting module 1822 selects the first quantity of commodities with the largest sum of the exchange numbers, and obtains the selling prices of the selected commodities on each third-party point platform; the first number is a positive integer greater than or equal to 1, and is, for example, 5. For example, the total number of the third-party point platforms is 3, namely the capital, the treasure and the internet easy stricter choice, and 5 commodities with the largest sum of exchange numbers are found on the three platforms. For example, veda roll paper, 3M medical mask, kamama chili sauce, yanjing canned beer, and kanmaster braised beef noodles. The commodity which is subjected to point exchange most frequently can be obtained through the steps, and the accuracy of point exchange rate calculation is improved. Continuously obtaining the selling prices of the commodities in the 5 above on the Beijing east, Taobao and network easy-to-tighten platform. The selling price here may be an average selling price.

Further, after the selling price of each platform corresponding to one commodity is obtained, weighted summation can be carried out so as to improve the accuracy of the obtained selling price of the first quantity of commodities.

A first calculating module 1823 for calculating a total transaction amount for each of the first quantity of items.

As an embodiment of the present invention, the first calculation module 1823 obtains the selling price of the first quantity of goods in a certain time range of the third party point platform, where the time range is the same as the time range of the point redemption record.

A second sorting module 1824, configured to sort the first quantity of commodities according to the total transaction amount of each of the first quantity of commodities, so as to obtain a second commodity sequence;

a second selecting module 1825, configured to select, from the second commodity sequence, a second quantity of commodities that are on the same third-party point platform and have the largest total transaction amount; the second number is a positive integer equal to or less than the first number, and may be, for example, 3.

In the embodiment, the transaction amounts of the five commodities in the whole network are calculated, the first two commodities are the Kangshifu braised beef noodles and the Laoganma chilli sauce, and the two commodities are sold on the Taobao platform, so that the Kangshifu braised beef noodles and the Laoganma chilli sauce can be used as the selected commodities. Here, platform offers such as coupons, decrements, etc. within the third party points platform are not considered.

A determining module 1826, configured to use the third-party point platform corresponding to the commodity selected by the second selecting module as a reference third-party point platform, and use the point exchange rate of the reference third-party point platform as a reference exchange rate.

In the above embodiment, the treasure collecting platform is used as the reference third party point platform, and the point exchange rate of the treasure collecting platform is used as the reference exchange rate.

A third obtaining module 183, configured to obtain a first multi-point exchange platform account corresponding to the transaction request subject in the transaction request and a first point platform account of the target transaction; the transaction request comprises at least first identification information and a transaction amount; the first identification information at least comprises the association information of the transaction request main body and the first multi-point exchange platform account and the first point platform account information.

And a second calculating module 184, configured to calculate an anchor point corresponding to the transaction amount in the first point platform account according to a point conversion method.

The anchor points are one or more point types determined by the multi-point exchange platform according to the point exchange history record or determined virtual point types, and the point types serve as references of point exchange. The exchange rate of the various types of third party points bound by the anchoring points and the multi-point exchange platform is preset or updated in real time.

The second calculation module 184 includes:

and the point exchange rate calculation module 1841 is used for calculating the point exchange rate of the corresponding first point platform account in the transaction request. The point exchange rate is a comparison relation between points and transaction values in a certain third-party point platform and is expressed by the ratio of the points and the money amount corresponding to one or certain commodities in the same third-party point platform. Each third party point platform corresponds to a point exchange rate, and the point exchange rates of different third party point platforms can be the same or different.

The credit exchange rate of the corresponding first credit platform account in the transaction request is as follows:

wherein P is the total value of the point exchange of one or more commodities in the first point platform; q is the total transaction amount of the selected commodity in the first point platform.

In the above embodiment, the panning platform is used as a third-party point platform, the master kang braised beef in soy sauce and the aged heaver mother chilli sauce are used as two commodities selected on the panning platform, the total point exchange value P is 80000 points, the corresponding transaction total amount Q is 10000 yuan, that is, the point exchange rate e of the panning platform is 8, and the point exchange rate e of the panning platform is used as a reference exchange rate.

An anchor point calculation module 1842 for calculating an anchor point in the first point platform account corresponding to the transaction amount; the anchor points in the first points platform account corresponding to the transaction amount are:

h is the score to be converted in the selected third-party score platform; e.g. of the type₀As a baseline exchange rate; e.g. of the type_nThe point exchange rate of the selected third-party point platforms is obtained, and n is the number of each third-party point platform corresponding to the first user; and K is an anchor point corresponding to the point to be converted in the selected third-party point platform.

In the above embodiment, the base exchange rate e₀For 8, the benchmark third-party integral platform is a treasure panning platform, the selected third-party integral platform is a jingdong platform, wherein the integral to be converted is 3000 points, the exchange rate of the points is 4, then it can be calculated that the anchoring integral corresponding to the integral to be converted in the jingdong platform is:

that is, the kyoto platform corresponds to an anchor integration of 3000 integration to be converted to 6000 integration.

After determining the anchor credit amount in the first credit platform account corresponding to the transaction amount, the multi-credit exchange platform account may transfer the corresponding anchor credit from the credit account of the multi-credit exchange platform account to the corresponding first credit platform sub-account through the first conversion module 185. After the corresponding points are obtained, the obtained points and the obtained account balance are displayed on a display interface of a third-party point platform, and the first user can conduct transaction through a payment process.

A first conversion module 185 for transferring points corresponding to the transaction amount or points corresponding to the transaction difference from the points account of the multiple points exchange platform account to a first points platform sub-account of the first multiple points exchange platform account.

The first point platform sub-account is synchronized with the first point platform account real-time data.

A second determining module 187, configured to determine whether the sum of anchor points of the point balances in the other point platform sub-accounts in the first multi-point exchange platform account is greater than or equal to the anchor point amount of the transaction difference; if the difference is greater than or equal to the first point platform sub-account, transferring points corresponding to the transaction difference from the point account of the multi-point exchange platform account to the first point platform sub-account.

As an embodiment of the present invention, the second determining module 187 checks the balances of the sub-accounts in the first multi-point exchange platform account associated with the first user, and if the sum of the balances of the sub-accounts in the first multi-point exchange platform account associated with the first user is less than the amount corresponding to the anchor point, sends a prompt message of "insufficient balance and failure to pay" to the first user client; transferring the corresponding anchor credit if the balance of each sub-account in the first multi-credit exchange platform account associated with the first user is greater than/equal to the corresponding anchor credit amount.

And setting a point account in the multi-point exchange platform account, wherein a certain amount of anchor points exist in the point account. The credit account is used for sending the corresponding anchor credit to the corresponding credit platform sub-account after receiving the transaction request.

A second conversion module 186 for transferring credits corresponding to the transferred anchor credit amount from other credit platform sub-accounts in the first multi-credit exchange platform account to credit accounts of the multi-credit exchange platform account.

A freezing module 188 for freezing points in the first multi-point trading platform account corresponding to the anchor point amount of the trading amount before transferring points corresponding to the trading amount or points corresponding to the trading deficit from the points account of the multi-point trading platform account to the first points platform sub-account; or freezing the points of the anchor point amount corresponding to the transaction difference in the sub-accounts of the point platform except the sub-account of the first point platform in the account of the first multi-point exchange platform, so that the points cannot be transferred to other accounts except the sub-account of the first point platform.

In some embodiments, the freezing module 188 sequentially freezes points in platform sub-accounts other than the first point platform sub-account in the first multi-point exchange platform account associated with the first user according to a payment order and a payment proportion set by a default or first user until the frozen amount of points corresponds to the anchor amount of points. For example, the sub-account of the second point platform is frozen first, and then the sub-account of the third point platform is frozen, and the point amount of the frozen account is already larger than the transaction amount, so that other accounts are not frozen. And at the moment, the frozen second point platform sub-account and the frozen third point platform sub-account corresponding second point platform server and third point platform server send freezing response messages to the multi-point exchange platform server. The points in the frozen sub-accounts cannot be paid or moved, and therefore the points are used as price points for carrying out mortgage on the price points transferred from the account points by the multi-point exchange platform.

The first conversion module 185 may also transfer only the points of the trade difference as an embodiment of the present invention. The transaction balance is the difference between the transaction amount and the point balance in the first point platform account. The credit required for credit transfer can be reduced by transferring the credit of the transaction difference, the balance in the account of the first credit platform can be fully utilized, and the credit utilization rate is improved. At this time, the points of the sub-accounts of the bonus point platform except the sub-account of the first bonus point platform in the account of the first multi-bonus point exchange platform, which correspond to the anchor bonus point amount of the transaction difference, need to be frozen by the freezing module 188. In this embodiment, the freezing module 188 may sequentially freeze points in platform sub-accounts except the first point platform sub-account in the first multi-point exchange platform account associated with the first user according to a payment order and a payment proportion set by a default or the first user. For example, the sub-account of the second point platform is frozen first, and then the sub-account of the third point platform is frozen, and the point amount of the frozen account is already larger than the transaction amount, so that other accounts are not frozen. And at the moment, a freezing response message is sent to the multi-point exchange platform server by the second point platform server and the third point platform server corresponding to the frozen second point platform subsystem and the frozen third point platform subsystem. The points in the frozen sub-accounts cannot be paid or moved, and therefore the points are used as price points for carrying out mortgage on the price points transferred from the account points by the multi-point exchange platform.

A second sending module 189, configured to send a transfer trigger message to the second conversion module after transferring the credit corresponding to the transaction amount or the credit corresponding to the transaction difference from the credit account of the multi-credit exchange platform account to the first credit platform sub-account, where the transfer trigger message is used to trigger the second conversion module to transfer the frozen credit of the anchor credit amount to the credit account of the multi-credit exchange platform account.

After the points corresponding to the transaction amount or the transaction difference are transferred from the point accounts of the multi-point exchange platform account, the points to be transferred are unfrozen, and the unfrozen points are only allowed to be used as directional transfer points to the point accounts in the multi-point exchange platform.

FIG. 6 illustrates an association topology diagram of a third party points platform with a multi-points exchange platform associated with a user, according to an embodiment of the invention;

the first user corresponds to a plurality of third-party point platforms which are respectively a first point platform account, a second point platform account and the like.

And establishing a multi-point exchange platform account for the user in multi-point exchange platform accounts arranged under the multi-point exchange platform, wherein the account of the first user corresponding to the multi-point exchange platform is a first multi-point exchange platform account, and the account of the second user corresponding to the multi-point exchange platform is a second multi-point exchange platform account.

And in the multi-point exchange platform account, a point platform sub-account corresponding to a third-party point platform is set under the third-party point platform registered or associated according to the user history, the first point platform sub-account is associated with the first point platform account, the second point platform sub-account is associated with the second point platform account, and the like. The multi-point exchange platform account is also provided with a point account used for transferring points to the sub-accounts of the point exchange platform.

In an embodiment of the present invention, the registered user of the multi-point exchange platform account lai is a first user who has registered jingdong, naobao and easy-to-select network, that is, jingdong, naobao and easy-to-select network are three third-party point platforms with which the first user lai is associated; the account of the Jingdong, the Taobao account and the network easy-to-tighten account are the first point platform account, the second point platform account and the third point platform account. The multi-point exchange platform account corresponding to li of the multi-point exchange platform account comprises three sub-accounts of the multi-point exchange platform, namely a Jingdong sub-account, a Taobao sub-account and a network easy-to-select sub-account. The first point platform sub-account is synchronized with the first point platform account real-time data. For example, the account data of the kyoton sub-account and the kyoton account are synchronized in real time.

Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.

Claims

1. A multi-digital asset exchange platform applied to a multi-digital asset exchange platform server, comprising:

the system comprises a user registration module, a third-party digital asset platform account and a user registration module, wherein the user registration module is used for establishing a user multi-digital asset account according to a received registration request of a user and binding the user multi-digital asset account with the third-party digital asset platform account associated with the user;

2. The multi-digital asset exchange platform according to claim 1, wherein said user registration module comprises:

the first acquisition module is used for acquiring a binding request and sending the binding request to a third-party digital asset platform server associated with the user, wherein the binding request triggers the third-party digital asset platform server to perform binding authorization and sends a binding pass message;

3. The multi-digital asset exchange platform according to claim 2, further comprising:

4. The multi-digital asset exchange platform according to claim 3, wherein said association is stored as:

updating the digital asset data of the corresponding third-party digital asset platform sub-account in the user multi-digital asset account according to the digital asset data in the third-party digital asset platform account associated with the user to keep the digital asset data consistent with the digital asset data in the third-party digital asset platform account associated with the user, and storing the updated digital asset data of the corresponding third-party digital asset platform sub-account in the user multi-digital asset account.

5. The multi-digital asset exchange platform according to claim 1, wherein said anchoring digital asset transaction module comprises:

6. The multi-digital asset exchange platform according to claim 5, wherein said second acquisition module comprises:

7. The multi-digital asset exchange platform according to claim 6, wherein said clustering module comprises:

8. The multi-digital asset exchange platform according to claim 5, wherein said baseline exchange rate determination module comprises:

9. The multi-digital asset exchange platform according to claim 5, wherein said second computing module comprises:

10. The multi-digital asset exchange platform according to claim 5, further comprising: