WO2018098894A1 - 一种结合投资的消费方法及系统 - Google Patents

一种结合投资的消费方法及系统 Download PDF

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WO2018098894A1
WO2018098894A1 PCT/CN2017/071028 CN2017071028W WO2018098894A1 WO 2018098894 A1 WO2018098894 A1 WO 2018098894A1 CN 2017071028 W CN2017071028 W CN 2017071028W WO 2018098894 A1 WO2018098894 A1 WO 2018098894A1
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consumer
investment
offline
profit
module
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赵欣
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赵欣
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations

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  • the invention relates to a consumption method and system.
  • the online consumption system has obvious advantages compared with the traditional offline consumption, such as the advantages of wide customer distribution, cost saving, marketing promotion economy, efficient management and convenience.
  • a good online shopping system is a must.
  • the current online consumer system also has powerful mall features such as store recommendations and search, product recommendations and displays, and more. Operators can provide a full range of advertising and promotion for merchants, and customers can easily find their favorite products and stores.
  • the current online consumer system only has a shopping function and no investment function, so that the money paid by the consumer for purchasing the goods can only be paid to the merchant, and the merchant gives a proportion to the system system provider, for the consumer.
  • the merchant gives a proportion to the system system provider, for the consumer.
  • there is no possibility of generating other added value so in many online consumer systems, the consumer's income has not increased, so there is no competitiveness.
  • the technical problem to be solved by the present invention is to provide a consumption method and system for combining investment, wherein the money paid by the consumer for purchasing the commodity is deducted by the system for investment, and the proceeds from the investment are returned to the consumer, thereby Consumers' spending costs also have the potential to generate other added value, and therefore more attractive to consumers.
  • the method of the present invention is implemented as follows: a method of combining investment, comprising:
  • Step S1 for the consumer to log in to the system online and purchase the product displayed by the manufacturer
  • Step S2 dividing the profit of the commodity purchased by the consumer into two parts, one for the manufacturer and the other for temporarily intercepting the system;
  • Step S3 the system provides various investment plans for the consumer to select
  • Step S4 after the consumer selects the investment plan, the system invests the profit temporarily cut off;
  • Step S5 When the investment term arrives, the value-added income of the investment is divided into a certain proportion and returned to the consumer, and the remaining proportion is returned to the system.
  • step S3 a comprehensive judgment is made according to the region and the amount of consumption of the consumer, so as to recommend a corresponding investment plan.
  • the investment plan is a fixed asset investment plan.
  • step S1 when the consumer logs in to the system to purchase the product online, the system performs the product push service according to the big data marketing.
  • the system further has an offline cooperative merchant, and the consumer obtains an offline membership number when registering the account of the system, and the offline membership number is bound to the account of the system; For: When the consumer is offline to cooperate with the merchant, the profit that the offline cooperative merchant will obtain is uploaded to the system through the offline member number of the consumer.
  • a consumer system incorporating investment comprising:
  • Consumer module for consumers to log in to the system and purchase products displayed by the manufacturer
  • the business model module divides the profit of the goods purchased by the consumer into two parts, one for the manufacturer and the other for temporary interception by the system;
  • a vendor module for the manufacturer to display merchandise in the system for purchase by the consumer and to receive the profit distributed by the business model module
  • An investment module for providing various investment options for consumers to select, and when the consumer selects an investment plan, the system invests the profit that the business model module temporarily intercepts;
  • the value-added income distribution module divides the value-added income of the investment into a certain proportion when the investment period arrives, and returns the consumer to a certain proportion, and the remaining proportion is the system income.
  • system of the present invention further includes: a pushing module, configured to receive data of the consumer, and report the data to the system server for matching, and when the consumer logs in to the system to purchase the product, the product that matches the consumer demand is pushed to the consumer product. .
  • a pushing module configured to receive data of the consumer, and report the data to the system server for matching, and when the consumer logs in to the system to purchase the product, the product that matches the consumer demand is pushed to the consumer product.
  • the consumer's data includes the consumer's enablement provided by a third party data source
  • system of the present invention further includes: an upload profit module, when the consumer is offline to cooperate with the merchant, the profit obtained by the offline cooperative merchant is uploaded to the system through the offline member number of the consumer;
  • the offline member number consumer will also get an offline membership number when registering the system account number, and the offline membership number is bound to the system account.
  • the invention has the following advantages: the invention combines the daily consumption behavior of the consumer with the investment behavior, so that the consumer expenditure paid by the consumer can generate value-added income through investment, thereby greatly saving the consumption cost, and thus attracting a large amount of money.
  • the consumer comes to the online consumption system of the invention for consumption, and for the manufacturer, on the one hand, the middleman link is reduced, and the online consumption system does not charge any management fee and promotion fee to the manufacturer, but is invested in The revenue is reduced, which reduces the cost of sales of the manufacturer.
  • the provider of the online consumer system it can be drawn in the return of the investment, and still has a return, so it can form a good cycle with multiple gains.
  • 1 is a flow chart of the execution of the method of the present invention.
  • FIG. 2 is a system architecture diagram of a method of the present invention.
  • FIG. 3 is a schematic diagram of a system based on big data marketing according to the present invention.
  • Figure 4 is a recommended marketing flow chart based on the LBS platform.
  • a method for consuming consumption combined with the present invention includes:
  • Step S1 is used for the consumer to log in to the system online and purchase the products displayed by the manufacturer; when the consumer logs in to the system to purchase the product, the system can also perform the product pushing service according to the big data marketing, and the big data marketing is based on multi-platform.
  • a large amount of data, based on the big data technology, is applied to the marketing method of the Internet advertising industry. Big data marketing is derived from the Internet industry and acts in the Internet industry. Relying on multi-platform big data collection, as well as the analysis and forecasting capabilities of big data technology, can make advertising more accurate and effective, and bring higher return on investment to brand enterprises.
  • the use behavior of the fee collector is captured and recorded by the third-party data source, and reported to the platform server for matching; the geographic location information of the consumer is captured by the platform, and the platform server is matched; the platform server retrieves the consumer purchase behavior, and performs analysis and matching; The server synthesizes the above three different data sources, performs filtering and screening, and obtains a matching target with the consumer demand, and pushes it to the consumer terminal.
  • Step S2 dividing the profit of the goods purchased by the consumer into two parts, one is distributed to the manufacturer, and the other is temporarily intercepted by the system, for example, 40% is given to the manufacturer, and 60% is temporarily stored by the system.
  • the system is Exempt the vendor's channel fees and promotion fees;
  • Step S3 the system provides various investment plans for the consumer to select; the invention can comprehensively judge according to the region and the amount of consumption of the consumer, to recommend the corresponding investment plan, and the geographical location is realized by LBS geographic marketing.
  • LBS geographic marketing is a marketing method in which enterprises complete positioning and service sales between fixed users or mobile users by means of the Internet or wireless networks. As shown in Figure 4, the LBS system first locates its city and specific geographic location. The server receives the consumer geographic information and matches the user database. The server matches the product database and the user habits to obtain the recommended investment plan. The database will recommend the investment plan. Pushed to the consumer terminal via the server.
  • Step S4 After the consumer selects the investment plan, the system invests the profit temporarily intercepted, and the investment plan is a fixed asset investment plan;
  • Step S5 When the investment term arrives, the value-added income of the investment is divided into a certain proportion and returned to the consumer, and the remaining proportion is returned to the system, for example, 90-95% is returned to the consumer, and 5-10% is returned to the system to maintain the system. The normal operation.
  • the system also has an offline cooperative merchant, and the consumer obtains an offline membership number when registering the account of the system, and the offline membership number is bound to the account of the system; then the step 1 is replaced by:
  • the profits of the offline cooperative merchant are uploaded to the system through the offline member number of the consumer. That is to say, if the consumer is on-site consumption of the offline merchants of the system, as long as the offline membership number is issued, the merchant can upload the obtained profits to the system through the offline membership number of the consumer, thereby achieving online The unity of consumption and offline consumption.
  • the investment-incorporated consumption system of the present invention includes:
  • the consumption module 101 is configured for the consumer to log in to the system and purchase the products displayed by the manufacturer;
  • the business model module 102 divides the profit of the goods purchased by the consumer into two parts, one is distributed to the manufacturer, and the other is temporarily intercepted by the system;
  • the vendor module 103 is configured to display, by the manufacturer, the product to the consumer in the system, and receive the profit distributed by the business model module;
  • the investment module 104 is configured to provide various investment plans for the consumer to select. When the consumer selects the investment plan, the system invests the profit temporarily intercepted by the business model module; the investment module can also be combined with the LBS system
  • the value-added income distribution module 105 when the investment term arrives, divides the value-added income of the investment into a certain proportion, and returns the consumer to the system, and the remaining proportion is returned to the system.
  • the pushing module 106 is configured to receive data of the consumer, that is, receive a large amount of data based on multiple platforms, and report the data to the system server for matching. When the consumer logs in to the system to purchase the product, the consumer product is matched to the consumer demand. commodity.
  • the consumer's data includes the consumer's usage behavior record data provided by the third party data source, the consumer geographic location information provided by the LBS platform, and the user purchase behavior data retrieved by the system server.
  • the profit module 107 is uploaded, and when the consumer consumes the online merchant, the profit obtained by the offline cooperative merchant is uploaded to the system through the offline member number of the consumer;
  • the offline member number consumer also obtains an offline membership number when registering the account of the system, and the offline membership number is bound to the account of the system.
  • the present invention combines the consumer's daily consumption behavior with the investment behavior, so that the consumer's paid consumption cost can generate value-added income through investment, which greatly saves the consumption cost, and thus can attract a large amount of Consumers come to the online consumption system of the present invention for consumption, and for the manufacturer, on the one hand, the middleman link is reduced, and the online consumption system does not charge any management fee and promotion fee to the manufacturer, but the investment income. In the middle, it reduces the cost of sales of the manufacturer, and for the provider of the online consumer system, it can be drawn in the return of the investment, and still has a return, so in one fell swoop, a good cycle can be formed.

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Abstract

一种结合投资的消费方法，消费者在线上登录系统并选购由厂商展示的商品；将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流；系统提供各种投资方案供消费者选择；当消费者选定投资方案后，系统就将前述暂时截流的那一份利润进行投资；当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。消费者付出的用于购买商品的钱被系统扣下一部分，用于投资，投资所得的收益返还给消费者，从而使消费者的消费费用还具有产生其它增值的可能性，因此会更加吸引消费者。

Description

一种结合投资的消费方法及系统 技术领域
本发明涉及一种消费方法及系统。
背景技术
线上消费系统，相对传统线下的消费而言，优点显而易见，如具有客户分布广、节约成本、营销推广经济、管理高效、便捷的优点。
无论是开设个人网上购物商店还是企业在线购物商城，一套好用的网上购物系统都是必须的。目前的线上消费系统还拥有强大的商城功能，如店铺推荐和搜索，商品推荐和展示等等。运营商可以给商家提供全方位的广告宣传和推广，顾客也可以方便的找到自己心仪的商品和商店。
但不管怎样，目前的线上消费系统只有购物功能，没有投资功能，使得消费者付出的用于购买商品的钱只能全部付给商家，商家再给一比例给系统系统提供商，对于消费者而言，是不具有产生其它增值的可能性的，因此在众多的线上消费系统而言，消费者的收益没有增加，因此没有什么竞争力。
发明内容
本发明要解决的技术问题，在于提供一种结合投资的消费方法及系统，消费者付出的用于购买商品的钱被系统扣下一部分，用于投资，投资所得的收益返还给消费者，从而使消费者的消费费用还具有产生其它增值的可能性，因此会更加吸引消费者。
本发明方法是这样实现的：一种结合投资的消费方法，包括：
步骤S1、用于消费者在线上登录系统并选购由厂商展示的商品；
步骤S2、将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流；
步骤S3、系统提供各种投资方案供消费者选择；
步骤S4、当消费者选定投资方案后，系统就将前述暂时截流的那一份利润进行投资；
步骤S5、当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。
进一步的，所述步骤S3中还根据消费者所处的地域和消费金额进行综合判断，以推荐相应的投资方案。
进一步的，所述投资方案为固定资产投资方案。
进一步的，所述步骤S1中，消费者在线上登录系统进行选购商品时，系统根据大数据营销进行商品推送服务。
进一步的，所述系统还具有线下合作商户，消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定；则所述步骤1替换为：当消费者在线下合作商户消费时，线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统。
本发明系统是这样实现的：一种结合投资的消费系统，包括：
消费模块，用于消费者登录系统并选购由厂商展示的商品；
商业模型模块，将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流；
厂商模块，用于厂商在系统展示商品给消费者购买，并接收所述商业模型模块分配的利润；
投资模块，用于提供各种投资方案供消费者选择，当消费者选定投资方案后，系统就将所述商业模型模块暂时截流的那一份利润进行投资；
增值收益分配模块，当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。
进一步的，本发明系统还包括：推送模块，用于接收消费者的数据，上报给系统服务器进行匹配，当消费者登录系统进行选购商品时，对消费者商品推送消费者需求相匹配的商品。
进一步的，所述消费者的数据包括由第三方数据源提供的该消费者的使 用行为记录数据，由LBS平台提供的消费者地理位置信息、以及系统服务器调取的用户购买行为数据。
进一步的，本发明系统还包括：上传利润模块，当消费者在线下合作商户消费时，用于线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统；其中，所述线下会员号消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定。
本发明具有如下优点：本发明将消费者的日常消费行为与投资行为结合为一体，使消费者的付出去的消费费用又可通过投资产生增值收益，极大地节约了消费成本，因此可吸引大量的消费者前来本发明的线上消费系统进行消费，而对于厂商而言，一方面减少中间商环节，且该线上消费系统不向厂商收取任何管理费、推广费用，而是在投次收益中抽成，降低了厂商的销售成本，而对于线上消费系统的提供商而言，其可以在投次收益中抽成，仍然有回报，因此一举多得，可以形成良好的循环。
附图说明
下面参照附图结合实施例对本发明作进一步的说明。
图1为本发明方法执行流程图。
图2为本发明方法系统架构图。
图3为本发明系统基于大数据营销流程示意图。
图4为基于LBS平台的推荐营销流程图。
具体实施方式
如图1所示，本发明提供的一种结合投资的消费方法包括：
步骤S1、用于消费者在线上登录系统并选购由厂商展示的商品；消费者登录系统进行选购商品时，系统还可以根据大数据营销进行商品推送服务，大数据营销是基于多平台的大量数据，依托大数据技术的基础上，应用于互联网广告行业的营销方式，大数据营销衍生于互联网行业，又作用于互联网行业。依托多平台的大数据采集，以及大数据技术的分析与预测能力，能够使广告更加精准有效，给品牌企业带来更高的投资回报率。如图3所示，消 费者的使用行为被第三方数据源抓取记录，上报平台服务器匹配；消费者的地理位置信息被平台抓取记录，上报平台服务器匹配；平台服务器调取消费者购买行为，进行分析匹配；平台服务器综合以上三种不同数据源，进行过滤筛选，得出与消费者需求匹配标的，推送至消费者终端。
步骤S2、将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流，如40％给厂商，60％由系统暂时保存着，在整个过程中，系统是免收厂商的渠道费用和推广费用；
步骤S3、系统提供各种投资方案供消费者选择；本发明可以根据消费者所处的地域和消费金额进行综合判断，以推荐相应的投资方案，所处的地域如通过LBS地理营销来实现，LBS地理营销就是企业借助互联网或无线网络，在固定用户或移动用户之间，完成定位和服务销售的一种营销方式。如图4所示，首先通过LBS系统定位其所在城市与具体地理位置，服务器接收消费者地理信息并匹配用户数据库，服务器匹配产品数据库与用户习惯得出推荐的投资方案，数据库将推荐的投资方案经服务器推送到消费者终端。
步骤S4、当消费者选定投资方案后，系统就将前述暂时截流的那一份利润进行投资，所述投资方案为固定资产投资方案；
步骤S5、当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得，如90-95％返还给消费者，5-10％归系统所得以维护系统的正常运行。
所述系统还具有线下合作商户，消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定；则所述步骤1替换为：当消费者在线下合作商户消费时，线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统。也就是说，若消费者在系统的线下合作商户现场消费时，只要出具线下会员号，商户就可以将获得的利润通过消费者的线下会员号上传至所述系统，从而实现线上消费和线下消费的统一。
如图2至图4所示，本发明的结合投资的消费系统，包括：
消费模块101，用于消费者登录系统并选购由厂商展示的商品；
商业模型模块102，将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流；
厂商模块103，用于厂商在系统展示商品给消费者购买，并接收所述商业模型模块分配的利润；
投资模块104，用于提供各种投资方案供消费者选择，当消费者选定投资方案后，系统就将所述商业模型模块暂时截流的那一份利润进行投资；该投资模块还可结合LBS系统
增值收益分配模块105，当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。
还包括：
推送模块106，用于接收消费者的数据，即接收基于多平台的大量数据，上报给系统服务器进行匹配，当消费者登录系统进行选购商品时，对消费者商品推送消费者需求相匹配的商品。
所述消费者的数据包括由第三方数据源提供的该消费者的使用行为记录数据，由LBS平台提供的消费者地理位置信息、以及系统服务器调取的用户购买行为数据。
上传利润模块107，当消费者在线下合作商户消费时，用于线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统；
其中，所述线下会员号消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定。
综上所述，本发明将消费者的日常消费行为与投资行为结合为一体，使消费者的付出去的消费费用又可通过投资产生增值收益，极大地节约了消费成本，因此可吸引大量的消费者前来本发明的线上消费系统进行消费，而对于厂商而言，一方面减少中间商环节，且该线上消费系统不向厂商收取任何管理费、推广费用，而是在投次收益中抽成，降低了厂商的销售成本，而对于线上消费系统的提供商而言，其可以在投次收益中抽成，仍然有回报，因此一举多得，可以形成良好的循环。
虽然以上描述了本发明的具体实施方式，但是熟悉本技术领域的技术人 员应当理解，我们所描述的具体的实施例只是说明性的，而不是用于对本发明的范围的限定，熟悉本领域的技术人员在依照本发明的精神所作的等效的修饰以及变化，都应当涵盖在本发明的权利要求所保护的范围内。

Claims (9)

  1. 一种结合投资的消费方法，其特征在于：包括：
    步骤S1、消费者在线上登录系统并选购由厂商展示的商品；
    步骤S2、将消费者购买的商品的利润分成两份，一份分配给厂商，另一份由系统暂时截流；
    步骤S3、系统提供各种投资方案供消费者选择；
    步骤S4、当消费者选定投资方案后，系统就将前述暂时截流的那一份利润进行投资；
    步骤S5、当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。
  2. 根据权利要求1所述的一种结合投资的消费方法，其特征在于：所述步骤S3中还根据消费者所处的地域和消费金额进行综合判断，以推荐相应的投资方案。
  3. 根据权利要求2所述的一种结合投资的消费方法，其特征在于：所述投资方案为固定资产投资方案。
  4. 根据权利要求1所述的一种结合投资的消费方法，其特征在于：所述步骤S1中，消费者在线上登录系统进行选购商品时，系统根据大数据营销进行商品推送服务。
  5. 根据权利要求1所述的一种结合投资的消费方法，其特征在于：所述系统还具有线下合作商户，消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定；则所述步骤1替换为：
    当消费者在线下合作商户消费时，线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统。
  6. 一种结合投资的消费系统，其特征在于：包括：
    消费模块，用于消费者登录系统并选购由厂商展示的商品；
    商业模型模块，将消费者购买的商品的利润分成两份，一份分配给厂商， 另一份由系统暂时截流；
    厂商模块，用于厂商在系统展示商品给消费者购买，并接收所述商业模型模块分配的利润；
    投资模块，用于提供各种投资方案供消费者选择，当消费者选定投资方案后，系统就将所述商业模型模块暂时截流的那一份利润进行投资；
    增值收益分配模块，当投资期限到达时，将投资所得的增值收益进行分成，一定比例返还消费者，剩余比例归系统所得。
  7. 根据权利要求6所述的一种结合投资的消费系统，其特征在于：还包括：
    推送模块，用于接收消费者的数据，上报给系统服务器进行匹配，当消费者登录系统进行选购商品时，对消费者商品推送消费者需求相匹配的商品。
  8. 根据权利要求7所述的一种结合投资的消费系统，其特征在于：所述消费者的数据包括由第三方数据源提供的该消费者的使用行为记录数据，由LBS系统提供的消费者地理位置信息、以及系统服务器调取的用户购买行为数据。
  9. 根据权利要求6所述的一种结合投资的消费系统，其特征在于：还包括：
    上传利润模块，当消费者在线下合作商户消费时，用于线下合作商户将获得的利润通过消费者的线下会员号上传至所述系统；
    其中，所述线下会员号消费者在注册系统的帐号时同时会获得一个线下会员号，该线下会员号与所述系统的帐号绑定。
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