阅读说明：本技术 一种基于数字资产的商品购买方法 (Commodity purchasing method based on digital assets ) 是由 胡旭成 张帆 于 2020-04-23 设计创作，主要内容包括：本公开的实施例提供了一种基于数字资产的商品购买方法,包括计算待购买商品对应第一数字资产平台的待支付数字资产；所述待购买商品为第一用户在第一数字资产平台展示的商品中选择购买的商品；根据所述第一用户的第一多数字资产交换平台账户确定待支付数字资产的支付方式；根据所述第一用户的购买指令,按照所述支付方式收取对应的待支付数字资产。以此方式,打通不同数字资产平台之间的壁垒,使用户在平台商品购买过程中,可以跨平台整合及利用数字资产作为商品价款,并且能够优先使用各平台的数字资产资源,最大限度的提升个人用户数字资产的利用率,同时利用锚定数字资产使数字资产种类和额度达到统一基准,提升了个人用户数字资产的等价率。(The embodiment of the disclosure provides a commodity purchasing method based on digital assets, which comprises the steps of calculating digital assets to be paid, corresponding to a first digital asset platform, of commodities to be purchased; the commodities to be purchased are commodities selected to be purchased by a first user from commodities displayed on a first digital asset platform; determining a payment mode of the digital assets to be paid according to the first multi-digital asset exchange platform account of the first user; and according to the purchase instruction of the first user, collecting the corresponding digital assets to be paid according to the payment mode. In this way, barriers between different digital asset platforms are opened, so that a user can integrate and utilize digital assets as commodity prices in a platform commodity purchasing process in a cross-platform mode, digital asset resources of each platform can be used preferentially, the utilization rate of digital assets of an individual user is improved to the maximum extent, meanwhile, the types and the amount of the digital assets reach a unified standard by using the anchored digital assets, and the equivalence rate of the digital assets of the individual user is improved.)

1. A method for purchasing goods based on digital assets, the method comprising:

calculating the digital assets to be paid of the commodities to be purchased corresponding to the first digital asset platform; the commodities to be purchased are commodities selected to be purchased by a first user from commodities displayed on a first digital asset platform;

determining a payment mode of the digital assets to be paid according to a first multi-digital asset exchange platform account of the first user;

and according to the purchase instruction of the first user, collecting the corresponding digital assets to be paid according to the payment mode.

2. The method of claim 1, wherein calculating the digital asset to be paid for the item to be purchased corresponding to the first digital asset platform comprises:

presetting the digital asset exchange rate of the first digital asset platform, and calculating the corresponding digital asset to be paid according to the total price of the commodity to be purchased;

the digital assets to be paid for are:

P＝e₁Q

wherein P is the digital assets to be paid of the first digital asset platform corresponding to the commodities to be purchased; e.g. of the type₁A digital asset exchange rate for a first digital asset platform; q is the total price of the commodity to be purchased corresponding to the first digital asset platform.

3. The method of claim 1, wherein determining the payment method for the digital asset to be paid based on the first multi-digital asset exchange platform account of the first user comprises:

judging whether the digital asset to be paid is larger than the account balance of a first digital asset platform;

if so, calculating a difference part of the balance of the digital asset to be paid and the first digital asset platform account, wherein the difference part is paid from other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account;

and if not, paying the digital asset to be paid through the account balance of the first digital asset platform.

4. The method of claim 3, wherein the portion of the balance of the digital asset to be paid from the first digital asset platform account is a first balance or a second balance;

the first difference is a difference value between the digital asset to be paid and the digital asset corresponding to the first digital asset platform account balance, and the first digital asset platform account balance comprises a digital asset balance and a currency balance in a first digital asset platform account;

the second difference is a difference between the digital asset to be paid and a balance of the digital asset in the first digital asset platform account.

5. The method of claim 4, wherein when the deficit portion is a first deficit, the first deficit is paid from a digital asset platform sub-account other than a first digital asset platform sub-account in the first multi-digital asset exchange platform account, comprising:

calculating an anchored digital asset corresponding to the first deficit; the first deficit corresponds to an anchored digital asset that is:

wherein, K₁An anchor digital asset corresponding to the first deficit; h₁Is a first difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁A digital asset exchange rate for a first digital asset platform;

determining whether the sum of the anchored digital assets of the balance of the sub-accounts of the other digital asset platforms except the sub-account of the first digital asset platform in the first multi-digital asset exchange platform account is greater than or equal to the anchored digital assets of the first difference; if so, transferring the digital assets corresponding to the first balance from the digital asset accounts of the multiple digital asset exchange platform accounts to the first digital asset platform sub-account; and if the difference value is smaller than the first difference value, calculating the difference value between the first difference value and the sum of the balance of the anchor digital assets of the sub-accounts of the other digital asset platforms except the sub-account of the first digital asset platform in the first multi-digital asset exchange platform account, and prompting the currency amount corresponding to the difference value to the first user.

6. The method of claim 4, wherein when the deficit portion is a second deficit, the second deficit is paid from a digital asset platform sub-account other than a first digital asset platform sub-account in the first multi-digital asset exchange platform account, comprising:

computing an anchored digital asset of the second deficit; the second deficit corresponds to an anchor digital asset that is:

wherein, K₂An anchor digital asset corresponding to the second deficit; h₂Is a second difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁A digital asset exchange rate for a first digital asset platform;

judging whether the sum of the anchor digital assets of the balance of the digital assets of the sub-accounts of the other digital asset platforms except the sub-account of the first digital asset platform in the first multi-digital asset exchange platform account is larger than or equal to the anchor digital assets of the second balance; if so, transferring the digital assets corresponding to the second balance from the digital asset account of the multiple digital asset exchange platform account to the first digital asset platform sub-account; if the first difference is less than the second difference, calculating a third difference, and judging whether the anchored digital asset corresponding to the currency balance of the first digital asset platform sub-account is greater than or equal to the third difference; transferring digital assets corresponding to the third balance from the digital asset accounts of the multiple digital asset exchange platform account to the first digital asset platform sub-account if the anchored digital assets corresponding to the monetary balance of the first digital asset platform sub-account are greater than or equal to the third balance; if the anchored digital assets corresponding to the currency balance of the first digital asset platform sub-account are smaller than the third difference, calculating a fourth difference, and judging whether the sum of the anchored digital assets of the currency balances of the other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account is larger than or equal to the fourth difference; transferring digital assets corresponding to the fourth difference from the digital asset account of the multi-digital asset exchange platform account to the first digital asset platform sub-account if the sum of the anchor digital assets in the currency balances of the digital asset platform sub-accounts other than the first digital asset platform sub-account in the first multi-digital asset exchange platform account is greater than or equal to the fourth difference, calculating the difference between the fourth difference and the sum of the anchor digital assets in the currency balances of the digital asset platform sub-accounts other than the first digital asset platform sub-account in the first multi-digital asset exchange platform account if the sum of the anchor digital assets in the currency balances of the digital asset platform sub-accounts other than the first digital asset platform sub-account is less than the fourth difference, and prompting the currency amount corresponding to the difference value to the first user;

the third difference is the difference between the anchored digital asset of the second difference and the sum of the anchored digital assets of the digital asset platform sub-account balances of other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account;

the fourth difference is a difference between the anchored digital asset of the third difference and the anchored digital asset corresponding to the monetary balance of the first digital asset platform sub-account.

7. The method of claim 5 or 6, wherein prior to transferring digital assets from the digital asset accounts of the multiple digital asset exchange platform accounts to the first digital asset platform sub-account, the digital assets of the corresponding digital assets to be transferred of the digital asset platform sub-accounts of the first multiple digital asset exchange platform accounts other than the first digital asset platform sub-account are frozen.

8. The method of claim 5 or 6, wherein the frozen digital assets are transferred to the digital asset account of the multi-digital asset exchange platform account after transferring digital assets from the digital asset account of the multi-digital asset exchange platform account to the first digital asset platform sub-account.

9. The method of claim 5 or 6, wherein the baseline exchange rate is:

and selecting a third-party digital asset platform 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.

10. The method of claim 9, wherein selecting a third party digital asset platform as a reference third party digital asset platform comprises:

sorting the commodities according to the commodity exchange quantity of each third-party digital asset platform associated with the first user, and selecting a first quantity of commodities with the largest sum of the commodity exchange quantities;

calculating the total transaction amount of each commodity in the first quantity of commodities, sequencing according to the total transaction amount of each commodity in the first quantity of commodities, and selecting a second quantity of commodities which are in the same third-party digital asset platform and have the maximum total transaction amount;

and taking the third-party digital asset platform corresponding to the selected second quantity of commodities as a reference third-party digital asset platform.

Technical Field

Embodiments of the present disclosure relate generally to the field of computer technology, and more particularly, to a method for purchasing goods based on digital assets.

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 display market of digital assets, the digital assets generally refer to digital certificates with a certain amount given to consumption behaviors of consumers in order to encourage the consumers to consume in the future by using various technologies such as computers, internet and the like by point distributors; or the credit 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, these platforms are independent from each other, the digital assets acquired by the customer can only be traded in the platform, the tradeable goods or services are limited, and the digital assets in the digital asset platform cannot be preferentially selected for payment in the process of purchasing the goods by the customer, so that the digital assets are often expired and invalidated, which brings loss to the customer.

The limitation of the traditional digital asset payment mode leads to that the digital assets can only be used in very limited occasions, and the exchange of the digital assets and the purchase of commodities among different digital asset platforms cannot be realized; the initial purpose of promoting consumption and activating the market is not achieved.

Disclosure of Invention

According to an embodiment of the present disclosure, there is provided a method for purchasing goods based on digital assets. The method comprises the following steps:

calculating the digital assets to be paid of the commodities to be purchased corresponding to the first digital asset platform; the commodities to be purchased are commodities selected to be purchased by a first user from commodities displayed on a first digital asset platform;

determining a payment mode of the digital assets to be paid according to a first multi-digital asset exchange platform account of the first user;

and according to the purchase instruction of the first user, collecting the corresponding digital assets to be paid according to the payment mode.

Further, the calculating the digital assets to be paid of the commodities to be purchased corresponding to the first digital asset platform comprises:

presetting the digital asset exchange rate of the first digital asset platform, and calculating the corresponding digital asset to be paid according to the total price of the commodity to be purchased;

the digital assets to be paid for are:

P＝e₁Q

wherein P is the digital assets to be paid of the first digital asset platform corresponding to the commodities to be purchased; e.g. of the type₁A digital asset exchange rate for a first digital asset platform; q is the total price of the commodity to be purchased corresponding to the first digital asset platform.

Further, the determining the payment method of the digital asset to be paid according to the first multi-digital asset exchange platform account of the first user includes:

judging whether the digital asset to be paid is larger than the account balance of a first digital asset platform;

if so, calculating a difference part of the balance of the digital asset to be paid and the first digital asset platform account, wherein the difference part is paid from other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account;

and if not, paying the digital asset to be paid through the account balance of the first digital asset platform.

Further, the difference part between the digital asset to be paid and the account balance of the first digital asset platform is a first difference or a second difference;

the first difference is a difference value between the digital asset to be paid and the digital asset corresponding to the first digital asset platform account balance, and the first digital asset platform account balance comprises a digital asset balance and a currency balance in a first digital asset platform account;

the second difference is a difference between the digital asset to be paid and a balance of the digital asset in the first digital asset platform account.

Further, when the deficit portion is a first deficit, the first deficit is paid from other digital asset platform sub-accounts of the first multi-digital asset exchange platform account other than a first digital asset platform sub-account, including:

calculating an anchored digital asset corresponding to the first deficit; the first deficit corresponds to an anchored digital asset that is:

wherein, K₁An anchor digital asset corresponding to the first deficit; h₁Is a first difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁A digital asset exchange rate for a first digital asset platform;

determining whether the sum of the anchored digital assets of the balance of the sub-accounts of the other digital asset platforms except the sub-account of the first digital asset platform in the first multi-digital asset exchange platform account is greater than or equal to the anchored digital assets of the first difference; if so, transferring the digital assets corresponding to the first balance from the digital asset accounts of the multiple digital asset exchange platform accounts to the first digital asset platform sub-account; if so, the payment fails.

Further, when the deficit portion is a second deficit, the second deficit is paid from other digital asset platform sub-accounts of the first multi-digital asset exchange platform account other than the first digital asset platform sub-account, including:

computing an anchored digital asset of the second deficit; the first deficit corresponds to an anchored digital asset that is:

wherein, K₂An anchor digital asset corresponding to the second deficit; h₂Is a second difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁A digital asset exchange rate for a first digital asset platform;

judging whether the sum of the anchor digital assets of the balance of the digital assets of the sub-accounts of the other digital asset platforms except the sub-account of the first digital asset platform in the first multi-digital asset exchange platform account is larger than or equal to the anchor digital assets of the second balance; if so, transferring the digital assets corresponding to the second balance from the digital asset account of the multiple digital asset exchange platform account to the first digital asset platform sub-account; if the first difference is less than the second difference, calculating a third difference, and judging whether the anchored digital asset corresponding to the currency balance of the first digital asset platform sub-account is greater than or equal to the third difference; transferring digital assets corresponding to the third balance from the digital asset accounts of the multiple digital asset exchange platform account to the first digital asset platform sub-account if the anchored digital assets corresponding to the monetary balance of the first digital asset platform sub-account are greater than or equal to the third balance; if the anchored digital assets corresponding to the currency balance of the first digital asset platform sub-account are smaller than the third difference, calculating a fourth difference, and judging whether the sum of the anchored digital assets of the currency balances of the other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account is larger than or equal to the fourth difference; transferring digital assets corresponding to the fourth difference from the digital asset accounts of the multiple digital asset exchange platform accounts to a first digital asset platform sub-account if the sum of the anchor digital assets of the monetary balances of the digital asset platforms other than the first digital asset platform sub-account in the first multiple digital asset exchange platform account is greater than or equal to the fourth difference, and failing payment if the sum of the anchor digital assets of the monetary balances of the digital asset platforms other than the first digital asset platform sub-account in the first multiple digital asset exchange platform account is less than the fourth difference;

the third difference is the difference between the anchored digital asset of the second difference and the sum of the anchored digital assets of the digital asset platform sub-account balances of other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multi-digital asset exchange platform account;

the fourth difference is a difference between the anchored digital asset of the third difference and the anchored digital asset corresponding to the monetary balance of the first digital asset platform sub-account.

Further, before transferring the digital assets from the digital asset accounts of the multiple digital asset exchange platform accounts to the first digital asset platform sub-account, the digital assets of the digital assets to be transferred corresponding to the digital assets to be transferred of other digital asset platform sub-accounts except the first digital asset platform sub-account in the first multiple digital asset exchange platform account are frozen.

Further, after transferring digital assets from the digital asset account of the multiple digital asset exchange platform account to the first digital asset platform sub-account, transferring the frozen digital assets to the digital asset account of the multiple digital asset exchange platform account.

Further, the baseline exchange rate is:

and selecting a third-party digital asset platform 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 selecting a third party digital asset platform as a reference third party digital asset platform includes:

sorting the commodities according to the commodity exchange quantity of each third-party digital asset platform associated with the first user, and selecting a first quantity of commodities with the largest sum of the commodity exchange quantities;

calculating the total transaction amount of each commodity in the first quantity of commodities, sequencing according to the total transaction amount of each commodity in the first quantity of commodities, and selecting a second quantity of commodities which are in the same third-party digital asset platform and have the maximum total transaction amount;

and taking the third-party digital asset platform corresponding to the selected second quantity of commodities as a reference third-party digital asset platform.

Through the technical scheme, barriers between different digital asset platforms are opened, so that a user can integrate and utilize the digital assets as commodity prices in a platform commodity purchasing process in a cross-platform mode, digital asset resources of each platform can be used preferentially, the utilization rate of the digital assets of an individual user is improved to the maximum extent, the types and the amount of the digital assets reach a unified standard by using the anchored digital assets, and the equivalence ratio of the digital assets of the individual user is improved.

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

Drawings

The above and other features, advantages and aspects of various embodiments of the present disclosure 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 illustrates a modular structure topology according to an embodiment of the present disclosure;

FIG. 2 illustrates a flow chart of a point based merchandise purchase method according to an embodiment of the present disclosure;

FIG. 3 illustrates a payment method determination flow diagram when the difference to be paid is a first difference, according to an embodiment of the disclosure;

fig. 4 shows a payment method determination flowchart when the difference to be paid is the second difference according to an embodiment of the present disclosure.

Detailed Description

To make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions of the embodiments of the present disclosure will be described clearly and completely with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are some, but not all embodiments of the present disclosure. All other embodiments, which can be derived by a person skilled in the art from the embodiments disclosed herein without making any creative effort, shall fall within the protection scope of the present disclosure.

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.

According to the method, barriers among different digital asset platforms are opened, so that a user can integrate and utilize the digital assets as commodity prices in a platform commodity purchasing process in a cross-platform mode, digital asset resources of all platforms can be used preferentially, the utilization rate of the digital assets of an individual user is improved to the maximum extent, the types and the amount of the digital assets reach a unified standard by means of anchoring the digital assets, and the equivalence ratio of the digital assets of the individual user is improved.

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 illustrates a modular structure topology according to an embodiment of the present disclosure.

A 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.

Fig. 2 illustrates a flowchart of a point-based merchandise purchase method according to an embodiment of the present disclosure.

The method comprises the following steps:

s210, calculating the to-be-paid points of the to-be-purchased commodities corresponding to the first point platform; the goods to be purchased are the goods selected to be purchased by the first user in the goods displayed by the first point platform.

The first user is a registered user of the multi-point exchange platform. When a user becomes a registered user of the multi-point exchange platform, the multi-point exchange platform establishes an account of the multi-point exchange platform for the user in accounts of the multi-point exchange platform arranged under the platform.

The first user is associated with a plurality of third-party point platforms, and in the multi-point exchange platform account, a point platform sub-account corresponding to the third-party point platform is set under the third-party point platform which is registered or associated according to user history.

The first user selects a third party point platform associated with the first user when shopping, namely the first point platform, selects one or more commodities in the first point platform and initiates a payment request to a third party point platform server. The payment amount of the payment request is generally marked in the form of a monetary amount, for example, xiaoming purchases a pair of rummy canvas shoes on a panning platform, and requests to pay the corresponding cost of the pair of canvas shoes by 500 yuan.

And the payment request is sent to the multi-point exchange platform server by the first user through the first user client, and is forwarded to the third-party point platform server by the multi-point exchange platform server. The payment request at least comprises first identification information and transaction amount, wherein the first identification information at least comprises association information of the first user and the first multi-point exchange platform account and first point platform account information, and the first point platform account information comprises user name information, account balance information, associated first point platform account information and the like. 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.

Preferably, the payment request may further include an article identification.

Further, calculating the to-be-paid points of the to-be-purchased commodities corresponding to the first point platform comprises the following steps:

presetting the point exchange rate of the first point platform, and calculating the corresponding point to be paid according to the total price of the commodity to be purchased; 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. For example, the panning platform is used as a third-party point platform, the kangshi braised beef noodles and the kachuma chili sauce are used as two commodities selected on the panning platform, the total point exchange value P is 40000 points, the corresponding transaction total amount Q is 10000 yuan, namely the point exchange rate e of the panning platform is 4, and the point exchange rate e of the panning platform is used as a reference exchange rate to indicate that every 4 points can be exchanged for 1 yuan in the panning platform.

The to-be-paid credit comprises:

P＝e₁Q

p is the to-be-paid point of the to-be-purchased commodity corresponding to the first point platform; e.g. of the type₁A point exchange rate for the first point platform; q is the total price of the commodity to be purchased corresponding to the first point platform.

As an embodiment of the present invention, the first point platform is a panning platform, the goods to be purchased is a pair of kuanwei canvas shoes, and the price of the goods to be purchased is 500 yuan, then:

the point exchange rate of the Taobao net is preset to be 4, and the following results are obtained:

the to-be-paid credit comprises:

P＝e₁Q＝2000

it can be known that the corresponding payment score of a pair of Conway canvas shoes in the Taobao platform is 2000 points.

S220, determining the payment mode of the credit to be paid according to the first multi-credit exchange platform account of the first user.

Judging whether the credit to be paid is larger than the balance of a first credit platform account; if the sum is greater than the first point platform account balance, calculating a difference part between the point to be paid and the first point platform account balance, wherein the difference part is paid from other point platform sub-accounts except the first point platform sub-account in the first multi-point exchange platform account; and if not, paying the credit to be paid through the account balance of the first credit platform.

The difference part between the credit to be paid and the balance of the first credit platform account is a first difference or a second difference; the first difference is a difference value between the point to be paid and a point corresponding to the balance of the first point platform account, and the balance of the first point platform account comprises a point balance and a currency balance in the first point platform account; the second difference is the difference between the point to be paid and the point balance in the first point platform account.

As an embodiment of the present invention, the other sub-accounts of the first multi-point exchange platform account except the sub-account of the first point platform include a second sub-account of the point platform, a third sub-account of the point platform, and the like.

As an embodiment of the present invention, the point to be paid is greater than the first point platform account balance; and calculating a difference part between the credit to be paid and the balance of the first credit platform account, and paying the difference part from other credit platform sub-accounts except the first credit platform sub-account in the first multi-credit exchange platform account. The first point platform account balance comprises a point balance and a currency balance in a first point platform account; for example, the Taobao platform account balance includes 400 Taobao coins and a 100-dollar account balance.

Further, as shown in fig. 3, when the deficit portion is a first deficit, the first deficit is paid from the sub-accounts of the other bonus platforms except the sub-account of the first bonus platform in the first multi-bonus exchange platform account, and an anchor credit corresponding to the first deficit is first calculated.

The first difference corresponds to an anchor integral of:

wherein, K₁An anchor integral corresponding to the first difference; h₁Is a first difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁Is the exchange rate of points for the first platform of points.

In some embodiments, the anchor points are one or more point types determined by the multiple point exchange platform from the point exchange history, or a determined virtual point type, as a reference for 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.

In this embodiment, assuming that the account balance of the panning platform includes 400 panning coins and a 100 yuan account balance, the anchor integral corresponding to the first difference is:

it can be seen that the anchor integral for the first difference is 600 integrals.

Next, judging whether the sum of the anchor points of the balance of the sub-accounts of the other score platforms except the sub-account of the first score platform in the account of the first multi-score exchange platform is larger than or equal to the anchor point of the first difference; if so, transferring the points corresponding to the first difference from the points account of the multi-points exchange platform account to the first points platform sub-account; and if the sum of the first difference and the anchor points of the balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account is less than the first sum, calculating the difference value of the first difference and the sum of the anchor points of the balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account, and prompting the currency amount corresponding to the difference value to the first user.

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.

After determining an 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. 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.

Whether the sum of the anchor points of the balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is greater than or equal to the anchor point of the first difference or not needs to be judged because whether the account balance of the other third party point platforms related to the first user is enough to pay the anchor point corresponding to the first difference or not needs to be judged. In principle, if the anchor points of the first balance are sufficient to be paid, payment is made via the account balances of the other third party points platforms associated with the first user, so that the account balances are used as preferentially as possible. And at the moment, transferring the points corresponding to the first difference from the point account of the multi-point exchange platform account to the first point platform sub-account for the payment of the first user.

As an embodiment of the present invention, the sum of the anchor points of the balance of the sub-accounts of the other scoring platforms except the sub-account of the first scoring platform in the account of the first multi-point exchange platform is greater than or equal to the anchor point of the first difference, for example, the sub-account of the scoring platform except the sub-account of the panning account: and if the sum of the anchor points of the account balances of the Jingdong sub-account and the network easy-to-tighten sub-account is 800 and is larger than the first difference 600, transferring 600 points from the point account of the multi-point exchange platform account to the Taobao platform sub-account, and giving a payment prompt to the first user for the first user to finish payment.

As an embodiment of the present invention, the multi-point exchange platform server checks the balance of each sub-account in a first multi-point exchange platform account associated with the first user, if the sum of anchor points of the balance of sub-accounts of other point platforms except the first point platform sub-account in the first multi-point exchange platform account is less than the anchor point of the first difference; for example, a points platform sub-account outside of the tabloid account: and if the sum of the anchor points of the account balances of the Jingdong sub-account and the network easy-to-tighten sub-account is 300 and is smaller than the first difference 600, calculating a difference value between the first difference and the sum of the anchor points of the balance of the sub-accounts of other scoring platforms except the sub-account of the first scoring platform in the account of the first multi-scoring exchange platform, namely 300, and prompting the currency amount corresponding to the difference value to the first user. At this time, the first user may choose to pay for the difference by other means, such as payment by a payer, WeChat payment, credit card payment, savings card payment, and the like.

Further, as shown in fig. 4, when the deficit portion is a second deficit, the second deficit is paid from other sub-accounts of the first multi-point exchange platform account except for the sub-account of the first point platform, including:

first, calculating an anchor integral of the second deficit;

the second difference corresponds to an anchor integral of:

wherein, K₂An anchor integral corresponding to the second difference; h₂Is a second difference; e.g. of the type₀As a baseline exchange rate; e.g. of the type₁Is the exchange rate of points for the first platform of points.

As an embodiment of the present invention, the second difference corresponds to an anchor integral:

that is, the second difference corresponds to an anchor integral of 800.

The base exchange rate e₀Selecting a third-party point platform as a reference third-party point platform, and taking the point exchange rate of the reference third-party point platform as a reference exchange rate.

Further, the selecting a third party point platform as a reference third party point platform includes:

sorting the commodities according to the commodity exchange quantity of each third-party point platform associated with the first user, and selecting a first quantity of commodities with the largest sum of the commodity exchange quantities;

calculating the total transaction amount of each commodity in the first quantity of commodities, sequencing according to the total transaction amount of each commodity in the first quantity of commodities, and selecting a second quantity of commodities which are in the same third-party point platform and have the maximum total transaction amount;

and taking the third-party point platform corresponding to the selected second quantity of commodities as a reference third-party point platform.

As an embodiment of the invention, the commodities are sorted according to the sum of the exchange quantities of the commodities on each third-party point platform, the first quantity of commodities with the largest sum of the exchange quantities are selected, and the selling prices of the selected commodities on each third-party point platform are obtained; wherein the first number is a positive integer greater than or equal to 1, and is optionally 5.

As an embodiment of the present invention, there are 3 third party points platforms, which are respectively the jingdong, naobao and cybercai, 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.

As a preferred implementation manner of the above embodiment, the selling price of the first quantity of commodities in a certain time range of the third-party point platform is obtained, and the time range is the same as the time range of the point redemption record.

Further, the total transaction amount of each commodity in the first quantity of commodities is calculated through the sum of the converted amount of the commodities on each third-party platform and the corresponding selling price, the total transaction amount of each commodity in the first quantity of commodities is sequenced according to the total transaction amount of each commodity in the first quantity of commodities, and a second quantity of commodities which are in the same third-party point platform and have the largest total transaction amount are selected. 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. Therefore, the Taobao platform is used as a reference third-party point platform.

Further, whether the sum of the anchor points of the point balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is larger than or equal to the anchor point of the second difference is judged; if so, transferring the points corresponding to the second difference from the points account of the multi-points exchange platform account to the first points platform sub-account; if the sum is less than the first difference, calculating a third difference, and judging whether an anchor point corresponding to the currency balance of the first point platform sub-account is greater than or equal to the third difference; transferring points corresponding to the third difference from the points account of the multi-points exchange platform account to the first points platform sub-account if the anchor points corresponding to the currency balance of the first points platform sub-account are greater than or equal to the third difference; if the anchor points corresponding to the currency balances of the first multi-point exchange platform sub-account are smaller than the third difference, calculating a fourth difference, and judging whether the sum of the anchor points of the currency balances of other multi-point exchange platform sub-accounts except the first multi-point exchange platform sub-account is larger than or equal to the fourth difference; if the sum of the anchor points of the money balances of the other credit platform sub-accounts except the first credit platform sub-account in the first multi-credit exchange platform account is greater than or equal to the fourth difference, transferring the credit corresponding to the fourth difference from the credit account of the multi-credit exchange platform account to the first credit platform sub-account, if the sum of the anchor points of the money balances of the other credit platform sub-accounts except the first credit platform sub-account in the first multi-credit exchange platform account is less than the fourth difference, calculating the difference value between the fourth difference and the sum of the anchor points of the money balances of the other credit platform sub-accounts except the first credit platform sub-account in the first multi-credit exchange platform account, and prompting the money amount corresponding to the difference value to the first user.

As an embodiment of the present invention, the sum of the anchor points of the point balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is greater than or equal to the anchor point of the second difference; transferring points corresponding to the second difference from a points account of the multi-points exchange platform account to the first points platform sub-account. For example, the other sub-accounts of the credit platform except the sub-account of the Taobao platform comprise a Jingdong sub-account and a Neyi Seisakui sub-account, the credit balance in the Jingdong sub-account is 400, and the credit exchange rate of the Jingdong platform is 2; the point balance in the network easy strictness selection sub-account is 100, and the point exchange rate of the network easy strictness selection platform is 1; if the sum of anchor points of the point balances of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account is 800+100 to 900, and the second difference is 800, it may be determined that the sum of anchor points 900 of the point balances of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account is greater than the second difference 800, and the point 800 corresponding to the second difference is transferred from the point account of the multi-point exchange platform account to a pan platform sub-account, i.e., the first point platform sub-account.

As an embodiment of the present invention, the sum of the anchor points of the point balance of the sub-accounts of the other point platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is smaller than the anchor point of the second difference; for example, the other sub-accounts of the credit platform except the sub-account of the Taobao platform include a Jingdong sub-account and a Neyi Seisan sub-account, the credit balance in the Jingdong sub-account is 200, and the credit exchange rate of the Jingdong platform is 2; the point balance in the network easy strictness selection sub-account is 100, and the point exchange rate of the network easy strictness selection platform is 1; if the sum of the anchor points of the point balances of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account is 400+100 to 500, and the second difference is 800, it can be determined that the sum of the anchor points of the point balances of the sub-accounts of the other point platforms except the sub-account of the first point platform in the first multi-point exchange platform account 500 is less than the second difference 800, then a third difference is calculated; the third difference is a difference value 300 between the anchor point 800 of the second difference and the sum 500 of the anchor points of the point balance of the other point platform sub-accounts except the first point platform sub-account in the first multi-point exchange platform account; at this time, whether the anchor point corresponding to the currency balance of the first point platform sub-account is larger than or equal to the third difference is judged.

As an embodiment of the present invention, first, the currency balance corresponding to the third difference is calculated, that is, 300/4 ═ 75 yuan, and the currency balance of the tabbing platform sub-account is 100 yuan, at this time, if the anchor point corresponding to the currency balance of the first point platform sub-account is greater than the third difference, the point corresponding to the third difference is transferred from the point account of the multi-point exchange platform account to the first point platform sub-account; that is, 300 points are transferred from the points account to the panning platform sub-account.

As an embodiment of the present invention, if the anchor points corresponding to the money balances of the sub-accounts of the first multi-point exchange platform are smaller than the third difference, a fourth difference is calculated, and it is determined whether the sum of the anchor points of the money balances of the sub-accounts of the other multi-point exchange platform except the sub-account of the first multi-point exchange platform account is greater than or equal to the fourth difference; the fourth difference is a difference value between the anchor point of the third difference and the anchor point corresponding to the currency balance of the first point platform sub-account. For example, if the first point platform sub-account is a panning platform sub-account, the currency balance of the first point platform sub-account is 50 yuan, and the point exchange rate of the panning platform is 4, the anchor point corresponding to the currency balance is 200, the third difference is 300, and at this time, the anchor point corresponding to the currency balance of the panning platform 200 is smaller than the third difference 300, the fourth difference is calculated to be 100.

As an embodiment of the present invention, if the sum of the anchor points of the money balances of the sub-accounts of the other points platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is greater than or equal to the fourth difference, for example, the fourth difference is 100, the sum of the anchor points of the money balances of the sub-accounts of the other points platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is 100 and equal to the fourth difference; or the sum of the anchor points of the money balances of the sub-accounts of the other point platforms except the sub-account of the first point platform in the account of the first multi-point exchange platform is 200 and is more than a fourth difference; transferring points corresponding to the fourth difference from the points account of the multi-points exchange platform account to the first points platform sub-account.

As an embodiment of the present invention, if the sum of the anchor points of the money balances of the sub-accounts of the other credit platforms except the sub-account of the first credit platform in the account of the first multi-credit exchange platform is smaller than the fourth difference, for example, the fourth difference is 100, and the sum of the anchor points of the money balances of the sub-accounts of the other credit platforms except the sub-account of the first credit platform in the account of the first multi-credit exchange platform is 80, it indicates that the balance of the account of the third party payment platform associated with the first user is not enough to pay the amount to be paid, at this time, the money amount to be paid after deducting all the balance of the account of the third party payment platform associated with the first user is calculated to be 20 yuan, and a prompt is sent to the first user. At this time, the first user may choose to pay for the difference by other means, such as payment by a payer, WeChat payment, credit card payment, savings card payment, and the like.

And through a second difference payment mode, the point balance in each point platform account associated with the first user can be preferentially used, after the point balance is used for payment, the currency balance in the platform account is paid, if the payment amount is still insufficient, the payment is finished through other payment modes, the point resources of each platform are preferentially used, and the point utilization rate of the individual user is improved to the maximum extent.

Further, before transferring the points from the point account of the multi-point exchange platform account to the first point platform sub-account, the points of the other point platform sub-accounts except the first point platform sub-account in the first multi-point exchange platform account, which correspond to the points to be transferred, are frozen.

In some embodiments, the multi-points exchange platform server freezes points corresponding to the anchor point amount in a first multi-points exchange platform account associated with the first user other than the first points platform sub-account, e.g., a second points platform sub-account and/or a third points platform sub-account.

In some embodiments, the multiple points exchange platform server sequentially freezes points in platform sub-accounts other than the first points platform sub-account in the first multiple points 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 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.

Further, after transferring points from the points account of the multi-points exchange platform account to the first points platform sub-account, transferring the frozen points to the points account of the multi-points exchange platform account, thereby completing the entire anchored points transaction.

After the points corresponding to the points to be transferred 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.

As an embodiment of the present invention, the method further includes sending a query request to each credit platform sub-account in the first multi-credit exchange platform account, so that the credit platform sub-account responding to the query request queries the credit amount of the credit platform sub-account and feeds the credit amount back to the multi-credit exchange platform server.

And S230, collecting corresponding points to be paid according to the purchase instruction of the first user in the payment mode.

When the payment is carried out in any mode of the above embodiments, the multi-point exchange platform server sends payment prompt information to the third-party point platform, and the payment prompt information at least comprises the amount to be paid and the payment route.

And the first user sends a purchase instruction according to the payment prompt information, and collects the corresponding credit and/or monetary amount to be paid according to the selected payment mode and/or payment route to finish commodity payment.

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.