Trading stepwise affirmation payment administrative system and its payment procedure

Abstract

The invention provides a transaction step confirming payment management system and a payment method for using the same, belonging to the fund transaction system and method technical field. The system comprises a magnetic card storing ID numbers of members, a card-reading device recording ID numbers of sellers and a data processing center server which is used for loading a system database and a system website. The data transmission between the card-reading device and the data processing center server is performed through a network; corresponding data is stored in the system database; the data processing center server comprises a payment and settlement module, a consumed member management module, a seller account management module, a commodity information management module and a hardware unit functional module. The payment management system as a third-party deposit platform helps a purchaser deposit consumed money, gradually confirms payment for a seller step by step during the consuming process, and provides a reliable, safe and quality guaranteed payment mode for a saving type consumption mode with longer consumption cycle.

Description

technical field [0001] The invention belongs to the technical field of capital transaction systems and methods thereof, in particular to a payment management system for step-by-step confirmation of transactions and a payment method thereof. Background technique [0002] The traditional transaction method is to pay with one hand and deliver with one hand. This has been the transaction method since ancient times, but with the progress of modern society, the form of savings service is becoming more and more popular, that is, one-time payment to buy more times / long-term services , you can enjoy certain discounts, such as beauty and skin care, and the other is that the consumption itself requires periodic services, such as training. In such savings-type consumption, the traditional transaction method makes the buyer bear greater risks in such transactions . Because this type of consumption has the characteristics of long consumption cycle and frequent consumption, in the consump...

AI Technical Summary

Problems solved by technology

Because this type of consumption has the characteristics of long consumption cycle and frequent consumption, in the consumption process, there are many possible factors that make consumers want to stop continuing consumption, such as buyers are not satisfied with the service quality, their address has changed, and they are in good health. Factors such as job transfer and other factors may make consumers unable to continue to consume. According to the current terms of service, most merchants will refuse refund requests due to consumer reasons, or require consumers to bear a large proportion of losses.

[0003] There are many new payment methods that already exist, such as Alipay launched by Alibaba Group. Although it can guarantee the shopping risk of consumers by confirming the goods first and then releasing the money, it is based on a one-time settlement transaction method. The consumption cycle Longer service-type consumption still cannot obtain relatively safe consumption protection

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