The invention discloses a user consumption incentive platform and method. The method includes: S1, registering platform accounts by a
consumer and a merchant; S2, depositing a principal into the platform by the
consumer, and selecting a deposit cycle; S3, returning rebate media to the
consumer by the platform according to a principal amount and the deposit cycle; S4, using the rebate media to perform a transaction at the merchant by the consumer, transferring an corresponding amount of the media to the merchant by the consumer according to prices of commodities; and S5, using the media, which are obtain by sale, to perform cash withdrawal on the platform by the merchant. According to the platform of the invention, unified
data processing servers and databases of storing data are provided, the merchant completes promotion without the need for increasing investment in hardware devices, and completing rebate operation by the merchant is facilitated. For the consumer, the principal is returned in a full amount, an interest rate is higher than
bank interest rates, and the platform brings material benefits and is easy to use; for the merchant, promotion is obtained on the platform by
settling the platform, and a transaction amount is greatly increased; and for the platform, profit is obtained through a manner of charging the merchant for a
franchise fee, and the benefits are transferred to the consumer to the greatest extent.