The invention discloses a prepayment fund supervision
system and method, and the
system comprises an operation management end module which is used for operation management of operation management personnel; the merchant
server module is used for providing settlement management,
payment and refund management and account checking management; the supervision end module is used for providing business statistics and early warning
processing and providing fund
payment according to a supervision strategy; the
client module is used for providing a course selection
payment management function and providing course information, order information and course progress viewing functions; and the fund monitoring module is used for monitoring fund safety. According to the invention, a
bank supervision account mode is utilized, and a solution payment plan and a
verification strategy are set, so that supervision audit of merchant settlement, courses or services and transparent management of fund circulation are realized, the
system can carry out flexible supervision according to different supervision strategy
modes, merchant and consumers are supported to carry out online operation, and the operation efficiency is improved. And meanwhile, abnormal early warning is provided.