A prepayment system and a management method for prepayment information

Abstract

The embodiment of the invention discloses a prepayment system and a management method for prepayment information, which are used to provide merchants and consumers with a convenient and low-cost prepayment consumption mode. The method in the embodiment of the present invention includes: obtaining the identity verification information of the second user; generating the payment list of the second user according to the payment amount, the payment list includes the identity information of the first user, and the first user accepts the payment The prepaid user of the second user; obtain the payment key of the prepaid consumption account of the second user; if the payment key matches the identity verification information, according to the payment list respectively in the The payment amount is deducted from the prepaid management account of a user and the prepaid consumption account of the second user.

Description

technical field [0001] The invention relates to the communication field, in particular to a prepayment system and a management method for prepayment information. Background technique [0002] In daily life, there is a prepaid consumption mode; that is, the consumer pre-charges a certain amount in a store of a certain merchant, and subsequent consumption in the store can be deducted from the prepaid balance. This prepaid consumption model helps merchants to quickly collect funds and provide users with consumer stickiness; and for consumer users, prepaid recharge can get certain discounts, if there is a long-term consumption demand for the merchant's products , Consuming users are also willing to prepay. Therefore, in daily consumption, there is a strong demand for the prepaid consumption mode. [0003] At present, most merchants purchase ready-made prepaid card systems and issue physical cards. However, the existing prepaid card system of this kind of physical card, whethe...

AI Technical Summary

Problems solved by technology

However, the existing prepaid card system of this kind of physical card, whether it is self-built or purchased, requires merchant users to establish and manage the prepaid account information of consumer users themselves, the operation process is complicated, and the cost of implementation is relatively high; and, This kind of prepaid card system is maintained by the merchant side through a local area network or a stand-alone system. Consumers cannot know their current prepaid account information at any time, and it is inconvenient to inquire; moreover, this prepaid card system is managed by merchant users. Merchant users can modify prepaid account information at will, which poses a security risk to consumer users' prepaid accounts

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