Method for scanning two-dimensional code to realize payment and recording consumption credit points and rebates in real time

Abstract

The invention discloses a method for scanning a two-dimensional code to realize payment and recording consumption credit points and rebates in real time and belongs to the communication technical field and marketing field. The method includes the following steps that: associations between a consumption fund operation platform and allied commercial tenants are built; a user registers to become a member; a terminal with an APP scans a two-dimensional code to realize pre-payment; a two-dimensional code payment platform carries out information verification; the two-dimensional code payment platform submits fund transfer; a bank transfers a fund; the two-dimensional code payment platform transfers the fund; and the consumption fund operation platform transfers the fund. According to the method of the present invention, the mobile APP scans the two-dimensional code to complete consumption settlement, the allocation of consumption funds and rebated funds is realized through the consumption fund operation platform, and therefore, customers can get rid of inconveniences caused by carrying a variety of bank cards, membership cards and credit point cards; the consumption of all commercial tenants can be realized on the same platform; credit point accumulation can be realized on the same platform; credit points can be withdrawn, transferred and consumed conveniently; and the credit points can be used as old-age pensions, cashes or change.

Description

technical field [0001] The invention relates to the field of communication technology and the field of marketing, in particular to a method for scanning two-dimensional codes for payment and recording consumption points and rebates in real time. Background technique [0002] With the increasing progress and expansion of mobile phones and banking services, the use of mobile phones as a payment tool for shopping and consumption is increasingly favored by people. In the field of mobile payment, scanning two-dimensional code payment has become more and more popular among merchants and customers. Two-dimensional code has the advantages of large amount of information, strong error correction ability, and fast recognition speed. Some large merchants or institutions use their own generated The two-dimensional code picture is sent to the client in the form of MMS or paper, and the client can use the two-dimensional code picture to exchange goods or services with the two-dimensional c...

AI Technical Summary

Problems solved by technology

[0003] At present, in order to attract customers to shop, a large number of merchants have implemented QR code payment points or cashback activities, or directly implemented scanning QR codes to send points or preferential activities. However, points are only a number on the book, and there is no such thing as The actual value can only be valuable after settlement with the consumer terminal, that is, the merchant. In reality, a large number of consumers obtain consumption points from countless merchants every day. Because there is no unified identification standard for consumer capital, and the integrity of the enterprise, the enterprise A series of issues such as the survival time and so on, making consumption capital generate income is only a theoretical expectation, which cannot be put into practice

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