Consumer mortgage management method, storage medium and system

Abstract

The invention discloses a consumption credit management method, which includes: obtaining a request from a consumer terminal to apply for a merchant's consumption credit card; Card. The consumption credit management method provided by the present invention provides consumers with an electronic consumption credit card based on a clear and clear loan relationship. Presenting a physical card saves the cost of rights protection and better protects the rights and interests of consumers. The present invention also provides a storage medium and a system corresponding to the above method.

Description

technical field [0001] The invention relates to the technical field of electronic transactions, in particular to a consumption loan management method, a storage medium and a system corresponding to the method. Background technique [0002] At present, when consumers consume at merchants, they often apply for membership cards. This kind of membership card is usually a physical card. Consumers need to pay the merchant in advance, and they no longer need to pay cash when consuming in the future, and directly use the membership card to deduct the money. Common membership cards are usually single-purpose prepaid cards, and some multi-purpose prepaid cards are also included. However, the existing prepaid membership cards have the following disadvantages: [0003] 1. Although the single-purpose prepaid card management regulations require merchants to refund the unconsumed balance, because the card handling procedures are completed on the spot, it is difficult for the administrati...

AI Technical Summary

Problems solved by technology

[0003] 1. Although the single-purpose prepaid card management measures require merchants to refund the unconsumed balance, because the card handling procedures are completely completed on site, it is difficult for the administrative department to supervise, and merchants generally set up the overlord clause not to refund the balance in the prepaid card

2. When the balance in the consumer's card is not enough for a single consumption amount, if the consumer continues to consume, the consumer needs to recharge a certain amount, which often greatly exceeds the single consumption amount

3. Even if the balance can be refunded, when the consumer moves to a farther place, the refund of the balance of the prepaid card needs to be handled at the merchant's site, which is very inconvenient

4. After consumers purchase single-purpose prepaid cards, some merchants will reduce service quality or increase service prices

5. Some merchants closed down due to poor management, and it is difficult to protect the rights and interests of consumers holding single-purpose prepaid cards

6. The proof of a single-purpose prepaid card lawsuit requires a physical card. If the card is not properly kept, it will increase the difficulty of proof

7. Some single-purpose prepaid card agreements violate consumer rights, but the laws applicable to consumer rights protection are not clear according to different situations

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