Integrated business management system and method based on mobile internet

Abstract

An integrated business management system and method based on mobile internet are provided. The system comprises: a user intelligent mobile terminal device, a merchant management device, an integratedmerchant management server, and a cloud database computer. The user intelligent mobile terminal device is configured to initiate a member recharge and consumption request; the merchant management device is configured to initiate a charging and settlement request of the merchant, and request a fund management module to process the request in response to the member recharge and consumption request;the fund management module runs on the integrated merchant management server; the fund management module remits the recharge funds into a fund pool; the fund pool is supervised by a designated institution; and the cloud database computer stores a cloud database, and is configured to store user and merchant data. According to the system and method provided by the present invention, custody of the customer recharge funds can be implemented, and the funds can be under the supervision of the government industry and commerce, so that the recharge is guaranteed, the users have confidence, and the merchants have a reputation.

Description

technical field [0001] The invention relates to the intersecting field of mobile Internet and finance. Background technique [0002] The "Administrative Measures for Single-purpose Commercial Prepaid Cards (Trial)" came into effect on November 1, 2012. The "Administrative Measures" clarifies the definition of single-purpose commercial prepaid cards and expresses the key points of management, but lacks management methods. [0003] In recent years, single-purpose prepaid card issuers in the beauty salon, fitness and other industries have repeatedly violated the rights and interests of consumers, and the social response has been strong. During the investigation, we learned that there are three main problems in the current supervision of single-purpose prepaid cards: lack of legislation - lack of targeted laws and administrative regulations, lack of coercive force and deterrent force of departmental regulations or local regulations, especially in the case of operators' prepaid ...

AI Technical Summary

Problems solved by technology

During the investigation, we learned that there are three main problems in the current supervision of single-purpose prepaid cards: lack of legislation - lack of targeted laws and administrative regulations, lack of coercive force and deterrent force of departmental regulations or local regulations, especially in the case of operators' prepaid cards. Relevant systems in terms of capital bank deposit and management are not perfect; there are loopholes in supervision - card issuers submit information through the business information system of the Ministry of Commerce on a quarterly basis

However, there is still a lack of effective supervision methods for users' recharge funds, and there are still technical problems that users' pre-recharge funds at merchants cannot be guaranteed, and merchants cannot obtain sufficient credit endorsements to attract customers to recharge

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