Prepaid fund supervision system and method

Abstract

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.

Description

Technical Field

[0001] The invention belongs to the technical field of fund supervision, and in particular relates to a prepaid fund supervision system and method. Background Art

[0002] In recent years, gyms and training institutions have frequently gone bankrupt, and consumers have encountered prepaid traps and suffered heavy financial losses. How to effectively supervise has become an urgent problem to be solved. Business competent departments and regulatory authorities attach great importance to this. At the same time, these institutions have uneven services, non-compliant business operations, and vicious competition. Establishing unified regulatory standards to ensure that all prepaid service institutions can operate under unified standards to avoid market chaos and unfair competition has also become an urgent problem for supervision. The single prepaid card consumption method cannot provide consumers with a safe and convenient consumption experience.

[0003] Many industries, including education, housing, catering, gyms, dance and other daily life service fields, widely use pre-sale cards or prepaid card systems, allowing customers to prepay funds and store them in merchant institutions as vouchers for future service or commodity consumption. By paying fees to merchants in advance, consumers obtain a "rights voucher" that can be exchanged for specific services or products in the future. The prepayment and storage of such funds directly serves as a capital flow for merchants.

[0004] The disadvantages of existing payment methods are:

[0005] 1. Prepaid funds are traded directly with merchants and stored in merchant institutions. Merchants can use and embezzle funds at will. There is no online platform management, and the information of consumers, merchants, and regulators is independent.

[0006] 2. When consumers make purchases, only the merchant can unilaterally verify the payment, and the business management / regulatory department cannot conduct prior supervision.

[0007] 3. Once consumers prepay funds, the funds cannot be reversed or refunded.

[0008] 4. Regulatory agencies cannot monitor service quality and compliance in real time, and the rights and interests of consumers and service agencies cannot be guaranteed.

[0009] 5. Consumers’ receipts are mostly cards, or information inquiries reserved with merchants, so consumers cannot know the detailed information of the payment funds. Summary of the invention

[0010] In view of the above problems, the present invention is proposed to provide a prepaid funds supervision system and method that overcomes the above problems or at least partially solves the above problems.

[0011] To achieve the above object, the present invention adopts the following technical solutions:

[0012] A prepaid funds supervision system, characterized in that the system comprises:

[0013] Operation management module, used by transportation management personnel to carry out operation management;

[0014] The merchant service module is used to provide settlement management, payment and refund management, and account reconciliation management;

[0015] Supervision module, used to provide business statistics, early warning processing and fund release according to supervision strategies;

[0016] The client module is used to provide course selection and payment management functions, and provide course information, order information, and course progress viewing functions;

[0017] Fund monitoring module, used to monitor fund security.

[0018] Optionally, the system is developed based on Spring Boot framework, Vue framework and Element-UI components.

[0019] Optionally, the operation management module includes a supervision policy configuration unit, a write-off policy configuration unit, a class time limit policy configuration unit, a merchant course / service configuration management unit, a merchant management unit, an approval center unit, a regulatory agency management unit, a report management unit and a fund monitoring management unit.

[0020] Optionally, the operation management module also includes an order management fund disposal unit, which is used for fund disposal.

[0021] Optionally, the supervision strategy includes:

[0022] Margin mode, set the minimum margin and set the release time;

[0023] One lesson one payment mode, configure the fund supervision ratio, set fund gradient supervision according to the fund supervision ratio, and double-end write-off will be released according to the set fund supervision gradient;

[0024] The batch payment model adds fund transfer nodes and methods on the basis of the gradient supervision of funds for each lesson and each payment.

[0025] The present invention also provides a prepaid funds supervision method, which is based on the prepaid funds supervision system described in any one of the above items, and comprises:

[0026] The regulatory agency opens a regulatory account and configures regulatory and write-off strategies;

[0027] Merchants fill in basic merchant information, open an account and apply for entry;

[0028] Merchants create courses or services and submit applications to remove or delete courses;

[0029] Users register an account and purchase courses or services;

[0030] Transaction filing with regulatory authorities;

[0031] After the course or service ends, the user confirms the cancellation of the course or service on the user end and the merchant confirms the cancellation of the service on the merchant management service end, and finally transfers the account funds;

[0032] The regulatory end monitors accounts and notifies any account anomalies.

[0033] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0034] 1. The present invention ensures the security of prepaid funds, and by setting up payment plans and write-off strategies, realizes the supervision and review of merchant entry, courses or services, and transparent management of capital flow; the present invention is developed based on the Spring Boot framework, Vue framework, and Element-UI components, and has high stability and ease of use, and is suitable for multiple industries such as education and training, and gyms.

[0035] 2. The present invention realizes the effective supervision of prepaid funds, and can flexibly supervise according to different supervision strategy models, supports merchants and consumers to perform online operations, and provides abnormal warnings, thereby protecting consumer rights and interests and the healthy development of the market. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 A flow chart of a prepaid funds supervision system provided in an embodiment of the present application;

[0037] Figure 2 A schematic diagram of a prepaid funds supervision system provided in an embodiment of the present application. DETAILED DESCRIPTION

[0038] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0039] Embodiment 1:

[0040] See also Figure 1 and Figure 2This embodiment provides a prepaid funds supervision system, which is developed based on the SpringBoot framework, the Vue framework and the Element-UI component, and includes:

[0041] The operation management module is used by operation management personnel to carry out operation management.

[0042] The operation management module includes the supervision strategy configuration unit, the write-off strategy configuration unit, the class time limit strategy configuration unit, the merchant course / service configuration management unit, the merchant management unit, the approval center unit, the regulatory agency management unit, the report management unit and the fund monitoring management unit. Account permissions and entry approval are opened for merchants; at the same time, the operation management end configures the supervision strategy, regulatory area strategy, class time strategy, etc. according to the supervision needs. The regulatory agency opens the account. When there is a disagreement between the merchant and the consumer on the payment of funds, the bank will freeze the supervision funds. When the two parties reach an agreement, the bank will transfer the funds according to the results written by both parties. If the merchant goes bankrupt and the service does not match, the consumer can apply for a refund and return it directly by the original route.

[0043] The operation management module also includes an order management fund disposal unit, which is used for fund disposal. Fund disposal: When merchants and consumers disagree on fund release, the bank freezes the supervision funds. When the two parties reach an agreement, the bank disburses the funds according to the negotiation process. Bank operators can make the final disbursement of funds through the order management fund disposal function.

[0044] The merchant server module is used to provide settlement management, payment and refund management, and account reconciliation management.

[0045] The supervision module is used to provide business statistics, early warning processing, and fund payment according to supervision strategies.

[0046] The regulatory strategies include:

[0047] Margin mode, set the minimum margin, and set the release time.

[0048] In the one-lesson-one-clearance model, the funds supervision ratio is configured, and the funds gradient supervision is set according to the funds supervision ratio. The double-end settlement is released according to the set funds supervision gradient.

[0049] The batch payment model adds fund transfer nodes and methods on the basis of the gradient supervision of funds for each lesson and each payment.

[0050] The client module is used to provide course selection and payment management functions, and provide course information, order information, and course progress viewing functions.

[0051] Provide business statistics, early warning processing, and fund payment based on regulatory strategies to regulatory agencies such as the Education Commission.

[0052] Fund monitoring module, used to monitor fund security.

[0053] Provide students and parents with functions such as course selection and payment management; users can view course information and order information, as well as course progress, and can verify and confirm the courses already taken.

[0054] This embodiment ensures the security of prepaid funds, and by setting up payment plans and write-off strategies, realizes the supervision and review of merchant entry, courses or services, and transparent management of fund flow; the present invention is developed based on the Spring Boot framework, Vue framework, and Element-UI components, and has high stability and ease of use, and is suitable for multiple industries such as education and training, and gyms.

[0055] This embodiment realizes the effective supervision of prepaid funds, and can flexibly supervise according to different supervision strategy models, supports merchants and consumers to perform online operations, and provides abnormal warnings to protect consumer rights and the healthy development of the market.

[0056] Embodiment 2:

[0057] Embodiment 2 discloses a prepaid funds supervision method, which is based on the above-mentioned prepaid funds supervision system and includes the following steps:

[0058] S1. The regulatory agency opens a regulatory account and configures regulatory and write-off strategies.

[0059] S2. Merchants fill in basic merchant information, open an account and apply for settlement.

[0060] S3. Merchants create courses or services and submit applications to add or remove courses.

[0061] S4. The user registers an account and purchases courses or services.

[0062] S5. The regulatory authority shall register the transaction.

[0063] S6. After the course or service is completed, the user confirms the cancellation of the course or service on the user end and the merchant confirms the cancellation of the service on the business management service end, and finally the account funds are transferred.

[0064] S7. The supervisory end monitors the account and notifies any account anomalies.

[0065] The above contents are further detailed descriptions of the present invention in combination with specific preferred embodiments, and it cannot be determined that the specific implementation of the present invention is limited to these descriptions. For ordinary technicians in the technical field to which the present invention belongs, several simple deductions or substitutions can be made without departing from the concept of the present invention, which should be regarded as falling within the protection scope of the present invention.

Claims

1. A prepaid funds supervision system, characterized in that: The system comprises: Operation management module, used by transportation management personnel to carry out operation management; The merchant service module is used to provide settlement management, payment and refund management, and account reconciliation management; Supervision module, used to provide business statistics, early warning processing and fund release according to supervision strategies; The client module is used to provide course selection and payment management functions, and provide course information, order information, and course progress viewing functions; Fund monitoring module, used to monitor fund security.

2. A prepaid funds supervision system as claimed in claim 1, characterized in that: The system is developed based on SpringBoot framework, Vue framework and Element-UI components.

3. A prepaid funds supervision system as claimed in claim 1, characterized in that: The operation management module includes a supervision strategy configuration unit, a write-off strategy configuration unit, a class time limit strategy configuration unit, a merchant course / service configuration management unit, a merchant management unit, an approval center unit, a regulatory agency management unit, a report management unit and a fund monitoring management unit.

4. A prepaid funds supervision system as claimed in claim 3, characterized in that: The operation management module also includes an order management fund disposal unit, which is used for fund disposal.

5. A prepaid funds supervision system as claimed in claim 1, characterized in that: The regulatory strategies include: Margin mode, set the minimum margin and set the release time; One lesson one payment mode, configure the fund supervision ratio, set fund gradient supervision according to the fund supervision ratio, and double-end write-off will be released according to the set fund supervision gradient; The batch payment model adds fund transfer nodes and methods on the basis of the gradient supervision of funds for each lesson and each payment.

6. A prepaid funds supervision method, the method is based on a prepaid funds supervision system according to any one of claims 1 to 5, characterized in that: The method comprises: The regulatory agency opens a regulatory account and configures regulatory and write-off strategies; Merchants fill in basic merchant information, open an account and apply for entry; Merchants create courses or services and submit applications to remove or take down courses; Users register an account and purchase courses or services; Transaction filing with regulatory authorities; After the course or service ends, the user confirms the cancellation of the course or service on the user end and the merchant confirms the cancellation of the course or service on the merchant management service end, and finally transfers the account funds; The regulatory end monitors accounts and notifies any account anomalies.

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