Membership card intelligent management and control transaction system based on big data dynamic model platform

Abstract

The invention relates to the technical field of transaction negotiation management and control, in particular to a membership card intelligent management and control transaction system based on a big data dynamic model platform, which comprises the following steps: S1, a merchant draws up and releases membership card terms; s2, generating a right interval by the dynamic model; s3, generating and issuing a digital contract; and S4, the consumer selects and purchases the membership card. According to the method, two member payment modes are provided, the flexibility and operability of member service are remarkably improved, compared with the prior art that consumers lack a single payment mode for selection, the optimal member terms are automatically generated through a big data dynamic model and an algorithm, merchant management is more convenient, and the user experience is improved. And the consumer can quickly sense the integrity of the merchant, so that the transaction is quickly promoted, and the flexible selection and efficient clause generation mechanism not only improves the market effect of the membership service, but also can really help the merchant to improve the performance.

Description

Technical Field

[0001] The present invention relates to the technical field of transaction negotiation management and control, and in particular to a membership card intelligent management and control transaction system based on a big data dynamic model platform. Background Art

[0002] With the rapid development of e-commerce, B2C platforms have become an important way for consumers to shop. In order to improve user stickiness and consumption frequency, major platforms have launched membership card services to attract consumers to recharge and consume through membership benefits. The traditional membership card service model is usually based on recharge card application, discounts or rebates, and the operation process is relatively simple. However, this model has many limitations in practical applications, such as the lack of flexible payment methods, single membership rights and interests clauses, and unbalanced rights and interests distribution between consumers and merchants. As a result, the membership service is not attractive enough, and it is impossible to fully meet the diverse needs of consumers, and it is difficult to effectively help merchants improve their performance. Therefore, the development of a membership service system that can dynamically generate membership terms, automatically manage membership rights, and perform better in fairness and flexibility has become an important direction for the current development of B2C platform technology.

[0003] Although the existing B2C platform membership card services have been applied in providing basic recharge, consumption record and refund functions, most of these functions remain at the level of functional technology implementation. The recharge and consumption processes in the existing membership services usually rely on manual confirmation and operation, which is prone to operational errors or consumption disputes, reducing user experience and service efficiency. In addition, the refund mechanism lacks effective protection for the rights and interests of merchants and is overly biased towards the interests of consumers, resulting in merchants facing greater financial risks in actual operations, which also affects merchants' willingness to promote membership card services. Moreover, the traditional membership rights and interests clause design lacks flexibility and cannot be dynamically adjusted according to different consumer needs and market changes, resulting in poor market effects of membership services. Therefore, we provide a platform membership card intelligent management and control transaction system based on big data dynamic models. Summary of the invention

[0004] In view of the above-mentioned shortcomings of the prior art, the first purpose of the present invention is to provide a membership card intelligent management and transaction system based on a big data dynamic model platform to solve the problems in the above-mentioned background technology.

[0005] To achieve the above object, the present invention provides the following technical solutions:

[0006] The membership card intelligent management and control transaction system based on the big data dynamic model platform includes the following steps:

[0007] S1. Merchants draft and publish membership card terms;

[0008] S2, dynamic model generates equity interval;

[0009] S3, generate and publish digital contracts;

[0010] S4. Consumers select and purchase membership cards;

[0011] S5. Automatically process consumption and refunds.

[0012] The present invention is further configured as follows: in the step S1, the merchant drafts and publishes the membership card terms:

[0013] S1.1. The merchant logs in through the App and enters the operating system backend management interface;

[0014] S1.2. After that, the merchant clicks on the "Publish Membership Card Terms" option in the operating system backend management interface to enter the membership terms publishing page;

[0015] S1.3. Merchants can choose one of the payment methods: merchant direct payment or regulatory direct payment;

[0016] S1.4, then the big data dynamic model will calculate the rational range of member benefits based on the merchant's comprehensive data information;

[0017] S1.5. After calculation, the dynamic model generates membership rights and benefits terms suitable for the merchant and displays them to the merchant.

[0018] The present invention is further configured as follows: in the step S2, in which the dynamic model generates the equity interval:

[0019] S2.1. The big data dynamic model generates the rationalization range of discounts under the two membership modes according to the merchant conditions;

[0020] S2.2, at the same time, the big data dynamic model generates a reasonable range of refund terms based on the relevant information of the merchant;

[0021] S2.3. In this process, the big data dynamic model will weigh the discount strength of the two methods of merchant direct payment and regulatory direct payment to ensure that merchant direct payment is more powerful;

[0022] S2.4. Then present the proposed membership rights and refund terms to the merchant and recommend the best option;

[0023] S2.5. After the merchant fine-tunes the terms based on the big data dynamic model's suggestions, it confirms the release of the membership rights terms.

[0024] The present invention is further configured as follows: in the step S3, generating and publishing a digital contract:

[0025] S3.1. Generate a legally binding digital contract based on the confirmed terms;

[0026] S3.2. Send the generated digital contract to the merchant and consumer via email for record keeping;

[0027] S3.3. Once the digital contract is generated and confirmed, it will be automatically published to the entire platform.

[0028] The present invention is further configured as follows: in step S4, in which the consumer selects and purchases a membership card:

[0029] S4.1. Consumers browse the newly released membership rights and interests terms in the App;

[0030] S4.2. After browsing, choose the membership model that best suits your needs;

[0031] S4.3, then select the membership rights and benefits terms and make direct payments, generate and confirm the digital contract;

[0032] S4.4. Complete the payment and automatically record it and update the consumption record to complete the transaction.

[0033] The present invention is further configured as follows: in the step S5, in the automated processing of consumption and refund:

[0034] S5.1. Automatically write off the rights and update the accounts according to the consumer's consumption record terms;

[0035] S5.2. Automatically notify merchants and consumers when a refund is made and complete data updates in the background;

[0036] S5.3. After the refund operation is completed, the account will be automatically updated and the refund record will be saved.

[0037] The present invention is further configured as follows: in the step S1.4, the big data dynamic model has automatically generated a reasonable discount interval corresponding to the membership benefit period based on many model factors such as the merchant, the region, and the industry to which the merchant operates.

[0038] The present invention is further configured as follows: in the step S2, in which the dynamic model generates a rights and interests interval, the consumer selects the membership mode of interest and the membership rights and interests clauses of interest to make direct payments and generate a digital contract. No human intervention is required in the process, and everything is completed independently by the consumer, and the entire process is completed within the legal framework.

[0039] The present invention is further configured as follows: in the step S4, when the consumer selects and purchases a membership card, the dynamic model automatically performs digital verification and accounting based on the corresponding rights and interests clauses and in accordance with the rights and interests logic model when the consumer makes a consumption, without the need for manual intervention, and the entire process is completed within the legal framework.

[0040] The present invention is further configured as follows: in the step S5, in the automated processing of consumption and refunds, when the consumer makes a refund, based on the refund model and mechanism, the system enters an automatic refund process, notifies both parties and performs data verification and accounting according to the digital contract, and the refund is completed. No human intervention is required throughout the process, and the entire process is completed within the legal framework.

[0041] Beneficial Effects

[0042] Compared with the known public technology, the technical solution provided by the present invention has the following beneficial effects:

[0043] 1. The present invention significantly improves the flexibility and operability of membership services by providing two membership payment methods. Compared with the single payment method that consumers lack choice in the existing technical solutions, the present invention automatically generates the optimal membership terms through big data dynamic models and algorithms, making it more convenient for merchants to manage and allowing consumers to quickly perceive the sincerity of merchants, thereby quickly facilitating transactions. This flexible choice and efficient terms generation mechanism not only improves the market effect of membership services, but also truly helps merchants improve their performance.

[0044] 2. The present invention proposes a more reasonable technical processing solution by visiting merchants and judges and combining actual needs. Through the application of big data dynamic models, the system can provide a corresponding fair, reasonable and intelligent refund mechanism for each membership clause. Compared with the existing technical solutions, the present invention better protects the rights and interests of merchants, while ensuring the legitimate rights and interests of consumers in the refund process, reducing the risk of commercial disputes caused by refunds, and further enhancing user experience and the trust of merchants.

[0045] 3. The present invention implements digital contracts directly on the App side to carry out refined management of each member's rights and interests. Compared with traditional technical and functional implementation solutions, the digital contract of the present invention records the details of all member rights and interests, such as the deduction mechanism of the gift amount, and all are automatically controlled through programs. This not only improves the operating efficiency of the system, but also makes consumers feel transparent and assured during the consumption process, reduces disputes caused by information asymmetry, and ensures the satisfaction of both consumers and merchants. Through refined and targeted digital solutions, the present invention greatly improves the efficiency of business matchmaking and realizes truly efficient management of discounts for thousands of people. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] Figure 1 It is a flow chart of the member card intelligent management and control transaction system based on the big data dynamic model platform of the present invention. DETAILED DESCRIPTION

[0047] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be described clearly and completely below. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0048] The present invention will be further described below in conjunction with the embodiments.

[0049] Example 1

[0050] like Figure 1 As shown, the present invention provides a membership card intelligent management and control transaction system based on a big data dynamic model platform, in the step S1, the merchant drafts and publishes the membership card terms:

[0051] S1.1. The merchant logs in through the App and enters the operating system backend management interface;

[0052] S1.2. After that, the merchant clicks on the "Publish Membership Card Terms" option in the operating system backend management interface to enter the membership terms publishing page;

[0053] S1.3. Merchants can choose one of the payment methods: merchant direct payment or regulatory direct payment;

[0054] S1.4, then the big data dynamic model will calculate the rational range of member benefits based on the merchant's comprehensive data information;

[0055] S1.5. After calculation, the dynamic model generates membership rights and benefits terms suitable for the merchant and displays them to the merchant;

[0056] In step S1.4, the big data dynamic model has automatically generated a reasonable discount range corresponding to the membership benefit period based on many model factors such as the merchant, the region, and the industry to which the merchant operates;

[0057] Among them, when the automatically generated rationalization interval value of the preferential discount corresponding to the membership benefit period is a single value, a direct discount number is given for the merchant to determine.

[0058] In this embodiment, the merchant first enters the backend management interface and selects the option to publish the membership card terms, and then selects a payment method from merchant direct payment or regulatory direct payment. Next, the big data dynamic model will automatically calculate and generate reasonable membership rights and interests terms based on the merchant's comprehensive information (such as the region, industry, etc.) for the merchant to confirm and publish. These membership rights and interests terms not only take into account the specific circumstances of the merchant, but also generate suitable discount ranges and refund terms through dynamic models to ensure the rationality and fairness of the terms. Through the application of big data dynamic models, the automatic and intelligent generation of membership rights and interests terms is realized, which greatly reduces manual intervention and improves the rationality and fairness of the terms. The system effectively reduces the risk of commercial disputes, improves the convenience and efficiency of merchant operations, and helps merchants provide more personalized and attractive membership rights and interests, thereby promoting the active participation of consumers and improving merchants' sales performance.

[0059] Example 2

[0060] like Figure 1 As shown, the present invention provides a membership card intelligent management and control transaction system based on a big data dynamic model platform, in step S2, the dynamic model generates a rights and interests interval:

[0061] S2.1. The big data dynamic model generates the rationalization range of discounts under the two membership modes according to the merchant conditions;

[0062] S2.2, at the same time, the big data dynamic model generates a reasonable range of refund terms based on the relevant information of the merchant;

[0063] S2.3. In this process, the big data dynamic model will weigh the discount strength of the two methods of merchant direct payment and regulatory direct payment to ensure that merchant direct payment is more powerful;

[0064] S2.4. Then present the proposed membership rights and refund terms to the merchant and recommend the best option;

[0065] S2.5. After the merchant fine-tunes the terms based on the big data dynamic model’s suggestions, it confirms the release of the membership rights terms;

[0066] In the step S2, in which the dynamic model generates a rights and interests interval, the consumer selects the membership mode and membership rights and interests clauses of interest to make direct payments and generate a digital contract. No human intervention is required in the process, and everything is completed independently by the consumer, and the entire process is completed within the legal framework.

[0067] In this embodiment, the big data dynamic model automatically generates a rationalization range of preferential discounts under the two membership modes according to the specific conditions of the merchant, and generates a rationalization range of refund terms according to the relevant information of the merchant. In this process, the system will automatically weigh the discount strength under the two methods of merchant direct payment and regulatory direct payment, and ensure that the discount strength of merchant direct payment is greater. Finally, the system presents the generated membership rights and interests terms and refund terms to the merchant and recommends the best option. The merchant can make fine adjustments based on the suggestions of the model and publish the terms after confirmation. After consumers select the membership mode and terms of interest on the App, they can directly pay and generate a digital contract. The entire process does not require human intervention. Through the application of the big data dynamic model, the system automatically generates and recommends the best membership terms, reduces manual operations, improves efficiency, and avoids potential business disputes.

[0068] Among them: consumers can independently choose and pay for membership rights, and the entire process is carried out within the legal framework, which enhances consumers' sense of trust and user experience, and also promotes the improvement of merchants' sales performance.

[0069] Example 3

[0070] like Figure 1 As shown, the present invention provides a membership card intelligent management and control transaction system based on a big data dynamic model platform, in the step S3, generating and publishing a digital contract:

[0071] S3.1. Generate a legally binding digital contract based on the confirmed terms;

[0072] S3.2. Send the generated digital contract to the merchant and consumer via email for record keeping;

[0073] S3.3. Once the digital contract is generated and confirmed, it will be automatically published to the entire platform.

[0074] In this embodiment, a digital contract that complies with legal requirements is automatically generated based on the membership rights and refund terms previously confirmed by the merchant. The contract covers all membership rights and refund terms, as well as applicable legal provisions and relevant rules to ensure the legal validity and enforceability of the contract. The generated digital contract is then sent to the merchant and consumer respectively via email for record keeping. This step ensures that both parties to the transaction can obtain and save a copy of the contract in a timely manner, reducing disputes that may arise due to information asymmetry. Finally, after the contract is generated and confirmed by both parties, the system will automatically publish it to the entire B2C platform. This publication not only ensures that the contract is effective on the platform, but also facilitates future transactions and contract management, making it easy for merchants and consumers to review it at any time when needed. Through this automated contract generation and publication mechanism, the entire transaction process is fully legalized and transparent.

[0075] Among them: the system automatically generates contracts and sends email notifications, eliminating the time delays and potential errors in manually generating and delivering contracts. This mechanism not only protects the legitimate rights and interests of merchants and consumers, but also greatly reduces the risk of potential commercial disputes.

[0076] Among them: the automatic publication of digital contracts makes the management of membership terms and rights more efficient. Merchants and consumers can easily review and manage their transaction records, which improves the efficiency and user experience of the entire transaction process. The fully automated operation reduces dependence on manual labor and improves the reliability and efficiency of the system.

[0077] Example 4

[0078] like Figure 1 As shown, the present invention provides a membership card intelligent management and transaction system based on a big data dynamic model platform, in step S4, when a consumer selects and purchases a membership card:

[0079] S4.1. Consumers browse the newly released membership rights and interests terms in the App;

[0080] S4.2. After browsing, choose the membership model that best suits your needs;

[0081] S4.3, then select the membership rights and benefits terms and make direct payments, generate and confirm the digital contract;

[0082] S4.4. Complete the payment and automatically record it and update the consumption record to complete the transaction;

[0083] In the step S4, when the consumer selects and purchases a membership card, the dynamic model automatically performs digital verification and accounting based on the corresponding rights and interests clauses and the rights and interests logic model when the consumer makes a purchase. No human intervention is required and the entire process is completed within the legal framework.

[0084] In this embodiment, during actual use, consumers browse the membership rights and interests terms that have just been released through the App and select the membership model that best suits their needs. After selecting the membership model, consumers can view the specific membership rights and interests terms and make payments directly through the App. After completing the payment, the system will automatically generate and confirm the digital contract to ensure the legality of the transaction and the execution of the terms. Subsequently, the system will automatically record the consumer's consumption behavior and update its consumption record. The entire transaction process is completed without the need for human intervention.

[0085] Among them: when consumers make purchases, the dynamic model in the system will automatically conduct digital write-offs according to the corresponding rights and interests clauses, and record the accounts through the rights and interests logic model. The entire process is carried out completely within the legal framework, ensuring the fairness and transparency of the transaction. Through the implementation of this step, consumers experience a high degree of autonomy and convenience in the process of selecting and purchasing membership cards;

[0086] Among them: the design that does not require human intervention throughout the process not only improves transaction efficiency, but also reduces human errors and the risk of disputes that may arise. Through the application of big data dynamic models, the system can accurately perform automatic write-offs and accounting according to the pre-set rights and interests logic, ensuring that every transaction is carried out in compliance with the law. This automated processing method greatly enhances consumers' sense of trust, and also provides merchants with more effective membership management tools, further promoting the platform's commercial value and user experience.

[0087] Example 5

[0088] like Figure 1 As shown, the present invention provides a membership card intelligent management and control transaction system based on a big data dynamic model platform, in the step S5, automatic processing of consumption and refund:

[0089] S5.1. Automatically write off the rights and update the accounts according to the consumer's consumption record terms;

[0090] S5.2. Automatically notify merchants and consumers when a refund is made and complete data updates in the background;

[0091] S5.3. After the refund operation is completed, the account will be automatically updated and the refund record will be saved;

[0092] In the step S5, automated processing of consumption and refunds, when consumers make a refund, based on the refund model and mechanism, the system enters an automatic refund process, notifies both parties and performs data verification and accounting according to the digital contract, and the refund is completed. No human intervention is required throughout the process, and the entire process is completed within the legal framework.

[0093] In this embodiment, when consumers make purchases according to the membership rights and interests terms, the system will automatically write off the corresponding rights and interests and update the accounts without manual operation. If the consumer applies for a refund, the system will automatically start the refund process according to the preset refund model and mechanism. During the refund process, the system will first automatically notify the merchant and the consumer, and complete the corresponding data update in the background. After the refund operation is completed, the system will automatically update the account and save the refund record in the system for future query and management. The entire process is carried out within the legal framework to ensure the legality and transparency of all operations.

[0094] Among them: When consumers make purchases and refunds, the system can automatically perform write-offs and account updates, reducing errors and inconveniences in manual operations and reducing possible dispute risks.

[0095] Among them: the automatic notification and data update functions ensure that both merchants and consumers can understand the transaction status in a timely manner, increase the transparency and trust of the transaction, and through the application of big data dynamic models, the entire process is seamlessly connected and automatically completed, which significantly improves the system's reliability and user experience.

[0096] The present invention,

[0097] Merchants enter the system through the backend management interface and select the option to publish membership card terms. During this process, merchants can choose a payment method from merchant direct payment or regulatory direct payment. Subsequently, the big data dynamic model will automatically calculate and generate reasonable membership rights terms based on the merchant's comprehensive information (such as location, industry, etc.). These terms not only take into account the merchant's specific circumstances, but also generate suitable discount ranges and refund terms to ensure the rationality and fairness of the terms. After confirming these terms, merchants can make necessary fine-tuning and finally confirm the release. Through this mechanism, the system realizes the automatic generation of membership rights terms, greatly reduces manual intervention, improves the rationality and fairness of the terms, and at the same time reduces the risk of commercial disputes and improves the convenience and efficiency of merchant operations.

[0098] Consumers browse and select the membership model and rights and interests terms that best suit their needs on the App. After making their selection, they can make payments directly through the App. The system will automatically generate and confirm a legally binding digital contract and send the contract to the merchant and consumer via email to ensure that both parties keep records. During the consumption process, the system will automatically verify and record the rights and interests terms selected by the consumer to ensure that the entire transaction process is completed within the legal framework. The entire process does not require human intervention, and consumers can experience a high degree of autonomy and convenience, which not only improves transaction efficiency, but also enhances consumers' sense of trust and promotes merchants' sales performance.

[0099] When a consumer makes a refund, the system automatically starts the refund process. Based on the preset refund model, the system automatically notifies the merchant and the consumer, and completes the update and verification of relevant data in the background. After the refund operation is completed, the system automatically updates the account and saves the refund record for future query and management. Through this automated refund processing process, the system reduces errors caused by manual operations, reduces possible dispute risks, and ensures the legality and transparency of all operations. The automatic notification and data update functions further enhance the transparency and trust of transactions, significantly improving the reliability of the system and user experience.

[0100] The above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements will not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. Based on the big data dynamic model platform, the membership card intelligent management and control transaction system is characterized by: The following steps are involved: S1. Merchants draft and publish membership card terms; S2, dynamic model generates equity interval; S3, generate and publish digital contracts; S4. Consumers select and purchase membership cards; S5. Automatically process consumption and refunds.

2. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 1 is characterized by: In the step S1, the merchant drafts and publishes the membership card terms: S1.

1. The merchant logs in through the App and enters the operating system backend management interface; S1.

2. After that, the merchant clicks on the "Publish Membership Card Terms" option in the operating system backend management interface to enter the membership terms publishing page; S1.

3. Merchants can choose one of the payment methods: merchant direct payment or regulatory direct payment; S1.4, then the big data dynamic model will calculate the rational range of member benefits based on the merchant's comprehensive data information; S1.

5. After calculation, the dynamic model generates membership rights and benefits terms suitable for the merchant and displays them to the merchant.

3. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 1 is characterized by: In the step S2, the dynamic model generates the equity interval: S2.

1. The big data dynamic model generates the rationalization range of discounts under the two membership modes according to the merchant conditions; S2.2, at the same time, the big data dynamic model generates a reasonable range of refund terms based on the relevant information of the merchant; S2.

3. In this process, the big data dynamic model will weigh the discount strength of the two methods of merchant direct payment and regulatory direct payment to ensure that merchant direct payment is more powerful; S2.

4. Then present the proposed membership rights and refund terms to the merchant and recommend the best option; S2.

5. After the merchant fine-tunes the terms based on the big data dynamic model's suggestions, it confirms the release of the membership rights terms.

4. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 1 is characterized by: In the step S3, generating and publishing a digital contract: S3.

1. Generate a legally binding digital contract based on the confirmed terms; S3.

2. Send the generated digital contract to the merchant and consumer via email for record keeping; S3.

3. Once the digital contract is generated and confirmed, it will be automatically published to the entire platform.

5. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 1 is characterized by: In step S4, the consumer selects and purchases a membership card: S4.

1. Consumers browse the newly released membership rights and interests terms in the App; S4.

2. After browsing, choose the membership model that best suits your needs; S4.3, then select the membership rights and benefits terms and make direct payments, generate and confirm the digital contract; S4.

4. Complete the payment and automatically record it and update the consumption record to complete the transaction.

6. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 1 is characterized in that: In the step S5, automated processing of consumption and refund: S5.

1. Automatically write off the rights and update the accounts according to the consumer's consumption record terms; S5.

2. Automatically notify merchants and consumers when a refund is made and complete data updates in the background; S5.

3. After the refund operation is completed, the account will be automatically updated and the refund record will be saved.

7. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 2 is characterized in that: In step S1.4, the big data dynamic model has automatically generated a reasonable discount range corresponding to the membership benefit period based on many model factors such as the merchant, the region, and the industry to which the merchant operates.

8. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 3 is characterized in that: In the step S2, in which the dynamic model generates a rights and interests interval, the consumer selects the membership mode and membership rights and interests clauses of interest to make direct payments and generate a digital contract. No human intervention is required in the process, and everything is completed independently by the consumer, and the entire process is completed within the legal framework.

9. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 5 is characterized in that: In the step S4, when the consumer selects and purchases a membership card, the dynamic model automatically performs digital verification and accounting based on the corresponding rights and interests clauses and the rights and interests logic model when the consumer makes a purchase. No human intervention is required and the entire process is completed within the legal framework.

10. The member card intelligent management and control transaction system based on big data dynamic model platform according to claim 6 is characterized in that: In the step S5, automated processing of consumption and refunds, when consumers make a refund, based on the refund model and mechanism, the system enters an automatic refund process, notifies both parties and performs data verification and accounting according to the digital contract, and the refund is completed. No human intervention is required throughout the process, and the entire process is completed within the legal framework.

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