Real-time cash back system and method based on payment information

Abstract

This invention discloses a real-time cash rebate system and method based on payment information, relating to the field of payment system technology. The system includes a communication module, a rebate decision module, a payment processing module, and a settlement module. The communication module supports automatic API acquisition via direct connection to the payment company's system and receiving payment vouchers uploaded by users. Payment vouchers include payment screenshots, paper receipts, QR codes, voice, text, SMS, or email. The system extracts payment information through OCR, decoding, speech recognition, or natural language processing, and after authenticity verification, the rebate decision module dynamically determines the rebate ratio based on merchant identification, amount, time, industry, time period, weather, etc. This invention lowers the integration threshold of the system method, realizing real-time cash rebates within seconds after payment and automatic multi-party revenue sharing, applicable to scenarios such as offline merchant marketing and community leader network operations.

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