Reverse order merchant expansion and independent cash return system based on payment credentials

Abstract

The application discloses a reverse sequence merchant expansion and independent cash return system based on payment credentials, relates to the technical field of cash return operation, and integrates two operation modes of real-time payment credential cash return temporary withholding and historical payment credential limited list incentive, and the system comprises a payment credential acquisition module, a credential forgery detection module, a payment information extraction module, a merchant information matching module, a merchant registration state confirmation module, a cash return calculation module and a payment institution notification module, is matched with a cash return temporary withholding module, a limited list management module, a notification pushing module, a one-key confirmation module, a reputation diffusion tracking module and a multi-source updated operator database; the application can reduce the threshold for merchant registration, accelerate the network expansion speed of merchants, activate historical consumption data, form a consumer-led spontaneous growth mode, and has strong independent operation capability and high replicability.

Description

Technical Field

[0001] This invention relates to the field of cash rebate operation technology, specifically to a reverse-order merchant expansion and stand-alone cash rebate system based on payment vouchers. Background Technology

[0002] In the operation and promotion of offline physical businesses, cash rebates are a common means to increase repeat purchases and help merchants acquire customers, and have been widely used in the local life services sector.

[0003] Currently available cash rebate systems generally adopt a forward operation model with merchants having to register in advance. Merchants need to submit their business qualifications, sign a cooperation agreement, and complete payment interface integration or change their exclusive QR code to the operator before they can participate in the corresponding cash rebate activity.

[0004] This type of model has significant limitations in practical applications. The merchant onboarding process is cumbersome, requiring time and manpower to complete qualification processing, system debugging, material replacement, and operation training. Many small and medium-sized merchants have low willingness to participate due to high upfront costs and unclear profit expectations, resulting in low merchant expansion efficiency and slow growth in coverage for operators. At the same time, most existing systems rely on the interface support of third-party payment institutions, channel cooperation with offline service providers, and the deployment of dedicated payment collection equipment. The system lacks autonomy in operation, and business expansion is constrained by factors such as policy adjustments and coverage of external partners, making it difficult to replicate and promote across regions.

[0005] Furthermore, the existing system only supports consumers to participate in cashback activities after completing real-time transactions, and cannot activate the historical payment vouchers held by consumers. It is difficult to transform existing consumption data into a driving force for merchant expansion. User dissemination relies heavily on platform-driven promotion, making it difficult to form spontaneous diffusion based on consumers' real cashback experiences. Merchant networks and user scale cannot achieve rapid growth. At present, there is no reverse expansion solution in the industry that starts with the submission of consumer payment vouchers and allows merchants to complete the onboarding process with zero upfront costs. There is also a lack of cashback systems that can operate independently without third-party payment interfaces, making it impossible to simultaneously balance merchant expansion efficiency and platform self-operation capabilities. Summary of the Invention

[0006] The purpose of this invention is to provide a reverse-order merchant expansion and independent cash return system based on payment vouchers, so as to solve the problems mentioned in the background art.

[0007] The system is a reverse-order merchant expansion and independent cash return system based on payment vouchers, including a payment voucher acquisition module, a voucher forgery detection module, a payment information extraction module, a merchant information matching module, a merchant registration status confirmation module, a cash return calculation module, and a payment institution notification module. The system integrates two operating models: real-time payment voucher cash return withholding and historical payment voucher limited list incentive. It adopts a reverse order expansion mechanism where consumers initiate the return request first and merchants confirm the registration later. The system does not rely on third-party payment institution interfaces, service provider cooperation, or dedicated payment codes. It independently completes the refund determination only through the consumer terminal and the operator's database. After the merchant confirms, the information registration and cash refund are completed simultaneously.

[0008] Furthermore, the payment voucher acquisition module is used to acquire real-time payment voucher and historical payment voucher images uploaded by consumers through a terminal, wherein the terminal is a mobile APP or mini-program; The forgery detection module uses a generative adversarial network algorithm to detect the authenticity of payment voucher images; The payment information extraction module extracts structured payment information from vouchers using optical character recognition technology; The merchant information matching module intelligently matches the extracted merchant information with the operator's database; The merchant registration status confirmation module is used to verify the merchant registration status. Unregistered merchants trigger a reverse activation process. The cash rebate calculation module calculates the rebate amount based on the payment amount and a preset ratio, and the rebate ratio can be dynamically adjusted. The payment institution notification module is used to send settlement instructions to third-party payment institutions.

[0009] Furthermore, it also includes a cash refund withholding module. For real-time payment voucher refund requests from unregistered merchants, this cash refund withholding module marks the corresponding refund amount as withholding and generates a record, sends a withholding reminder to the consumer terminal, and releases the withholding and refund amount after receiving confirmation from the merchant terminal.

[0010] Furthermore, it also includes a limited-quota management module, which responds to requests for the return of historical payment vouchers from unregistered merchants and manages them on a first-come, first-served basis. The specific process is as follows: Maintain a preset number of N first-come, first-served refund slots for each unregistered merchant. ≥1; The system provides real-time statistics and displays the remaining number of slots for each unregistered merchant to the consumer terminal. The same consumer can only apply for a refund once using a historical payment voucher from the same merchant. When there are zero remaining slots, any request for the return of historical payment vouchers from this merchant will be terminated. Wherein, the preset quantity Adjust dynamically according to the following formula: ; In the formula, As a baseline quota, The customer flow coefficient of the business district This is the industry frequency coefficient. This is the average order value coefficient. These are the operational activity coefficients, each obtained by looking up tables or mapping functions based on the corresponding merchant characteristic parameters.

[0011] Furthermore, the system sets historical payment voucher validity verification rules, the specific rules of which are as follows: Transaction time for retrieving historical payment vouchers Calculate the current system time The difference ; when If the number of days is ≤90, the application is allowed to enter the processing flow of the limited list management module; when After 90 days, the system will notify the consumer that the voucher is temporarily unusable and provide an entry point for notifying the merchant. Once the consumer triggers this function, an invitation to join the merchant will be sent.

[0012] Furthermore, it also includes a notification push module, which pushes cash back requests to the merchant's terminal in real time through at least one of the following channels: SMS, application push, and third-party platform template messages. The push content includes transaction information, the cash back amount, and rules for automatic registration after confirmation.

[0013] Furthermore, it also includes a one-click confirmation module, which is used to respond to the confirmation operation of the merchant terminal and simultaneously execute merchant registration and cash rebate distribution; The processing time for a single confirmation operation shall not exceed 60 seconds; Furthermore, merchants do not need to complete registration, sign a written agreement, participate in operation training, or change the payment QR code before receiving the notification; they can complete the entire onboarding process with just a single confirmation operation.

[0014] Furthermore, the system also includes a word-of-mouth diffusion tracking module. The word-of-mouth spread tracking module specifically performs the following operations: Record consumer sharing behavior and the resulting influx of new users; Preferably, additional rewards are paid to consumers who successfully bring in new users; Characterized by consumer-driven word-of-mouth diffusion, that is, a single consumer's cashback experience spreads to the surrounding area through social networks, chat, and communities, and the spread of information leads to new users installing the APP and performing cashback.

[0015] Furthermore, it also includes an operator database, which is built and continuously updated through at least three of the following methods: Continuously extract new merchant information from payment voucher images uploaded by consumers; Collect publicly available merchant information through web crawlers; Merchants can voluntarily register through our company's mini-program; Integration with third-party merchant information service APIs; The initial operator database was built by importing large-scale real-transaction verification data in batches.

[0016] Furthermore, the refund amount R is calculated according to the following formula: ; In the formula, For the amount to be paid, For dynamic return rates, Based on the return ratio, As an industry adjustment factor, As the inflation rate factor, Adjustment factors for the times.

[0017] By adopting the above technical solution, independent operation is possible without the need for PG Company API, ISV, and dedicated QR codes.

[0018] Compared with the prior art, the beneficial effects of the present invention are: this reverse-order merchant expansion and independent cash return system based on payment vouchers, Merchants can directly use existing QR codes without changing their QR codes. Zero entry barrier: Merchants can participate without prior registration, signing a contract, or undergoing training; Merchants' mindset has shifted from "losing out" to "not letting customers who have already visited the store go to waste." Rediscovering the value of historical vouchers: The large number of payment vouchers held by consumers (preferably within 90 days) create economic value; Scarcity promotion: Limited lists create a sense of urgency, and consumer conversion rates are preferably 3-5 times higher than with unlimited lists; Consumer-driven diffusion: Each consumer's cashback experience becomes a touchpoint for tapping into potential merchants, eliminating the need for sales personnel; Instant feedback: After confirmation, store owners immediately experience firsthand the exponential growth potential of "customer inflow due to cash rebates," enabling the merchant network and user base to expand exponentially simultaneously. High security: Equipped with a GAN forgery detection engine, the recognition rate reaches over 99.8%. Attached Figure Description

[0019] Figure 1This is a block diagram of the overall functional architecture of the system of the present invention; Figure 2 This is a flowchart of the dual-mode reverse-order business processing of the present invention; Figure 3 This invention provides a full-link diagram of the multi-source construction and update of the operator database. Figure 4 This is an internal flowchart of the certificate authenticity verification and information extraction process of the present invention; Figure 5 This is a consumer-driven word-of-mouth diffusion tracking link diagram of the present invention. Detailed Implementation

[0020] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0021] Please see Figure 1-5 This invention provides a technical solution: a reverse-order merchant expansion and independent cash return system based on payment vouchers, including a payment voucher acquisition module, a voucher forgery detection module, a payment information extraction module, a merchant information matching module, a merchant registration status confirmation module, a cash return calculation module, and a payment institution notification module. The system integrates two operating modes: real-time payment voucher cash return withholding and historical payment voucher limited list incentive. It adopts a reverse-order expansion mechanism in which consumers initiate the return request first and merchants confirm and complete the registration later. The system does not rely on third-party payment institution interface integration, service provider cooperation, or dedicated payment codes. It only independently completes the return determination through the consumer terminal and the operator database. After the merchant confirms, the information registration and cash return issuance are completed simultaneously. In actual system operation, consumers, as the starting point of the process, trigger a refund request by uploading payment vouchers, allowing merchants to apply for corresponding benefits without prior onboarding. Unregistered merchants, upon receiving the notification, only need to confirm to complete onboarding and simultaneously process consumer refund requests. The entire process involves no upfront costs or complex operations. The two operating models complement each other, with real-time vouchers covering immediate consumption scenarios and historical vouchers tapping into past consumption potential, jointly driving the rapid expansion of the merchant network. The entire system does not require integration with third-party payment institutions or the deployment of dedicated payment collection equipment; it can operate independently solely based on consumer terminals and its own database, eliminating dependence on external partners and possessing stronger self-operation capabilities and replicability.

[0022] Example 1: Specific use cases of Operation Mode 1 (Real-time Payment Voucher Detention Method) Scenario setting: Ms. Wang, a consumer, dines at a restaurant (which has not yet been registered as a P2C franchise store) and spends 200 yuan.

[0023] After completing the payment using WeChat Pay, Ms. Wang opened the P2C APP.

[0024] Step 1: Upload payment voucher Ms. Wang clicked "Upload Voucher" in the P2C APP and selected the WeChat payment screenshot she had just obtained. The screenshot showed: Merchant name "XX Restaurant", payment amount 200 yuan, payment time June 7, 2026, 12:30.

[0025] Step 2: System Processing After the system receives the credentials: Verify the authenticity of credentials using a GAN forgery detection engine (recognition rate of over 99.8%). Information such as the merchant name "XX Restaurant", amount of 200 yuan, and payment time were extracted using OCR technology. By querying the operator's database using an AI matching engine, it was confirmed that "XX Restaurant" has not yet been registered.

[0026] Step 3: Cash refund withheld The system set Ms. Wang's cash refund request to "temporarily withheld" status (the preset refund rate is 10%, and the withheld amount is 20 yuan), and pushed a notification to Ms. Wang: "This merchant has not yet registered, and the cash refund has been temporarily withheld. The store owner will pay after confirmation."

[0027] Step 4: Notify the merchants The system generates a notification message, which is sent to Mr. Zhang, the owner of "XX Restaurant," via SMS and app push notification: "[P2C] Customer Ms. Wang paid 200 yuan at your restaurant and requested a 20 yuan cash refund. After confirmation:" ① Pay the customer 20 yuan immediately. ② The customer's return visit rate is expected to increase by more than 20%. ③ Your store will be automatically registered as a P2C franchise store. [Confirm Now]

[0028] Step 5: Merchant Confirmation After receiving the notification, Mr. Zhang clicked the "Confirm Now" button (the whole process took about 30 seconds). After the system received the confirmation: Automatically register "XX Restaurant" to the operator's database; Immediately transfer 20 yuan in cash to Ms. Wang's P2C account; A confirmation message was sent to Mr. Zhang.

[0029] Step 6: Subsequent Effects Ms. Wang received a 20 yuan refund, which improved her impression of the restaurant, and she said she would come again next time. "XX Restaurant" has officially become a P2C franchise store. From now on, all P2C users who consume at this restaurant will automatically receive a cash rebate. Mr. Zhang personally experienced the effect of "customers actually came because of the refund" and took the initiative to recommend the P2C service to three restaurants in the vicinity.

[0030] Effect verification: In this embodiment, it takes about 30 seconds for the merchant to receive the notification and confirm the completion, and about 3 minutes for the consumer to upload the voucher and receive the refund. Neither of these times exceeds the preset time. Merchants do not need to register, sign a contract, receive training, or change the QR code in advance.

[0031] Example 2: Specific use cases of Operation Mode 2 (limited list of historical payment vouchers) Scenario setting: Three months ago (March 10, 2026), Mr. Li spent 50 yuan at a convenience store (which has not yet been registered as a P2C franchise store). The convenience store currently has 10 limited cash back slots, of which 3 have been used, leaving 7 remaining.

[0032] Step 1: Consumers discover historical evidence While organizing his phone's photo album, Mr. Li found a screenshot of a payment made at "XX Convenience Store" on March 10, 2026. He opened the P2C APP, clicked the "Historical Voucher Return" function, and uploaded the screenshot.

[0033] Step 2: System Processing After the system receives the credentials: Verify the authenticity of credentials using a GAN forgery detection engine; The merchant name "XX Convenience Store", amount 50 yuan, and payment date of March 10, 2026 were extracted using OCR. A query of the operator's database confirmed that "XX Convenience Store" is not registered. Checking the limited-slot management module confirms that this merchant has 7 slots remaining.

[0034] Step 3: Display remaining slots The system displayed the following to Mr. Li: Merchant Name: XX Convenience Store "Payment amount: 50 yuan (March 10, 2026)" "Remaining spots: 7 (out of 10)" "First come, first served. Once all slots are filled, the merchant's refund will only apply to new transactions completed after registration." "Estimated refund amount: 5 yuan (refund rate 10%)"

[0035] Step 4: Consumer submits request Mr. Li felt a sense of urgency after seeing the remaining spots and immediately clicked "Request Now" to submit his application.

[0036] Step 5: Notify the merchant The system will send a request to Ms. Zhao's mobile phone, the owner of "XX Convenience Store": "[P2C] Customer Mr. Li used a payment voucher (amount 50 yuan) at your convenience store on March 10, 2026." Request a 5 RMB cash refund. Upon confirmation: ① The customer will be immediately paid 5 RMB. ② Your store will be automatically registered as a P2C franchise store. Remaining slots: 7 / 10 [Confirm Now]

[0037] Step 6: Merchant Confirmation After receiving the notification, Ms. Zhao clicked the "Confirm Now" button (the whole process took about 20 seconds). After the system received the confirmation: Automatically register "XX Convenience Store" to the operator's database; Immediately pay Mr. Li's P2C account a cash refund of 5 yuan; The remaining slots will be reduced from 7 to 6. A confirmation message was sent to Ms. Zhao.

[0038] Step 7: Consumer Sharing and Spread Mr. Li was very satisfied with receiving the 5 yuan refund and clicked the "share" button to post his experience on WeChat Moments. His friend, Mr. Chen, saw it and: Download the P2C APP; Find your historical payment receipts from another unregistered merchant; They also submitted a cash refund request.

[0039] Step 8: Merchants' Spontaneous Recommendations Ms. Zhao experienced the effect of "a new customer actually came because of a receipt from 3 months ago (although Mr. Li did not come back, the system showed that a customer was using it)", and took the initiative to recommend the P2C service to the fruit store next door. The fruit store owner also registered as a franchisee.

[0040] Results Verification: In this implementation, a historical receipt from 3 months ago (more than 90 days ago) was reactivated, creating 5 yuan of economic value. Consumers felt a sense of urgency upon seeing "7 remaining slots," and the conversion rate was expected to increase by 3-5 times compared to when there was no quota limit. Through consumer sharing and merchant recommendations, a dual exponential growth in merchant network and user scale was achieved.

[0041] Implementation Method 3: Implementation Method for Time Limitation of Historical Vouchers Scenario setting: To prevent abuse and difficulties in identifying outdated vouchers, the system sets time limits for historical payment vouchers.

[0042] Preferred method: The system only accepts historical payment vouchers for transactions completed within the last 90 days. For historical vouchers older than 90 days, the system will display the following message: "This voucher is over 90 days old and cannot be used temporarily. However, you can notify the merchant to register for P2C. After registration, you can use the voucher to receive a refund." Processing flow: Consumers upload historical payment receipts; The system extracts the payment time field using OCR; The system calculates the difference between the payment time and the current time; If the difference is ≤90 days, proceed to Operation Mode 2 process normally; If the difference exceeds 90 days, the system will display a prompt message and suspend processing, while also providing consumers with the option to "notify the merchant". Special design: When a voucher older than 90 days is rejected, the system will provide consumers with an alternative: "You can click the button below, and the system will send a notification to the merchant, informing them to register for P2C. After the merchant registers, you can use the voucher to get a refund." Design rationale: Setting a 90-day time limit can prevent users from using outdated credentials (the merchant may have closed down, been transferred, or changed). Reduce the difficulty of verifying the authenticity of payment vouchers (the longer the time, the higher the risk of forgery). Meanwhile, the merchant discovery function retains historical credentials through the "Notify Merchants" option.

[0043] Implementation Method 4: Collaborative Operation of Two Operating Modes within the Same System Scenario setting: A hair salon has not yet registered as a P2C franchise store. The system is running both Operation Mode 1 and Operation Mode 2 simultaneously.

[0044] Collaborative Scenario A (Mode 1 triggers a chain reaction in Mode 2): Consumer A immediately uploaded the receipt after spending 300 yuan at the hair salon (Mode 1). The system will request a temporary deduction (30 yuan) and notify the shop owner; After the shop owner confirmed, the hair salon was registered as a franchise store, and consumer A received 30 yuan; Consumer A shared their experience on WeChat Moments; After seeing the shared post, Consumer B found their historical receipt from the hair salon two months prior (amounting to 200 yuan) and submitted a request using Mode 2. Since the hair salon was already registered, the system processed the transaction according to normal rules, and consumer B received a refund of 20 yuan. Collaborative Scenario B (Mode 2 drives the prior registration of Mode 1): Consumer C finds his historical voucher from 3 months ago at the hair salon (amounting to 150 yuan) and submits a request through Mode 2 (at this time, the hair salon is still unregistered, with 9 slots remaining). The system displays the remaining slots, and consumer C submits a request; After the shop owner confirmed, the hair salon was registered, and consumer C received 15 yuan; Subsequently, consumer D uploaded proof of purchase through Mode 1 after making a purchase at the hair salon; Since the hair salon has already registered, the system will no longer deduct the payment and will directly refund it to consumer D.

[0045] Synergistic effect: Both modes share the same operator database and merchant registration status; The historical credentials feature in Mode 2 accelerates the merchant's initial registration (the request from consumer C). After a merchant registers, subsequent consumers (consumer D) in Mode 1 will receive a direct refund without any deduction. This has created a virtuous cycle of "accelerated registration of historical credentials → automatic return of credentials for new transactions after registration".

[0046] Implementation Method 5: Dynamic Adjustment of the Limited List Scenario setting: The system presets a limited list of N merchants for each unregistered merchant. The default value of N is 10, but it can be dynamically adjusted according to the characteristics of the merchants.

[0047] Dynamic adjustment rules: Baseline value: N=10 Factors leading to upward adjustment: The business is located in an area with high foot traffic → N=15; the business belongs to a high-frequency consumption industry (such as restaurants and convenience stores) → N=12 -During the system promotion campaign → N=20

[0048] Factors leading to downward adjustment: The business district where this merchant is located has low customer traffic → N=5 The merchant has a high average order value (e.g., >500 yuan) → N=3

[0049] Implementation process: The system identifies unregistered merchant A and queries its characteristics (business district, industry, and estimated average order value). The system calculates the N value according to the rules (e.g., medium customer traffic → base 10, catering industry → adjusted to 12, final N=12). The system maintains a limited list of 12 people for this merchant. The remaining number of slots will be displayed to consumers in real time. After the 12th consumer successfully submits their request, the remaining slots are displayed as 0, and subsequent consumers' requests for historical credentials are rejected (or redirected to the "Notify Merchant" process). Effect: Dynamically adjusting the N value can more accurately incentivize the registration of different types of merchants, avoiding unreasonable situations caused by uniform standards (such as high-priced merchants being overburdened due to excessive quotas despite larger rebates).

Claims

1. A reverse-order merchant expansion and independent cash rebate system based on payment vouchers, characterized in that: It includes a payment voucher acquisition module, a voucher forgery detection module, a payment information extraction module, a merchant information matching module, a merchant registration status confirmation module, a cash rebate calculation module, and a payment institution notification module; The system integrates two operating models: real-time payment voucher cash return withholding and historical payment voucher limited list incentive. It adopts a reverse order expansion mechanism where consumers initiate the return request first and merchants confirm the registration later. The system does not rely on third-party payment institution interfaces, service provider cooperation, or dedicated payment codes. It independently completes the refund determination only through the consumer terminal and the operator's database. After the merchant confirms, the information registration and cash refund are completed simultaneously.

2. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, The payment voucher acquisition module is used to acquire real-time payment voucher and historical payment voucher images uploaded by consumers through a terminal, wherein the terminal is a mobile APP or mini program; The forgery detection module uses a generative adversarial network algorithm to detect the authenticity of payment voucher images; The payment information extraction module extracts structured payment information from vouchers using optical character recognition technology; The merchant information matching module intelligently matches the extracted merchant information with the operator's database; The merchant registration status confirmation module is used to verify the merchant registration status. Unregistered merchants trigger a reverse activation process. The cash rebate calculation module calculates the rebate amount based on the payment amount and a preset ratio, and the rebate ratio can be dynamically adjusted. The payment institution notification module is used to send settlement instructions to third-party payment institutions.

3. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, It also includes a cash refund withholding module. For real-time payment voucher refund requests from unregistered merchants, this cash refund withholding module marks the corresponding refund amount as withholding and generates a record, sends a withholding reminder to the consumer terminal, and releases the withholding and refund amount after receiving confirmation from the merchant terminal.

4. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, It also includes a limited-list management module, which responds to requests for the return of historical payment vouchers from unregistered merchants and manages them on a first-come, first-served basis. The specific process is as follows: Maintain a preset number of N first-come, first-served refund slots for each unregistered merchant. ≥1; The system provides real-time statistics and displays the remaining number of slots for each unregistered merchant to the consumer terminal. The same consumer can only apply for a refund once using a historical payment voucher from the same merchant. When there are zero remaining slots, any request for the return of historical payment vouchers from this merchant will be terminated. Wherein, the preset quantity Adjust dynamically according to the following formula: ； In the formula, As a baseline quota, The customer flow coefficient of the business district This is the industry frequency coefficient. This is the average order value coefficient. These are the operational activity coefficients, each obtained by looking up tables or mapping functions based on the corresponding merchant characteristic parameters.

5. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, The system sets historical payment voucher validity verification rules, as follows: Transaction time for retrieving historical payment vouchers Calculate the current system time The difference ; when If the number of days is ≤90, the application is allowed to enter the processing flow of the limited list management module; when After 90 days, the system will notify the consumer that the voucher is temporarily unusable and provide an entry point for notifying the merchant. Once the consumer triggers this function, an invitation to join the merchant will be sent.

6. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, It also includes a notification push module, which pushes cash back requests to the merchant's terminal in real time through at least one of the following channels: SMS, application push, and third-party platform template messages. The push content includes transaction information, the amount of cash back, and a rule description for automatic registration after confirmation.

7. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, It also includes a one-click confirmation module, which is used to respond to the confirmation operation of the merchant terminal and simultaneously execute merchant registration and cash rebate distribution; The processing time for a single confirmation operation shall not exceed 60 seconds; Furthermore, merchants do not need to complete registration, sign a written agreement, participate in operation training, or change the payment QR code before receiving the notification; they can complete the entire onboarding process with just a single confirmation operation.

8. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, The system also includes a word-of-mouth spread tracking module. The word-of-mouth spread tracking module specifically performs the following operations: Record consumer sharing behavior and the resulting influx of new users; Preferably, additional rewards are paid to consumers who successfully bring in new users; Characterized by consumer-driven word-of-mouth diffusion, that is, a single consumer's cashback experience spreads to the surrounding area through social networks, chat, and communities, and the spread of information leads to new users installing the APP and performing cashback.

9. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 1, characterized in that, It also includes an operator database, which is built and continuously updated in at least three of the following ways: Continuously extract new merchant information from payment voucher images uploaded by consumers; Collect publicly available merchant information through web crawlers; Merchants can voluntarily register through our company's mini-program; Integration with third-party merchant information service APIs; The initial operator database was built by importing large-scale real-transaction verification data in batches.

10. The reverse-order merchant expansion and independent cash return system based on payment vouchers according to claim 2, characterized in that, The refund amount R is calculated according to the following formula: ； In the formula, For the amount to be paid, For dynamic return rates, Based on the return ratio, As an industry adjustment factor, As the inflation rate factor, Adjustment factors for the times.

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