预付式消费门店跑路平台先赔，北京首推第三方平台“安心消费”模式

Core Viewpoint - The introduction of the "Anxin Consumption Series" prepaid consumption model by Meituan aims to address the issue of merchants disappearing after consumers have made advance payments, providing a safety net for consumers in Beijing [1][4]. Group 1: Product Launch and Features - Meituan has launched the "Anxin Consumption Series" prepaid products in three sectors: education training, sports fitness, and beauty services, ensuring consumer protection against merchant defaults [4]. - The products utilize an "online ordering, per session/month redemption" model to alleviate refund difficulties for consumers [4]. - Specific offerings include "runaway compensation" for sports fitness, "Anxin Study" session cards for education, and redeemable session cards for various service sectors like foot massage and beauty [4][10]. Group 2: Compensation Mechanism - In the event of a merchant's disappearance, Meituan will compensate consumers for their losses, calculated based on the remaining service days relative to the total service days [8]. - For example, if a consumer purchases a 300 yuan fitness monthly card and the merchant disappears halfway through the month, the compensation would be 160 yuan based on the remaining days [8]. Group 3: Regulatory Context and Consumer Guidance - The Beijing Municipal Market Supervision Bureau has noted frequent issues in the prepaid consumption sector, prompting the establishment of regulations to enhance fund supervision and protect consumer rights [10]. - The initiative encourages platform companies to take social responsibility and develop mechanisms for online prepaid purchases, dispute resolution, and advance compensation [10]. - Consumers are advised to be cautious of merchants' verbal promises and to avoid large or long-term prepaid purchases, ensuring clear terms in written contracts [10].