1. First, the merchant will swipe the consumer's credit card and freeze the pre-authorization amount.

2. Then the merchant will print out the pre-authorization document, and the consumer needs to sign for confirmation.

3. Then, the merchant will order the pre-authorization form together with the POS machine receipt for the bank to check.

4. Then, if the consumer completes the consumption normally, the bank will unfreeze the funds within the pre-authorized amount and notify the consumer and the merchant by SMS.

5. Then the merchant will print out the statement and attach the pre-authorization document to the bank.

6. Finally, the bank will settle the account and pay the consumption amount to the merchant.