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Local Life Service Collection: In-Store Redemption, Vouchers, and Merchant Settlement

The main difference between local life services and e-commerce is that money is collected first and the service is delivered later, on the merchant's premises. The core tension therefore concentrates on redemption: duplicate redemption, refunds for expired vouchers, and merchants denying redemption decide whether reconciliation balances. This article sets out a voucher state machine and a settlement design.