CN107369014A - A kind of prepaid card method of payment, network payment platform and prepaid card systems - Google Patents
A kind of prepaid card method of payment, network payment platform and prepaid card systems Download PDFInfo
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- CN107369014A CN107369014A CN201610315943.2A CN201610315943A CN107369014A CN 107369014 A CN107369014 A CN 107369014A CN 201610315943 A CN201610315943 A CN 201610315943A CN 107369014 A CN107369014 A CN 107369014A
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- Prior art keywords
- prepaid card
- amount
- money
- payment platform
- remaining sum
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Abstract
The present invention relates to field of computer technology, more particularly to a kind of prepaid card method of payment, network payment platform and prepaid card systems, including：The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by network payment platform, so as to be sent to network payment platform after prepaid card systems generation consumption processing response message；Network payment platform deducts from the bank card of prepaid card binding to third-party payment system request when it is determined that consumption processing response message is comprising instruction is withheld and withholding the amount of money；If network payment platform receives success message of withholing, generate the first transaction successful message and send to transaction terminal.This method has increased network payment platform newly under existing Payment System, for when Sorry, your ticket has not enough value for prepaid card, withheld in the bank card bound by third-party payment system from prepaid card, the unlimited remaining sum for realizing prepaid card is paid, so that the success rate of transaction greatly improves, it need not increase simultaneously and supplement platform with money under line or on line, save manpower and resource.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of prepaid card method of payment, network payment to put down
Platform and prepaid card systems.
Background technology
Prepaid card is called stored value card, consumption card, Fu Lika, smart card, accumulating card etc., refers to card sending mechanism
By specific support and in the form of issue, commodity or the prepaid value of service can be bought outside card sending mechanism, i.e.,
It is the card that a kind of post-pay paystation is consumed again.By whether record holder's identity information be divided into sign prepaid card and
Blank prepaid card, it is divided into magnetic stripe card, chip card by information carrier difference.
Prepaid card shopping is the transaction form occurred after credit card, and the use process of prepaid card is：Consumption
Person pre-pays the cash for limiting number in the site that card sending mechanism is specified or trade company, obtains prepaid card, is accepting this
Only one or many consumption in advance payment can not be stuck at the trade company of prepaid card by this in cash.
As shown in figure 1, payment flow during to be consumed in the prior art using prepaid card, including：
1st, transaction terminal initiates consumer requests, and consumer requests are sent to transit node；
Transaction terminal refers to the terminal device of the support brush prepaid card transactions in trade company, such as POS (Point
Of Sale, point-of-sale terminal) swiping card equipment such as machine, transit node generally comprises acquirer, payment network and
Front-end system etc., wherein acquirer refer to have signed agreement with trade company or provide home currency and foreign currency fund for holder
Clearing service, clearing members' unit of exchange is directly or indirectly participated in transaction document；Transition network is paid to refer to
Be to provide inter-bank trade clearing system, realize payment instruction transmission and fund clearing, realize business bank be
Interconnecting between system and resource-sharing, ensure bank card inter-bank, trans-regional and cross-border use；Preposition system
System is referred to handling the exchange business between transition network and network payment platform, including message format is changed,
The integrality and uniformity of abnormal transaction warrants on-line transaction are handled simultaneously.
2nd, consumer requests are forwarded to prepaid card systems by transit node.
Prepaid card systems mainly be responsible for processing prepaid card products safeguard, sell card, move back card, tune account, consumption, in advance
The business such as mandate, are managed to prepaid card card and accounts information.
3rd, prepaid card systems are handled consumer requests.
The card number of prepaid card of the prepaid card systems in the consumer requests received inquires the remaining of prepaid card
Volume, then compared with the spending amount in consumer requests, judge this time whether transaction can be completed, if
Remaining sum is enough, then sends transaction successful message to transit node after completing corresponding withhold；If Sorry, your ticket has not enough value,
Transaction-declined message is then generated to transit node.
4th, the transaction successful message or transaction-declined message that transit node sends over prepaid card systems are sent
To transaction terminal.
Said process as realizes the flow chart that prepaid card is paid, but the prepayment under prior art in the prior art
The card means of payment is primarily present problems with：When prepaid card Sorry, your ticket has not enough value can not accordingly be withholdd when, then
Fail Transaction can be caused, if so that when consumer wants to be continuing with the prepaid card, needed to the prepaid card
Supplemented with money.Can be that prepayment is sticked into by channel of disbursement under channel of disbursement on line or line to prepaid card load
Row is supplemented with money, then can be just continuing with.
In summary, prepaid card method of payment of the prior art, it is when Sorry, your ticket has not enough value for prepaid card, then necessary
After first supplementing prepaid card with money by way of on line or under line by holder, it can just continue to merchandise,
And it also requires card sending mechanism provides recharge point under line or provides recharge point on line, cause to compare waste of manpower
And resource.
The content of the invention
The present invention provides a kind of prepaid card method of payment, network payment platform and prepaid card systems, to solve
Prepaid card method of payment of the prior art, when Sorry, your ticket has not enough value for prepaid card, then line must be passed through by holder
Mode under upper or line can just continue to merchandise after first supplementing prepaid card with money, and also need to card sending mechanism
Recharge point under line is provided or recharge point on line is provided, causes the technical problem for comparing waste of manpower and resource.
On the one hand, the embodiment of the present invention provides a kind of prepaid card method of payment, including：
The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by network payment platform, so that described pre-
Pay the card number and spending amount of prepaid card of the card system in the consumer requests, generation consumption processing response
Information and sending gives the network payment platform；
The network payment platform is it is determined that the consumption processing response message is included when withholding instruction, to the 3rd
Square payment system request is deducted from the bank card of prepaid card binding withholds the amount of money, and described include withholds finger
The consumption processing response message shown is that the prepaid card systems are less than the consumption in the remaining sum of the prepaid card
Sent during the amount of money；
If the network payment platform receives success message of withholing, it is concurrent to generate the first transaction successful message
Deliver to the transaction terminal.
Method provided in an embodiment of the present invention, the consumer requests that network payment platform sends transaction terminal forward
To prepaid card systems, so as to the card number of prepaid card of the prepaid card systems in the consumer requests and disappear
Take the amount of money, generation consumption processing response message is simultaneously sent to the network payment platform；The network payment is put down
Platform is asked from institute when it is determined that the consumption processing response message is comprising instruction is withheld to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money, it is described to disappear comprising the consumption processing response for withholding instruction
Breath is that the prepaid card systems are sent when the remaining sum of the prepaid card is less than the spending amount；It is if described
Network payment platform receives success message of withholing, then generates the first transaction successful message and send to the friendship
Easy terminal.This method has increased network payment platform newly under existing Payment System, for sentencing when prepaid card systems
Disconnected prepaid card is tied up by network payment platform by third-party payment system from the prepaid card when Sorry, your ticket has not enough value
Withheld in fixed bank card, it is achieved thereby that the unlimited remaining sum of prepaid card is paid so that the success of transaction
Rate greatly improves, and improves Consumer's Experience, while need not increase the platform of supplementing with money under line or on line, saves
Manpower and resource.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；
Described comprising the consumption processing response message of instruction is withheld is the prepaid card systems in the prepaid card
Remaining sum when being less than the spending amount, increase the remaining sum of the prepaid card according to the amount of money that withholds to meet
Sent after the consumer requests.
Alternatively, if the network payment platform receives failed message of withholing, the failure of withholing is disappeared
Breath is forwarded to the prepaid card systems, so that the prepaid card systems are by the state reduction of the prepaid card to institute
State state when consumer requests do not occur.
Alternatively, the amount of money that withholds is equal to the spending amount；
If the network payment platform receives failed message of withholing, generate transaction-declined message and send extremely
The transaction terminal.
Alternatively, the consumption processing response message is consumption success message, in the consumption success message not
Instruction is withheld comprising described；
The network payment platform generates the second transaction successful message according to the consumption success message and sent
To the transaction terminal.
On the other hand, the embodiment of the present invention provides a kind of network payment platform, including：
Retransmission unit, the consumer requests for transaction terminal to be sent are forwarded to prepaid card systems, so that described
The card number and spending amount of prepaid card of the prepaid card systems in the consumer requests, generation consumption processing ring
Information and sending is answered to give network payment platform；If receiving success message of withholing, generation first is merchandised successfully
Information and sending is to the transaction terminal；
Unit is withheld, for it is determined that the consumption processing response message is included when withholding instruction, to third party
Payment system request is deducted from the bank card of prepaid card binding withholds the amount of money, and described include withholds instruction
Consumption processing response message to be the prepaid card systems be less than the consumption gold in the remaining sum of the prepaid card
Sent during volume.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；
Described comprising the consumption processing response message of instruction is withheld is the prepaid card systems in the prepaid card
Remaining sum when being less than the spending amount, increase the remaining sum of the prepaid card according to the amount of money that withholds to meet
Sent after the consumer requests.
Alternatively, the retransmission unit is additionally operable to：If receiving failed message of withholing, by the mistake of withholing
Lose message and be forwarded to the prepaid card systems, so that the prepaid card systems are by the state reduction of the prepaid card
State when not occurring to the consumer requests.
Alternatively, the amount of money that withholds is equal to the spending amount；
The retransmission unit is additionally operable to：If receiving failed message of withholing, generation transaction-declined message is concurrent
Deliver to the transaction terminal.
Alternatively, the consumption processing response message is consumption success message, in the consumption success message not
Instruction is withheld comprising described；The retransmission unit is additionally operable to：Handed over according to the consumption success message generation second
Easy success message is simultaneously sent to the transaction terminal.
On the one hand, the embodiment of the present invention provides a kind of prepaid card method of payment, including：
Prepaid card systems receive the consumer requests of network payment platform forwarding, and prepayment is included in the consumer requests
The card number and spending amount of card；
The prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card, and according to institute
The remaining sum of prepaid card and the spending amount are stated, judges whether the remaining sum of the prepaid card is less than the consumption gold
Volume；
If the prepaid card systems determine that the remaining sum of the prepaid card is less than the spending amount, generation includes
Withhold the consumption processing response message of instruction and be sent to the network payment platform, so that the network payment
Platform is asked from institute according to described comprising the consumption processing response message for withholding instruction to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；The prepaid card systems generation includes the consumption for withholding instruction
Response message is handled, including：
The prepaid card systems increase the remaining sum of the prepaid card to meet described disappear according to the amount of money that withholds
Take request；
The remaining sum of the prepaid card is deducted the spending amount by the prepaid card systems；
The prepaid card systems generation is described to include the consumption processing response message for withholding the amount of money.
Alternatively, the prepaid card systems generation comprising the consumption processing response message for withholding instruction and is sent to
After the network payment platform, in addition to：
If the prepaid card systems receive the failed message of withholing of the network payment platform forwarding, by institute
State the state reduction of prepaid card to the consumer requests do not occur when state.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is the spending amount；
The prepaid card systems generation includes the consumption processing response message for withholding instruction, including：
Consumption processing response message of the prepaid card systems generation comprising the spending amount.
Alternatively, the password of the prepaid card of the consumer requests also comprising user's input；
Before the prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card, also wrap
Include：
The prepaid card systems determine the password of the prepaid card of user's input and the prepaid card system
The password of the prepaid card stored in system is identical.
On the other hand, the embodiment of the present invention provides a kind of prepaid card systems, including：
Receiving unit, for receiving the consumer requests of network payment platform forwarding, included in the consumer requests
The card number and spending amount of prepaid card；
Determining unit, for determining the remaining sum of the prepaid card according to the card number of the prepaid card, and according to institute
The remaining sum of prepaid card and the spending amount are stated, judges whether the remaining sum of the prepaid card is less than the consumption gold
Volume；
Generation unit, for if it is determined that the remaining sum of the prepaid card is less than the spending amount, then generation to include
Withhold the consumption processing response message of instruction；
Transmitting element, the network payment platform is sent to for the consumption to be handled into response message, so that
The network payment platform handles response message to Third-party payment according to described comprising the consumption for withholding instruction
Deducted in the bank card that system request is bound from the prepaid card and withhold the amount of money.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；The generation unit, is specifically used for：
Increase the remaining sum of the prepaid card according to the amount of money that withholds to meet the consumer requests；
The remaining sum of the prepaid card is deducted into the spending amount；
Generation is described to include the consumption processing response message for withholding the amount of money.
Alternatively, the prepaid card systems also include reduction unit, if being put down for receiving the network payment
The failed message of withholing of platform forwarding, the then when state reduction of the prepaid card to the consumer requests is not occurred
State.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is the spending amount；
The generation unit, is additionally operable to：Consumption processing response message of the generation comprising the spending amount.
Alternatively, the password of the prepaid card of the consumer requests also comprising user's input；
The prepaid card systems also include cryptographic check unit, for being determined according to the card number of the prepaid card
Before the remaining sum of the prepaid card, the password of the prepaid card of user's input and the prepaid card are determined
The password of the prepaid card stored in system is identical.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, institute in being described below to embodiment
The accompanying drawing needed to use is briefly introduced, it should be apparent that, drawings in the following description are only the present invention's
Some embodiments, for one of ordinary skill in the art, do not paying the premise of creative labor
Under, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is payment flow schematic diagram when being consumed in background technology using prepaid card；
The system construction drawing that Fig. 2 is applicable by prepaid card method of payment provided in an embodiment of the present invention；
Fig. 3 is a kind of prepaid card method of payment flow chart provided in an embodiment of the present invention；
Fig. 4 is a kind of prepaid card method of payment flow chart provided in an embodiment of the present invention；
Fig. 5 is a kind of prepaid card method of payment flow chart provided in an embodiment of the present invention；
Fig. 6 is a kind of network payment platform structure schematic diagram provided in an embodiment of the present invention；
Fig. 7 is a kind of prepaid card systems structural representation provided in an embodiment of the present invention.
Embodiment
In order that the object, technical solutions and advantages of the present invention are clearer, below in conjunction with accompanying drawing to this hair
It is bright to be described in further detail, it is clear that described embodiment is only part of the embodiment of the present invention,
Rather than whole embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out under the premise of creative work all other embodiment obtained, belong to the scope of protection of the invention.
As shown in Fig. 2 the system construction drawing being applicable by prepaid card method of payment provided in an embodiment of the present invention,
Including transaction terminal 201, transit node 202, network payment platform 203, prepaid card systems the 204, the 3rd
Square payment system 205 and bank 206.
Wherein, transaction terminal 201 refers to the terminal device of the support brush prepaid card transactions in trade company, such as
User is passed through middle trochanter by the swiping card equipments such as POS, transaction terminal in consumer requests caused by brush prepaid card
Point 202 is forwarded to network payment platform 203, wherein in consumer requests including at least prepaid card card number and
Spending amount, it can additionally include the related letter of other transaction such as name of firm, trade company's code, exchange hour
Breath.
Transit node 202 generally comprises acquirer, wherein payment network and front-end system etc., acquirer
Refer to have signed agreement with trade company or provide home currency and foreign currency capital settlement service for holder, directly or indirectly with friendship
Easy document participates in clearing members' unit of exchange；Transition network is paid to refer to providing inter-bank exchange settlement system
System, realizes payment instruction transmission and fund clearing, realizes that interconnecting between business bank's system is total to resource
Enjoy, ensure bank card inter-bank, trans-regional and cross-border use；Front-end system refer to handle transition network and
Exchange business between network payment platform, including message format conversion, while handle abnormal transaction warrants connection
The integrality and uniformity of machine transaction.The main users of transit node 202 send over transaction terminal 201
Consumer requests are forwarded to network payment platform 203, and the trading processing that network payment platform is sended over
As a result (success or failure) is forwarded to transaction terminal 201.
Network payment platform 203 is a newly-increased node, is managed by the card issuer of prepaid card, hair fastener
The major function of network payment platform 203 of side includes：User's registration, Merchants register, card management, card
Online sales, the docking of magnetic stripe card related service, IC (Intergrated Circuit, integrated circuit) cards are related
Service interfacing, service management, virtual account, settle accounts calculation, data analysis and form etc..Implement in the present invention
In example, the consumer requests that transit node 202 forwards are forwarded to prepaid card system by network payment platform 203
System 204, carries out corresponding trading processing, when network payment platform receives prepayment by prepaid card systems 204
When withholding instruction of card system 204, showing prepaid card, Sorry, your ticket has not enough value to complete this time to merchandise, therefore by network
Deduct and withhold in the bank card that payment platform 203 is bound by third-party payment system 205 from the prepaid card
The amount of money, so that this time merchandising successfully.
Prepaid card systems 204 mainly be responsible for processing prepaid card products safeguard, sell card, move back card, tune account, consumption,
The business such as pre-authorization, prepaid card card and accounts information are managed.In the embodiment of the present invention, prepaid card
After system 204 receives the consumer requests of the forwarding of network payment platform 203, judge in prepaid card whether is remaining sum
It can complete this time to merchandise, when remaining sum is enough in prepaid card, then generate consumption after therefrom deducting spending amount
Transaction terminal 201 is forwarded to by network payment platform 203 after processing response message；When remaining sum in prepaid card
When insufficient, then transmission, which is withheld, is indicated to network payment platform 203, passes through the 3rd by network payment platform 203
Deducted in the bank card that square payment system 205 is bound from the prepaid card and withhold the amount of money, so that this time handing over
Easily success.
The partner of the prepaid card card issuer of third-party payment system 205 owns, the partner can be bank,
Mobile terminal manufacturer or internet payment instrument etc., the payment system finally dock bank 206.
Bank 206 is the bank where the bank card of prepaid card binding.
In the embodiment of the present invention, card issuer is by increasing network payment platform 203 and third-party payment system
205 docking, so as to when prepaid card systems 204 judge prepaid card Sorry, your ticket has not enough value, then by network payment platform
Deducted in 203 bank cards bound by third-party payment system 205 from the prepaid card and withhold the amount of money, from
And the unlimited remaining sum application of prepaid card can be realized, pass through line when Sorry, your ticket has not enough value for prepaid card without user
Mode on lower or line is supplemented with money, Consumer's Experience is improved, simultaneously because need not set up on line or be filled under line
It is worth platform, thus has saved resource and manpower.
Prepaid card method of payment provided in an embodiment of the present invention is described in detail below in conjunction with the accompanying drawings.
Fig. 3 is a kind of prepaid card method of payment flow chart provided in an embodiment of the present invention, including：
The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by step 301, network payment platform,
The card number and spending amount of prepaid card are included in the consumer requests；
Step 302, the prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card,
And the remaining sum according to the prepaid card and the spending amount, judge whether the remaining sum of the prepaid card is less than institute
State spending amount；
If step 303, the prepaid card systems determine that the remaining sum of the prepaid card is less than the spending amount,
Then generation comprising the consumption processing response message for withholding instruction and is sent to the network payment platform, so that institute
State network payment platform and handle response message to Third-party payment system comprising the consumption for withholding instruction according to described
System request is deducted from the bank card of prepaid card binding withholds the amount of money；
Step 304, the network payment platform are it is determined that the consumption processing response message includes and withholds instruction
When, deducted to third-party payment system request from the bank card of prepaid card binding and withhold the amount of money, it is described
It is that the prepaid card systems are small in the remaining sum of the prepaid card to handle response message comprising the consumption for withholding instruction
Sent when the spending amount；
If step 305, the network payment platform receive success message of withholing, the transaction of generation first into
Work(information and sending is to the transaction terminal.
In above-mentioned steps 301, the consumer requests that transaction terminal is sent are forwarded to prepayment by network payment platform
Card system, the card number and spending amount of prepaid card are included in the consumer requests, wherein consumer requests are by handing over
What easy terminal was forwarded by transit node.
In above-mentioned steps 302, prepaid card systems receive network payment platform transmission consumer requests after,
The card number and spending amount of prepaid card are therefrom obtained, then according to the card number of prepaid card from the prepaid card system
The remaining sum of the prepaid card is obtained in system, and judges whether the remaining sum of prepaid card is less than the spending amount.
In above-mentioned steps 303, if the remaining sum of prepaid card is more than or equal to the spending amount, show
The remaining sum of current prepaid card is enough, therefore spending amount is directly deducted from prepaid card, and then generation disappears
Take processing response message, wherein comprising transaction successfully some information, such as comprising spending amount, gold of withholing
Volume, exchange hour, remaining sum of prepaid card etc., and do not include and withhold instruction, thus network payment platform connects
Receive the consumption processing response message after, due to without withhold instruction, therefore without from bank card carry out
Withhold, thus consumption processing response message is actually a consumption success message；If prepaid card is remaining
Volume is less than the spending amount, then shows that Sorry, your ticket has not enough value for current prepaid card, such as the consumption in consumer requests
The amount of money is 100 yuan, and the remaining sum of prepaid card only has 60 yuan, therefore can not be directly by entering from prepaid card
Row is withholdd to complete to merchandise, and is detained in the bank card that must be now bound by means of network payment platform from prepaid card
Complete to merchandise except some or all of spending amount.
If the prepaid card systems determine that the remaining sum of the prepaid card is less than the spending amount, generation includes
Withhold the consumption processing response message of instruction and be sent to the network payment platform, so that the network payment
Platform is asked from institute according to described comprising the consumption processing response message for withholding instruction to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money, specifically, prepaid card systems are it is determined that prepaid card
When Sorry, your ticket has not enough value, how to interact with network payment platform and withheld with realizing from bank card, be there are many kinds
Mode, two kinds of implementations are given below and are used as explanation.
Mode one, remaining sum is deducted from prepaid card, deduct withholding the amount of money from bank card
For example, the spending amount in consumer requests is 100 yuan, and the remaining sum of prepaid card only has 60 yuan,
Then in this approach, it is that 60 yuan are deducted from prepaid card, 40 yuan is deducted from bank card, so as to complete to hand over
Easily.
Under the deduction mode of mode one, it can also specifically be divided into two kinds of implementations：
Implementation one, first prepaid card is caused to meet consumer requests prepaid card increase remaining sum, then again to pre-
Pay card and be deducted remaining sum, and deducted by network payment platform from bank card and withhold the amount of money
Specifically, comprise the following steps：
Step 1, prepaid card systems increase the remaining sum of the prepaid card to meet the consumption according to the amount of money is withheld
Request, wherein the amount of money that withholds is more than or equal to the spending amount and the difference of the remaining sum of the prepaid card
Value；
The remaining sum of the prepaid card is deducted the spending amount by step 2, prepaid card systems；
Step 3, the prepaid card systems generation consumption processing response message that the amount of money is withheld comprising described in.
Or illustrated by taking above example as an example, the spending amount in consumer requests is 100 yuan, and pre-
The remaining sum for paying card only has 60 yuan, then now can first be adjusted remaining sum amount to prepaid card, such as can be with
It is 40 yuan of increase so that the remaining sum of prepaid card is 100 yuan, so as to just meet spending amount, Ran Houzai
100 yuan are deducted from prepaid card, so as to now merchandise successfully；It can certainly preset and withhold the amount of money and be
Meet certain regular amount, for example, more than or equal to spending amount and the difference of the remaining sum of the prepaid card
And it is spending amount and the difference of the remaining sum of the prepaid card in 100 minimum multiple, such as above-mentioned example
For 40, then the amount of money is withheld as 100；For another example if spending amount and the difference of the remaining sum of the prepaid card are
150, then it is 200 to withhold the amount of money, some remaining sums is adjusted so as to be embodied as prepaid card, so that next time disappears more
It is time-consuming directly to be withholdd from prepaid card.
It should be noted that in the implementation one, prepaid card systems adjust to prepaid card amount of money amount,
A kind of simply virtual adjustment of amount, thus now also carry out withholding the deduction of the amount of money not from bank card,
Only when bank card is withheld successfully, transaction just really success at last now otherwise will transaction or need
Original state is reverted to, that is, non-generating state of merchandising, the remaining sum of prepaid card is still adjusted to initial value, such as
60 yuan in upper example.
In the implementation one, prepaid card systems complete prepaid card it is corresponding withhold after, it is also necessary to
The bank card that notice network payment platform is bound to prepaid card, which deducts, withholds the amount of money, to ensure the correct of transaction
Property.Specifically, in step 3, prepaid card systems generate one and include the consumption processing response for withholding instruction
Message, wherein it is described withhold refer to be exactly it is described withhold the amount of money, i.e. prepaid card systems will include and withhold finger
The consumption processing response message shown is sent to network payment platform.
Implementation two, remaining sum directly is deducted from prepaid card, then by network payment platform from bank card
Deduction withholds the amount of money, wherein withholding the amount of money equal to spending amount and the difference of the remaining sum of prepaid card
In the implementation, amount adjustment is not carried out to prepaid card, but it is directly that the remaining sum of prepaid card is whole
Deduct, then insufficient part (withholding the amount of money), then handled by generating comprising the consumption for withholding instruction
Response message, notice network payment platform are withheld, wherein, withhold and be designated as withholding the amount of money.
The difference of above-mentioned implementation one and above-mentioned implementation two is, is first to prepayment in implementation one
Card carry out amount adjustment so that the enough payment consumption amount of money of amount of prepaid card so that this time transaction into
Work(, therefore the consumption processing response message for being sent to network payment platform is actually one and consumes and successfully disappear
Breath, when network payment platform successfully deducts from bank card withholds the amount of money, then it need not notify prepaid card systems；
If network payment platform deducts when withholding the amount of money failure (such as due to bank card remaining sum not from bank card
Foot), even described network payment platform receives failed message of withholing, then turns the failed message of withholing
The prepaid card systems are sent to, so that the prepaid card systems disappear the state reduction of the prepaid card described in
State when expense request does not occur, and generate transaction-declined message and send to the transaction terminal.
And for implementation two, because prepaid card systems are to have deducted the remaining sum of prepaid card, do not deduct
Spending amount, therefore what is actually recorded is the transaction of a failure, therefore work as network payment platform from bank
When card is withheld successfully, then also need to notify prepaid card systems to carry out corresponding stateful transaction renewal, if withheld
Failure, that is, receive failed message of withholing, be then also required to the failed message of withholing being forwarded to the prepayment
Card system, so that the state reduction of the prepaid card does not occur the prepaid card systems to the consumer requests
When state, and generation transaction-declined message and send to the transaction terminal.
In summary, implementation one is more simple in realization in actual applications compared to implementation two
Just, it is ensured that the integrality of transaction, it is possible to increase trading efficiency.
Mode two, prepaid card is not withholdd, directly deduct spending amount from bank card
For example, the spending amount in consumer requests is 100 yuan, and the remaining sum of prepaid card only has 60 yuan,
Then in this approach, it is that 100 yuan are deducted directly from bank card, so as to complete to merchandise.
Under which, prepaid card systems directly generate a consumption processing response message, wherein including a generation
Button instruction, described to withhold instruction can withhold the amount of money, and the amount of money that withholds is equal to spending amount, can also
Indicate a prompting message.When it is to withhold the amount of money to withhold instruction, then network payment platform was received comprising generation
After detaining amount of money consumption processing response message, deducted from the bank card of prepaid card binding and withhold the amount of money；When withholding
During instruction one prompting message of instruction, then the network payment platform then spending amount in consumer requests, from
Deduct to withhold the amount of money and withhold the amount of money in the bank card of prepaid card binding and be equal to spending amount.
In above-mentioned steps 304, for two kinds of prepaid card remaining sum processing modes in above-mentioned steps 303, no
Pipe is any, can all send consumption processing response message and give network payment platform, and consume processing response
Message is divided into following three kinds：
The first：Consumption processing response message is consumption success message
Now, under the situation, the remaining sum of prepaid card is greater than or equal to spending amount, therefore without using
Bank card is withheld, thus it is not include to withhold instruction to consume in processing response message, then network payment is put down
Platform directly generates the second transaction successful message according to the consumption success message and sent to the transaction terminal.
Second：Consumption processing response message is consumption failed message
Now, under the situation, the remaining sum of prepaid card is less than spending amount, it is therefore desirable to uses bank card
Withheld, now consumption processing response message is that certain carry withholds instruction.
For the mode one in above-mentioned steps 303 (remaining sum is deducted from prepaid card, is deducted from bank card
Withhold the amount of money), then the amount of money is withheld more than or equal to spending amount and the difference of the remaining sum of prepaid card；And for
Mode two in above-mentioned steps 303 (is not withholdd to prepaid card, directly deducts consumption gold from bank card
Volume), then if withholding instruction and being to withhold the amount of money, then withhold the amount of money and be equal to the spending amount, certainly
If it is a prompting message to withhold instruction, network payment platform will be also by the consumption in consumer requests
The amount of money is used as and withholds the amount of money.
Therefore, if the network payment platform, which determines that the consumption processing response message includes, withholds instruction,
Then ask to deduct from the bank card of prepaid card binding to third-party payment system and withhold the amount of money, the bag
It is that the prepaid card systems are less than in the remaining sum of the prepaid card to handle response message containing the consumption for withholding instruction
Sent during the spending amount.
In above-mentioned steps 305, if the network payment platform receives success message of withholing, is generated
One transaction successful message is simultaneously sent to the transaction terminal.
If the network payment platform receives failed message of withholing, for several sides of above-mentioned prepaid card processing
Formula, then there are following several processing modes：
For the mode one in above-mentioned steps 303 (remaining sum is deducted from prepaid card, is deducted from bank card
Withhold the amount of money), then the failed message of withholing is forwarded to the prepaid card systems by network payment platform, with
State when making the prepaid card systems state reduction of the prepaid card to the consumer requests not occur,
And generate transaction-declined message and send to the transaction terminal.
(prepaid card is not withholdd, directly from bank's buckle for the mode two in above-mentioned steps 303
Except spending amount), because prepaid card does not do any operation, then directly generate transaction-declined message and send
To the transaction terminal.
In addition, in actual applications, the security used for increase prepaid card, prepaid card can also be set
Password, if prepaid card includes password, user is also included in the consumer requests that transaction terminal is sent
The password of the prepaid card of input, then after above-mentioned steps 301, before step 302, in addition to：
The prepaid card systems determine the password of the prepaid card of user's input and the prepaid card system
The password of the prepaid card stored in system is identical.
Only password is identical, could carry out subsequent operation, so as to ensure that security during prepaid card use.
Method provided in an embodiment of the present invention, the consumer requests that network payment platform sends transaction terminal forward
To prepaid card systems, so as to the card number of prepaid card of the prepaid card systems in the consumer requests and disappear
Take the amount of money, generation consumption processing response message is simultaneously sent to the network payment platform；The network payment is put down
Platform is asked from institute when it is determined that the consumption processing response message is comprising instruction is withheld to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money, it is described to disappear comprising the consumption processing response for withholding instruction
Breath is that the prepaid card systems are sent when the remaining sum of the prepaid card is less than the spending amount；It is if described
Network payment platform receives success message of withholing, then generates the first transaction successful message and send to the friendship
Easy terminal.This method has increased network payment platform newly under existing Payment System, for sentencing when prepaid card systems
Disconnected prepaid card is tied up by network payment platform by third-party payment system from the prepaid card when Sorry, your ticket has not enough value
Withheld in fixed bank card, it is achieved thereby that the unlimited remaining sum of prepaid card is paid so that the success of transaction
Rate greatly improves, and improves Consumer's Experience, while need not increase the platform of supplementing with money under line or on line, saves
Manpower and resource.
The flow for filling chucking method in the embodiment of the present invention is introduced with reference to instantiation.
For the processing mode one of prepaid card systems (remaining sum is deducted from prepaid card, is deducted from bank card
Withhold the amount of money), detailed description is given below, as shown in figure 4, being one kind provided in an embodiment of the present invention
Prepaid card method of payment flow chart, including：
The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by step 401, network payment platform,
The card number and spending amount of prepaid card are included in the consumer requests；
Step 402, the prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card,
And the remaining sum according to the prepaid card and the spending amount, judge whether the remaining sum of the prepaid card is less than institute
State spending amount；
If step 403, the prepaid card systems determine that the remaining sum of prepaid card is less than spending amount, according to institute
The remaining sum for withholding the amount of money increase prepaid card is stated to meet consumer requests, the remaining sum of prepaid card is deducted into consumption
Generation comprising the consumption processing response message for withholding the amount of money and is sent to network payment platform after the amount of money, and
Using it is described withhold the amount of money as withhold instruction；
Step 404, the network payment platform are it is determined that the consumption processing response message includes and withholds instruction
When, deducted to third-party payment system request from the bank card of prepaid card binding and withhold the amount of money；
If step 405, the network payment platform receive success message of withholing, the transaction of generation first into
Work(information and sending is to the transaction terminal；
If step 406, the network payment platform receive failed message of withholing, withholdd described unsuccessfully
Message is forwarded to the prepaid card systems, so that the prepaid card systems arrive the state reduction of the prepaid card
The state when consumer requests do not occur, and generation transaction-declined message are forwarded to transaction terminal；
If the failure of withholing that step 407, the prepaid card systems receive the network payment platform forwarding disappears
Breath, the then state when state reduction of the prepaid card to the consumer requests is not occurred.
Method provided in an embodiment of the present invention, the consumer requests that network payment platform sends transaction terminal forward
To prepaid card systems, so as to the card number of prepaid card of the prepaid card systems in the consumer requests and disappear
Take the amount of money, generation consumption processing response message is simultaneously sent to the network payment platform；The network payment is put down
Platform is asked from institute when it is determined that the consumption processing response message is comprising instruction is withheld to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money, it is described to disappear comprising the consumption processing response for withholding instruction
Breath is that the prepaid card systems are sent when the remaining sum of the prepaid card is less than the spending amount；It is if described
Network payment platform receives success message of withholing, then generates the first transaction successful message and send to the friendship
Easy terminal.This method has increased network payment platform newly under existing Payment System, for sentencing when prepaid card systems
Disconnected prepaid card is tied up by network payment platform by third-party payment system from the prepaid card when Sorry, your ticket has not enough value
Withheld in fixed bank card, it is achieved thereby that the unlimited remaining sum of prepaid card is paid so that the success of transaction
Rate greatly improves, and improves Consumer's Experience, while need not increase the platform of supplementing with money under line or on line, saves
Manpower and resource.
(prepaid card is not withholdd, directly from bank's buckle for the processing mode two of prepaid card systems
Except spending amount), detailed description is given below, as shown in figure 5, being provided in an embodiment of the present invention one
Kind prepaid card method of payment flow chart, including：
The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by step 501, network payment platform,
The card number and spending amount of prepaid card are included in the consumer requests；
Step 502, the prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card,
And the remaining sum according to the prepaid card and the spending amount, judge whether the remaining sum of the prepaid card is less than institute
State spending amount；
If step 503, the prepaid card systems determine that the remaining sum of prepaid card is less than spending amount, generation bag
Response message is handled containing the consumption for withholding the amount of money and is sent to network payment platform, and the amount of money that withholds is made
To withhold instruction, the amount of money that withholds is equal to spending amount；
Step 504, the network payment platform are it is determined that the consumption processing response message includes and withholds instruction
When, deducted to third-party payment system request from the bank card of prepaid card binding and withhold the amount of money；
If step 505, the network payment platform receive success message of withholing, the transaction of generation first into
Work(information and sending is to the transaction terminal；
If step 506, the network payment platform receive failed message of withholing, generation Fail Transaction disappears
Breath is forwarded to transaction terminal.
Method provided in an embodiment of the present invention, the consumer requests that network payment platform sends transaction terminal forward
To prepaid card systems, so as to the card number of prepaid card of the prepaid card systems in the consumer requests and disappear
Take the amount of money, generation consumption processing response message is simultaneously sent to the network payment platform；The network payment is put down
Platform is asked from institute when it is determined that the consumption processing response message is comprising instruction is withheld to third-party payment system
State to deduct in the bank card of prepaid card binding and withhold the amount of money, it is described to disappear comprising the consumption processing response for withholding instruction
Breath is that the prepaid card systems are sent when the remaining sum of the prepaid card is less than the spending amount；It is if described
Network payment platform receives success message of withholing, then generates the first transaction successful message and send to the friendship
Easy terminal.This method has increased network payment platform newly under existing Payment System, for sentencing when prepaid card systems
Disconnected prepaid card is tied up by network payment platform by third-party payment system from the prepaid card when Sorry, your ticket has not enough value
Withheld in fixed bank card, it is achieved thereby that the unlimited remaining sum of prepaid card is paid so that the success of transaction
Rate greatly improves, and improves Consumer's Experience, while need not increase the platform of supplementing with money under line or on line, saves
Manpower and resource.
For above method flow, the embodiment of the present invention also provides a kind of network payment platform and prepaid card system
System.
As shown in fig. 6, be a kind of network payment platform structure schematic diagram provided in an embodiment of the present invention, including：
Retransmission unit 601, the consumer requests for transaction terminal to be sent are forwarded to prepaid card systems, so that
The card number and spending amount of prepaid card of the prepaid card systems in the consumer requests, generate at consumption
Reason response message is simultaneously sent to network payment platform；If receiving success message of withholing, the transaction of generation first
Success message is simultaneously sent to the transaction terminal；
Unit 602 is withheld, for it is determined that the consumption processing response message is included when withholding instruction, to the
The request of tripartite's payment system is deducted from the bank card of prepaid card binding withholds the amount of money, and described include withholds
The consumption processing response message of instruction is that the prepaid card systems are less than described disappear in the remaining sum of the prepaid card
Take what is sent during the amount of money.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；
Described comprising the consumption processing response message of instruction is withheld is the prepaid card systems in the prepaid card
Remaining sum when being less than the spending amount, increase the remaining sum of the prepaid card according to the amount of money that withholds to meet
Sent after the consumer requests.
Alternatively, the retransmission unit 601 is additionally operable to：If receiving failed message of withholing, by the button
Money failed message is forwarded to the prepaid card systems, so that the prepaid card systems are by the state of the prepaid card
Revert to the state when consumer requests do not occur.
Alternatively, the amount of money that withholds is equal to the spending amount；The retransmission unit 601 is additionally operable to：If
Failed message of withholing is received, then generates transaction-declined message and sends to the transaction terminal.
Alternatively, the consumption processing response message is consumption success message, in the consumption success message not
Instruction is withheld comprising described；The retransmission unit 601 is additionally operable to：According to the consumption success message generation the
Two transaction successful messages are simultaneously sent to the transaction terminal.
As shown in fig. 7, be a kind of prepaid card systems structural representation provided in an embodiment of the present invention, including：
Receiving unit 701, for receiving the consumer requests of network payment platform forwarding, in the consumer requests
Card number and spending amount comprising prepaid card；
Determining unit 702, for determining the remaining sum of the prepaid card, and root according to the card number of the prepaid card
Remaining sum and the spending amount according to the prepaid card, judge whether the remaining sum of the prepaid card is less than described disappear
Take the amount of money；
Generation unit 703, for if it is determined that the remaining sum of the prepaid card is less than the spending amount, then generating
Response message is handled comprising the consumption for withholding instruction；
Transmitting element 704, the network payment platform is sent to for the consumption to be handled into response message,
So that the network payment platform handles response message to third party according to described comprising the consumption for withholding instruction
Payment system request is deducted from the bank card of prepaid card binding withholds the amount of money.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is more than or equal to described disappear
Take the amount of money and the difference of the remaining sum of the prepaid card；The generation unit 703, is specifically used for：
Increase the remaining sum of the prepaid card according to the amount of money that withholds to meet the consumer requests；
The remaining sum of the prepaid card is deducted into the spending amount；
Generation is described to include the consumption processing response message for withholding the amount of money.
Alternatively, the prepaid card systems also include reduction unit 705, if for receiving the network branch
The failed message of withholing of platform forwarding is paid, then is not sent out the state reduction of the prepaid card to the consumer requests
State when raw.
Alternatively, it is described withhold be designated as it is described withhold the amount of money, the amount of money that withholds is the spending amount；
The generation unit 703, is additionally operable to：Consumption processing response message of the generation comprising the spending amount.
Alternatively, the password of the prepaid card of the consumer requests also comprising user's input；The prepaid card
System also includes cryptographic check unit 706, for determining the prepaid card according to the card number of the prepaid card
Remaining sum before, determine the password of the prepaid card of user input with being stored in the prepaid card systems
The prepaid card password it is identical.
The consumer requests that transaction terminal is sent are forwarded to prepaid card system by the embodiment of the present invention, network payment platform
System, so that the card number and spending amount of prepaid card of the prepaid card systems in the consumer requests, raw
Into consumption processing response message and it is sent to the network payment platform；The network payment platform is it is determined that institute
Consumption processing response message is stated comprising when withholding instruction, asks to tie up from the prepaid card to third-party payment system
Deducted in fixed bank card and withhold the amount of money, described comprising the consumption processing response message of instruction is withheld is described pre-
Pay what card system was sent when the remaining sum of the prepaid card is less than the spending amount；If the network payment is put down
Platform receives success message of withholing, then generates the first transaction successful message and send to the transaction terminal.This
Inventive embodiments have increased network payment platform newly under existing Payment System, for judging in advance when prepaid card systems
Card is paid when Sorry, your ticket has not enough value, is bound by network payment platform by third-party payment system from the prepaid card
Withheld in bank card, it is achieved thereby that the unlimited remaining sum of prepaid card is paid so that the success rate of transaction is big
It is big to improve, Consumer's Experience is improved, while need not increase and supplement platform with money under line or on line, save manpower
And resource.
The present invention is produced with reference to method according to embodiments of the present invention, equipment (system) and computer program
The flow chart and/or block diagram of product describes.It should be understood that can by computer program instructions implementation process figure and
/ or each flow in block diagram and/or square frame and flow in flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to all-purpose computer, special-purpose computer, insertion
Formula processor or the processor of other programmable data processing devices are to produce a machine so that pass through calculating
The instruction of the computing device of machine or other programmable data processing devices is produced for realizing in flow chart one
The device for the function of being specified in individual flow or multiple flows and/or one square frame of block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable datas to handle and set
In the standby computer-readable memory to work in a specific way so that be stored in the computer-readable memory
Instruction produce and include the manufacture of command device, command device realization is in one flow or multiple of flow chart
The function of being specified in one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices, made
Obtain and series of operation steps is performed on computer or other programmable devices to produce computer implemented place
Reason, so as to which the instruction that is performed on computer or other programmable devices is provided for realizing in flow chart one
The step of function of being specified in flow or multiple flows and/or one square frame of block diagram or multiple square frames.
Although preferred embodiments of the present invention have been described, but those skilled in the art once know base
This creative concept, then other change and modification can be made to these embodiments.So appended right will
Ask and be intended to be construed to include preferred embodiment and fall into having altered and changing for the scope of the invention.
Obviously, those skilled in the art can carry out various changes and modification without departing from this hair to the present invention
Bright spirit and scope.So, if the present invention these modifications and variations belong to the claims in the present invention and
Within the scope of its equivalent technologies, then the present invention is also intended to comprising including these changes and modification.
Claims (20)
- A kind of 1. prepaid card method of payment, it is characterised in that including：The consumer requests that transaction terminal is sent are forwarded to prepaid card systems by network payment platform, so that described pre- Pay the card number and spending amount of prepaid card of the card system in the consumer requests, generation consumption processing response Information and sending gives the network payment platform；The network payment platform is it is determined that the consumption processing response message is included when withholding instruction, to the 3rd Square payment system request is deducted from the bank card of prepaid card binding withholds the amount of money, and described include withholds finger The consumption processing response message shown is that the prepaid card systems are less than the consumption in the remaining sum of the prepaid card Sent during the amount of money；If the network payment platform receives success message of withholing, it is concurrent to generate the first transaction successful message Deliver to the transaction terminal.
- 2. the method as described in claim 1, it is characterised in that described withhold is designated as described withholding gold Volume, the amount of money that withholds is more than or equal to the spending amount and the difference of the remaining sum of the prepaid card；Described comprising the consumption processing response message of instruction is withheld is the prepaid card systems in the prepaid card Remaining sum when being less than the spending amount, increase the remaining sum of the prepaid card according to the amount of money that withholds to meet Sent after the consumer requests.
- 3. the method as described in claim 1, it is characterised in that if the network payment platform receives Withhold failed message, then the failed message of withholing is forwarded to the prepaid card systems, so that the prepayment The state when state reduction of the prepaid card to the consumer requests does not occur card system.
- 4. the method as described in claim 1, it is characterised in that the amount of money that withholds is equal to the consumption The amount of money；If the network payment platform receives failed message of withholing, generate transaction-declined message and send extremely The transaction terminal.
- 5. such as the method any one of claim 1-4, it is characterised in that the consumption processing rings Message is answered to withhold instruction not comprising described in the consumption success message for consumption success message；The network payment platform generates the second transaction successful message according to the consumption success message and sent To the transaction terminal.
- A kind of 6. prepaid card method of payment, it is characterised in that including：Prepaid card systems receive the consumer requests of network payment platform forwarding, and prepayment is included in the consumer requests The card number and spending amount of card；The prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card, and according to institute The remaining sum of prepaid card and the spending amount are stated, judges whether the remaining sum of the prepaid card is less than the consumption gold Volume；If the prepaid card systems determine that the remaining sum of the prepaid card is less than the spending amount, generation includes Withhold the consumption processing response message of instruction and be sent to the network payment platform, so that the network payment Platform is asked from institute according to described comprising the consumption processing response message for withholding instruction to third-party payment system State to deduct in the bank card of prepaid card binding and withhold the amount of money.
- 7. method as claimed in claim 6, it is characterised in that described withhold is designated as described withholding gold Volume, the amount of money that withholds is more than or equal to the spending amount and the difference of the remaining sum of the prepaid card；It is described Prepaid card systems generation includes the consumption processing response message for withholding instruction, including：The prepaid card systems increase the remaining sum of the prepaid card to meet described disappear according to the amount of money that withholds Take request；The remaining sum of the prepaid card is deducted the spending amount by the prepaid card systems；The prepaid card systems generation is described to include the consumption processing response message for withholding the amount of money.
- 8. method as claimed in claim 7, it is characterised in that the prepaid card systems generation includes generation The consumption processing response message of button instruction is simultaneously sent to after the network payment platform, in addition to：If the prepaid card systems receive the failed message of withholing of the network payment platform forwarding, by institute State the state reduction of prepaid card to the consumer requests do not occur when state.
- 9. method as claimed in claim 6, it is characterised in that described withhold is designated as described withholding gold Volume, the amount of money that withholds is the spending amount；The prepaid card systems generation includes the consumption processing response message for withholding instruction, including：Consumption processing response message of the prepaid card systems generation comprising the spending amount.
- 10. such as the method any one of claim 6-9, it is characterised in that the consumer requests are also The password of the prepaid card comprising user's input；Before the prepaid card systems determine the remaining sum of the prepaid card according to the card number of the prepaid card, also wrap Include：The prepaid card systems determine the password of the prepaid card of user's input and the prepaid card system The password of the prepaid card stored in system is identical.
- A kind of 11. network payment platform, it is characterised in that including：Retransmission unit, the consumer requests for transaction terminal to be sent are forwarded to prepaid card systems, so that described The card number and spending amount of prepaid card of the prepaid card systems in the consumer requests, generation consumption processing ring Information and sending is answered to give network payment platform；If receiving success message of withholing, generation first is merchandised successfully Information and sending is to the transaction terminal；Unit is withheld, for it is determined that the consumption processing response message is included when withholding instruction, to third party Payment system request is deducted from the bank card of prepaid card binding withholds the amount of money, and described include withholds instruction Consumption processing response message to be the prepaid card systems be less than the consumption gold in the remaining sum of the prepaid card Sent during volume.
- 12. network payment platform as claimed in claim 11, it is characterised in that described withhold is designated as Described to withhold the amount of money, the amount of money that withholds is more than or equal to the spending amount and the remaining sum of the prepaid card Difference；Described comprising the consumption processing response message of instruction is withheld is the prepaid card systems in the prepaid card Remaining sum when being less than the spending amount, increase the remaining sum of the prepaid card according to the amount of money that withholds to meet Sent after the consumer requests.
- 13. network payment platform as claimed in claim 11, it is characterised in that the retransmission unit is also For：If receiving failed message of withholing, the failed message of withholing is forwarded to the prepaid card systems, So that the shape when state reduction of the prepaid card to the consumer requests does not occur the prepaid card systems State.
- 14. network payment platform as claimed in claim 11, it is characterised in that described to withhold amount of money etc. In the spending amount；The retransmission unit is additionally operable to：If receiving failed message of withholing, generation transaction-declined message is concurrent Deliver to the transaction terminal.
- 15. the network payment platform as any one of claim 11-14, it is characterised in that described Processing response message is consumed as consumption success message, finger is withheld not comprising described in the consumption success message Show；The retransmission unit is additionally operable to：It is concurrent that second transaction successful message is generated according to the consumption success message Deliver to the transaction terminal.
- A kind of 16. prepaid card systems, it is characterised in that including：Receiving unit, for receiving the consumer requests of network payment platform forwarding, included in the consumer requests The card number and spending amount of prepaid card；Determining unit, for determining the remaining sum of the prepaid card according to the card number of the prepaid card, and according to institute The remaining sum of prepaid card and the spending amount are stated, judges whether the remaining sum of the prepaid card is less than the consumption gold Volume；Generation unit, for if it is determined that the remaining sum of the prepaid card is less than the spending amount, then generation to include Withhold the consumption processing response message of instruction；Transmitting element, the network payment platform is sent to for the consumption to be handled into response message, so that The network payment platform handles response message to Third-party payment according to described comprising the consumption for withholding instruction Deducted in the bank card that system request is bound from the prepaid card and withhold the amount of money.
- 17. prepaid card systems as claimed in claim 16, it is characterised in that described withhold is designated as institute State and withhold the amount of money, the amount of money that withholds is more than or equal to the spending amount and the difference of the remaining sum of the prepaid card Value；The generation unit, is specifically used for：Increase the remaining sum of the prepaid card according to the amount of money that withholds to meet the consumer requests；The remaining sum of the prepaid card is deducted into the spending amount；Generation is described to include the consumption processing response message for withholding the amount of money.
- 18. prepaid card systems as claimed in claim 17, it is characterised in that the prepaid card systems are also Comprising reduction unit, if the failed message of withholing for receiving the network payment platform forwarding, by institute State the state reduction of prepaid card to the consumer requests do not occur when state.
- 19. prepaid card systems as claimed in claim 16, it is characterised in that described withhold is designated as institute State and withhold the amount of money, the amount of money that withholds is the spending amount；The generation unit, is additionally operable to：Consumption processing response message of the generation comprising the spending amount.
- 20. such as the prepaid card systems any one of claim 16-19, it is characterised in that described to disappear Take the password of the prepaid card of the request also comprising user's input；The prepaid card systems also include cryptographic check unit, for being determined according to the card number of the prepaid card Before the remaining sum of the prepaid card, the password of the prepaid card of user's input and the prepaid card are determined The password of the prepaid card stored in system is identical.
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| CN201610315943.2A CN107369014A (en) | 2016-05-12 | 2016-05-12 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
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| CN201610315943.2A CN107369014A (en) | 2016-05-12 | 2016-05-12 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108305169A (en) * | 2018-02-28 | 2018-07-20 | 易百信息技术（上海）股份有限公司 | Prepaid card transactions data save method and device |
| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
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| CN111192034A (en) * | 2019-11-19 | 2020-05-22 | 泰康保险集团股份有限公司 | Method and device for processing service request data |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108305169A (en) * | 2018-02-28 | 2018-07-20 | 易百信息技术（上海）股份有限公司 | Prepaid card transactions data save method and device |
| CN108305169B (en) * | 2018-02-28 | 2022-05-20 | 易百信息技术（上海）股份有限公司 | Prepaid card transaction data storage method and device |
| CN109583866A (en) * | 2018-10-29 | 2019-04-05 | 平安科技（深圳）有限公司 | Method, apparatus, computer equipment and the storage medium of cross-region payment |
| CN109493028A (en) * | 2018-11-20 | 2019-03-19 | 北京千丁互联科技有限公司 | A kind of method of payment and device |
| CN109784907A (en) * | 2018-11-29 | 2019-05-21 | 四川商通实业有限公司 | A kind of combined payment method and its system |
| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
| CN109784903A (en) * | 2018-12-19 | 2019-05-21 | 四川商通实业有限公司 | Orientation method of payment and its system based on prepaid card |
| CN111192034A (en) * | 2019-11-19 | 2020-05-22 | 泰康保险集团股份有限公司 | Method and device for processing service request data |
| CN111192034B (en) * | 2019-11-19 | 2023-04-07 | 泰康保险集团股份有限公司 | Method and device for processing service request data |
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