CN117422458A - Use method, payment platform and system of prepaid card based on digital currency - Google Patents

Abstract

The invention discloses a use method, a payment platform and a system of a prepaid card based on digital currency, and relates to the technical field of computers. One embodiment of the method comprises the following steps: receiving a use request of the prepaid card, the use request indicating a prepaid card identification and a use amount; determining a target prepaid card corresponding to the prepaid card identification based on the usage request, the target prepaid card comprising: currency attributes and prepaid card attributes, the currency attributes including: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider; the first available balance and/or the second available balance in the target prepaid card is updated in response to the use request based on the use amount. The embodiment effectively monitors and manages the prepaid card transaction, can effectively ensure the rights and interests of users, and does not need to additionally increase the maintenance cost of merchants.

Description

Use method, payment platform and system of prepaid card based on digital currency

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method for using a prepaid card based on digital currency, a payment platform, and a system.

Background

Prepaid cards have become increasingly widely used in everyday life as service providers (e.g., online sellers and offline merchants, etc.) to provide prepaid vouchers for users for specific goods or services.

In the existing prepaid card usage scenario, the money prepaid by the user is directly stored in the prepaid card, and the service provider can make other transactions (such as cash withdrawal and transfer) using the money in the prepaid card, which may lead to the money prepaid by the user being stolen in advance, even if the service provider only pays and does not provide service, which reduces the transaction security of the prepaid card, and it is difficult to secure the user's interests.

Disclosure of Invention

In view of the above, the embodiments of the present invention provide a method, a payment platform and a system for using a prepaid card based on digital currency, which bind the digital currency with the prepaid card attribute to form the prepaid card. When the prepaid card is used, a second available balance corresponding to the first available balance of the user and corresponding to the service provider in the prepaid card attribute is updated according to the use amount, so as to respond to the use request of the prepaid card. Therefore, the use condition of the digital currency in the prepaid card is limited by the programmable digital currency, the available balances corresponding to the users and the service provider respectively are defined by the attribute of the prepaid card, and the service provider can only conduct other transactions aiming at the corresponding available balances, so that the service provider is prevented from using the digital currency pre-paid by the users in advance, and the user interests are effectively ensured. Meanwhile, the use of the prepaid card is supervised and managed by an online paymate, so that prepaid card transactions can be effectively supervised and managed without additionally increasing maintenance costs of merchants.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of using a prepaid card based on digital money.

The use method of the prepaid card based on digital currency comprises the following steps: receiving a use request of the prepaid card, the use request indicating a prepaid card identification and a use amount;

determining a target prepaid card corresponding to the prepaid card identification according to the use request, wherein the target prepaid card comprises: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider;

updating the first available balance and/or the second available balance in the target prepaid card according to the use amount, and responding to the use request.

Optionally, the currency attribute further includes: a signature of an issuer of the first digital currency and/or an owner of the first digital currency;

optionally, the prepaid card attributes further include: a prepaid card type, a prepaid card account of the service provider, a prepaid card contract, and/or a contract identification of the prepaid card contract.

Optionally, before the receiving the request for use of the prepaid card, the method further includes:

receiving a prepaid card application request sent by the user through a first terminal, the prepaid card application request indicating a second digital currency for prepaid, a prepaid amount, and a prepaid card contract corresponding to the service provider;

generating the first digital currency according to the monetary value of the second digital currency and the prepaid amount;

a prepaid card is generated based on the first digital currency and the prepaid card contract.

Optionally, the generating a prepaid card according to the first digital currency and the prepaid card contract includes:

determining a prepaid card account corresponding to the service provider according to the prepaid card application request, and generating a prepaid card identifier;

and adding a field corresponding to the first available balance, a field corresponding to the second available balance, and a field corresponding to the prepaid card identifier, the prepaid card account, the contract identifier and/or the prepaid card contract in the first digital currency to generate the prepaid card.

Optionally, in the case that the monetary value of the second digital currency is greater than the prepaid amount, the generating the first digital currency according to the monetary value of the second digital currency and the prepaid amount includes:

Logging off the second digital currency and generating the first digital currency and a third digital currency; wherein the monetary value of the first digital currency is equal to the prepaid amount and the monetary value of the third digital currency is equal to the difference between the monetary value of the second digital currency and the prepaid amount.

Optionally, the method further comprises:

and sending the third digital currency to the first terminal.

Optionally, in a case where the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is single, the generating the first digital currency from the monetary value of the second digital currency and the prepaid amount includes: taking the second digital currency as the first digital currency;

optionally, in a case where the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is plural, the generating the first digital currency from the monetary value of the second digital currency and the prepaid amount includes: registering a plurality of said second digital currency and generating said first digital currency in accordance with said prepaid amount.

Optionally, the determining the prepaid card account corresponding to the service provider includes:

Taking a digital currency account of the service provider indicated in the prepaid card application request as the prepaid card account;

optionally, a prepaid card account bound by the prepaid card contract is queried, and the prepaid card account is determined according to the query result.

Optionally, before the receiving the prepaid card application request sent by the user through the first terminal, the method further includes:

receiving a prepaid card record request sent by the service provider through a second terminal, wherein the prepaid card record request indicates a prepaid card template selected by the service provider and record parameters corresponding to the service provider;

determining a prepaid card account corresponding to the service provider according to the prepaid card record request;

generating a prepaid card contract according to the prepaid card template and the record parameters, and binding the prepaid card contract with the prepaid card account;

and transmitting the contract identification of the prepaid card contract and the prepaid card account after binding to the second terminal.

Optionally, the prepaid card proposal request further indicates a digital currency account selected by the service provider; the determining the prepaid card account corresponding to the service provider includes:

The digital currency account selected by the service provider is taken as the prepaid card account.

Optionally, the prepaid card record request further indicates a prepaid card type;

generating the prepaid card contract according to the prepaid card type, the prepaid card template and the docketing parameters;

optionally, a contract identification of the prepaid card contract is generated based on the prepaid card type and the prepaid card contract.

Optionally, the method further comprises:

according to the prepaid card application request or the prepaid card record request, identity verification and parameter legitimacy verification are carried out;

and responding to the prepaid card application request or the prepaid card record request under the condition that verification is passed.

Optionally, in the case that the use request is sent by the user through the first terminal, and the use request further indicates a service type;

determining a target prepaid card type corresponding to the service type, and determining whether to execute a prepaid card contract corresponding to the target prepaid card according to the target prepaid card type;

and updating the first available balance and the second available balance in the target prepaid card according to the execution result and the use amount.

Optionally, determining to execute the prepaid card contract if the prepaid card contract contains the target prepaid card type and the target prepaid card type indicates an amount calculation parameter;

said updating a first available balance and a second available balance in said target prepaid card based on said execution result and said usage amount, comprising:

determining the payment amount according to the use amount and the amount calculation parameter;

and taking the difference between the first available balance and the current payment amount as an updated first available balance, and taking the sum of the second available balance and the current payment amount as an updated second available balance.

Optionally, in the case where the use request is sent by the service provider through the second terminal and the use request further indicates a receiving account;

said updating a second available balance in said target prepaid card in response to said usage request based on said usage amount, comprising:

determining whether the second available balance is not less than the use amount, if so, executing A1 or A2 according to the type of the receiving account, and executing A3:

a1: generating a fourth digital currency having a monetary value equal to the amount of use, and transferring the fourth digital currency to the receiving account;

A2: increasing the balance of the receiving account according to the use amount;

a3: and taking the difference between the second available balance and the use amount as an updated second available balance.

Optionally, after the generating the prepaid card according to the first digital currency and the prepaid card contract, the method further includes:

receiving a recharging request sent by the user through a first terminal, wherein the recharging request indicates a prepaid card identifier of a prepaid card, fifth digital currency for recharging and a recharging amount;

determining a target prepaid card corresponding to the prepaid card identifier according to the recharging request;

logging off the fifth digital currency, and generating new first digital currency according to the fifth digital currency, the recharging amount and the monetary value of the first digital currency corresponding to the target prepaid card;

updating the first available balance according to the recharge amount and the first available balance in the target prepaid card;

and logging off the target prepaid card, and generating a new target prepaid card according to the updated first available balance and the first digital currency.

Optionally, in the case that the monetary value of the fifth digital currency is greater than the recharge amount, the method further includes:

Generating a sixth digital currency and transmitting the sixth digital currency to the first terminal; the monetary value of the sixth digital currency is equal to the difference between the monetary value of the fifth digital currency and the refill amount.

Optionally, the method further comprises:

receiving a cancellation request of the prepaid card, the cancellation request indicating prepaid card identification and identity information;

carrying out identity verification on the initiator of the cancellation request according to the identity information;

determining the target prepaid card according to the prepaid card identifier under the condition that verification is passed;

in response to receiving the signature information for the target prepaid card, the target prepaid card is unregistered and digital currency of the user and/or digital currency of the service provider is generated based on the first available balance and the second available balance in the target prepaid card, respectively.

Optionally, in the case that the currency attribute further includes an owner of the first digital currency, in the case that the first available balance is zero and the second available balance is equal to a monetary value of the first digital currency, changing the owner of the first digital currency in the target prepaid card to the service provider and deleting the prepaid card attribute in the target prepaid card to take the first digital currency as the digital currency of the service provider;

Optionally, in a case where the second available balance is zero and the first available balance is equal to a monetary value of the first digital currency, the prepaid card attribute in the target prepaid card is deleted to take the first digital currency as the digital currency of the user.

Optionally, the method further comprises:

and recording a processing log corresponding to the target prepaid card, and storing the processing log into a blockchain.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a paymate using a prepaid card based on digital money.

A paymate using a prepaid card based on digital currency according to an embodiment of the present invention includes: the device comprises a request receiving module, a determining module and a processing module; wherein,

the request receiving module is used for receiving a use request of the prepaid card, wherein the use request indicates a prepaid card identifier and a use amount;

the determining module is configured to determine, according to the usage request, a target prepaid card corresponding to the prepaid card identifier, where the target prepaid card includes: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider;

The processing module is used for updating the first available balance and/or the second available balance in the target prepaid card according to the use amount so as to respond to the use request.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a prepaid card usage system based on digital money.

A prepaid card using system based on digital currency according to an embodiment of the present invention includes: the payment platform, the first terminal corresponding to the user and the second terminal corresponding to the service provider provided in the second aspect; wherein,

the first terminal is used for sending a use request of the prepaid card to the payment platform, wherein the use request indicates a prepaid card identifier and a use amount;

the payment platform is further used for sending a response result of the use request to the first terminal and the second terminal.

Optionally, the response result includes a usage record;

the first terminal and/or the second terminal are/is used for receiving a query request, and querying a usage record of a target prepaid card corresponding to the prepaid card identifier according to the prepaid card identifier carried by the query request.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a server using a prepaid card based on digital money.

A server using a prepaid card based on digital money according to an embodiment of the present invention includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the use method of the prepaid card based on digital currency.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a computer-readable storage medium.

A computer-readable storage medium of an embodiment of the present invention has stored thereon a computer program which, when executed by a processor, implements a method of using a prepaid card based on digital money of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: binding it with prepaid card attributes based on the monetary attributes of the digital currency to form a prepaid card. When the prepaid card is used, a second available balance corresponding to the first available balance of the user and corresponding to the service provider in the prepaid card attribute is updated according to the use amount, so as to respond to the use request of the prepaid card. Therefore, the use condition of the digital currency in the prepaid card is limited by the programmable digital currency, the available balances corresponding to the users and the service provider respectively are defined by the attribute of the prepaid card, and the service provider can only conduct other transactions aiming at the corresponding available balances, so that the service provider is prevented from using the digital currency pre-paid by the users in advance, and the user interests are effectively ensured. Meanwhile, the use of the prepaid card is supervised and managed by an online paymate, so that prepaid card transactions can be effectively supervised and managed without additionally increasing maintenance costs of merchants.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main steps of a method of using a digital currency based prepaid card according to an embodiment of the present invention;

fig. 2 is a schematic diagram of the main steps of a method for filing a prepaid card according to an embodiment of the present invention;

fig. 3 is a schematic diagram of main steps of a method of applying for a prepaid card according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the major modules of a paymate using a prepaid card based on digital currency in accordance with an embodiment of the present invention;

FIG. 5 is a schematic diagram of the major modules of a payment system using a digital currency based prepaid card in accordance with an embodiment of the present invention;

FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments of the present invention and the technical features in the embodiments may be combined with each other without collision.

Fig. 1 is a schematic diagram of the main steps of a method for using a prepaid card based on digital money according to an embodiment of the present invention.

As shown in fig. 1, when the method for using a prepaid card based on digital currency according to an embodiment of the present invention is applied to a payment platform, the method mainly includes the following steps S101 to S103:

as shown in fig. 1, when the method for using a prepaid card based on digital currency according to an embodiment of the present invention is applied to a payment platform, the method mainly includes the following steps S101 to S103:

step S101: a request for use of the prepaid card is received, the request for use indicating a prepaid card identification and a use amount.

Step S102: determining a target prepaid card corresponding to the prepaid card identification according to the use request, wherein the target prepaid card comprises: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider.

Step S103: updating the first available balance and/or the second available balance in the target prepaid card according to the use amount, and responding to the use request.

It will be appreciated that prior to step S101, the paymate has generated a prepaid card based on digital currency, upon request of the service provider and the user. Specifically, when the prepaid card is generated, the service provider needs to record the prepaid card, and after recording, the service provider can obtain the contract identification and the prepaid card account of the corresponding prepaid card contract, so that the user can apply for the prepaid card corresponding to the service provider according to the contract identification. The user and the service provider can interact with the payment platform through the first terminal and the second terminal respectively.

In one embodiment of the present invention, as shown in fig. 2, when the service provider records the prepaid card, the steps corresponding to the payment platform may include:

step S201: and receiving a prepaid card record request sent by the service provider through the second terminal, wherein the prepaid card record request indicates a prepaid card template selected by the service provider and record parameters corresponding to the service provider.

Here, the service provider (e.g., merchant) may select a prepaid card template provided by a payment platform of digital currency at a prepaid card proposal page of a second terminal (e.g., digital currency terminal), and fill out a proposal parameter corresponding to the prepaid card, where the proposal parameter may include identity information of the merchant, such as a name of the merchant, an organization code, etc., and may further include activity information provided by the merchant for the proposed prepaid card, such as discount information corresponding to different time periods, discount information corresponding to different services, etc.

Step S202: and determining a prepaid card account corresponding to the service provider according to the prepaid card record request.

After receiving the prepaid card record request, the payment platform needs to perform identity verification and parameter validity verification according to the prepaid card record request, and after the identity verification and the parameter validity verification are passed, the payment platform responds to the prepaid card record request, that is, after the verification is passed, the prepaid card account corresponding to the service provider is determined. If the identity verification is not passed, indicating that the prepaid card record request is not sent by a service provider trusted by the payment platform; if the validity check of the parameters is not passed, the parameters sent by the service provider are not in accordance with the requirements, at the moment, the payment platform refuses the request of recording the prepaid card, and prompt information of recording failure can be sent to the second terminal.

Specifically, in the verification process, the payment platform can perform identity verification according to the identity information of the service provider included in the prepaid card record request, and the prepaid card record request can be signed and sent by the second terminal, so that the payment platform can perform identity verification by verifying the signature. After the identity verification is passed, the paymate further performs a parameter validity check, for example, in the case where the prepaid card record module includes discount information, the discount range should be a value between 0-100%, and then the paymate may perform the parameter validity check by verifying the data format (e.g., other formats such as a value format, not a character) and the value range of the discount information. Of course, the sequence of the above-mentioned identity verification and parameter validity verification may not be limited, that is, the above-mentioned identity verification may be performed first and then the parameter validity verification, or there may be other verification sequences, for example, the parameter validity verification may be performed first and then the identity verification may be performed, or the parameter validity verification and the identity verification may be performed simultaneously.

After the identity verification and the parameter validity verification are passed, the payment platform can respond to the prepaid card record request, and at the moment, the payment platform determines a prepaid card account corresponding to the service provider.

The paymate may determine the prepaid card account corresponding to the present record of the service provider by:

mode one: the service provider indicates the selected digital currency account in the prepaid card record request sent by the second terminal, that is, the service provider may select the digital currency account that can be used as the prepaid card account from the existing digital currency accounts, and then the payment platform may use the digital currency account indicated in the prepaid card record request as the prepaid card account of the record.

Mode two: after receiving the prepaid card record request, the payment platform inquires the digital currency addresses of the service provider in the operation mechanism according to the identity information of the service provider, and if a plurality of digital currency addresses are inquired, the payment platform selects one digital currency account as the prepaid card account of the record.

Mode three: the paymate generates a new prepaid card account for the service provider based on the prepaid card proposal request.

Step S203: and generating a prepaid card contract according to the prepaid card template and the recording parameters, and binding the prepaid card contract with the prepaid card account.

The paymate combines the prepaid card template and the docketing parameters, e.g., populates the docketing parameters into the prepaid card template to generate prepaid card contracts, and generates contract identifications of the prepaid card contracts, which are unique identifications of the prepaid card contracts at the time of docketing by the service provider. There are various ways of generating the contract identification, for example, generating the contract identification according to the type of the prepaid card, or obtaining a digest value of the prepaid card contract according to a hash algorithm, and using the obtained digest value as the contract identification. In summary, there may be a variety of ways to generate the contract identification, only to ensure that the generated contract identification is unique. In addition, the step of generating the prepaid card contract and the step of determining the prepaid card account may be performed indiscriminately.

In addition, the prepaid card proposal request may also indicate a prepaid card type that may characterize whether discount information is included in the prepaid card contract. When generating the prepaid card contract, the prepaid card type may be written into the prepaid card contract, i.e., the prepaid card contract is generated based on the prepaid card type, the prepaid card template, and the docketing parameters; instead of writing the prepaid card type into the prepaid card contract, the prepaid card type and the prepaid card contract may be bound, and then a contract identification of the prepaid card contract may be generated; there are various ways of generating the contract identification, for example, generating the contract identification according to the type of the prepaid card, or obtaining a digest value of the prepaid card contract according to a hash algorithm, and using the obtained digest value as the contract identification. In summary, there may be a variety of ways to generate the contract identification, only to ensure that the generated contract identification is unique.

In one embodiment of the present invention, in the case where the discount corresponding to the prepaid card type indicating service a is 80%, if the prepaid card type is written in the prepaid card contract, the current payment amount obtained after executing the prepaid card contract is 80 if the use amount is 100 when the prepaid card is used by the subsequent user, and the first available balance and the second available balance are updated according to 80 instead of 100 when the first available balance and the second available balance are updated. If the prepaid card type is not written into the prepaid card contract, the payment platform can determine the type of the prepaid card corresponding to the prepaid card according to the contract identification when the prepaid card is used by the later user, so as to obtain the payment amount according to the type of the prepaid card, and the prepaid card contract can not be executed in the process. Alternatively, the user may directly determine the corresponding prepaid card type based on the contract identification and input the discounted amount (80) as the usage amount without the paymate again calculating the current payment amount based on the prepaid card type, but only by directly updating the first available balance and the second available balance based on the usage amount.

Step S204: and transmitting the contract identification of the prepaid card contract and the prepaid card account after binding to the second terminal.

After the prepaid card contract and the prepaid card account are generated, the payment platform binds the prepaid card contract and the prepaid card account, binds the prepaid card account under the name of the service provider, and then sends the contract identification of the prepaid card contract and the bound prepaid card account to the second terminal, at this time, the payment platform finishes the recording of the prepaid card, and the service provider can also know that the payment platform has finished recording the prepaid card according to the contract identification and the prepaid card account received by the second terminal. The post-service provider may query the prepaid card contract details based on the contract identification or may query the list of all prepaid card contracts bound to the digital currency account based on the prepaid card account.

It will be appreciated that the multiple docketing process may take the same digital currency account as the prepaid card account during the separate docketing of different prepaid cards by the service provider. In other words, the same digital money account may bind different prepaid card contracts.

During the docketing process, the paymate may record a process log for docketing the prepaid card, which may include: the time of proposal, the identity of the service provider (e.g., merchant name), the prepaid card account, the contract identity of the prepaid card contract, the prepaid card type, the prepaid card template identity, the parameters of proposal, and the type of operation. In the processing log, the operation type is the record operation. The processing logs may then be further stored to the blockchain to ensure log authenticity for later querying. Of course, the paymate could also store the processing logs directly in its local or other database.

After the service provider finishes the filing of the prepaid card, the contract identification of the corresponding prepaid card contract may be provided to the user so that the user may apply for the prepaid card according to the contract identification. In one embodiment of the present invention, as shown in fig. 3, when a user applies for a prepaid card through a first terminal, the steps performed by the paymate may include:

step S301: and receiving a prepaid card application request sent by the user through the first terminal, wherein the prepaid card application request indicates second digital currency for prepaid, prepaid amount and prepaid card contracts corresponding to the service provider.

The service provider may initiate a prepaid card application request to the paymate by presenting the contract identification of the prepaid card contract and prepaid card contract details to the user so that the user makes a prepaid payment for the corresponding service through the first terminal (digital money terminal). In addition, the user can trigger the prepaid card application request by searching the name of the service provider or scanning the two-dimension code of the prepaid card issued by the service provider.

Step S302: generating the first digital currency according to the monetary value of the second digital currency and the prepaid amount.

The payment platform, after receiving the prepaid card application request, similarly to receiving the prepaid card record request, also performs identity verification and parameter validity verification, and after the verification is passed, responds to the prepaid card application request. The identity checksum parameter validity verification process is basically the same as the identity checksum parameter validity verification process after receiving the prepaid card record request, and is not described in detail herein.

In the event that the monetary value of the second digital currency provided by the user is equal to the prepaid amount, the paymate may generate the first digital currency in a different manner based on the amount of the second digital currency. In one embodiment of the present invention, in the case where the second digital currency is single, the paymate may directly use the second digital currency as the first digital currency corresponding to the prepaid card, and form the prepaid card by adding the prepaid card attribute to the second digital currency. In another embodiment of the present invention, in the case that the second digital money is plural, the paymate first logs off the plural second digital money, and then generates a first digital money according to the prepaid amount, and the generated first digital money has a monetary value equal to the prepaid amount.

In addition, in the case where the second digital currency provided by the user has a monetary value greater than the prepaid amount, the paymate needs to first log off the second digital currency and then generate a first digital currency having a monetary value equal to the prepaid amount and a third digital currency having a monetary value equal to the difference between the monetary value of the second digital currency and the prepaid amount. For example, in the case where the prepaid amount is 200, the second digital currency provided by the user has a monetary value of 280, then the paymate first deregisters the second digital currency having a monetary value of 280, and then generates a first digital currency having a monetary value of 200 and a third digital currency having a monetary value of 80.

It is worth mentioning that in case the user provides a plurality of second digital currencies, the term "the monetary value of the second digital currencies is larger than the prepaid amount" here means that the sum of the monetary values of the plurality of second digital currencies is larger than the prepaid amount. For example, the user provides two second digital currencies, each having a monetary value of 100 and 180, and the sum of the monetary values of the two second digital currencies is greater than the prepaid amount in the case of a prepaid amount of 200, and the paymate deregisters the second digital currency having monetary values of 100 and 180, respectively, and generates a first digital currency having monetary value of 200 and a third digital currency having monetary value of 80.

After the third digital currency is generated, the paymate returns the third digital currency to the first terminal so that the user may conduct other transactions in accordance with the third digital currency.

In addition, it will be appreciated that in the case where the monetary value of the second digital currency is less than the prepaid amount, the paymate refuses the prepaid card application request, and the paymate may then directly return a notification to the first terminal that the prepaid amount is insufficient.

Step S303: a prepaid card is generated based on the first digital currency and the prepaid card contract.

In one embodiment of the invention, the paymate may generate a prepaid card according to the following steps: determining a prepaid card account corresponding to the service provider according to the prepaid card application request, and generating a prepaid card identifier; and adding a field corresponding to the first available balance, a field corresponding to the second available balance, and a field corresponding to the prepaid card identifier, the prepaid card account, the contract identifier and/or the prepaid card contract in the first digital currency to generate the prepaid card.

In order to generate the prepaid card, the payment platform determines a prepaid card account corresponding to the service provider according to a prepaid card application request. For example, the user may indicate in the prepaid card application request a collection account, i.e., a prepaid card account corresponding to a prepaid card contract corresponding to the service provider, i.e., a digital currency account of the service provider. In this case, the paymate may directly take the digital currency account indicated in the prepaid card application request as the prepaid card account for the present prepaid card application. In addition, the user may not instruct the collection account in the prepaid card application request, but the payment platform queries the prepaid card account corresponding to the prepaid card contract indicated by the prepaid card application request according to the association relationship between the bound prepaid card contract and the prepaid card account, and determines the prepaid card account corresponding to the current prepaid card application according to the query result.

And then, the payment platform binds the determined prepaid card account with the first digital currency and the contract identifier and generates a prepaid card identifier, wherein the prepaid card identifier is the unique identifier of the prepaid card applied by the user according to the contract identifier. The method for generating the prepaid card identifier can be various similar to the method for generating the contract identifier, and only the generated prepaid card identifier is required to be unique. For example, the prepaid card identification may be generated as part of the prepaid card identification based on the contract identification of the prepaid card contract, or otherwise generated. In addition, the algorithms for generating the contract identification and the prepaid card identification may be the same or different.

The payment platform may then bind the prepaid card identifier with the prepaid card account of the service provider to represent the balance attribution of the first digital currency corresponding to the prepaid card currently in use, i.e., the first digital currency is simultaneously attributed to the user and the service provider, the first digital currency being represented by the user through the affiliated one of the currency attributes. Additionally, binding the prepaid card identification with the prepaid card account of the service provider may also facilitate the service provider's query for the available balance in the prepaid card account.

It will be appreciated that after the first digital currency is generated, the first digital currency is in a locked state, i.e., the user is no longer able to use the first digital currency for other transactions. The paymate then generates the prepaid card by adding fields corresponding to the first available balance, fields corresponding to the second available balance, and fields corresponding to the prepaid card identification, prepaid card account, contract identification, and/or prepaid card contract, respectively, to the locked first digital currency.

In addition to the above fields, the prepaid card also has a monetary attribute of digital currency, such as the monetary value of the first digital currency; in addition, the currency attributes may also include a signature of the owner of the first digital currency and/or the issuer of the first digital currency, which may be the digital currency account of the user, for example, in the case of a legal digital currency in which the digital currency is issued in a central row, the issuer signature is the central row signature. In addition, in the case where the docketing process includes a prepaid card type, the prepaid card attribute may include a field corresponding to the prepaid card type in addition to the above-described fields. In a preferred embodiment of the present invention, the structure of the prepaid card may be as shown in table 1 below, wherein the prepaid card ID is a prepaid card identifier, the prepaid card contract field may be replaced by a contract identifier to reduce the memory occupied by the prepaid card, the first available balance is a balance available to the user, and the second available balance is a balance available to the service provider, and in the case that the service provider does not make other transactions according to the second available balance, that is, in the case that the service provider does not transfer the second available balance to another account, the sum of the first available balance and the second available balance is equal to the monetary value, and is also equal to the prepaid amount indicated by the prepaid card application request. After the prepaid card is generated but before it is used, the first available balance is equal to the monetary value and the second available balance is 0.

TABLE 1

In one embodiment of the invention, the digital currency may be a legal digital currency issued by a commonly referred to central office. In the form, the digital currency is a character string with a currency attribute, and the prepaid card is generated by binding the attribute of the prepaid card with the currency attribute when the user applies for the prepaid card using the digital currency, in other words, the prepaid card is generated by adding the attribute of the prepaid card to the original currency attribute of the digital currency, which can be understood as the prepaid card is the digital currency added with the field corresponding to the attribute of the prepaid card. It is worth mentioning that in the embodiments of the present invention, the digital currency includes legal digital currencies issued by a generally referred to central office, and may be applied to other electronic forms, digital forms of currencies or assets, such as various electronic currencies, legal encrypted currencies, encrypted assets, etc.

After the prepaid card is generated, the paymate returns prepaid card opening success information to the user, which may include the following: the prepaid card identification, a contract identification for the prepaid card for the service provider for the prepaid card, and the prepaid amount. In addition, the payment platform can also send card opening success information to the service provider. And the payment platform can record a processing log in the application process of the prepaid card, namely a card opening operation log of the prepaid card, and store the card opening log into the blockchain so as to ensure authenticity and facilitate later inquiry. The card opening log includes: information such as card opening time, card opener (user), user digital currency address, prepaid card contract ID, prepaid card type, prepaid amount, and operation type, which is herein referred to as card opening operation. Of course, the paymate could also store the open card operation log directly in its local or other database. The subsequent user can inquire the information of the prepaid card through the first terminal, and the service provider can also inquire the information of the user account for opening the prepaid card.

Through the steps shown in fig. 2 and 3 described above, the service provider completes the process of registering the prepaid card, and the user opens the prepaid card corresponding to the service provider. When the subsequent user uses the service of the service provider, payment of the corresponding service can be completed by using the prepaid card. It will be appreciated that the service provider may record a plurality of prepaid cards for different services or different discount information, etc., and the user may apply for a plurality of prepaid cards for different service providers or different services of the same service provider. Based on this, the use request for the prepaid card needs to indicate the prepaid card identification and the use amount for uniquely characterizing the prepaid card, so that the paymate uniquely determines the target prepaid card for the present payment according to the prepaid card identification, and then completes the payment according to the determined prepaid card. It will be appreciated that in the embodiment of the present invention, the prepaid card and the target prepaid card are substantially identical, both being formed by adding the prepaid card attribute to the monetary value attribute of digital currency, and the difference between them is only that: the target prepaid card refers to the prepaid card used this time.

In the embodiment of the invention, the user and the service provider can send the use request of the prepaid card to the payment platform, for example, after the user consumes the service provider, the user can select the opened prepaid card to pay, and at this time, the user can send the use request of the prepaid card to the payment platform through the first terminal. For another example, the service provider may transfer the amount of money (the second available balance) in the prepaid card that the user has consumed to another account by initiating a request for use of the prepaid card.

In one embodiment of the invention, in the case where the use request is sent by the service provider through the second terminal and the use request also indicates a receiving account; the payment platform determines whether the second available balance is not less than the use amount, if so, executes A1 or A2 according to the type of the receiving account, and executes A3;

a1: generating a fourth digital currency having a monetary value equal to the amount of use, and transferring the fourth digital currency to the receiving account; a2: increasing the balance of the receiving account according to the use amount; a3: and taking the difference between the second available balance and the use amount as an updated second available balance.

In this embodiment, the request for use of the prepaid card is initiated by the service provider, which typically is a transfer or withdrawal request, i.e. the second available balance in the prepaid card is transferred to the other account, and thus the request for use initiated by the service provider also indicates a receiving account, e.g. being another digital money account or a bank account.

After receiving the use request, the payment platform also performs identity verification and parameter validity verification, after the verification is successful, checks whether the second available balance is smaller than the use amount, and if so, directly returns a request failure message to the second terminal. And under the condition that the second available balance is not smaller than the use amount, if the receiving account is a digital currency account, generating digital currency with the monetary value equal to the use amount, and if the receiving account is a bank account, exchanging the use amount for the bank account, namely adding the balance equal to the use amount into the receiving account. That is, the paymate may generate digital currency or non-digital currency when the service provider initiates a transfer request or a rendering request. The paymate updates a second available balance in the prepaid card while generating digital currency having a monetary value equal to the usage amount or increasing a balance of the receiving account, the updated second available balance being a difference between the second available balance before the updating and the usage amount. For example, before the use, the second available balance is 80, and the use amount is 20, then the updated second available balance is 60.

It should be noted that, in the case where the use amount is equal to the second available balance, and the second available balance is equal to the monetary value of the first digital currency, and the receiving account is also the digital currency account, that is, in this case, the first available balance corresponding to the user in the prepaid card is 0, and the monetary value of the first digital currency is equal to the second available balance corresponding to the service provider, the owner in the prepaid card may be directly changed to the digital currency address corresponding to the receiving account, and the attribute of the prepaid card in the prepaid card is deleted, so as to obtain the digital currency in response to the use request.

In addition, in the case that the receiving account is also a digital money account, for the case that the use amount is equal to the available balance, but the second available balance is not equal to the monetary value of the first digital money, for example, the service provider has initiated other use requests (such as the service provider has previously presented or transferred part of the second available balance) before initiating the current use request, then since the monetary value of the first digital money will not change during the use of the prepaid card, a corresponding fourth digital money is generated directly from the use amount, and the digital money corresponding to the current use request cannot be generated by directly deleting the attribute of the prepaid card in the prepaid card and modifying the owner of the first digital money. If the first available balance is 0 at this time, the target prepaid card can be logged out at the same time.

In addition, the paymate may also record usage records of the service provider, taking the usage records as transfer records as an example, the transfer records may include transfer time, prepaid card accounts corresponding to prepaid cards, receiving accounts, usage amounts, and the like. The service provider may inquire of the balance and transfer record of the prepaid card account bound to the prepaid card through the second terminal.

In another embodiment of the present invention, the pre-use request payment card use request is transmitted from the user through the first terminal, and then the prepaid card use process corresponds to a process of transferring the available balance of the prepaid card from the user to the service provider. After receiving the use request, the payment platform also performs identity verification and parameter validity verification according to the use request, and the process is basically the same as the verification process, and is not repeated here.

After the verification is passed, the payment platform inquires the target prepaid card according to the prepaid card identifier indicated by the use request, inquires the prepaid card contract according to the contract ID corresponding to the target prepaid card, further executes the prepaid card contract according to the use amount, the service type, the prepaid card type and other information to obtain the payment amount, and further updates the first available balance and the second available balance according to the payment amount.

In one embodiment of the invention, in case the use request is sent by the user through the first terminal, and the use request further indicates a service type; determining a target prepaid card type corresponding to the service type, and determining whether to execute a prepaid card contract corresponding to the target prepaid card according to the target prepaid card type; and updating the first available balance and the second available balance in the target prepaid card according to the execution result and the use amount.

As previously described, when the service provider registers the prepaid card, different services or different time periods may be registered by the prepaid card type. In this example, the user initiated request for use of the prepaid card indicates a service type, and the paymate may determine a target prepaid card type corresponding to the service type to determine discount information corresponding to the service type indicated by the user. Then, whether to execute the prepaid card contract corresponding to the target prepaid card is determined according to the target prepaid card type, for example, in the case where discount information corresponding to the target prepaid card type is empty, since whether to execute the prepaid card contract does not affect the actual payment amount, the prepaid card contract may not be executed. For another example, although the target prepaid card type corresponds to discount information, the prepaid card type is not written in the prepaid card contract, and the prepaid card contract may not be executed.

In one embodiment of the present invention, it is determined to execute the prepaid card contract in a case where the prepaid card contract includes the target prepaid card type and the target prepaid card type indicates an amount calculation parameter. Here, the amount calculation parameter may correspond to discount information corresponding to the type of the target prepaid card, for example, in the case that discount information is 80%, the amount calculation parameter is 0.8. And the target prepaid card type is contained in the prepaid card contract, that is, the target prepaid card type is written in the prepaid card contract, the current payment amount, that is, the current actual payment amount, is determined according to the use amount and the amount calculation parameter by executing the prepaid card contract, then the difference between the first available balance and the current payment amount is taken as the updated first available balance, and the sum of the second available balance and the current payment amount is taken as the updated second available balance. For example, when the amount calculation parameter is 0.8 and the use amount is 100, the present payment amount is 80 after executing the prepaid card contract. If the first available balance of the prepaid card before use is 200 and the second available balance is 0, the first available balance updated according to the payment amount is 120 and the second available balance is 80.

The paymate may also record the above usage and then inform the user and the service provider of the change in the available balance of the prepaid card via the first terminal and the second terminal. The user can also see the balance change of the prepaid card through the first terminal and can inquire the use details through the prepaid card identification; the service provider can also see the balance change through the second terminal and inquire about the usage details through the prepaid card identification. To increase the trustworthiness of the process log of the usage, the paymate may also store the process log of the usage (e.g., using a pipeline record, etc.) in the blockchain for later querying. The recording of the usage process may include: the time of use, the user (subscriber), the prepaid card ID, the prepaid card type, the amount of use, the amount paid this time, the type of service, the remaining balance available.

It can be understood that, in the process of using the prepaid card by the user, if the first available balance in the prepaid card is smaller than the payment amount, the use request is refused and the user is informed of insufficient balance so as to remind the user to recharge the prepaid card. Of course, the user can actively initiate the recharging request according to the requirement. In one embodiment of the invention, during the process of a user recharging a prepaid card, the operations performed by the paymate may include: receiving a recharging request sent by the user through a first terminal, wherein the recharging request indicates a prepaid card identifier of a prepaid card, fifth digital currency for recharging and a recharging amount; determining a target prepaid card corresponding to the prepaid card identifier according to the recharging request; logging off the fifth digital currency, and generating new first digital currency according to the fifth digital currency, the recharging amount and the monetary value of the first digital currency corresponding to the target prepaid card; updating the first available balance according to the recharge amount and the first available balance in the target prepaid card; and logging off the target prepaid card, and generating a new target prepaid card according to the updated first available balance and the first digital currency.

Here, the user may select a recharging function at a prepaid card page of the first terminal, select a fifth digital currency to be recharged into the prepaid card, and send a recharging request to the paymate, the recharging request including the prepaid card identification, the fifth digital currency for recharging, and a recharging amount. After the payment platform receives the recharging request, identity verification and parameter validity verification are carried out, after the verification is passed, a target prepaid card to be recharged is inquired according to the prepaid card identification, and then a new target prepaid card is regenerated.

Specifically, in the case where the monetary value of the fifth digital currency is greater than the recharge amount, the paymate logs off the fifth digital currency and generates a sixth digital currency having a monetary value equal to the difference between the monetary value of the fifth digital currency and the recharge amount. For example, when the charged amount is 30 and the monetary value of the fifth digital money is 50, the monetary value of the sixth digital money generated is 20. The paymate then sends the sixth digital currency to the first terminal so that the user can use the sixth digital currency for other payment scenarios.

Under the condition that the monetary value of the fifth digital currency is equal to the recharging amount or after the sixth digital currency is generated, the payment platform generates a new first digital currency according to the monetary value of the original first digital currency corresponding to the prepaid card and the recharging amount of the time, binds the prepaid card attribute of the prepaid card to the new first digital currency, and updates the first available balance in the prepaid card attribute, and then the payment platform cancels the original prepaid card and the fifth digital currency, thereby generating a new target prepaid card according to the prepaid card attribute updated by the new first digital currency, and completing the recharging operation of the prepaid card. For example, when the amount of money to be charged is 30, the monetary value of the original first digital money is 100, the first available balance is 20, and the second available balance is 80, the monetary value of the first digital money is 130, the first available balance is 50, and the second available balance is 80 in the new target prepaid card to be generated.

In addition, the payment platform can also send a message of successful recharging to the user and the service provider, and record recharging operation records, such as recharging time, prepaid card ID, recharging amount and the like. The user can check that the balance corresponding to the prepaid card is increased through the first terminal, and can check the recharging operation record of the prepaid card.

In one embodiment of the invention, the user or service provider may also initiate a cancellation request of the prepaid card according to the actual requirements. In this case, the operations performed by the paymate may include: receiving a cancellation request of the prepaid card, the cancellation request indicating prepaid card identification and identity information; carrying out identity verification on the initiator of the cancellation request according to the identity information; determining the target prepaid card according to the prepaid card identifier under the condition that verification is passed; in response to receiving the signature information for the target prepaid card, the target prepaid card is unregistered and digital currency of the user and/or digital currency of the service provider is generated based on the first available balance and the second available balance in the target prepaid card, respectively.

For example, in the event that the service provider is unable to continue to provide services, the user or service provider may initiate a cancellation request of the prepaid card to the paymate, which may carry the prepaid card identification and identity information. After checking the identity, the payment platform determines that the checking is passed if the initiator of the cancellation request is determined to be the user or the service provider corresponding to the prepaid card, and responds to the target prepaid card to be cancelled. Further, the payment platform confirms whether signature information for the target prepaid card is received, the signature information includes signature information corresponding to the user and the service provider, the signature information of the user and the service provider is received, it is explained that the user and the service provider agree to cancel the operation for the target prepaid card, then the payment platform can generate digital currency corresponding to the user according to the first available balance, generate digital currency corresponding to the service provider according to the second available balance, and cancel the target prepaid card at the same time.

The signature information may be sent to the payment platform through the cancellation request, for example, when the user or the service provider may initiate the cancellation request of the prepaid card to the payment platform, the cancellation request may be made to carry the signature information of the user. The signature information may also be that the payment platform sends corresponding prompt information to the first terminal and the second terminal after receiving the logout request, so as to obtain signature information of the user and the service provider. For example, the cancellation request is initiated by the user, and the cancellation request already carries signature information of the user, then the payment platform sends prompt information about the cancellation target prepaid card to the second terminal according to the cancellation request, the service provider can confirm whether to agree with the cancellation request initiated by the user according to the prompt information, if so, the service provider initiates confirmation information through the second terminal, the confirmation information carries own signature information, and the payment platform can further confirm that the cancellation request obtains approval of the user and the service provider according to the signature information of the user and the service provider, thereby further canceling the target prepaid card. It will be appreciated that if the service provider does not agree to the user's cancellation request, or fails to agree to the user's cancellation request due to a system crash of the service provider, etc., the paymate cannot cancel the target prepaid card according to the cancellation request, and the user cannot obtain prepaid funds returned by canceling the prepaid card.

In one embodiment of the present invention, when a target prepaid card is cancelled, for a case where a first available balance is zero and the second available balance is equal to a monetary value of the first digital currency, the affiliated person of the first digital currency in the target prepaid card is changed to the service provider, and the prepaid card attribute in the target prepaid card is deleted to take the first digital currency as the digital currency of the service provider.

In this case, if the first available balance corresponding to the user is 0 and the second available balance is equal to the monetary value of the first digital currency when the prepaid card is cancelled, the user may directly change the affiliated person in the monetary attribute of the first digital currency to the service provider, and delete the prepaid card attribute in the original target prepaid card, and obtain the digital currency of the affiliated person as the service provider, thereby completing cancellation of the target prepaid card.

In another embodiment of the present invention, when the target prepaid card is revoked, in a case where the second available balance is zero and the first available balance is equal to the monetary value of the first digital currency, the prepaid card attributes in the target prepaid card are deleted to take the first digital currency as the digital currency of the user. In this case, the second available balance is 0 and the first available balance is equal to the monetary value of the first digital currency, which indicates that the prepaid card has not been used, and is requested to be cancelled, at this time, the paymate directly deletes the prepaid card attribute in the target prepaid card, i.e., removes the locked state of the first digital currency, and takes the first digital currency from which the prepaid card attribute is deleted as the digital currency corresponding to the user, to complete cancellation of the target prepaid card, so that the user can use the first digital currency in the unlocked state to perform other transactions.

The paymate may also record cancellation operations including cancellation time, cancellation initiator, prepaid card ID, and cancellation reason, among others. After the logout is successful, the user can check the refund digital currency at the first terminal, and the service provider can check the corresponding digital currency at the second terminal.

It can be appreciated that the paymate may store records corresponding to the above-described record operation, card opening operation, use operation, recharge operation, and logoff operation in the blockchain for later querying.

According to the method for using the prepaid card based on the digital currency, the prepaid card is formed by binding the digital currency based on the currency attribute and the prepaid card attribute. When the prepaid card is used, a second available balance corresponding to the first available balance of the user and corresponding to the service provider in the prepaid card attribute is updated according to the use amount, so as to respond to the use request of the prepaid card. Therefore, the use condition of the digital currency in the prepaid card is limited by the programmable digital currency, the available balances corresponding to the users and the service provider respectively are defined by the attribute of the prepaid card, and the service provider can only conduct other transactions aiming at the corresponding available balances, so that the service provider is prevented from using the digital currency pre-paid by the users in advance, and the user interests are effectively ensured. Meanwhile, the use of the prepaid card is supervised and managed by an online paymate, so that prepaid card transactions can be effectively supervised and managed without additionally increasing maintenance costs of merchants.

Fig. 4 is a schematic diagram of the major modules of a paymate using a prepaid card based on digital currency in accordance with an embodiment of the present invention.

As shown in fig. 4, a paymate 400 using a prepaid card based on digital money according to an embodiment of the present invention includes: a request receiving module 401, a determining module 402, and a processing module 403; wherein,

the request receiving module 401 is configured to receive a usage request of a prepaid card, where the usage request indicates a prepaid card identifier and a usage amount;

the determining module 402 is configured to determine, according to the usage request, a target prepaid card corresponding to the prepaid card identifier, where the target prepaid card includes: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider;

the processing module 403 is configured to update the first available balance and/or the second available balance in the target prepaid card according to the usage amount, in response to the usage request.

In one embodiment of the invention, the monetary attributes further include: a signature of an issuer of the first digital currency and/or an owner of the first digital currency; the prepaid card attributes further include: a prepaid card type, a prepaid card account of the service provider, a prepaid card contract, and/or a contract identification of the prepaid card contract.

In one embodiment of the present invention, the request receiving module 401 is further configured to receive a prepaid card application request sent by the user through the first terminal, where the prepaid card application request indicates a second digital currency for prepaid, a prepaid amount, and a prepaid card contract corresponding to the service provider;

the processing module 403 is further configured to generate the first digital currency according to the monetary value of the second digital currency and the prepaid amount; a prepaid card is generated based on the first digital currency and the prepaid card contract.

In one embodiment of the present invention, the processing module 403 is configured to determine a prepaid card account corresponding to the service provider according to the prepaid card application request, and generate a prepaid card identifier; and adding a field corresponding to the first available balance, a field corresponding to the second available balance, and a field corresponding to the prepaid card identifier, the prepaid card account, the contract identifier and/or the prepaid card contract in the first digital currency to generate the prepaid card.

In one embodiment of the present invention, in the case that the monetary value of the second digital currency is greater than the prepaid amount, the processing module 403 is configured to log off the second digital currency and generate the first digital currency and the third digital currency; wherein the monetary value of the first digital currency is equal to the prepaid amount and the monetary value of the third digital currency is equal to the difference between the monetary value of the second digital currency and the prepaid amount.

In one embodiment of the present invention, the processing module 403 is further configured to: and sending the third digital currency to the first terminal.

In one embodiment of the present invention, in the case that the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is single, the processing module 403 is configured to: and taking the second digital currency as the first digital currency.

In one embodiment of the present invention, in the case that the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is plural, the processing module 403 is configured to: registering a plurality of said second digital currency and generating said first digital currency in accordance with said prepaid amount.

In one embodiment of the present invention, the processing module 403 is configured to use the digital currency account of the service provider indicated in the prepaid card application request as the prepaid card account.

In one embodiment of the present invention, the processing module 403 is configured to query a prepaid card account bound by the prepaid card contract, and determine the prepaid card account according to the query result.

In one embodiment of the present invention, the request receiving module 401 is further configured to receive a prepaid card record request sent by the service provider through the second terminal, where the prepaid card record request indicates a prepaid card template selected by the service provider and a record parameter corresponding to the service provider;

The processing module 403 is further configured to determine a prepaid card account corresponding to the service provider according to the prepaid card record request; generating a prepaid card contract according to the prepaid card template and the record parameters, and binding the prepaid card contract with the prepaid card account; and transmitting the contract identification of the prepaid card contract and the prepaid card account after binding to the second terminal.

In one embodiment of the invention, the prepaid card proposal request further indicates a digital currency account selected by the service provider; the processing module 403 is configured to use the digital currency account selected by the service provider as the prepaid card account.

In one embodiment of the invention, the prepaid card proposal request also indicates a prepaid card type; the processing module 403 is configured to generate the prepaid card contract according to the prepaid card type, the prepaid card template, and the record parameter; or, generating a contract identification of the prepaid card contract according to the prepaid card type and the prepaid card contract.

In one embodiment of the present invention, the determining module 402 performs identity verification and parameter validity verification according to the prepaid card application request or the prepaid card record request; and responding to the prepaid card application request or the prepaid card record request under the condition that verification is passed.

In one embodiment of the invention, in case the use request is sent by the user through the first terminal, and the use request further indicates a service type; the processing module 403 is configured to determine a target prepaid card type corresponding to the service type, and determine whether to execute a prepaid card contract corresponding to the target prepaid card according to the target prepaid card type; and updating the first available balance and the second available balance in the target prepaid card according to the execution result and the use amount.

In one embodiment of the present invention, the processing module 403 is configured to determine to execute the prepaid card contract in a case where the prepaid card contract includes the target prepaid card type and the target prepaid card type indicates an amount calculation parameter; determining the payment amount according to the use amount and the amount calculation parameter; and taking the difference between the first available balance and the current payment amount as an updated first available balance, and taking the sum of the second available balance and the current payment amount as an updated second available balance.

In one embodiment of the invention, in the case where the use request is sent by the service provider through the second terminal and the use request also indicates a receiving account; the processing module 403 is configured to determine whether the second available balance is not less than the usage amount, and if so, execute A1 or A2 according to the type of the receiving account, and execute A3: a1: generating a fourth digital currency having a monetary value equal to the amount of use, and transferring the fourth digital currency to the receiving account; a2: increasing the balance of the receiving account according to the use amount; a3: and taking the difference between the second available balance and the use amount as an updated second available balance.

In one embodiment of the present invention, the request receiving module 401 is further configured to receive a recharge request sent by the user through the first terminal, where the recharge request indicates a prepaid card identifier of the prepaid card, a fifth digital currency for recharging, and a recharge amount;

the determining module 402 is further configured to determine, according to the recharging request, a target prepaid card corresponding to the prepaid card identifier;

the processing module 403 is further configured to log off the fifth digital currency, and generate a new first digital currency according to the fifth digital currency, the recharge amount, and the monetary value of the first digital currency corresponding to the target prepaid card; updating the first available balance according to the recharge amount and the first available balance in the target prepaid card; and logging off the target prepaid card, and generating a new target prepaid card according to the updated first available balance and the first digital currency.

In one embodiment of the present invention, in the case that the monetary value of the fifth digital currency is greater than the recharge amount, the processing module 403 is further configured to generate a sixth digital currency, and send the sixth digital currency to the first terminal; the monetary value of the sixth digital currency is equal to the difference between the monetary value of the fifth digital currency and the refill amount.

In one embodiment of the present invention, the request receiving module 401 is further configured to receive a cancellation request of the prepaid card, where the cancellation request indicates the prepaid card identifier and the identity information;

the determining module 402 is further configured to perform identity verification on the initiator of the cancellation request according to the identity information; determining the target prepaid card according to the prepaid card identifier under the condition that verification is passed;

the processing module 403 is further configured to, in response to receiving the signature information for the target prepaid card, log off the target prepaid card, and generate digital currency of the user and/or digital currency of the service provider based on the first available balance and the second available balance in the target prepaid card, respectively.

In one embodiment of the present invention, the processing module 403 is configured to change the owner of the first digital currency in the target prepaid card to the service provider and delete the prepaid card attribute in the target prepaid card to use the first digital currency as the digital currency of the service provider when the first available balance is zero and the second available balance is equal to the monetary value of the first digital currency.

In one embodiment of the present invention, the processing module 403 is configured to delete the prepaid card attribute in the target prepaid card to use the first digital currency as the digital currency of the user if the second available balance is zero and the first available balance is equal to the monetary value of the first digital currency.

In one embodiment of the present invention, the processing module 403 is further configured to record a processing log corresponding to the target prepaid card, and store the processing log in a blockchain.

A paymate using prepaid cards based on digital currency according to an embodiment of the present invention can be seen to bind the currency attributes of the digital currency with the prepaid card attributes to form a prepaid card. When the prepaid card is used, a second available balance corresponding to the first available balance of the user and corresponding to the service provider in the prepaid card attribute is updated according to the use amount, so as to respond to the use request of the prepaid card. Therefore, the use condition of the digital currency in the prepaid card is limited by the programmable digital currency, the available balances corresponding to the users and the service provider respectively are defined by the attribute of the prepaid card, and the service provider can only conduct other transactions aiming at the corresponding available balances, so that the service provider is prevented from using the digital currency pre-paid by the users in advance, and the user interests are effectively ensured. Meanwhile, the use of the prepaid card is supervised and managed by an online paymate, so that prepaid card transactions can be effectively supervised and managed without additionally increasing maintenance costs of merchants.

Fig. 5 is a schematic diagram of the main modules of a prepaid card usage system based on digital money according to an embodiment of the present invention.

As shown in fig. 5, a prepaid card usage system 500 based on digital money according to an embodiment of the present invention includes: the payment platform 400, the first terminal 501 corresponding to the user, and the second terminal 502 corresponding to the service provider provided in any of the embodiments described above; wherein,

the first terminal 501 is configured to send a usage request of a prepaid card to the paymate, where the usage request indicates a prepaid card identifier and a usage amount;

the payment platform 400 is further configured to send a response result of the usage request to the first terminal 501 and the second terminal 502.

In one embodiment of the present invention, the first terminal 501 and/or the second terminal 502 are configured to receive a query request, and query, according to a prepaid card identifier carried by the query request, a usage record of a target prepaid card corresponding to the prepaid card identifier.

Fig. 6 illustrates an exemplary system architecture 600 of a digital currency based prepaid card usage method or a digital currency based prepaid card usage system to which embodiments of the present invention may be applied.

As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 is used as a medium to provide communication links between the terminal devices 601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 605 via the network 604 using the terminal devices 601, 602, 603 to receive or send messages, etc. Various communication client applications such as a payment application for digital money, a shopping class application, a web browser application, a search class application, an instant messaging tool, a mailbox client, social platform software, etc. may be installed on the terminal devices 601, 602, 603.

The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 605 may be a server providing various services, such as a background management server providing support for shopping-type websites browsed by the user using the terminal devices 601, 602, 603. The background management server may analyze and the like the received data on the request for the prepaid card and the like, and feed back the processing result (e.g., the card opening result) to the terminal device.

It should be noted that, the method for using a prepaid card based on digital currency according to the embodiment of the present invention is generally performed by the server 605, and accordingly, a payment platform using a prepaid card based on digital currency is generally provided in the server 605.

It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a request receiving module, a determining module, and a processing module. The names of these modules do not constitute a limitation on the module itself in some cases, and for example, the request receiving module may also be described as "a module that receives a request for a prepaid card".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: receiving a use request of the prepaid card, the use request indicating a prepaid card identification and a use amount; determining a target prepaid card corresponding to the prepaid card identification according to the use request, wherein the target prepaid card comprises: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: the monetary value and the owner of the first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider; updating the first available balance and/or the second available balance in the target prepaid card according to the use amount, and responding to the use request.

According to the technical scheme of the embodiment of the invention, the digital currency is bound with the attribute of the prepaid card based on the currency attribute of the digital currency to form the prepaid card. When the prepaid card is used, a second available balance corresponding to the first available balance of the user and corresponding to the service provider in the prepaid card attribute is updated according to the use amount, so as to respond to the use request of the prepaid card. Therefore, the use condition of the digital currency in the prepaid card is limited by the programmable digital currency, the available balances corresponding to the users and the service provider respectively are defined by the attribute of the prepaid card, and the service provider can only conduct other transactions aiming at the corresponding available balances, so that the service provider is prevented from using the digital currency pre-paid by the users in advance, and the user interests are effectively ensured. Meanwhile, the use of the prepaid card is supervised and managed by an online paymate, so that prepaid card transactions can be effectively supervised and managed without additionally increasing maintenance costs of merchants.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (26)

1. A method of using a prepaid card based on digital currency, applied to a paymate, comprising:

receiving a use request of the prepaid card, the use request indicating a prepaid card identification and a use amount;

determining a target prepaid card corresponding to the prepaid card identification according to the use request, wherein the target prepaid card comprises: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider;

updating the first available balance and/or the second available balance in the target prepaid card according to the use amount, and responding to the use request.

2. The method of claim 1, wherein the step of determining the position of the substrate comprises,

the monetary attributes further include: a signature of an issuer of the first digital currency and/or an owner of the first digital currency;

and/or the number of the groups of groups,

the prepaid card attributes further include: a prepaid card type, a prepaid card account of the service provider, a prepaid card contract, and/or a contract identification of the prepaid card contract.

3. The method of claim 2, further comprising, prior to said receiving a request for use of a prepaid card:

receiving a prepaid card application request sent by the user through a first terminal, the prepaid card application request indicating a second digital currency for prepaid, a prepaid amount, and a prepaid card contract corresponding to the service provider;

generating the first digital currency according to the monetary value of the second digital currency and the prepaid amount;

a prepaid card is generated based on the first digital currency and the prepaid card contract.

4. A method according to claim 3, wherein said generating a prepaid card from said first digital currency and said prepaid card contract comprises:

determining a prepaid card account corresponding to the service provider according to the prepaid card application request, and generating a prepaid card identifier;

And adding a field corresponding to the first available balance, a field corresponding to the second available balance, and a field corresponding to the prepaid card identifier, the prepaid card account, the contract identifier and/or the prepaid card contract in the first digital currency to generate the prepaid card.

5. A method according to claim 3, wherein, in the event that the monetary value of the second digital currency is greater than the prepaid amount, the generating the first digital currency from the monetary value of the second digital currency and the prepaid amount comprises:

logging off the second digital currency and generating the first digital currency and a third digital currency; wherein the monetary value of the first digital currency is equal to the prepaid amount and the monetary value of the third digital currency is equal to the difference between the monetary value of the second digital currency and the prepaid amount.

6. The method as recited in claim 5, further comprising:

and sending the third digital currency to the first terminal.

7. The method of claim 3, wherein the step of,

in the case where the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is single, the generating the first digital currency from the monetary value of the second digital currency and the prepaid amount includes: taking the second digital currency as the first digital currency;

Or alternatively, the first and second heat exchangers may be,

in the case where the monetary value of the second digital currency is equal to the prepaid amount and the second digital currency is plural, the generating the first digital currency from the monetary value of the second digital currency and the prepaid amount includes: registering a plurality of said second digital currency and generating said first digital currency in accordance with said prepaid amount.

8. The method of claim 4, wherein the determining the prepaid card account corresponding to the service provider comprises:

taking a digital currency account of the service provider indicated in the prepaid card application request as the prepaid card account;

and/or the number of the groups of groups,

and inquiring the prepaid card account bound by the prepaid card contract, and determining the prepaid card account according to the inquiring result.

9. A method according to claim 3, further comprising, prior to said receiving a prepaid card application request sent by the user via the first terminal:

receiving a prepaid card record request sent by the service provider through a second terminal, wherein the prepaid card record request indicates a prepaid card template selected by the service provider and record parameters corresponding to the service provider;

Determining a prepaid card account corresponding to the service provider according to the prepaid card record request;

generating a prepaid card contract according to the prepaid card template and the record parameters, and binding the prepaid card contract with the prepaid card account;

and transmitting the contract identification of the prepaid card contract and the prepaid card account after binding to the second terminal.

10. The method of claim 9, wherein the prepaid card proposal request further indicates a digital currency account selected by the service provider; the determining the prepaid card account corresponding to the service provider includes:

the digital currency account selected by the service provider is taken as the prepaid card account.

11. The method of claim 9, wherein the prepaid card proposal request further indicates a prepaid card type;

generating the prepaid card contract according to the prepaid card type, the prepaid card template and the docketing parameters;

or alternatively, the first and second heat exchangers may be,

and generating a contract identification of the prepaid card contract according to the prepaid card type and the prepaid card contract.

12. The method according to claim 3 or 9, further comprising:

According to the prepaid card application request or the prepaid card record request, identity verification and parameter legitimacy verification are carried out;

and responding to the prepaid card application request or the prepaid card record request under the condition that verification is passed.

13. The method according to claim 11, wherein in case the use request is sent by the user through the first terminal and the use request further indicates a service type;

determining a target prepaid card type corresponding to the service type, and determining whether to execute a prepaid card contract corresponding to the target prepaid card according to the target prepaid card type;

and updating the first available balance and the second available balance in the target prepaid card according to the execution result and the use amount.

14. The method of claim 12, wherein the step of determining the position of the probe is performed,

determining to execute the prepaid card contract in a case where the prepaid card contract contains the target prepaid card type and the target prepaid card type indicates an amount calculation parameter;

said updating a first available balance and a second available balance in said target prepaid card based on said execution result and said usage amount, comprising:

Determining the payment amount according to the use amount and the amount calculation parameter;

and taking the difference between the first available balance and the current payment amount as an updated first available balance, and taking the sum of the second available balance and the current payment amount as an updated second available balance.

15. The method of claim 1, wherein in the event that the use request is sent by a service provider through a second terminal and the use request further indicates a receiving account;

said updating a second available balance in said target prepaid card in response to said usage request based on said usage amount, comprising:

determining whether the second available balance is not less than the use amount, if so, executing A1 or A2 according to the type of the receiving account, and executing A3:

a1: generating a fourth digital currency having a monetary value equal to the amount of use, and transferring the fourth digital currency to the receiving account;

a2: increasing the balance of the receiving account according to the use amount;

a3: and taking the difference between the second available balance and the use amount as an updated second available balance.

16. A method according to claim 3, further comprising, after said generating a prepaid card according to said first digital currency and said prepaid card contract:

Receiving a recharging request sent by the user through a first terminal, wherein the recharging request indicates a prepaid card identifier of a prepaid card, fifth digital currency for recharging and a recharging amount;

determining a target prepaid card corresponding to the prepaid card identifier according to the recharging request;

logging off the fifth digital currency, and generating new first digital currency according to the fifth digital currency, the recharging amount and the monetary value of the first digital currency corresponding to the target prepaid card;

updating the first available balance according to the recharge amount and the first available balance in the target prepaid card;

and logging off the target prepaid card, and generating a new target prepaid card according to the updated first available balance and the first digital currency.

17. The method of claim 16, further comprising, in the event that the monetary value of the fifth digital currency is greater than the refill amount:

generating a sixth digital currency and transmitting the sixth digital currency to the first terminal; the monetary value of the sixth digital currency is equal to the difference between the monetary value of the fifth digital currency and the refill amount.

18. The method as recited in claim 1, further comprising:

Receiving a cancellation request of the prepaid card, the cancellation request indicating prepaid card identification and identity information;

carrying out identity verification on the initiator of the cancellation request according to the identity information;

determining the target prepaid card according to the prepaid card identifier under the condition that verification is passed;

in response to receiving the signature information for the target prepaid card, the target prepaid card is unregistered and digital currency of the user and/or digital currency of the service provider is generated based on the first available balance and the second available balance in the target prepaid card, respectively.

19. The method according to claim 15 or 18, wherein, in case the money attribute further comprises the owner of the first digital money,

and in the case that the first available balance is zero and the second available balance is equal to the monetary value of the first digital currency, changing the owner of the first digital currency in the target prepaid card to the service provider and deleting the prepaid card attribute in the target prepaid card to take the first digital currency as the digital currency of the service provider.

20. The method of claim 18, wherein said deregistering the target prepaid card comprises:

And deleting the prepaid card attribute in the target prepaid card to take the first digital currency as the digital currency of the user in the case that the second available balance is zero and the first available balance is equal to the monetary value of the first digital currency.

21. The method of claim 1, further comprising:

and recording a processing log corresponding to the target prepaid card, and storing the processing log into a blockchain.

22. A paymate using a prepaid card based on digital currency, comprising: the device comprises a request receiving module, a determining module and a processing module; wherein,

the request receiving module is used for receiving a use request of the prepaid card, wherein the use request indicates a prepaid card identifier and a use amount;

the determining module is configured to determine, according to the usage request, a target prepaid card corresponding to the prepaid card identifier, where the target prepaid card includes: a monetary attribute and a prepaid card attribute, the monetary attribute comprising: a monetary value of a first digital currency; the prepaid card attributes include: the prepaid card identification, a first available balance corresponding to the user, and a second available balance corresponding to the service provider;

the processing module is used for updating the first available balance and/or the second available balance in the target prepaid card according to the use amount so as to respond to the use request.

23. A prepaid card usage system based on digital currency, comprising: the paymate of claim 22, a first terminal corresponding to a user, and a second terminal corresponding to a service provider; wherein,

the first terminal is used for sending a use request of the prepaid card to the payment platform, wherein the use request indicates a prepaid card identifier and a use amount;

the payment platform is further used for sending a response result of the use request to the first terminal and the second terminal.

24. The use system of claim 23 wherein the response result comprises a usage record;

the first terminal and/or the second terminal are/is used for receiving a query request, and querying a usage record of a target prepaid card corresponding to the prepaid card identifier according to the prepaid card identifier carried by the query request.

25. A server using a prepaid card based on digital money, comprising:

one or more processors;

storage means for storing one or more programs,

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-21.

26. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-21.