CN103745402A - Method for managing electronic money with valid period - Google Patents
Method for managing electronic money with valid period Download PDFInfo
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- CN103745402A CN103745402A CN201410009064.8A CN201410009064A CN103745402A CN 103745402 A CN103745402 A CN 103745402A CN 201410009064 A CN201410009064 A CN 201410009064A CN 103745402 A CN103745402 A CN 103745402A
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Abstract
The invention provides a method for managing electronic money with a valid period. According to the method, a user can communicate with a server through a network so as to query or trade the electronic money, the server comprises a database and an application interface, and the database is used for storing data records of the electronic money with the valid period for the user in the form of a data sheet; data record sheets of the electronic money with the valid period comprise an electronic money valid period record sheet and an electronic money balance sheet, wherein the electronic money valid period record sheet comprises at least one record, and each record comprises the following data items: a record number, user ID (Identity), an electronic money amount and an amount valid period as well as record creation time; the electronic money balance sheet comprises at least one record, and each record comprises the following data items: user ID, total available balance and the type of the total available balance. The method has the advantages that a variety of processes, such as transfer, enquiry, transaction deduction, payment and refund, can be realized by only querying and increasing database records.
Description
Technical field
The present invention relates to electronic money field, particularly a kind of electronic money management method with the term of validity.
Background technology
Along with the development of Internet technology and universal, world's information economy and development of globalization make currency exchange and electronic transaction become day by day frequent, thereby have produced electronic money.Electronic money (Electronic Money) is take e-finance network as basis, take commercial electronic machine and all kinds of transactional cards as medium, take electronic computer technology and the communication technology as means, with electronic data (binary data) form, be stored in the computer system of bank, and by computer network system, with electronic information transmission form, realize the currency of circulation and payment function.It can replace the money-system that uses money transaction in the mode of number book keeping operation.Electronic money effectively improves efficiency and the safety of transaction, and for example consumer need not carry buckets of cash, and trade company need not count cash by staff simultaneously.Process of exchange mainly completes by financial institution or P2P system, therefore security improves greatly.
At present, abundant along with the service business kind based on electronic money, and the function such as the transaction of the account fund of the user to electronic money and account management is complicated, the data processing method of traditional electronic money has produced increasing problem.Such as, in the processing of electronic money payment with the term of validity, need to classify to the remaining sum in account, and the every class money in remaining sum be carried out to selectivity based on class of business and withhold.In this case, traditional electronic money account management system need to coordinate the data such as the term of validity of business to account to carry out a large amount of calculating and then result is updated in the relative recording table of database to the possibility that makes payment system collapse while therefore existing calculated amount excessive.
In addition, when businessman carries out advertising campaign to user, tend to give the electronic money of user's some, these are given and can when user supplements with money, with recharge amount, give in proportion, or directly give to user.Current original remaining sum system of account, can only provide basic funds transaction and account management function for user, for the lifting of business sales volume and user, for enthusiasm of remaining sum consumption etc., cannot offer help and support.The existing defect that conventionally has following several respects with the electronic money management system of the term of validity:
1, cannot how much also remain to every term of validity record of user's real-time exhibition user.The user who only has system to upgrade in term of validity record sheet when each operation remaining sum remains amount due, just can accomplish how much every the term of validity record that shows in real time user also remains.But can bring white elephant to system like this.
2, need to for example, when transferring accounts with the electronic money of the term of validity (other users transfer accounts) user, existing electronic money management system also cannot solve in remaining sum and have the part with the term of validity, can only turn the remaining sum without the account of effect phase remaining sum.Because thereby may existing the operation of mass data storehouse to drag, the calculating needing and renewal even wear slowly whole payment system down when transferring accounts.
3, existing just simple deduction user's the amount of money of program of deducting fees, and user do not know oneself will have how many remaining sums when to be deducted.And if user balance changes and may cause deducting fees unsuccessfully in the process of deducting fees.Before deducting fees, do not have reminding user how much will expire when yet.
4, when user wants when supplementing with money to extend the remaining sum term of validity, existing mode needs manual oversight at the amount of money with on the term of validity time, and inefficiency lacks unified effectively management.
Therefore, need a kind of management method of the electronic money effectively with the term of validity, avoid the complicacy of electronic money account processing, realize the electronic money account processing of efficient stable.
Summary of the invention
The object of this invention is to provide a kind of electronic money payment method with the term of validity.
According to an aspect of the present invention, a kind of electronic money management method with the term of validity is provided, described method operates in service provider's the server of electronic money, user can carry out communication for inquiry or the described electronic money of concluding the business by network and described server by user's logging device or mobile terminal, described server comprises database and application interface, in described database, for the form take tables of data, as storing, user there is the data recording of term of validity electronic money, the described data logger with term of validity electronic money comprises: electronic money term of validity record sheet, it comprises at least one record, every record comprises following data item: record number, Customs Assigned Number, the electronic money amount of money, the amount of money term of validity, and record creation-time, and electronic money balance sheet, it comprises at least one record, every record comprises following data item: Customs Assigned Number, total available balance, and the type of total available balance, wherein, described electronic money term of validity record sheet is undertaken associated with described electronic money balance sheet by described Customs Assigned Number data item, by only described electronic money term of validity record sheet being inquired about or being increased record, and total available balance data item of described electronic money balance sheet is modified to realize inquiry, the front end of user to electronic money record and show and transaction.
Preferably, described electronic money trading is selected from supplement with money, mutually turn operation, bill payment operation, account reimbursement operation, account withhold operation and the account of the amount of money between different accounts return money operation.
Preferably, when described user is during to the query manipulation of electronic money record, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet: a) inquire about described electronic money term of validity record sheet, filter out all records that wherein do not exceed the term of validity, b) according to the term of validity by sorting as far as near order, obtain the first list; C) inquire about the total available balance of the user of corresponding described querying condition in described electronic money balance sheet; D) set the pointer of described the first list, point to the Article 1 record after described first row list sorting; E) for the record of described pointed creates current available balance entry, and read the electronic money amount field in described record; F) judge whether the described electronic money amount of money is less than described total available balance, if enter step g; Otherwise enter step I; G) the current available balance entry to this record by described electronic money amount record; H) upgrade described total available balance, and by next record moving to after pointer in described the first list, return to described step e; I) described total available balance is recorded to the current available balance entry of the described record in described the first list; J) show the record that comprises current available balance entry in described the first list.
Preferably, when when front end shows described the first list, by the creation-time of record, carry out sequencing display from the near to the remote or by any one mode near.
Preferably, the type of described total available balance comprises: with the cash summation of the term of validity, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money; Give amount of money summation, it gives the amount of money to user for described service provider; Without the cash summation of effect phase, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money; With the term of validity with without the cash summation of effect phase, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money.
Preferably, when described user supplement with money, from the income of transferring accounts, the reimbursement of other people account or when returning money, service provider and giving operation, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet: at record of last interpolation of described electronic money term of validity record sheet, and according to different classifications, upgrade total available balance of respective classes in electronic money balance sheet.
Preferably, when described user turns mutually operation between different accounts, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet: the remaining sum to respective type in described less user's described electronic money balance sheet is deducted the corresponding amount of money, and wherein the amount record in the described cash summation with the term of validity of preferential deduction is maybe by the amount record in the cash summation with the term of validity with give amount of money summation and deduct according to certain ratio; In receipt side user's described electronic money term of validity record sheet, increase corresponding amount record, the described amount of money corresponding to less transfer accounts expenditure the amount of money, if the side of producing produces the amount of money with the term of validity, calculate the actual available balance entry of the electronic money term of validity record sheet of the side of producing, the term of validity of the corresponding amount record that receipt side increases is corresponding to the term of validity corresponding to entry of the corresponding available balance of the described side's of producing deduction.
Preferably, when user carries out delivery operation, total available balance of the respective type of the described electronic money balance sheet of described database to described user is deducted, and wherein preferentially deducts the cash summation with the term of validity.
Preferably, when user carries out reimbursement or return money operation, described database is to adding a record in described user's described electronic money term of validity record sheet, the amount of money of described record is corresponding to institute's reimbursement or return the amount of money of money, and total available balance of the respective type to described electronic money balance sheet amount of money of upgrading to increase institute's reimbursement or returning money.
Preferably, the electronic money term of validity record sheet scan for inquiries operation of user in described database is carried out in described server timing, for deducting the electronic money amount record that user has exceeded the term of validity, described deduction comprises the steps: a) to retrieve described user's electronic money record sheet, inquires about this user at described server still undue whole electronic money record on the scanning same day; B) the electronic money amount of money of all undue all records in step a is sued for peace; C) inquire about the corresponding remaining sum item in described user's electronic money balance sheet, with in step b, calculate and compare, the smaller value in both is updated to the corresponding remaining sum item in described user's electronic money balance sheet.
Utilize a kind of electronic money payment method with the term of validity of the present invention, can avoid the complicacy of electronic money account processing, only by inquiring about and increasing data-base recording, and can realize without Update Table storehouse record, transfer accounts, inquire about, conclude the business and withhold, pay, return the multiple management to the electronic money with the term of validity such as money, can realize the electronic money account processing of efficient stable.
Accompanying drawing explanation
With reference to the accompanying drawing of enclosing, the more object of the present invention, function and advantage are illustrated the following description by embodiment of the present invention, wherein:
Fig. 1 has schematically shown and has carried out according to the computer system block diagram of the electronic money management method with the term of validity of the present invention.
Fig. 2 shows when user need to inquire about its electronic money amount of money with the term of validity in server end proper account and/or transaction record, the method step that server end is carried out the database of storage user record.
Embodiment
By reference to example embodiment, object of the present invention and function and will be illustrated for the method that realizes these objects and function.But the present invention is not limited to following disclosed example embodiment; Can to it, be realized by multi-form.The essence of instructions is only to help various equivalent modifications Integrated Understanding detail of the present invention.
Hereinafter, embodiments of the invention will be described with reference to the drawings.In the accompanying drawings, identical Reference numeral represents same or similar parts, or same or similar step.
Fig. 1 has schematically shown and has carried out according to the computer system block diagram of the electronic money management method with the term of validity of the present invention.As shown in Figure 1, the electronic money management method with the term of validity according to the present invention operates in service provider's the server 103 of electronic money, by user, can by network and server 103, carry out communication by user's logging device 101 or mobile terminal 102.User's logging device 101 or mobile terminal 102, hereinafter also referred to as front end, are shown for operations such as the inquiry to electronic money, transaction.Server 103 can be to be positioned at long-range Cloud Server, comprises database 105 and application interface (API) 104, in database 105, for the form take tables of data, stores it according to the data recording with term of validity electronic money of the present invention as user.
User can pass through API104 logon server 103 by network by user's logging device 101 or mobile terminal 102, to inquire about the corresponding detailed record of electronic money with the term of validity corresponding to its account.When user carries out the transaction operation of electronic money by API104, as supplement with money, transfer accounts, claim for refund etc., corresponding data recording in server 103 meeting reading databases 105, carries out electronic money management method according to the present invention respective record is operated.In addition, when the service provider of electronic money need to operate user's electronic money, as while giving the electronic money with the specific term of validity, the approval reimbursement etc. of user's some, corresponding data recording in server 103 meeting reading databases 105, carries out electronic money management method according to the present invention respective record is operated.
Preferably, server 103 also can be according to the operational requirements of electronic money being provided to the other application programming interfaces (not shown) for database 105, as financial accounting, safety guarantee etc.
Term of validity electronic money according to the present invention refers to that the use of electronic money is subject to the restriction of the term of validity.For example, if the amount of money of an electronic money is 100 yuan, the term of validity is on January 3rd, 2014, and user must (containing January 3) consume this amount of money before 3 days January in 2014, otherwise this amount of money exceedes the term of validity, cannot re-use.The electronic money trading of hereinafter mentioning includes but not limited to supplement with money, transferring accounts between different user account, reimbursement, deduct fees, return money etc.
with the establishment of the electronic money record data table of the term of validity
User's the record of the electronic money with the term of validity is managed by create two tables of electronic money term of validity record sheet and electronic money balance sheet in database.
Table 1 has schematically shown an example of the term of validity amount record table that utilizes a kind of electronic money payment method with the term of validity of the present invention.
| ID | account_id | recharge_money | expiry_date | create_time |
| 1 | 1004 | 100.00 | 2014-02-27 | 2013-02-27 |
| 2 | 1003 | 10.00 | 2014-03-27 | 2013-03-27 |
| 3 | 1004 | 100.00 | 2014-04-27 | 2013-04-27 |
Table 1 is with the electronic money term of validity record sheet of the term of validity
As shown in table 1, in the term of validity amount record table in database, each record is stored with the form of [record number: Customs Assigned Number: recharge amount: currency expired time: record creation-time].Wherein, ID represents the record number of a term of validity amount record, and the identity that account_id is user is Customs Assigned Number; Recharge_money is the electronic money amount of money with the term of validity, and this amount of money may be from the supplementing with money of user, reimbursement, transfer accounts and return money etc., and the value of this amount of money is >=0; Expiry_date is the use expiration time of this term of validity amount record; Create_time is the creation-time of this term of validity amount record, when showing on foreground, can utilize this field create_time to all record orderings.
In above-mentioned electronic money term of validity record sheet, the source of each electronic money is not distinguished, without distinguish this amount of money be from user supplement with money, transfer accounts income, reimbursement income, return that money is taken in or service provider such as gives at the form.
In order to simplify the processing that completes efficiently the account data to electronic money, the present invention only utilizes two kinds of data manipulation modes to complete the processing to electronic money term of validity record sheet.Described two kinds of data manipulation modes are: query manipulation and interpolation operation, and to have guaranteed the trackability of every each operation of data.In addition, tables of data mode of operation according to the present invention is forbidden deletion record and record is modified, data stability and the security of tables of data are strengthened greatly, be specially adapted in distributed system that multiple servers or terminal operate a tables of data.
For the query statement of term of validity amount record table for example:
select*from?gift_expiry?where?account_id=?order?by?create_time；
Wherein, gift_expiry is that the table name of the electronic money record sheet that will operate claims, now by inquire about qualified all records according to the creation-time recording, create_time field sorts.And created database index for account_id field.
Query manipulation for term of validity amount record table can show according to the establishment order of term of validity amount record or the order that expires.When showing according to the expired time of record, according to expiry_date field, sort, query statement is for example as follows:
select*from?gift_expiry?where?account_id=?and?expiry_date>?order?by?expiry_date；
Table 2 shows the establishment exemplary form of electronic money balance sheet.
| account_id | type | free_money |
| 1002 | 1 | 50 |
| 1002 | 2 | 10 |
| 1004 | 3 | 50 |
Table 2 electronic money balance sheet example
As shown in table 2, the account_id in electronic money balance sheet represents that the identity of user in remaining sum (balance) table is Customs Assigned Number, is used for carrying out associated with the account_id in above-mentioned electronic money term of validity record sheet; Type represents the amount of money remaining sum of dissimilar electronic money, and free_money field is total available balance of the lower account of the type (user).Here can with implication be electronic money still before the deadline, can be for user.A user's balance type type includes but not limited to following a few class:
1, the cash summation with the term of validity, this cash can come from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money etc.;
2, give amount of money summation.Giving the service provider that can be to provide electronic money is to give the amount of money to user while encouraging user to use, and for example user fills the service provider that is worth 1000 yuan at every turn and gives 100 yuan, and these 100 yuan are and give;
3,, without the cash summation of effect phase, this cash can come from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money etc.;
4,, with the term of validity with without the cash summation of effect phase, this cash can come from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money etc.
Type can distinguish by different type number, for example, in above-mentioned table 2, identify respectively respectively with 1,2,3 and 4, can certainly set voluntarily, as long as can distinguish different types.
Each user account_id can comprise one or more in the above-mentioned type, and every type of each user be recorded in this table is unique.As shown in table 2, user 1002 includes the cash total value with the term of validity, and totally 50 yuan, and give the amount of money, totally 10 yuan.
Below, the method at length above-mentioned electronic money with the term of validity being managed in different application scene in conjunction with specific embodiments describes.
inquiry and the front end of user to electronic money record shown
First, user is described inquiry and the operation of term of validity amount record table.User can set the information such as transaction record, consumer record and the current available remaining sum in the own account of certain condition query.
User is in the time need to inquiring about its electronic money amount of money with the term of validity in server end proper account and/or transaction record, and server end is carried out following operation steps to the database of storage user record, as shown in Figure 2:
All records that step 202. obtains inquiry in step 201 are according to the term of validity by sorting as far as near order, and the record after sequence is labeled as the first list.Here, closely refer to that current query time is nearer apart from the term of validity time, far refer to that current query time is far away apart from the term of validity time.
For example, table 3-1 shows the result of the first list generating after exemplary screening and sequencing.
| ID | account_id | recharge_money | expiry_date | create_time |
| 5 | 1004 | 30.00 | 2014-04-17 | 2013-02-27 |
| 4 | 1004 | 50.00 | 2014-04-7 | 2013-02-27 |
| 2 | 1004 | 20.00 | 2014-03-27 | 2013-03-27 |
Table 3-1 user's 1004 electronic money term of validity record sheet (the first list)
For example, table 3-2 shows the cash available balance data of the exemplary user's inquiry that is 1004 to Customs Assigned Number with the term of validity.In table 3-2, the cash overall balance with the term of validity that inquiry obtains this user is 40 yuan;
| account_id | type | free_money |
| 1004 | 3 | 40 |
Table 3-2 user's 1004 electronic money balance sheet example
Total available balance=total available balance-current available balance;
For example, table 3-3 shows the first list that the exemplary Customs Assigned Number with current available balance is 1004 user.
| ID | account_id | recharge_money | expiry_date | create_time | balance |
| 5 | 1004 | 30.00 | 2014-04-17 | 2013-02-27 | 30.00 |
| 4 | 1004 | 50.00 | 2014-04-7 | 2013-02-27 | 10.00 |
Table 3-3 is with the user's 1004 of current available balance electronic money term of validity record sheet
Electronic money term of validity record sheet according to the present invention does not allow any transaction record to delete and revise, and after by above-mentioned steps 201-205, the data in term of validity record sheet being screened, can present for user the list of recording of available balance.When front end shows described the first list, by the creation-time of record, carry out sequencing display from the near to the remote or by any one mode near.
When front end is shown, all records in this user's electronic money term of validity record sheet all can also be shown.Any condition sequencing display that the DISPLAY ORDER of this table can be set according to user, the condition that this user sets is for example the cash records that only inquiry has the term of validity, inquiry is with the term of validity with without cash records of effect phase etc.Ordering rule can be for example from the near to the remote or by as far as closely sorting by the creation-time of record.Here, closely refer to the record of up-to-date establishment, far refer to the record early creating.Preferably, can be according to the sequencing sequence of the creation-time of record., shown in following table 3-4, be for example the electronic money term of validity record sheet after sorting from the near to the remote according to creation-time.
| ID | account_id | recharge_money | expiry_date | create_time |
| 1 | 1004 | 100.00 | 2013-02-27 | 2013-04-27 |
| 2 | 1004 | 20.00 | 2014-03-27 | 2013-03-27 |
| 3 | 1004 | 30.00 | 2013-04-27 | 2013-02-27 |
| 4 | 1004 | 50.00 | 2014-04-7 | 2013-02-27 |
| 5 | 1004 | 30.00 | 2014-04-17 | 2013-02-27 |
Table 3-4 user's 1004 electronic money term of validity record sheet
Alternatively, the available balance that above-mentioned steps 201-210 can be calculated also represents to user simultaneously, and the mode of mating by ID is inserted in table 3-4, there is no the entry of available balance, and its available balance is designated as 0 yuan.Example as shown in Table 3-5,
| ID | account_id | recharge_money | expiry_date | create_time | balance |
| 1 | 1004 | 100.00 | 2013-02-27 | 2013-04-27 | 0.00 |
| 2 | 1004 | 20.00 | 2014-03-27 | 2013-03-27 | 0.00 |
| 3 | 1004 | 30.00 | 2013-04-27 | 2013-02-27 | 0.00 |
| 4 | 1004 | 50.00 | 2014-04-7 | 2013-02-27 | 10.00 |
| 5 | 1004 | 30.00 | 2014-04-17 | 2013-02-27 | 30.00 |
Table 3-4 user's 1004 the electronic money term of validity record sheet with available balance
In some cases, be limited to the display area size of display terminal, once can not show all records in user's electronics term of validity record sheet, need Pagination Display.In this case, when creating with the exhibition method of available balance, when user clicks the corresponding page, server end Query Database calculates and shows corresponding result.
the interpolation of record
Then, the interpolation operation of term of validity amount record table is described.Interpolation for term of validity amount record table is operating as, term of validity amount record table finally add again a record, and upgrade this user's balance sheet.The interpolation of record corresponding to user supplement operation with money, from the income of transferring accounts, the reimbursement of other people account or return money, service provider and the operation such as give.According to different classifications, upgrade the total value of respective classes in balance sheet.
Table 4-1 is below schematically illustrated in an example of having added a record in the term of validity amount record table of table 1.As shown in table 4, increased and numbered the record that ID is 4, wherein, and 100 yuan of recharge amounts, Customs Assigned Number is 1002, creates this supplement record with money Mays 27 in 2013, the use date of expiry of this amount of money is on May 27th, 2014.Table 4-2 has schematically shown the electronic money balance sheet example of having upgraded remaining sum, wherein corresponding to the remaining sum sum of the Class1 of user id1002, by original 50, is increased to 150.
| ID | account_id | recharge_money | expiry_date | create_time |
| 1 | 1004 | 100.00 | 2014-02-27 | 2013-02-27 |
| 2 | 1003 | 10.00 | 2014-03-27 | 2013-03-27 |
| 3 | 1004 | 100.00 | 2014-04-27 | 2013-04-27 |
| 4 | 1002 | 100.00 | 2014-04-27 | 2013-05-27 |
Table 4-1 has added the electronic money record sheet with the term of validity of record
| account_id | type | free_money |
| 1002 | 1 | 150 |
| 1002 | 2 | 10 |
| 1004 | 3 | 50 |
Table 4-2 has upgraded the electronic money balance sheet example of remaining sum
be recorded in turning mutually between different accounts
To its electronic money being transferred accounts to operate between different user or account, describe below.In some application scenario, it between different user, may be subordinate relation, such as the relation between parent company and subsidiary company, between main office and branch office, due to the needs of business, sometimes can from the account of parent company or main office, transfer accounts a part of electronic money in the account of subsidiary company or branch office.When in user A(less) and user B(receipt side) between while need to the electronic money amount of money in server end proper account turning mutually, server end is carried out respectively different operation stepss to the database of storage user record.
Particularly, for less user A, it is equivalent to deduct an expenditure from existing remaining sum.According to electronic money record sheet of the present invention, any record is not modified or deleted, therefore according to the present invention, when deducting certain amount of money from user A, the electronic money record sheet of user A is not carried out to any modification, only the total value of its electronic money balance sheet is modified.Service provider can carry out self-defining to the rule of withholing from user A, for example, can preferentially deduct the amount record with the term of validity, or will according to certain ratio, deduct with the term of validity with without the amount record of effect phase.Correspondingly, the remaining sum of respective type in the balance sheet of user A is deducted.
For receipt side user B, it is equivalent to increase an income.Because electronic money record sheet according to the present invention is without the source of distinguishing income, therefore only need in party B-subscriber's electronic money record sheet, increase corresponding amount received record.The mode increasing is as above described in " interpolation of record " one section.
If the amount of money of user B income is the amount of money with the term of validity, preferably in its electronic money record sheet, record equally the term of validity of this amount of money.The basis of design that in user B, each amount received records the term of validity calculates from the corresponding amount record of user A deduction.
For instance, when user A transfers accounts 30 yuan of amount of money with the term of validity during to user B, for user A, first the electronic money record sheet of inquiring user A, the electronic money term of validity record sheet that obtains the actual available balance of user A, the electronic money record sheet of an exemplary user A as shown in Table 5-1.The method of inquiring about and calculate actual available balance for example can be with reference to above-mentioned steps 201-210.
| ID | account_id | recharge_money | expiry_date | create_time | Balance |
| 5 | 1004 | 30.00 | 2014-04-17 | 2013-02-27 | 30.00 |
| 4 | 1004 | 50.00 | 2014-04-7 | 2013-02-27 | 10.00 |
Table 5-1 is with the electronic money term of validity record sheet of the side of the producing user A of current available balance
Preferably, transfer accounts and can carry out according to the rule that first turns the nearest record of the term of validity.As shown in Table 5-1, need to be that 4(expires at first from Record ID) the amount of money produce 10 yuan of available whole remaining sums, if now deduction remaining sum be still less than the amount of money (30 yuan) that need to transfer accounts, search the record of next date of expiry, be that ID is 5, deduct remaining 20 yuan.According to said method can determine the term of validity that produces the amount of money.Correspondingly, in the electronic money term of validity record sheet of the side of proceeding to user B, increase following two records, as shown in table 5-2,
| ID | account_id | recharge_money | expiry_date | create_time |
| 6 | 1002 | 10.00 | 2014-04-07 | 2013-03-27 |
| 7 | 1002 | 20.00 | 2014-04-17 | 2013-03-27 |
The electronic money record sheet with the term of validity after the renewal of the table 5-2 side of proceeding to user B
After transferring accounts successfully, can carry out front end displaying according to the remaining sum total value after the renewal of two parties after transferring accounts, exhibition method as described above, repeats no more.
the reimbursement of bill payment/account
Introduce below account is paid and the embodiment of reimbursement.The generation situation of bill payment for example pays for user uses the account, during as purchase commodity or service.The situation of carrying out reimbursement when the generation situation of account reimbursement is for example bought commodity or service for user, or when certain payment makes a mistake, by service provider, to user, returned the operation of all or part of amount of money.
When account pays, preferably, can set first the account amount of money of not crossing the term of validity is inquired about to check, then in the amount of money of not crossing the term of validity, first deduct the amount of money that the term of validity finishes at first.Reimbursement is the contrary operation of delivery operation.
The database manipulation mode of bill payment is similar to the above-mentioned less turning mutually in operation, and it is equivalent to deduct an expenditure from existing remaining sum.According to electronic money record sheet of the present invention, any record is not modified or deleted, therefore according to the present invention, when user A pays, the electronic money record sheet of user A is not carried out to any modification, only the total value of its electronic money balance sheet is modified.When the cash summation with the term of validity is non-vanishing in the electronic money balance sheet of user A, preferentially deduct the cash summation with the term of validity.If be not enough to pay with the cash summation of the term of validity, again to deducting the remaining amount of money without the cash summation of effect phase.Correspondingly, also need revising accordingly with the term of validity with without the cash summation entry of effect phase user.
In addition, when giving amount of money summation in the balance sheet of user A when non-vanishing, certain rule be can set, will the amount of money and band/without the cash summation of effect phase, carry out proportional deduction, to encourage user to carry out payment consumption be given.For example, following table 6-1 is current balance sheet of the user 1002, with the cash summation of the term of validity, is wherein 50 yuan, and giving amount of money summation is 10 yuan.
| account_id | type | free_money |
| 1002 | 1 | 50 |
| 1002 | 2 | 10 |
| 1002 | 3 | 100 |
User 1002 electronic money balance sheet before table 6-1 pays
If the Payment Proportion of setting cash with the term of validity and giving the amount of money is while being 9:1, when user has paid 10 yuan, the cash with the term of validity and give the amount of money 9 yuan and 1 yuan of corresponding deductions from user respectively, the user balance table after deduction is as shown as shown in 6-2.
| account_id | type | free_money |
| 1002 | 1 | 41 |
| 1002 | 2 | 9 |
| 1002 | 3 | 100 |
User 1002 electronic money balance sheet after table 6-2 pays
After deducting successfully, can carry out front end displaying according to the remaining sum total value after the renewal of user after deduction, exhibition method as described above, repeats no more.
When user need to while returning goods, produce reimbursement operation to the commodity of buying or service.The operation of reimbursement is equivalent to increase an income.Because electronic money record sheet according to the present invention is without the source of distinguishing income, therefore only need when user's reimbursement, in its electronic money record sheet, increase an amount record.The mode increasing is as above described in " interpolation of record " one section.
In the situation of reimbursement, the classification of the different amount of money that use in the time of can paying according to user is carried out corresponding reimbursement, thereby revises corresponding remaining sum item in user balance table.For example, if the amount of money that user claims for refund is the amount of money with the term of validity, while adding in its electronic money record sheet, also need to judge whether to exceed the term of validity, if do not exceed, can setting recovery the identical term of validity of this amount of money before paying; If exceed, can be that this amount of money is set a new term of validity, to encourage user to continue from now on to use.If the amount of money that user claims for refund be the amount of money of a part with the term of validity and a part without effect the phase the amount of money, when reimbursement in user's balance sheet according to pay time ratio increase accordingly.
withhold/account of account is returned money
Introduce below account is withholdd and returned the embodiment of money.When in for example user's of generation situation that account is withholdd account, certain amount of money has exceeded the term of validity, this amount of money cannot reuse, and need in database, operate accordingly.The generation situation that account is returned money for example refers in the case of user to be applied for returning money to service provider to certain in account electronic money that exceedes the term of validity, the operation that all or part of amount of money is returned after agreeing to by service provider.Returning money is the contrary operation of withholing and operating.
The database manipulation mode that account is withholdd is similar to above-mentioned expenditure operation, and it is equivalent to from existing remaining sum, deduct an expenditure, and this user's electronic money record sheet is without modifying.According to the present invention, preferably to the electronic money with the term of validity per diem for unit carries out record, in this case, server end is set and is carried out one time scan database query manipulation every day (for example every day 2:00 AM), and the computing method of upgrading user balance table are as follows:
1, the electronic money record sheet of retrieval user, inquires about this user at still undue whole electronic money record on the retrieval same day;
2, the electronic money amount of money of all undue all records is sued for peace.
3, the corresponding remaining sum item in the electronic money balance sheet of the inquiring user amount of money summation item of the term of validity (with), with in 2, calculate and compare, the smaller value in both is updated to the corresponding remaining sum item in user's electronic money balance sheet.
After withholing successfully, can carry out front end displaying according to the remaining sum total value after the renewal of user after deduction, exhibition method as described above, repeats no more.
The operation that account is returned money is a certain pen with the term of validity but the amount of money that exceeded its term of validity carries out term of validity recovery, is equivalent to increase an income.Because electronic money record sheet according to the present invention is without the source of distinguishing income, therefore only need when user's reimbursement, in its electronic money record sheet, increase an amount record.The mode increasing is as above described in " interpolation of record " one section.
In the situation of returning money, server can reset the term of validity of returning the money amount of money according to certain rule, for example, increases by one month from can being set as withholing successfully.Returning after money success, can carry out front end displaying according to the remaining sum total value of returning after the renewal of user after money, exhibition method as described above, repeats no more.
Utilize a kind of electronic money payment method with the term of validity of the present invention, can avoid the complicacy of electronic money account processing, only by inquiring about and increasing data-base recording, and can realize without Update Table storehouse record, transfer accounts, inquire about, conclude the business and withhold, pay, return the multiple management to the electronic money with the term of validity such as money, can realize the electronic money account processing of efficient stable.
In conjunction with the explanation of the present invention and the practice that disclose here, other embodiment of the present invention are easy to expect and understand for those skilled in the art.Illustrate with embodiment and be only considered to exemplary, true scope of the present invention and purport limit by claim.
Claims (10)
1. one kind has the electronic money management method of the term of validity, described method operates in service provider's the server of electronic money, user can carry out communication for inquiry or the described electronic money of concluding the business by network and described server by user's logging device or mobile terminal, described server comprises database and application interface, in described database, for the form take tables of data, as user stores, there is the data recording of term of validity electronic money, described in there is term of validity electronic money data logger comprise:
Electronic money term of validity record sheet, it comprises at least one record, every record comprises following data item: record number, Customs Assigned Number, the electronic money amount of money, the amount of money term of validity, and record creation-time; And
Electronic money balance sheet, it comprises at least one record, every record comprises following data item: Customs Assigned Number, total available balance, and the type of total available balance;
Wherein, described electronic money term of validity record sheet is undertaken associated with described electronic money balance sheet by described Customs Assigned Number data item, by only described electronic money term of validity record sheet being inquired about or being increased record, and total available balance data item of described electronic money balance sheet is modified to realize inquiry, the front end of user to electronic money record and show and transaction.
2. method according to claim 1, described electronic money trading is selected from supplement with money, mutually turn operation, bill payment operation, account reimbursement operation, account withhold operation and the account of the amount of money between different accounts return money operation.
3. method according to claim 1, is characterized in that, when described user is during to the query manipulation of electronic money record, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet:
A) inquire about described electronic money term of validity record sheet, filter out all records that wherein do not exceed the term of validity,
B) according to the term of validity by sorting as far as near order, obtain the first list;
C) inquire about the total available balance of the user of corresponding described querying condition in described electronic money balance sheet;
D) set the pointer of described the first list, point to the Article 1 record after described first row list sorting;
E) for the record of described pointed creates current available balance entry, and read the electronic money amount field in described record;
F) judge whether the described electronic money amount of money is less than described total available balance, if enter step g; Otherwise enter step I;
G) the current available balance entry to this record by described electronic money amount record;
H) upgrade described total available balance, and by next record moving to after pointer in described the first list, return to described step e;
I) described total available balance is recorded to the current available balance entry of the described record in described the first list;
J) show the record that comprises current available balance entry in described the first list.
4. method according to claim 3, is characterized in that, when when front end shows described the first list, by the creation-time of record, carries out sequencing display from the near to the remote or by any one mode near.
5. method according to claim 1, is characterized in that, the type of described total available balance comprises:
With the cash summation of the term of validity, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money;
Give amount of money summation, it gives the amount of money to user for described service provider;
Without the cash summation of effect phase, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money;
With the term of validity with without the cash summation of effect phase, it is from the supplementing with money of user, from the income of transferring accounts, the reimbursement of other people account or return money.
6. method according to claim 1, it is characterized in that, when described user supplement with money, from the income of transferring accounts, the reimbursement of other people account or when returning money, service provider and giving operation, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet:
At record of last interpolation of described electronic money term of validity record sheet, and according to different classifications, upgrade total available balance of respective classes in electronic money balance sheet.
7. method according to claim 5, is characterized in that, when described user turns mutually operation between different accounts, described database is carried out following steps to described electronic money term of validity record sheet and described electronic money balance sheet:
Remaining sum to respective type in described less user's described electronic money balance sheet is deducted the corresponding amount of money, and wherein the amount record in the described cash summation with the term of validity of preferential deduction is maybe by the amount record in the cash summation with the term of validity with give amount of money summation and deduct according to certain ratio;
In receipt side user's described electronic money term of validity record sheet, increase corresponding amount record, the described amount of money corresponding to less transfer accounts expenditure the amount of money, if the side of producing produces the amount of money with the term of validity, calculate the actual available balance entry of the electronic money term of validity record sheet of the side of producing, the term of validity of the corresponding amount record that receipt side increases is corresponding to the term of validity corresponding to entry of the corresponding available balance of the described side's of producing deduction.
8. method according to claim 1, it is characterized in that, when user carries out delivery operation, total available balance of the respective type of the described electronic money balance sheet of described database to described user is deducted, and wherein preferentially deducts the cash summation with the term of validity.
9. method according to claim 1, it is characterized in that, when user carries out reimbursement or return money operation, described database is to adding a record in described user's described electronic money term of validity record sheet, the amount of money of described record is corresponding to institute's reimbursement or return the amount of money of money, and total available balance of the respective type to described electronic money balance sheet amount of money of upgrading to increase institute's reimbursement or returning money.
10. method according to claim 1, it is characterized in that, the electronic money term of validity record sheet scan for inquiries operation of user in described database is carried out in described server timing, has exceeded the electronic money amount record of the term of validity for deducting user, and described deduction comprises the steps:
A) retrieve described user's electronic money record sheet, inquire about this user at described server still undue whole electronic money record on the scanning same day;
B) the electronic money amount of money of all undue all records in step a is sued for peace;
C) inquire about the corresponding remaining sum item in described user's electronic money balance sheet, with in step b, calculate and compare, the smaller value in both is updated to the corresponding remaining sum item in described user's electronic money balance sheet.
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| CN111695886A (en) * | 2020-06-12 | 2020-09-22 | 百度在线网络技术（北京）有限公司 | Accounting method and device for virtual currency, electronic equipment and readable storage medium |
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