CN103745402B - A kind of electronic money management method with the term of validity - Google Patents
A kind of electronic money management method with the term of validity Download PDFInfo
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Abstract
The invention provides a kind of electronic money management method with the term of validity.User can carry out communication by network and the server and be used for the electronic money of inquiring about or merchandise, the server includes database and application interface, it is used to for data record of user's storage with term of validity electronic money, the data logger with term of validity electronic money include in the form of tables of data in the database：Electronic money term of validity record sheet, it includes at least one record, and every record includes 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 includes at least one record, and every record includes following data item：Customs Assigned Number, total available balance, and the type of total available balance.Methods described is only by inquiring about and increasing data-base recording, you can realization is transferred accounts, inquired about, merchandising and withhold, pay, returning a variety of processing such as money.
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
With the continuous development and popularization of Internet technology, world information economy and development of globalization cause currency conversion and
Electronic transaction becomes increasingly frequently, so as to generate electronic money.Electronic money (Electronic Money) is with financial electricity
Based on sonization network, using commercial electronic equipment and all kinds of transactional cards as medium, with electronic computer technology and the communication technology
For means, with electronic data（Binary data）Form is stored in the computer system of bank, and passes through computer network system
Unite and the currency of circulation and payment function is realized in the form of electronic information is transmitted.It can be in a manner of number be kept accounts instead of using existing
The money-system of gold transaction.Electronic money effectively improves the efficiency and safety of transaction, such as consumer need not carry buckets of cash,
Trade company counts cash without human hand simultaneously.Process of exchange is mainly completed by financial institution or P2P systems, therefore security is very big
Raising.
At present, enriching with the service business species based on electronic money, and the account of the user to electronic money
The complication of the function such as funds transaction and account management, the data processing method of traditional electronic money generate more and more
Problem.Such as, it is necessary to classify to the remaining sum in account in the processing of the electronic money payment with the term of validity, and it is right
Every class money in remaining sum is based on class of business and carries out selective withhold.In this case, traditional cyber money account management
System needs cooperation business that the data such as the term of validity of account are carried out with substantial amounts of calculating and then result is updated into database again
In relative recording table, therefore there is a possibility that to collapse payment system when amount of calculation is excessive.
In addition, when businessman carries out advertising campaign to user, the electronic money of user's certain amount is often given, these
Giving can give in proportion when user supplements with money with recharge amount, or directly give to user.Current original remaining sum account
Family system, basic funds transaction and account management function can only be provided the user, lifting and user for business sales volume
Enthusiasm for remaining sum consumption etc. can not provide help and support.The existing electronic money management system with the term of validity is usual
There is the defects of following several respects：
1st, how much every term of validity record without normal direction user real-time exhibition user also remains.Only system is operating every time
User's residue amount due in term of validity record sheet is all updated during remaining sum, can just accomplish every term of validity of real-time display user
How much record also remains.But so it can bring white elephant to system.
2nd, when user needs to be transferred accounts the electronic money with the term of validity（Such as transfer accounts to other users）, it is existing
Electronic money management system can not also solve the part with the term of validity in remaining sum be present, the account without term of validity remaining sum can only be turned
The remaining sum at family.Because the calculating and renewal that are needed when transferring accounts there may be the operation of mass data storehouse so as to drag slow or even wear down whole
Individual payment system.
3rd, existing program of deducting fees is the simple amount of money for deducting user, and user is not aware that oneself by how many remaining sum
When will deducted.And it may cause to deduct fees unsuccessfully if user balance changes during deducting fees.Deducting fees
It is preceding also when how much to expire without prompting user.
4th, when user is wanted by supplementing with money to extend the remaining sum term of validity, existing mode is on the amount of money and term of validity time
Manual oversight is needed, efficiency is low, lacks unified effective management.
Therefore, it is necessary to which a kind of management method of the effective electronic money with the term of validity, is avoided at cyber money account
The complexity of reason, realize the cyber money account processing of efficient stable.
The content of the invention
It is an object of the invention to provide a kind of electronic money payment method with the term of validity.
According to an aspect of the invention, there is provided a kind of electronic money management method with the term of validity, methods described
Operate in the server of the service provider of electronic money, user can pass through network by user's logging device or mobile terminal
Communication is carried out with the server and is used for the electronic money of inquiring about or merchandise, and the server includes database and application connects
Mouthful, it is used in the database for data record of user's storage with term of validity electronic money in the form of tables of data, it is described
Data logger with term of validity electronic money includes：Electronic money term of validity record sheet, it includes at least one record, often
Bar record includes following data item：Record number, Customs Assigned Number, the electronic money amount of money, the amount of money term of validity, and during record establishment
Between；And electronic money balance sheet, it includes at least one record, and every record includes following data item：Customs Assigned Number, always may be used
With remaining sum, and the type of total available balance；Wherein, the electronic money term of validity record sheet and the electronic money balance sheet
It is associated by the Customs Assigned Number data item, is remembered by only inquiring about the electronic money term of validity record sheet or increasing
Record, and electronic money is recorded to realize user is modified to total available balance data item of the electronic money balance sheet
Inquiry, front end displaying and transaction.
Preferably, to the electronic money trading be selected from supplement with money, the amount of money between different accounts mutually turn operation, account branch
Pay operation, account reimbursement operation, account withhold operation and account is returned money and operated.
Preferably, when the inquiry operation that the user records to electronic money, the database is to the electronic money
Term of validity record sheet and the electronic money balance sheet perform following steps：A) the electronic money term of validity record sheet is inquired about,
Filter out wherein not less than all records of the term of validity, b) according to the term of validity by as far as near order sequence, obtaining first list；
C) the total available balance of the user that corresponds to the querying condition is inquired about in the electronic money balance sheet；D) first row is set
The pointer of table, point to first record after the first list sequence；E) create for the record that the pointer points to and currently may be used
With remaining sum entry, and read the electronic money amount field in the record；F) judge whether the electronic money amount of money is less than
Total available balance, if then entering step g；Otherwise step i is entered；G) by the electronic money amount record to this note
The currently available remaining sum entry of record；H) total available balance is updated, and it is next in the first list by being moved to after pointer
Bar records, and returns to the step e；I) the current of the record for recording total available balance into the first list can
With remaining sum entry；J) record for including currently available remaining sum entry in the first list is shown.
Preferably, when showing the first list in front end, by the creation time of record from the near to the remote or by as far as near
In any one mode be ranked up display.
Preferably, the type of total available balance includes：Cash summation with the term of validity, its supplementing with money from user,
From the income of transferring accounts of other people accounts, reimbursement or return money；Amount of money summation is given, it gives the amount of money to user for the service provider；
Without the cash summation of the term of validity, its supplementing with money from user, the income of transferring accounts from other people accounts, reimbursement or money is returned；Band is effectively
Phase and the cash summation without the term of validity, its supplementing with money from user, the income of transferring accounts from other people accounts, reimbursement or return money.
Preferably, when the user supplemented with money, the income of transferring accounts from other people accounts, reimbursement or return money, service provider gives
During operation, the database performs following steps to the electronic money term of validity record sheet and the electronic money balance sheet：
Updated in the record of last addition one of the electronic money term of validity record sheet, and according to different classifications more than electronic money
Total available balance of respective classes in volume table.
Preferably, when the user carries out mutually turning operation between different accounts, the database is to the electronics goods
Coin term of validity record sheet and the electronic money balance sheet perform following steps：To the electronic money of the less user
The remaining sum of respective type is deducted the corresponding amount of money in balance sheet, wherein preferentially deducting in the cash summation with the term of validity
Amount record or by the amount record in the cash summation with the term of validity and give amount of money summation and carried out according to certain ratio
Deduct；Increase corresponding amount record in the electronic money term of validity record sheet of receipt side user, the amount of money is corresponding
The amount of money for expenditure of being transferred accounts in less, if the amount of money that produces for the side of producing carries the term of validity, the electronic money for calculating the side of producing has
The actually available remaining sum entry of effect phase record sheet, the term of validity of the increased corresponding amount record of receipt side correspond to the side of producing
Deduct the term of validity corresponding to the entry of corresponding available balance.
Preferably, when user carries out delivery operation, the electronic money balance sheet of the database to the user
Total available balance of respective type be deducted, wherein preferentially deducting the cash summation with the term of validity.
Preferably, when user carries out reimbursement or returns money operation, the electronic money of the database to the user
A record is added in term of validity record sheet, the amount of money of the record corresponds to institute's reimbursement or returns the amount of money of money, and to the electricity
Total available balance of the respective type of sub- idle money balance table updates to increase reimbursement or returns the amount of money of money.
Preferably, the electronic money term of validity that the server timing carries out user in the database records table scan and looked into
Operation is ask, the electronic money amount record of the term of validity is alreadyd exceed for deducting user, the deduction comprises the following steps：A) examine
The electronic money record sheet of Suo Suoshu user, inquire about the user and scan the same day still undue whole electronics goods in the server
Coin records；B) the electronic money amount of money of all undue all records in step a is summed；C) inquire about the user's
Corresponding remaining sum item in electronic money balance sheet, with it is being calculated in step b and compared with, by the smaller value in both more
It is newly the corresponding remaining sum item in the electronic money balance sheet of the user.
Using a kind of electronic money payment method with the term of validity of the present invention, cyber money account can be avoided to handle
Complexity, only by inquiring about and increasing data-base recording, can be achieved to transfer accounts, inquire about, hand over without changing data-base recording
Easily withhold, pay, returning a variety of management to the electronic money with the term of validity such as money, the electronic money of efficient stable can be realized
Account processing.
Brief description of the drawings
With reference to the accompanying drawing enclosed, the present invention more purpose, function and advantages will pass through the as follows of embodiment of the present invention
Description is illustrated, wherein：
Fig. 1 diagrammatically illustrates the department of computer science for performing the electronic money management method with the term of validity according to the present invention
System block diagram.
Fig. 2 is shown when user needs to inquire about its gold of the electronic money with the term of validity in server end proper account
When volume and/or transaction record, the method and step of database execution of the server end to storage user record.
Embodiment
By reference to one exemplary embodiment, the purpose of the present invention and function and the side for realizing these purposes and function
Method will be illustrated.However, the present invention is not limited to one exemplary embodiment as disclosed below；Can by multi-form come
It is realized.The essence of specification is only to aid in the detail of the various equivalent modifications Integrated Understanding present invention.
Hereinafter, embodiments of the invention will be described with reference to the drawings.In the accompanying drawings, identical reference represents identical
Or similar part, or same or like step.
Fig. 1 diagrammatically illustrates the department of computer science for performing the electronic money management method with the term of validity according to the present invention
System block diagram.As shown in figure 1, the service of electronic money is operated according to the electronic money management method with the term of validity of the present invention
In the server 103 of provider, network and service can be passed through by user's logging device 101 or mobile terminal 102 by user
Device 103 is communicated.User's logging device 101 or mobile terminal 102 are hereinafter also referred to as front end, for electronic money
The operations such as inquiry, transaction are shown.Server 103 can be located at long-range Cloud Server, including database 105 and application
Interface（API）104, be used in database 105 storing it in the form of tables of data for user has the term of validity according to the present invention
The data record of electronic money.
User can pass through API104 login service devices by user's logging device 101 or mobile terminal 102 by network
103, to inquire about, accordingly the electronic money with the term of validity records in detail corresponding to its account.When user carries out electricity by API104
The transactional operation of sub- currency, such as supplement with money, transfer accounts, claim for refund, corresponding data in the meeting reading database 105 of server 103
Record, perform and respective record is operated according to the electronic money management method of the present invention.In addition, when the service of electronic money
Provider needs to operate the electronic money of user, such as gives a number of electronics goods with the specific term of validity of user
When coin, approval reimbursement etc., corresponding data record in the meeting reading database 105 of server 103, the electronics according to the present invention is performed
Money management method operates to respective record.
Preferably, server 103 can also be other for database 105 according to providing the operational requirements of electronic money
Application programming interfaces（Not shown in figure）, such as financial accounting, safety guarantee.
Refer to that the use of electronic money is limited by the term of validity according to the term of validity electronic money of the present invention.If for example, one
The amount of money of electronic money is 100 yuan, and the term of validity is on January 3rd, 2014, then user must be before 3 days January in 2014（Containing 1
The moon 3）This amount of money is consumed, otherwise this amount of money exceedes the term of validity and can not reused.The electronics goods hereinafter mentioned
Coin transaction includes but is not limited to supplement with money, transferring accounts between different user account, reimbursement, deducts fees, returns money etc..
The establishment of electronic money record data table with the term of validity
The record of the electronic money with the term of validity of user in database by creating electronic money term of validity record sheet
Managed with two tables of electronic money balance sheet.
Table 1 diagrammatically illustrates the term of validity gold using a kind of electronic money payment method with the term of validity of the present invention
One of volume record sheet.
| 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 carries 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 with [record number:User compiles
Number:Recharge amount:Currency expired time:Record creation time] form stored.Wherein, ID represents a term of validity gold
The record number of volume record, the identity that account_id is user is Customs Assigned Number；Recharge_money is with the term of validity
The electronic money amount of money, the amount of money may be from the supplementing with money of user, reimbursement, transfers accounts and returns money etc., and the value of the amount of money is >=0；
Expiry_date uses expiration time for the term of validity amount record；Create_time is the wound of the term of validity amount record
The time is built, when being shown on foreground, this field create_time can be utilized to all record orderings.
In above-mentioned electronic money term of validity record sheet, the source of each electronic money is not made a distinction, i.e., need not
It is to be supplemented with money from user, income of transferring accounts, reimbursement income, return money income or service provider such as gives at the form to distinguish this amount of money.
In order to simplify the processing efficiently completed to the account data of electronic money, the present invention is merely with two kinds of data manipulations
Mode completes the processing to electronic money term of validity record sheet.Described two data manipulation modes are：Inquiry operation and addition
Operation, ensure that trackability that every data each operates.In addition, forbid deleting according to the tables of data mode of operation of the present invention
Modified except record and to record so that the data stability and security of tables of data greatly reinforce, especially suitable for multiple
In the distributed system that one tables of data of server or terminal-pair is operated.
For term of validity amount record table query statement for example：
select*from gift_expiry where account_id=order by create_time；
Wherein, gift_expiry is the table name for the electronic money record sheet to be operated, now by meeting inquiring about
According to the creation time of record, i.e. create_time fields are ranked up all records of condition.And it is directed to account_id words
Section creates database index.
For term of validity amount record table inquiry operation can according to term of validity amount record establishment order or expire
Order is shown.In the expired time display according to record, i.e., it is ranked up and is arranged according to expiry_date fields
Sequence, query statement are for example as follows：
select*from gift_expiry where account_id=?and expiry_date>?order by
expiry_date；
Table 2 shows the establishment exemplary forms of electronic money balance sheet.
| account_id | type | free_money |
| 1002 | 1 | 50 |
| 1002 | 2 | 10 |
| 1004 | 3 | 50 |
The electronic money balance sheet example of table 2
As shown in table 2, the account_id in electronic money balance sheet represents remaining sum（balance）The identity of user in table
That is Customs Assigned Number, for being associated with the account_id in above-mentioned electronic money term of validity record sheet；Type represents different
The amount of money remaining sum of the electronic money of type, free_money fields are the type lower account（User）Total available balance.This
In available implication be electronic money still before the deadline, can be for users to use.The balance type type of one user include but
It is not limited to following a few classes：
1st, the cash summation with the term of validity, the cash may come from the supplementing with money of user, from the incomes of transferring accounts of other people accounts,
Reimbursement returns money etc.；
2nd, amount of money summation is given.Give can be to provide the service provider of electronic money for encourage user using when give to
The amount of money at family, such as user supplement 1000 meta service business with money and give 100 yuan every time, and this 100 yuan are to give；
3rd, without the cash summation of the term of validity, the cash may come from the supplementing with money of user, the receipts of transferring accounts from other people accounts
Enter, reimbursement or return money etc.；
4th, the cash summation with the term of validity and without the term of validity, the cash may come from supplementing with money, being acknowledged a debt from him for user
The income of transferring accounts at family, reimbursement return money etc..
Type can be made a distinction with different type numbers, such as be marked respectively with 1,2,3 and 4 respectively in above-mentioned table 2
Know, naturally it is also possible to sets itself, as long as different types can be distinguished.
Each user account_id can include the one or more in the above-mentioned type, and each user's is each type of
Record is unique in the table.As shown in table 2, user 1002 includes the cash total value with the term of validity, totally 50 yuan, and
The amount of money is given, totally 10 yuan.
Hereinafter, the above-mentioned electronic money with the term of validity is entered in different application scene in detail in conjunction with specific embodiments
The method of row management illustrates.
The inquiry and front end displaying that user records to electronic money
First, inquiry of the user to term of validity amount record table and operation are illustrated.User can set necessarily
Condition query oneself account in the information such as transaction record, consumer record and currently available remaining sum.
User when need to inquire about its in server end proper account with the electronic money amount of money of the term of validity and/or friendship
When easily recording, server end performs following operating procedure to the database for storing user record, as shown in Figure 2：
Step 201. inquires about the electronic money term of validity record sheet, filter out it is corresponding inquire about user wherein not less than
All records of the term of validity；
Step 202. is by all records for inquiring about to obtain in step 201 according to the term of validity by being arranged as far as near order
Sequence, the recording mark after sequence are first list.Here, closely refer to that current query time is nearer apart from the term of validity time, far
Refer to current query time apart from the term of validity time farther out.
For example, table 3-1 shows the result of the first list generated 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 |
The electronic money term of validity record sheet of table 3-1 user 1004（First list）
Total available balance of user in step 203. inquiry electronic money balance sheet.Specifically, using the Customs Assigned Number as rope
Draw, the querying condition met in step 201 for inquiring about the user limits the electronic money balance sheet of type, and record queries obtain
Total available balance.
For example, table 3-2 shows that the exemplary cash that the term of validity is carried to user's inquiry that Customs Assigned Number is 1004 can
Use balance data.In table 3-2, the cash overall balance with the term of validity that inquiry obtains the user is 40 yuan；
| account_id | type | free_money |
| 1004 | 3 | 40 |
The electronic money balance sheet example of table 3-2 user 1004
Step 204. sets the pointer of first list, points to first record after first list sequence；
Step 205. reads the signified record of current pointer, is recorded for this and creates currently available remaining sum（balance）Entry,
And read the electronic money amount field in record, i.e. recharge_money fields.
Step 206. judges whether the electronic money amount of money of the signified record of pointer is less than total available balance in step 203,
If then enter step 207；Otherwise step 209 is entered.
Step 207. records the amount of money number in recharge_money fields to this record in first list
Currently available remaining sum entry.
Step 208. updates total available balance, and pointer is moved on to next record of first list, return to step 205,
Wherein, the computational methods for updating total available balance are：
Total available balance=total available balance-currently available remaining sum；
Step 209. records total available balance to the currently available remaining sum entry of this record in first list, enters
Step 210.
Step 210. shows the record for including currently available remaining sum entry in first list.Preferably, can be by given row
Sequence rule shows first list, for example, according to the creation time of each record by being shown after closely or from the near to the remote sorting,
Or can be according to the term of validity expiration time of each record by being shown after closely or from the near to the remote sorting.
For example, table 3-3 shows the first of the user that the exemplary Customs Assigned Number with currently available remaining sum is 1004
List.
| 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 |
The electronic money term of validity record sheet of users 1004 of the table 3-3 with currently available remaining sum
Do not allow any transaction record is deleted and changed according to the electronic money term of validity record sheet of the present invention, lead to
Cross after above-mentioned steps 201-205 screens to the data in term of validity record sheet, can be that user show available balance
Record list.When showing the first list in front end, by the creation time of record from the near to the remote or by appointing near
A kind of mode of anticipating is ranked up display.
When being shown in front end, all records in the electronic money term of validity record sheet of the user can also be shown
Show.Any condition sequencing display that the display order of the table can be set according to user, the condition of user setting is, for example, only
Cash records of the inquiry with the term of validity, inquiry carry the term of validity and the cash records without the term of validity etc..Ordering rule example
Such as can be the creation time by record from the near to the remote or by as far as being closely ranked up.Here, the record of newest establishment is closely referred to,
The remote record for referring to more early create.Preferably, can be sorted according to the sequencing of the creation time of record.Such as table 3 below -4
It is shown, it is the electronic money term of validity record sheet after being sorted 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 |
The electronic money term of validity record sheet of table 3-4 user 1004
It is alternatively possible to which the available balance that above-mentioned steps 201-210 is calculated also while is presented to user, that is, pass through
The mode of ID matchings is inserted into table 3-4, and without the entry of available balance, its available balance is designated as 0 yuan.Such as table 3-5 institutes
Show,
| 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 |
The electronic money term of validity record sheet with available balance of table 3-4 user 1004
The display size of display terminal in some cases, is being limited to, can not once show that the electronics of user is effective
All records in phase record sheet, need Pagination Display.In this case, when creating the exhibition method with available balance,
When user clicks the corresponding page, server end inquiry database is calculated and shows corresponding result.
The addition of record
Then, the addition operation to term of validity amount record table illustrates.Addition for term of validity amount record table
Operate and be, last in term of validity amount record table adds a record, and update the balance sheet of the user again.The addition of record
Supplementing operation, the income of transferring accounts from other people accounts, reimbursement with money or return money, the operation such as service provider gives corresponding to user.According to not
With classification update the total value of respective classes in balance sheet.
Following table 4-1, which is schematically illustrated in, with the addition of one recorded in the term of validity amount record table of table 1.
As shown in table 4, the record that numbering ID is 4 is added, wherein, 100 yuan of recharge amount, Customs Assigned Number 1002, in May, 2013
27, which create this, supplements record with money, and the amount of money is on May 27th, 2014 using the Expiration Date.Table 4-2, which is diagrammatically illustrated, have updated
The electronic money balance sheet example of remaining sum, wherein being increased corresponding to the remaining sum sum of user id1002 Class1 by original 50
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 with the addition of 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 have updated the electronic money balance sheet example of remaining sum
Mutual turn be recorded between different accounts
Illustrated below to carrying out transfer operation to its electronic money between different user or account.In some applied fields
It is probably the pass between subordinate relation, such as parent company and subsidiary, between parent company and branch company in conjunction, between different user
System, due to the needs of business, sometimes it may require that from a part of electronic money of being transferred accounts in the account of parent company or parent company to son
In the account of company or branch company.When in user A（Less）With user B（Receipt side）Between need account corresponding in server end
When the indoor electronic money amount of money is mutually turned, server end performs different operations respectively to the database for storing user record
Step.
Specifically, for less user A, it from existing remaining sum equivalent to having deducted an expenditure.According to
The electronic money record sheet of the present invention is not modified or deleted to any one record, therefore according to the present invention, when from
When certain amount of money is deducted in the A of family, any modification is not carried out to user A electronic money record sheet, only to more than its electronic money
The total value of volume table is modified.Service provider can carry out self-defining to the rule withholdd from user A, such as can be with excellent
The amount record with the term of validity is first deducted, or will be entered with the term of validity and without the amount record of the term of validity according to certain ratio
Row deducts.Correspondingly, the remaining sum of respective type in user A balance sheet is deducted.
For receipt side user B, it is equivalent to adding an income.Because the electronic money according to the present invention is remembered
Table is recorded without distinguishing the source of income, therefore need to only increase corresponding amount received note in the electronic money record sheet of party B-subscriber
Record.Increased mode is as described in one section of " addition of record " above.
If the amount of money of user B incomes is the amount of money with the term of validity, preferably equally remember in its electronic money record sheet
Record the term of validity of the amount of money.The corresponding gold that the basis of design of each amount received record term of validity deducts from user A in user B
Volume record is calculated.
For example, when user A transfers accounts 30 yuan of amount of money with the term of validity to user B, for user A, inquiry first is used
Family A electronic money record sheet, the electronic money term of validity record sheet of user A actually available remaining sum is obtained, one exemplary
User A electronic money record sheet as shown in Table 5-1.The method for inquiring about and calculating actually available remaining sum for example may be referred to
State step 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 |
Produce side user As of the table 5-1 with currently available remaining sum electronic money term of validity record sheet
Preferably, transferring accounts can be carried out according to the rule for first turning the nearest record of the term of validity.As shown in Table 5-1, that is, need
It is 4 from Record ID（Expire at first）The amount of money in produce available 10 yuan of whole remaining sums, if now deduct remaining sum still less than
Need the amount of money transferred accounts（30 yuan）, then the record of next Expiration Date is searched, i.e. ID is 5, deducts remaining 20 yuan.According to said method
It can determine that the term of validity for producing the amount of money.Correspondingly, in the side of being transferred to user B electronic money term of validity record sheet, increase is such as
Lower 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 table 5-2 sides of being transferred to user B renewal
After transferring accounts successfully, front end displaying, exhibition can be carried out according to the remaining sum total value after the renewals of two parties after transferring accounts
Show that mode as described above, repeats no more.
Bill payment/account reimbursement
It is described below and account is paid and the embodiment of reimbursement.The generation situation of bill payment is, for example, that user uses
The account is paid, when such as buying commodity or service.The generation situation of account reimbursement is, for example, that user buys commodity or service
The situation of Shi Jinhang reimbursements, or when paying and making a mistake for certain, all or part of amount of money is returned from service provider to user
Operation.
When account is paid, it is preferable that it can set and inquiry inspection first is carried out to the account amount of money for not crossing the term of validity,
Then the amount of money that the term of validity terminates at first is first deducted in the amount of money for not crossing the term of validity.Reimbursement is the contrary operation of delivery operation.
The database manipulation mode of bill payment is similar to the above-mentioned less mutually turned in operation, and it is equivalent to from existing
An expenditure has been deducted in remaining sum.Any one record is not modified or deleted according to the electronic money record sheet of the present invention
Remove, therefore according to the present invention, when user A is paid, any modification is not carried out to user A electronic money record sheet, only
The total value of its electronic money balance sheet is modified.When the cash summation with the term of validity in user A electronic money balance sheet
When being not zero, the cash summation with the term of validity is preferentially deducted.If the cash summation with the term of validity is not enough to pay, then to without
The cash summation of the term of validity deducts the remaining amount of money.Correspondingly, the cash with the term of validity and without the term of validity to user is also needed
Summation entry is changed accordingly.
In addition, when giving amount of money summation in user A balance sheet and being not zero, certain rule can be set, will be given
The amount of money and band/without the term of validity cash summation carry out proportional deduction, with encourage user carry out payment consumption.For example, following table
6-1 is the current balance table of user 1002, wherein the cash summation with the term of validity is 50 yuan, gives amount of money summation as 10 yuan.
| account_id | type | free_money |
| 1002 | 1 | 50 |
| 1002 | 2 | 10 |
| 1002 | 3 | 100 |
The electronic money balance sheet of user 1002 before table 6-1 is paid
If set the cash with the term of validity and give the Payment Proportion of the amount of money as 9:When 1, when user pays 10 yuan, point
Not from cash of the user with the term of validity and give corresponding 9 yuan and 1 yuan of deduction, the user balance table such as table 6-2 after deduction in the amount of money
It is shown.
| account_id | type | free_money |
| 1002 | 1 | 41 |
| 1002 | 2 | 9 |
| 1002 | 3 | 100 |
The electronic money balance sheet of user 1002 after table 6-2 is paid
After deducting successfully, front end displaying, displaying side can be carried out according to the remaining sum total value after the renewal of user after deduction
Formula as described above, repeats no more.
When user needs to return goods to the commodity of purchase or service, that is, produce reimbursement operation.The operation of reimbursement is suitable
In adding an income.Due to source of the electronic money record sheet according to the present invention without distinguishing income, therefore only need to be
Increase an amount record during user's reimbursement in its electronic money record sheet.Increased mode is as " record adds above
Add " described in one section.
In the situation of reimbursement, the classification of used different amount of money when can be paid according to user is moved back accordingly
Money, so as to change corresponding remaining sum item in user balance table.For example, if the amount of money of reimbursement required by user is the gold with the term of validity
Volume, then in its electronic money record sheet add when also need to judge whether to exceed the term of validity, if not exceeded, then can setting recovery this
The amount of money pay before the identical term of validity；Can be that this amount of money sets a new term of validity, to encourage to use if having exceeded
Family is continuing with from now on.If the amount of money of reimbursement required by user is a part of amount of money with the term of validity and a part without the term of validity
The amount of money, then in reimbursement in the balance sheet of user according to pay when ratio accordingly increased.
Account withholds/and account returns money
The embodiment that money is withholdd and returned to account is described below.The account for the generation situation such as user that account is withholdd
In certain amount of money when having exceeded the term of validity, then this amount of money can not reuse, and need to be operated accordingly in database.Account
The electronic money that the generation situation that money is returned at family for example refers to exceed certain in account in user the term of validity is carried out to service provider
In the case that money is returned in application, the operation of all or part of amount of money is returned by service provider after agreeing to.It is the reverse behaviour of operation of withholing to return money
Make.
The database manipulation mode that account is withholdd is similar to above-mentioned expenditure and operated, and it is detained equivalent to from existing remaining sum
Except an expenditure, and the electronic money record sheet of the user need not modify.In accordance with the present invention it is preferred that to effective
The electronic money of phase is per diem recorded for unit, and in this case, server end setting is daily（Such as daily 2:00 AM）
A scan database inquiry operation is carried out, the computational methods for updating user balance table are as follows：
1st, the electronic money record sheet of user is retrieved, inquires about the user in the retrieval same day still undue whole electronic money
Record；
2nd, the electronic money amount of money of all undue all records is summed.
3rd, the corresponding remaining sum item inquired about in the electronic money balance sheet of user（Carry the amount of money summation item of the term of validity）, with
Be calculated in 2 with compare, the smaller value in both is updated to corresponding remaining in the electronic money balance sheet of user
Volume item.
After withholing successfully, front end displaying, displaying side can be carried out according to the remaining sum total value after the renewal of user after deduction
Formula as described above, repeats no more.
The operation that account returns money is that a certain pen is with the term of validity but extensive more than the amount of money progress term of validity of its term of validity
It is multiple, equivalent to adding an income.Because the electronic money record sheet according to the present invention is without distinguishing the source taken in, therefore
An amount record need to only be increased in its electronic money record sheet in user's reimbursement.Increased mode as " remembered above
Described in one section of the addition of record ".
In the situation of money is returned, server can be set again according to certain rule to the term of validity for returning the money amount of money
It is fixed, for example, it can be set to increase by one month from withholing successfully., can be according to user after returning money more after money success is returned
Remaining sum total value after new carries out front end displaying, and exhibition method as described above, repeats no more.
Using a kind of electronic money payment method with the term of validity of the present invention, cyber money account can be avoided to handle
Complexity, only by inquiring about and increasing data-base recording, can be achieved to transfer accounts, inquire about, hand over without changing data-base recording
Easily withhold, pay, returning a variety of management to the electronic money with the term of validity such as money, the electronic money of efficient stable can be realized
Account processing.
With reference to the explanation of the invention disclosed here and practice, other embodiment of the invention is for those skilled in the art
It all will be readily apparent and understand.Illustrate and embodiment is to be considered only as exemplary, of the invention true scope and purport is equal
It is defined in the claims.
Claims (8)
1. a kind of electronic money management method with the term of validity, methods described operate in the clothes of the service provider of electronic money
Be engaged in device, user can by user's logging device or mobile terminal by network and the server carry out communication for inquiring about or
Merchandise the electronic money, the server includes database and application interface, is used in the database with the shape of tables of data
Formula is that user stores the data record with term of validity electronic money, the data logger bag with term of validity electronic money
Include：
Electronic money term of validity record sheet, it includes at least one record, and every record includes 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 includes at least one record, and every record includes following data item：Customs Assigned Number, always it can use
Remaining sum, and the type of total available balance；
The type of total available balance includes：
Cash summation with the term of validity, its supplementing with money from user, the income of transferring accounts from other people accounts, reimbursement or returns money；
Amount of money summation is given, it gives the amount of money to user for the service provider；
Without the cash summation of the term of validity, its supplementing with money from user, the income of transferring accounts from other people accounts, reimbursement or money is returned；
Cash summation with the term of validity and without the term of validity, its supplementing with money from user, transfer accounts income, reimbursement from other people accounts
Or return money；
Wherein, the electronic money term of validity record sheet and the electronic money balance sheet are entered by the Customs Assigned Number data item
Row association, recorded by only inquiring about the electronic money term of validity record sheet or increasing, the electronic money term of validity record
Deletion disabled record and modification record in table, and total available balance data item of the electronic money balance sheet is modified
Inquiry, front end displaying and transaction that user records to electronic money are realized, as the inquiry behaviour that the user records to electronic money
When making, the database performs following steps to the electronic money term of validity record sheet and the electronic money balance sheet：
A) the electronic money term of validity record sheet is inquired about, is filtered out wherein not less than all records of the term of validity,
B) according to the term of validity by as far as near order sequence, obtaining first list；
C) the total available balance of the user that corresponds to the querying condition is inquired about in the electronic money balance sheet；
D) pointer of the first list is set, points to first record after the first list sequence；
E) currently available remaining sum entry is created for the record that the pointer points to, and reads the electronic money amount of money in the record
Field；
F) judge whether the electronic money amount of money is less than total available balance, if then entering step g)；Otherwise step is entered
It is rapid i)；
G) the currently available remaining sum entry for recording the electronic money amount record to this；
H) total available balance is updated, and next moved to after pointer in the first list is recorded, returns to the step
It is rapid e)；
I) total available balance is recorded to the currently available remaining sum entry of the record into the first list；
J) record for including currently available remaining sum entry in the first list is shown.
2. according to the method for claim 1, the electronic money trading is selected from supplement with money, the amount of money is between different accounts
Mutually turn operation, bill payment operation, account reimbursement operation, account are withholdd and operated and account is returned money and operated.
3. according to the method for claim 1, it is characterised in that when showing the first list in front end, by record
Creation time is ranked up display from the near to the remote or by any one mode near.
4. according to the method for claim 1, it is characterised in that when the user supplemented with money, transferring accounts from other people accounts
Income, reimbursement return money, when service provider gives operation, and the database is to the electronic money term of validity record sheet and the electricity
Sub- idle money balance table performs following steps：
In one record of last addition of the electronic money term of validity record sheet, and electronics goods is updated according to different classifications
Total available balance of respective classes in coin balance sheet.
5. according to the method for claim 1, it is characterised in that when the user carries out mutually turning operation between different accounts
When, the database performs following steps to the electronic money term of validity record sheet and the electronic money balance sheet：
The corresponding amount of money is deducted to the remaining sum of respective type in the electronic money balance sheet of less user, wherein excellent
First deduct amount record in the cash summation with the term of validity or by the amount record in the cash summation with the term of validity and
Amount of money summation is given to be deducted according to certain ratio；
Increase corresponding amount record in the electronic money term of validity record sheet of receipt side user, the amount of money corresponds to
Less is transferred accounts the amount of money of expenditure, if the amount of money that produces for the side of producing carries the term of validity, the electronic money for calculating the side of producing is effective
The actually available remaining sum entry of phase record sheet, the term of validity of the increased corresponding amount record of receipt side correspond to the side of producing button
Except the term of validity corresponding to the entry of corresponding available balance.
6. according to the method for claim 1, it is characterised in that when user carries out delivery operation, the database is to institute
The total available balance for stating the respective type of the electronic money balance sheet of user is deducted, wherein preferential deduct the band term of validity
Cash summation.
7. according to the method for claim 1, it is characterised in that when user carries out reimbursement or returns money operation, the data
To adding a record in the electronic money term of validity record sheet of the user, the amount of money of the record, which corresponds to, to be moved back in storehouse
Money or the amount of money for returning money, and total available balance of the respective type of the electronic money balance sheet is updated to increase reimbursement or
Return the amount of money of money.
8. according to the method for claim 1, it is characterised in that the server timing carries out user in the database
Electronic money term of validity record sheet scan for inquiries is operated, and the electronic money amount of money note of the term of validity is alreadyd exceed for deducting user
Record, the deduction comprise the following steps：
A) the electronic money record sheet of the user is retrieved, it is still undue complete on the server scanning same day to inquire about the user
Portion's electronic money record；
B) the electronic money amount of money of all undue all records in step a is summed；
C) the corresponding remaining sum item inquired about in the electronic money balance sheet of the user, with it is being calculated in step b and compared with
Compared with the corresponding remaining sum item being updated to the smaller value in both in the electronic money balance sheet of the user.
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|---|---|---|---|
| CN201410009064.8A CN103745402B (en) | 2014-01-10 | 2014-01-10 | A kind of electronic money management method with the term of validity |
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| CN201410009064.8A CN103745402B (en) | 2014-01-10 | 2014-01-10 | A kind of electronic money management method with the term of validity |
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| CN103745402B true CN103745402B (en) | 2018-02-23 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107491976A (en) * | 2016-06-13 | 2017-12-19 | 银联数据服务有限公司 | A kind of Withdrawing method and device |
| CN106204104A (en) * | 2016-06-28 | 2016-12-07 | 天脉聚源(北京)传媒科技有限公司 | The management method of a kind of preferential code and device |
| CN107730229A (en) * | 2017-10-19 | 2018-02-23 | 广州市万表科技股份有限公司 | A kind of credit card fund management method and system |
| CN109214865B (en) * | 2018-08-31 | 2020-09-29 | 京东数字科技控股有限公司 | Electronic certificate processing method and system, e-commerce system and storage medium |
| CN111695886B (en) * | 2020-06-12 | 2023-08-11 | 百度在线网络技术（北京）有限公司 | Virtual currency accounting method and device, electronic equipment and readable storage medium |
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