CN111882316A - Management system and method for paying prepaid card and ticket - Google Patents

Abstract

The invention relates to the technical field of prepaid card management, in particular to a management system and a method for prepaid card and ticket benefits, wherein the system comprises a processing module, a card issuing module, an insurance application module and a benefits payment module; the method comprises the steps that the processing module obtains the prepaid amount, the processing module generates the card quantity and the card amount according to the prepaid amount and the preset limit of a single prepaid card, the processing module sends card opening information to the card issuing module according to the card quantity and the card amount, the card issuing module is used for generating the prepaid card with a plurality of sub cards according to the card opening information, and the processing module obtains the prepaid card and sends the prepaid card to the insurance module for insurance application. The invention is used for scattered application of single prepaid cards and independently calculates the payment amount of the single prepaid card, thereby greatly reducing the calculation difficulty of the payment amount of the prepaid card.

Description

Management system and method for paying prepaid card and ticket

Technical Field

The invention relates to the technical field of prepaid card management, in particular to a management system and a method for prepaid card and ticket payment.

Background

Prepaid cards are prepaid vouchers issued by merchants for profit purposes via specific carriers and formats for purchasing goods or services at a specific merchant or multiple merchants. The method is characterized in that a single prepaid card is charged with a limited amount, and then a user can enjoy discount or preferential benefit when using the prepaid card to pay for consumption, such as a preferential card which is charged to a certain amount and then sent to a certain amount, a discount card which is charged with a discount preferential benefit when using the card to pay after charging, a right card which is purchased with discount qualification, a right card which is purchased with a right card and is purchased according to times, and the like. The conventional insurance is that a merchant estimates the issuing amount of the prepaid card by taking the year as a unit, then carries out insurance purchase on the prepaid card according to the estimated issuing amount, and finally determines insurance fee in a mode of more refund and less refund when the account is settled at the end of the year.

The amount of money in the prepaid card changes after the prepaid card is used for a period of time, if the prepaid card pays, because of the lack of a technical system for accurately and instantly obtaining payment and consumption data of the prepaid card, a uniform balance calculation system is not available for different types of prepaid cards, the calculation of the paid amount of the prepaid card is very difficult, so that the paying of a plurality of prepaid cards can only be performed according to the original charging or purchasing amount of the prepaid card, the benefits of insurance companies, merchants and users cannot be fairly embodied, and the mode of paying the amount according to the original fund by using an estimated mode cannot completely solve the problems facing the market.

Disclosure of Invention

The invention aims to provide a management system for prepaid card and ticket benefits, which solves the problem of high calculation difficulty of prepaid card benefits.

The management system for the prepaid card and the ticket claim payment in the scheme comprises a processing module, a card issuing module, an insurance application module and a claim payment module;

the processing module acquires the prepaid amount of the prepaid card, and judges the number of cards and the amount of the cards of a single card according to the prepaid amount and the preset limit of the single prepaid card; the processing module sends card opening information to the card issuing module according to the number of the cards and the amount of the cards, wherein the amount of the cards is within a preset limit;

the card issuing module is used for generating a prepaid card with a plurality of sub-cards according to the card opening information, the processing module associates the sub-cards in a network account mode to form the prepaid card, and the processing module acquires the prepaid card and sends the prepaid card to the insurance application module;

the insurance application module is used for establishing insurance information for each prepaid card, the processing module acquires the insurance information for storage, the processing module acquires the dynamic consumption information of each prepaid card for storage, the processing module acquires the claim request and then calls the dynamic consumption information, the dynamic consumption information comprises the payment information and the balance information of each prepaid card, and the processing module sends the dynamic consumption information to the claim module;

the claim payment module is used for calculating the claim payment amount according to the dynamic consumption information.

The beneficial effect of this scheme is:

the method comprises the steps that for each prepaid card, the number of the cards and the amount of the cards are judged according to prepaid amount and preset limit, and then the prepaid card is generated according to the number of the cards and the amount of the cards, wherein one card is separately arranged for surplus amount of the prepaid card which is less than the preset limit, and all the prepaid cards are associated in a user account mode, so that management of multiple cards of the same prepaid card is facilitated when the preset limit of a single prepaid card is kept; compared with the existing pre-estimated insurance application mode, the scheme establishes insurance information by taking each prepaid card as a unit, reduces insurance application risks by using a single prepaid card for insurance application, and reduces the capital cost of merchants; in the using process of the prepaid card, the dynamic consumption information of the single insurance prepaid card is tracked in real time, the claim amount is calculated according to the balance in the dynamic consumption information, the calculation of the claim amount is more accurate and fair, the benefits of merchants, users and insurance companies are fully guaranteed, the calculation difficulty of the claim amount of the prepaid card is greatly reduced aiming at scattered insurance of the single prepaid card and the independent calculation of the claim amount of the single prepaid card.

Insurance information is established for each guaranteed prepaid card, dynamic consumption information of each card is tracked, balance change data of the guaranteed prepaid cards are mastered, and each prepaid card is convenient to calculate independently during paying.

Further, the processing module obtains the preset type of the prepaid card and determines the preset limit of the single card according to the preset type of the prepaid card.

The beneficial effects are that: and determining a preset limit according to the preset type of the prepaid card, wherein if the single preset limit of the platinum prepaid card is 500 yuan, the single preset limit of the diamond prepaid card is 800 yuan, so that different types of prepaid card quota can be managed conveniently.

Further, the processing module divides the prepaid amount by a preset limit to perform integer fetching and remainder fetching, the processing module judges whether the remainder is equal to 0, the processing module takes the integer as the number of cards when the remainder is equal to zero, and the processing module adds one to the integer as the number of cards when the remainder is not equal to zero.

The beneficial effects are that: the method has the advantages that the prepaid amount of each user is decomposed into a plurality of cards of the prepaid card of the same account according to the preset limit of a single card, so that the limit of the single prepaid card is not more than the maximum limit, the personalized setting is more convenient, the amount of the single card is more reasonable, the consumption safety risk is reduced, a plurality of prepaid cards do not need to be generated for the user to carry and use, the management of the prepaid cards is simpler and more convenient, and the user experience degree is higher.

Further, the processing module obtains a prepaid card setting type and sends the prepaid card setting type to the claim module, the prepaid card setting type comprises a discount card, a right card and a rights card, the claim module comprises a plurality of claim models, and the claim module selects the claim models according to the prepaid card setting type.

The beneficial effects are that: the method and the device aim at different setting types of prepaid cards to calculate the claim payment amount through different claim payment models, and improve the accuracy of calculation of the claim payment amount.

Further, the claim model comprises a preferential card balance claim model, and the preferential card balance claim model is as follows:

and P is x/(1+ y), P is the amount of the claim, x is the current remaining amount of the prepaid card, and y is the discount rate.

The beneficial effects are that: the preferential card is a prepaid card which presents different proportions of preferential funds according to different prepaid amounts, such as prepaid 100 yuan, 10% (10 yuan) of the preferential funds are presented, a user obtains 110 yuan, the funds in the card can be used for consumption payment, and the preferential card carries out claims with the principal balance of the preferential card, and does not relate to corresponding preferential amounts, the calculation of the claim amount is more accurate, the claim amount is ensured to be accurate and fair, the preferential amounts presented by merchants are eliminated by ensuring the claims only aiming at the principal balance, the discount price of the right and the rights and the valid period which are enjoyed by the card user is deducted by balance statistics, the calculation of the balance in the prepaid card is more fair and standard, and a uniform calculation standard among merchants, the user and insurance companies is ensured.

Further, the claim model comprises a discount card balance claim model, and the discount card balance claim model is as follows:

and P is the amount of the claim, and x is the current remaining amount of the prepaid card.

The beneficial effects are that: the discount card is a prepaid card which can enjoy prepaid fund payment discounts in different proportions according to different prepaid amounts, for example, 100 yuan prepaid card can enjoy 9-fold consumption payment, 200 yuan prepaid card can enjoy 8-fold consumption payment, and the like, the fund in the card can be used for consumption payment, and the claim is carried out according to the current balance of the discount card as the balance of the principal, so that the discount card is in accordance with the characteristics of the prepaid discount card, and the calculation of the claim amount is simple, direct and rapid.

Further, the payment information includes a consumption amount, the payment module includes an entitlement card balance payment model, and the entitlement card balance payment model is:

p ═ x-d [ (1-y) ], T1/T0, P is the payout amount, x is the purchase amount of the right card, d is the consumption amount of using the right card, y is the discount rate of consumption, d × (1-y) is the discount amount of accumulated consumption enjoyment of using the right card, T1 is the remaining effective duration, T0 is the effective duration, the processing module obtains the payout amount, the processing module determines whether P is equal to 0 or less than 0, and the processing module determines that the payout amount is 0 when P is equal to 0 or P is less than 0.

The beneficial effects are that: the right card refers to different proportion consumption discount right with time limit purchased according to different prepaid amounts, such as prepaid 100 Yuan obtaining right to enjoy 9-fold consumption payment in a certain period, prepaid 200 Yuan obtaining right to enjoy 8-fold consumption payment in a certain period, card purchasing funds are not available for consumption payment, and each consumption needs to be paid separately; after the actual right is deducted from the right card, the remaining amount and the remaining effective time value are calculated to obtain the claim amount, so that the characteristics of the right card can be more accurately embodied, the conversion relation between the value of the right of the user for enjoying consumption and the remaining effective time can be clearly displayed, the fair interests of merchants, users and insurance companies can be protected through the claim, and the claim amount calculation of the interest card can be more accurately realized.

Further, the benefits card balance compensation module comprises a benefits card balance compensation model, and the benefits card balance compensation model is as follows:

p is x (1-c/b) T1/T0, P is the amount of claims, x is the purchase amount of the equity card, c is the number of goods or services consumed, b is the total number of goods or services actually purchased, T1 is the remaining validity period, and T0 is the validity period.

The beneficial effects are that: the equity card is based on different amount of goods or services with time limit purchased by different prepaid money, such as prepaid 100 Yuan to enjoy 10 times of carwash in a certain period, prepaid 200 Yuan to enjoy 20 hours of fitness in a certain period, and deducting equity in quantity during each consumption; the method has the advantages that the claim payment amount is calculated according to the remaining amount and the remaining effective duration value of the right card after the actual enjoyed right is deducted, the characteristics of the right card can be more accurately embodied, the conversion relation between the numerical value of the user enjoying the consumption right and the remaining effective duration can be clearly displayed, the fair interests of merchants, users and insurance companies are protected through the claim payment, and the accuracy of the calculation of the claim payment amount of the right card is improved by integrating various factors.

Further, the insurance module establishes insurance information for the sub-cards in each prepaid card independently.

The beneficial effects are that: the insurance information is established for each prepaid card, the payment and consumption dynamic data of each prepaid card are obtained in real time, the calculation is carried out by each card when the payment amount is calculated, the calculation amount is smaller, meanwhile, a novel payment relation is established, the payment is associated with each prepaid card and is not bound with a prepaid card user, and the problem of the payment after the presentation, transfer, exchange and transaction of the prepaid card is solved.

The management method of the prepaid card claim payment applies the management system of the prepaid card claim payment.

Drawings

FIG. 1 is a logical block diagram of a prepaid card claim management system according to an embodiment of the present invention;

fig. 2 is a block flow diagram of a method for managing prepaid card claim payments, in accordance with an embodiment of the present invention.

Detailed Description

The following is a more detailed description of the present invention by way of specific embodiments.

Example one

A system for managing prepaid card claims, as shown in fig. 1: including processing module, card issuing module, application and insurance module and indemnity module, the available current high in the clouds server of processing module, card issuing module signal connection processing module, application and insurance module wireless connection processing module, the available current insurance company's of application and insurance module server, indemnity module signal connection processing module.

The method for managing prepaid card claim based on the above system for managing prepaid card claim, as shown in fig. 2, includes the following steps:

the processing module obtains the prepaid amount of the prepaid card, the prepaid amount can be input through the front-end recharging terminal, namely the prepaid amount is the recharging amount, the processing module judges the number of cards to be generated and the amount of the cards of a single card according to the prepaid amount and the preset limit of the single prepaid card, the preset limit is set according to actual requirements, for example, the preset limit is set to be 500, 800 or 1200, and the amount of the cards is within the preset limit, namely the amount of the cards is smaller than or equal to the preset limit.

The processing module divides the prepaid amount by the preset limit to carry out integer fetching and remainder fetching, and judges whether the remainder is equal to 0 or not through the processing module, the processing module takes the integer as the number of cards when the remainder is equal to zero, the processing module adds one to the integer as the number of cards when the remainder is not equal to zero, for example, the prepaid amount is 1200 yuan, the preset limit is 500 yuan, the prepaid amount is divided by the preset limit to take the integer as 2, the prepaid amount is divided by the preset limit to take the remainder as 200, then, the number of cards is 2+1, the number of cards is 3, for example, the prepaid amount is 1000 yuan, the preset limit is 500 yuan, the prepaid amount is divided by the preset limit to take the integer as 2, the prepaid amount is divided by the preset limit to take the remainder as 0, and then, the number of cards is 2.

And sending card opening information to the card issuing module by the processing module according to the number of the cards and the amount of the cards, wherein the card opening information can be the number of the cards and the amount of the cards of each card, for example, the number of the cards is 3, and the amount of the cards is 500 yuan, 500 yuan and 200 yuan in sequence.

The card issuing module generates a prepaid card with a plurality of sub-cards according to the card opening information, the processing module associates the sub-cards in a network account mode to form the prepaid card, namely, a user holds one prepaid card to recharge, the recharge amount is stored on the plurality of sub-cards respectively, one card is separately arranged for the surplus amount of the prepaid card which is less than the preset limit, and the processing module acquires the prepaid card and sends the prepaid card to the insurable module.

Insurance information is established for each prepaid card through the insurance application module, the insurance information is established for the daughter cards in each prepaid card through the insurance application module respectively and independently, the insurance information can be the amount of money of the daughter cards and the amount of insurance application, and the insurance information is acquired through the processing module and stored.

The dynamic consumption information of each prepaid card is acquired and stored through the processing module, the dynamic consumption information of the prepaid card can be directly acquired from a front-end payment terminal, for example, the dynamic consumption information is directly acquired through transmission through a data line, the dynamic consumption information is called after the processing module acquires a claim payment request, the dynamic consumption information comprises the payment information and balance information of each prepaid card, and the dynamic consumption information is sent to the claim payment module through the processing module; the prepaid card setting types are acquired by the processing module and are sent to the claim payment module, and the prepaid card setting types comprise a discount card, a right card and a rights card.

The method comprises the steps that a plurality of claim models are included in a claim module, the claim models are selected by the claim module according to the setting types of the prepaid cards, and the claim amount is calculated by the claim module according to the dynamic consumption information and the claim models.

The claim model comprises a preferential card balance claim model, the preferential card is a prepaid card which presents different proportions of preferential fees according to different prepaid amounts, and the preferential card balance claim model is as follows:

and P is x/(1+ y), P is the amount of the claim, x is the current remaining amount of the prepaid card, and y is the discount rate. For example: and prepaying for 500 yuan, giving 15% (75 yuan) of discount money, obtaining 575 yuan by a user, enabling fund in the card to be used for consumption payment, paying by using the balance of principal money of the discount card, and if the remaining amount in the current period is 115 yuan, the paying amount is 100 yuan, the corresponding discount amount is not involved, and the paying amount is calculated more accurately.

The claim model comprises a discount card balance claim model, wherein the discount card is a prepaid card which enjoys prepaid funds with different proportions to pay discounts according to different prepaid amounts, and the discount card balance claim model is as follows:

and P is the amount of the claim, and x is the current remaining amount of the prepaid card. For example, 300 yuan can be paid by 9-fold consumption, 500 yuan can be paid by 7.8-fold consumption, etc., the fund in the card can be used for payment, the payment is carried out according to the current balance of the discount card as the balance of the principal, if 120 yuan remains, 120 yuan is paid, and the calculation of the payment amount is simple, direct and quick

The payment information comprises consumption amount, the claim payment module comprises a right card balance claim payment model, the right card refers to different proportion consumption discount rights with time limit purchased according to different prepaid amount, the card purchasing funds can not be used for consumption payment, and separate payment is needed during each consumption, and the right card balance claim payment model is as follows:

p ═ x-d [ (1-y) ], T1/T0, P is the payout amount, x is the purchase amount of the right card, d is the consumption amount of using the right card, y is the discount rate of consumption, d × (1-y) is the discount amount of accumulated consumption enjoyment using the right card, T1 is the remaining effective duration, T0 is the effective duration, the processing module obtains the payout amount, the processing module determines whether P is equal to 0 or less than 0, and the processing module determines that the payout amount is 0 when P is equal to 0 or less than 0. For example, 200 yuan is prepaid to receive the right to enjoy 8-fold consumption payment in 365 days, and if the consumption amount d is 150 yuan and the remaining effective time is 73 days, then: and if the discount amount is 30 yuan, then: the amount of the enjoyed right is 30 yuan, and the amount of the payment is 34 yuan.

The claim module comprises a rights card balance claim model, the rights card is a commodity or service with different amount and time limit purchased according to different prepaid amount, the rights card balance claim model is as follows:

p is x (1-c/b) T1/T0, P is the amount of claims, x is the purchase amount of the equity card, c is the number of goods or services consumed, b is the total number of goods or services actually purchased, T1 is the remaining validity period, and T0 is the validity period. For example, the prepayment 100 Yuan obtains the service of enjoying 10 carwashes within 200 days, the prepayment 200 Yuan obtains the body-building enjoying 20 hours within a certain period, if the carwash service has been consumed 5 times within 120 days for the 100 Yuan 10-time carwash service, the payment amount is 20 Yuan, the equity is deducted according to the amount during each consumption, and the accuracy of the calculation of the equity card equity payment amount is improved by combining various factors.

According to the first embodiment, the prepaid amount is distributed on the plurality of sub cards, then the insurance is applied to each sub card, and then the reimbursement amount is calculated according to the setting type of the prepaid card and different reimbursement models during reimbursement, the data sources of the reimbursement amount calculation are few, the data values are small, the reimbursement amount calculation speed is high, and the accuracy of the reimbursement amount calculation is improved.

Example two

The difference with the first embodiment is that the processing module obtains the pre-paid card setting type and determines the preset limit of a single card according to the pre-paid card setting type, wherein the pre-paid card setting type comprises a common card and a VIP card.

And determining the preset limit according to the preset type of the prepaid card, wherein if the single preset limit of the platinum prepaid card serving as the common card is 500 yuan, and the single preset limit of the diamond prepaid card serving as the VIP card is 800 yuan, the prepaid card limit of different types can be managed conveniently.

EXAMPLE III

The system is different from the first embodiment in that the system further comprises a database module for storing card information and insurance information of each prepaid card user, wherein the card information comprises the number of the daughter cards, the setting type and the card amount; the identification mode of each prepaid card user is the existing one, for example, identification is carried out through a unique number, which is not described herein; and the data in the data module is encrypted and stored through a DES algorithm.

The processing module is in signal connection with a storage module which stores prepaid card information and dynamic consumption information generated by consumption, the processing module judges whether the claim amount is larger than an upper threshold, the upper threshold is set according to the prepaid amount, if the upper threshold can be set to be 1000 yuan, and when the claim amount is larger than the upper threshold, the processing module acquires the card information of the prepaid card with abnormal claim amount; the processing module decrypts the initial card information of the prepaid card with abnormal claim amount from the database module, matches the card information with abnormal claim amount with the initial card information through the processing module, and can perform matching by judging whether the number of the daughter cards is equal, whether the setting types of the prepaid card are the same and whether the card amounts are the same, and can perform matching as a result of successful matching when the number of the daughter cards is equal, the setting types are the same and the cards are equal, otherwise, the matching is failed; and when the matching fails, the processing module judges that the user data is abnormal and adds an abnormal label to the paid amount.

The embodiment judges whether the user data is abnormal according to whether the claim amount is abnormal, if the claim amount of a certain prepaid card user exceeds the prepaid amount, the daily use of the prepaid card is carried out through the storage module, the encrypted original database module cannot be accessed at will, the data is prevented from being tampered to cause large-amount claim, and the data security and the accuracy of the claim amount are improved.

The foregoing is merely an example of the present invention and common general knowledge of known specific structures and features of the embodiments is not described herein in any greater detail. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.

Claims (10)

1. A system for managing prepaid card claims, comprising: the system comprises a processing module, a card issuing module, an insurance application module and a claims payment module;

the processing module acquires the prepaid amount of the prepaid card, and judges the number of cards and the amount of the cards of a single card according to the prepaid amount and the preset limit of the single prepaid card; the processing module sends card opening information to the card issuing module according to the number of the cards and the amount of the cards, wherein the amount of the cards is within a preset limit;

the card issuing module is used for generating a prepaid card with a plurality of sub-cards according to the card opening information, the processing module associates the sub-cards in a network account mode to form the prepaid card, and the processing module acquires the prepaid card and sends the prepaid card to the insurance application module;

the insurance application module is used for establishing insurance information for each prepaid card, the processing module acquires the insurance information for storage, the processing module acquires the dynamic consumption information of each prepaid card for storage, the processing module acquires the claim request and then calls the dynamic consumption information, the dynamic consumption information comprises the payment information and the balance information of each prepaid card, and the processing module sends the dynamic consumption information to the claim module;

the claim payment module is used for calculating the claim payment amount according to the dynamic consumption information.

2. The system for managing prepaid card claims of claim 1, wherein: the processing module obtains the preset type of the prepaid card and determines the preset limit of a single card according to the preset type of the prepaid card.

3. The system for managing prepaid card claims of claim 1, wherein: the processing module divides the prepaid amount by a preset limit amount to carry out integer fetching and remainder fetching, the processing module judges whether the remainder is equal to 0 or not, the processing module takes the integer as the number of cards when the remainder is equal to zero, and the processing module adds one to the integer as the number of cards when the remainder is not equal to zero.

4. The system for managing prepaid card claims of claim 1, wherein: the processing module acquires the setting type of the prepaid card and sends the setting type of the prepaid card to the claim module, the setting type of the prepaid card comprises a preferential card, a discount card, a right card and a rights card, the claim module comprises a plurality of claim models, and the claim module selects the claim models according to the setting type of the prepaid card.

5. The system for managing prepaid card claims of claim 4, wherein: the claim payment model comprises a preferential card balance claim model, and the preferential card balance claim model is as follows:

and P is x/(1+ y), P is the amount of the claim, x is the current remaining amount of the prepaid card, and y is the discount rate.

6. The system for managing prepaid card claims of claim 5, wherein: the claim model comprises a discount card balance claim model, and the discount card balance claim model is as follows:

and P is the amount of the claim, and x is the current remaining amount of the prepaid card.

7. The system for managing prepaid card claims of claim 6, wherein: the payment information comprises consumption amount, the compensation module comprises an entitlement card balance compensation model, and the entitlement card balance compensation model is as follows:

p ═ x-d [ (1-y) ], T1/T0, P is the payout amount, x is the purchase amount of the right card, d is the consumption amount of using the right card, y is the discount rate of consumption, d × (1-y) is the discount amount of accumulated consumption enjoyment of using the right card, T1 is the remaining effective duration, T0 is the effective duration, the processing module obtains the payout amount, the processing module determines whether P is equal to 0 or less than 0, and the processing module determines that the payout amount is 0 when P is equal to 0 or P is less than 0.

8. The system for managing prepaid card claims of claim 7, wherein: the claim module comprises a rights card balance claim model, and the rights card balance claim model is as follows:

p is x (1-c/b) T1/T0, P is the amount of claims, x is the purchase amount of the equity card, c is the number of goods or services consumed, b is the total number of goods or services actually purchased, T1 is the remaining validity period, and T0 is the validity period.

9. The system for managing prepaid card claims of claim 1, wherein: and the insurance application module establishes insurance information for the sub-cards in each prepaid card respectively and independently.

10. A method of managing prepaid card benefits using the system for managing prepaid card benefits of any of claims 1 to 9.

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