CN111951001A - Prepaid card management system - Google Patents
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- CN111951001A CN111951001A CN202010844080.4A CN202010844080A CN111951001A CN 111951001 A CN111951001 A CN 111951001A CN 202010844080 A CN202010844080 A CN 202010844080A CN 111951001 A CN111951001 A CN 111951001A
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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Abstract
The invention provides a prepaid card management system, which comprises a mobile terminal; the online payment system is used for realizing online binding of a solid card, opening of an electronic card, detaching of the electronic card, transferring of the electronic card, online payment, online refund, checking of transaction records, offline two-dimension code payment and offline two-dimension code refund; a management terminal; for managing prepaid card definitions, which are prepaid card BIN definitions, and providing reporting statistics, which include inventory management, subscriber statistics, and transaction information statistics. The advantages are that: the prepaid card management system is a system which is manufactured for users and integrates card opening and verification; the method can integrate the binding of the entity card, the selling and invoicing of the non-entity card and the verification and the sale of all the cards, provide one-stop service for checking the payment by opening the card, simplify the complex operation of the consumption of the prepaid card and improve the payment verification efficiency.
Description
Technical Field
The invention relates to the field of prepaid card transactions, in particular to a prepaid card management system.
Background
As mobile payments are pursued, physical cards have become increasingly exposed to many drawbacks, such as: the card is inconvenient to carry and lose, the balance in the card is inconvenient to check, the card is inconvenient to sell and bill, the card is inconvenient to sell and the card is inconvenient to sell, the card is required to be checked and sold one by one, and the like; for the above reasons, physical prepaid cards are increasingly inconvenient to carry and view, and also require significant human resources and card-making costs to the card vendor.
Disclosure of Invention
It is an object of the present invention to provide a prepaid card management system that solves the aforementioned problems in the prior art.
In order to achieve the purpose, the technical scheme adopted by the invention is as follows:
a prepaid card management system, the management system comprising,
a mobile terminal; the mobile terminal is used for realizing online binding of a solid card, opening of an electronic card, detaching of the electronic card, donation transfer of the electronic card, online payment, online refund, checking of transaction records, offline two-dimensional code payment and offline two-dimensional code refund;
a management terminal; for managing prepaid card definitions, which are prepaid card BIN definitions, and providing reporting statistics, which include inventory management, subscriber statistics, and transaction information statistics.
Preferably, the online binding of the entity card is to input an entity card number, a transaction password, a user identification number, a mobile phone number and a verification code sent to the mobile phone number by the user, and to bind the entity card verification to the mobile terminal.
Preferably, the electronic card opening process is,
a1, selecting the type, number and denomination of electronic cards by a user;
a2, inputting a user identification;
a3, calculating the total amount, selecting a payment channel, submitting a payment application, and confirming the total amount and paying the total amount through the selected payment channel by a user;
a4, if the payment fails, directly quitting the card opening process; if the payment is successful, entering A5;
a5, displaying the type of the electronic card, the number of the electronic cards, the total amount and the user identity information to a user;
a6, the user confirms the type of the electronic card, the number of the electronic cards, the total amount and the user identity information, submits a card opening application, if the card opening fails, the user is informed of the card opening failure, and the total amount is returned to the user according to the original channel; and if the card opening is successful, sending a card opening success notice to the user.
Preferably, the electronic card types include real name cards and non-real name cards; when the user selects the opened electronic card as a real-name card, the user identity certificate is the identity card number and the mobile phone number of the user; when the user selects the opened electronic card as a non-real-name card, the user identity is proved to be a mobile phone number.
Preferably, after the card opening of the electronic card is successful, the user can inquire the card number, the card purchasing time, the card purchasing amount, the card purchasing quantity, the denomination and whether invoicing is performed on the electronic card; when the user needs to make an invoice, the specific execution flow is,
b1, checking whether the billing state of the electronic card is the billed state by the user, and if not, entering the step B2; if yes, billing is not needed;
b2, inputting the card-opening amount, the taxpayer name, the taxpayer identification number, the taxpayer address, the taxpayer telephone, the taxpayer account-opening bank, the taxpayer account number, the purchaser mobile phone number and the purchaser mailbox by the user;
b3, initiating an invoicing request, and sending information input by a user, information of a seller and details of the electronic card to the tax control platform by the management system according to the invoicing request;
b4, the tax control platform makes invoices, if the invoicing fails, the management system sends an invoicing failure notice to the user; if the invoicing is successful, the management system sends an invoice success notice to the user, meanwhile, the management system updates the invoicing state of the electronic card to be invoiced, and sends the electronic invoice picture and the download address to a buyer mailbox within the preset time.
Preferably, the electronic card is removed by the process of,
c1, selecting the electronic card to be removed by the user, inputting the number of removed cards and the amount of money to be removed;
c2, submitting a card-detaching request, and returning the information of each detached new card; the information of the new card includes the number of the new card, the denomination of the new card, and the validity period of the new card.
Preferably, the electronic card gift is realized by the process of,
d1, selecting the electronic card to be transferred by the user, and inputting the name, the identification card number and the mobile phone number of the person to be transferred;
d2, submitting a donation application, automatically checking the name, the identification card number and the mobile phone number of the transferee by the management system, and if the checking is successful, sending a notification of successful donation to the user and the transferee; and if the checking fails, sending a notification of the gift transferring failure to the user.
Preferably, the off-line two-dimensional code payment is realized by the following process,
e1, scanning the commodities selected by the user at a store by an offline cashier, inputting the amount of money to be paid by the user in an online terminal, generating a payment order, and prompting the user to display a payment two-dimensional code;
e2, selecting a prepaid card by the user through the mobile terminal, inputting a payment password and payment amount, generating a payment two-dimensional code, and displaying the two-dimensional code to an offline cashier;
e3, scanning the two-dimensional code displayed by the user by an offline cashier by using a code scanning device, and circularly inquiring the three payment results by the offline terminal; if the payment is successfully displayed in one of the three queries, the terminal and the mobile terminal are simultaneously off-line to display the result of the successful payment, the payment receipt is printed off-line by the terminal or the two-dimensional code of the payment receipt is displayed on the mobile terminal, and the payment receipt is printed by an off-line cashier manually scanning the two-dimensional code of the payment receipt; and if the inquiry is not successful for three times, quitting the payment.
Preferably, the refund implementation process of the offline two-dimensional code is as follows,
f1, the payment receipt is displayed with a transaction two-dimensional code, and a user can inquire commodity information by scanning the transaction two-dimensional code on the payment receipt and select a corresponding commodity to initiate a refund request to generate a refund two-dimensional code;
f2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result for three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; if the inquiry is not successful for three times, quitting refund;
or,
g1, the user inquires the transaction details and initiates a refund request through the mobile terminal to generate a refund two-dimensional code;
g2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result of three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; and if the inquiry is not successful for three times, quitting the refund.
Preferably, the definition of the prepaid card BIN includes the prepaid card BIN, the prepaid card category, the prepaid card denomination and whether the prepaid card is an electronic card or a physical card; the inventory management is specifically to check the number of the current prepaid cards for sale and the number of the current prepaid cards for sale; the user statistics specifically includes statistics of mobile terminal user card purchase classification information; the transaction information statistics specifically includes statistics of transaction information details of online payment, online refund, offline two-dimensional code consumption and offline two-dimensional code refund.
The invention has the beneficial effects that: 1. the prepaid card management system is a system which is manufactured for users and integrates card opening and verification; the method can integrate the binding of the entity card, the selling and invoicing of the non-entity card and the verification and sale of all the cards into a whole, and provides one-stop service for checking the payment of the opened card. 2. The user can bind a plurality of entity cards or electronic cards at the mobile end of the management system, the user can select needed commodities on line to realize on-line multi-card payment, the user can also show a multi-card payment two-dimensional code for an off-line terminal, services such as off-line payment and off-line refund are realized in a code scanning mode through the intelligent terminal, the complex operation of prepaid card consumption is greatly simplified, and the payment accounting efficiency is improved.
Drawings
FIG. 1 is a flow chart illustrating an electronic card opening implementation of an embodiment of the present invention;
FIG. 2 is a flow chart of invoicing in an embodiment of the present invention;
FIG. 3 is a flow chart illustrating an implementation of electronic card removal according to an embodiment of the present invention;
FIG. 4 is a flow chart of an embodiment of the present invention for transferring an electronic card;
FIG. 5 is a flowchart of an implementation of offline two-dimensional code payment in an embodiment of the present invention;
FIG. 6 is a flowchart illustrating an implementation of refund of offline two-dimensional code according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings. It should be understood that the detailed description and specific examples, while indicating the invention, are intended for purposes of illustration only and are not intended to limit the scope of the invention.
As shown, in the present embodiment, there is provided a prepaid card management system, including,
a mobile terminal; the mobile terminal is used for realizing online binding of a solid card, opening of an electronic card, detaching of the electronic card, donation transfer of the electronic card, online payment, online refund, checking of transaction records, offline two-dimensional code payment and offline two-dimensional code refund;
a management terminal; for managing prepaid card definitions, which are prepaid card BIN definitions, and providing reporting statistics, which include inventory management, subscriber statistics, and transaction information statistics.
In this embodiment, the mobile terminal supports the NFC function, and can directly read the user id card information.
In this embodiment, the online binding of the entity card is specifically that the user inputs an entity card number, a transaction password, a user identification number, a mobile phone number, and a verification code sent to the mobile phone number, and binds the entity card to the mobile terminal for verification.
In this embodiment, the process of opening the electronic card is,
a1, selecting the type, number and denomination of electronic cards by a user;
a2, inputting a user identification;
a3, calculating the total amount, selecting a payment channel, submitting a payment application, and confirming the total amount and paying the total amount through the selected payment channel by a user;
a4, if the payment fails, directly quitting the card opening process; if the payment is successful, entering A5;
a5, displaying the type of the electronic card, the number of the electronic cards, the total amount and the user identity information to a user;
a6, the user confirms the type of the electronic card, the number of the electronic cards, the total amount and the user identity information, submits a card opening application, if the card opening fails, the user is informed of the card opening failure, and the total amount is returned to the user according to the original channel; and if the card opening is successful, sending a card opening success notice to the user.
In this embodiment, the electronic card types include a real name card and a non-real name card; when the user selects the opened electronic card as a real-name card, the user identity certificate is the identity card number and the mobile phone number of the user; when the user selects the opened electronic card as a non-real-name card, the user identity is proved to be a mobile phone number.
In the embodiment, after the card opening of the electronic card is successful, the user can inquire the card number, the card purchasing time, the card purchasing amount, the card purchasing quantity, the denomination and whether invoicing is performed on the electronic card; when the user needs to make an invoice, the specific execution flow is,
b1, checking whether the billing state of the electronic card is the billed state by the user, and if not, entering the step B2; if yes, billing is not needed;
b2, inputting the card-opening amount, the taxpayer name, the taxpayer identification number, the taxpayer address, the taxpayer telephone, the taxpayer account-opening bank, the taxpayer account number, the purchaser mobile phone number and the purchaser mailbox by the user;
b3, initiating an invoicing request, and sending information input by a user, information of a seller and details of the electronic card to the tax control platform by the management system according to the invoicing request;
b4, the tax control platform makes invoices, if the invoicing fails, the management system sends an invoicing failure notice to the user; if the invoicing is successful, the management system sends an invoice success notice to the user, meanwhile, the management system updates the invoicing state of the electronic card to be invoiced, and sends the electronic invoice picture and the download address to a buyer mailbox within the preset time.
In this embodiment, the user can query the detailed information of all prepaid cards, such as card number, balance, and expiration date, through the mobile terminal.
In this embodiment, the process of removing the electronic card is,
c1, selecting the electronic card to be removed by the user, inputting the number of removed cards and the amount of money to be removed;
c2, submitting a card-detaching request, and returning the information of each detached new card; the information of the new card includes the number of the new card, the denomination of the new card, and the validity period of the new card.
In this embodiment, the process of transferring the electronic card is,
d1, selecting the electronic card to be transferred by the user, and inputting the name, the identification card number and the mobile phone number of the person to be transferred;
d2, submitting a donation application, automatically checking the name, the identification card number and the mobile phone number of the transferee by the management system, and if the checking is successful, sending a notification of successful donation to the user and the transferee; and if the checking fails, sending a notification of the gift transferring failure to the user.
In this embodiment, the user may query the online transaction and the offline transaction records through the mobile terminal, specifically including online shopping mall consumption and refund, offline consumption and refund, and specific details and payment amounts of each consumption.
In this embodiment, the off-line two-dimensional code payment is realized by,
e1, scanning the commodities selected by the user at a store by an offline cashier, inputting the amount of money to be paid by the user in an online terminal, generating a payment order, and prompting the user to display a payment two-dimensional code;
e2, selecting a prepaid card by the user through the mobile terminal, inputting a payment password and payment amount, generating a payment two-dimensional code, and displaying the two-dimensional code to an offline cashier;
e3, scanning the two-dimensional code displayed by the user by an offline cashier by using a code scanning device, and circularly inquiring the three payment results by the offline terminal; if the payment is successfully displayed in one of the three queries, the terminal and the mobile terminal are simultaneously off-line to display the result of the successful payment, the payment receipt is printed off-line by the terminal or the two-dimensional code of the payment receipt is displayed on the mobile terminal, and the payment receipt is printed by an off-line cashier manually scanning the two-dimensional code of the payment receipt; and if the inquiry is not successful for three times, quitting the payment.
In this example, the query is done three times, each time with a one minute interval.
In the embodiment, the refund realization process of the off-line two-dimensional code is as follows,
f1, the payment receipt is displayed with a transaction two-dimensional code, and a user can inquire commodity information by scanning the transaction two-dimensional code on the payment receipt and select a corresponding commodity to initiate a refund request to generate a refund two-dimensional code;
f2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result for three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; if the inquiry is not successful for three times, quitting refund;
or,
g1, the user inquires the transaction details and initiates a refund request through the mobile terminal to generate a refund two-dimensional code;
g2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result of three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; and if the inquiry is not successful for three times, quitting the refund.
In this example, the query is done three times, each time with a one minute interval.
In this embodiment, after the refund is successful, the offline terminal can directly print the refund receipt; or the mobile terminal displays the refund receipt two-dimensional code, and the offline cashier manually scans the refund receipt two-dimensional code to print the refund receipt.
In this embodiment, the definition of the prepaid card BIN includes the prepaid card BIN, the prepaid card type, the prepaid card denomination and whether the prepaid card is an electronic card or a physical card; the inventory management is specifically to check the number of the current prepaid cards for sale and the number of the current prepaid cards for sale; the user statistics specifically includes statistics of mobile terminal user card purchase classification information; the transaction information statistics specifically includes statistics of transaction information details of online payment, online refund, offline two-dimensional code consumption and offline two-dimensional code refund.
By adopting the technical scheme disclosed by the invention, the following beneficial effects are obtained:
the invention provides a prepaid card management system, which is a system integrating card opening and verification for a user; the method can integrate the binding of the entity card, the selling and invoicing of the non-entity card and the verification and sale of all the cards into a whole, and provides one-stop service for checking the payment of the opened card. The user can bind a plurality of entity cards or electronic cards at the mobile end of the management system, the user can select needed commodities on line to realize on-line multi-card payment, the user can also show a multi-card payment two-dimensional code for an off-line terminal, services such as off-line payment and off-line refund are realized in a code scanning mode through the intelligent terminal, the complex operation of prepaid card consumption is greatly simplified, and the payment accounting efficiency is improved.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and improvements can be made without departing from the principle of the present invention, and such modifications and improvements should also be considered within the scope of the present invention.
Claims (10)
1. A prepaid card management system, characterized by: the management system comprises a management server and a management server,
a mobile terminal; the mobile terminal is used for realizing online binding of a solid card, opening of an electronic card, detaching of the electronic card, donation transfer of the electronic card, online payment, online refund, checking of transaction records, offline two-dimensional code payment and offline two-dimensional code refund;
a management terminal; for managing prepaid card definitions, which are prepaid card BIN definitions, and providing reporting statistics, which include inventory management, subscriber statistics, and transaction information statistics.
2. The prepaid card management system of claim 1, wherein: the online binding of the entity card is specifically that a user inputs an entity card number, a transaction password, a user identity card number, a mobile phone number and a verification code sent to the mobile phone number, and the entity card is verified and bound to the mobile terminal.
3. The prepaid card management system of claim 1, wherein: the electronic card is opened in the following steps,
a1, selecting the type, number and denomination of electronic cards by a user;
a2, inputting a user identification;
a3, calculating the total amount, selecting a payment channel, submitting a payment application, and confirming the total amount and paying the total amount through the selected payment channel by a user;
a4, if the payment fails, directly quitting the card opening process; if the payment is successful, entering A5;
a5, displaying the type of the electronic card, the number of the electronic cards, the total amount and the user identity information to a user;
a6, the user confirms the type of the electronic card, the number of the electronic cards, the total amount and the user identity information, submits a card opening application, if the card opening fails, the user is informed of the card opening failure, and the total amount is returned to the user according to the original channel; and if the card opening is successful, sending a card opening success notice to the user.
4. Prepaid card management system according to claim 3, characterized in that: the electronic card types comprise real name cards and non-real name cards; when the user selects the opened electronic card as a real-name card, the user identity certificate is the identity card number and the mobile phone number of the user; when the user selects the opened electronic card as a non-real-name card, the user identity is proved to be a mobile phone number.
5. Prepaid card management system according to claim 4, characterized in that: after the electronic card is successfully opened, the user can inquire the card number, the card purchasing time, the card purchasing amount, the card purchasing quantity, the denomination and whether invoicing is performed; when the user needs to make an invoice, the specific execution flow is,
b1, checking whether the billing state of the electronic card is the billed state by the user, and if not, entering the step B2; if yes, billing is not needed;
b2, inputting the card-opening amount, the taxpayer name, the taxpayer identification number, the taxpayer address, the taxpayer telephone, the taxpayer account-opening bank, the taxpayer account number, the purchaser mobile phone number and the purchaser mailbox by the user;
b3, initiating an invoicing request, and sending information input by a user, information of a seller and details of the electronic card to the tax control platform by the management system according to the invoicing request;
b4, the tax control platform makes invoices, if the invoicing fails, the management system sends an invoicing failure notice to the user; if the invoicing is successful, the management system sends an invoice success notice to the user, meanwhile, the management system updates the invoicing state of the electronic card to be invoiced, and sends the electronic invoice picture and the download address to a buyer mailbox within the preset time.
6. The prepaid card management system of claim 1, wherein: the process of removing the electronic card is realized by the following steps,
c1, selecting the electronic card to be removed by the user, inputting the number of removed cards and the amount of money to be removed;
c2, submitting a card-detaching request, and returning the information of each detached new card; the information of the new card includes the number of the new card, the denomination of the new card, and the validity period of the new card.
7. The prepaid card management system of claim 1, wherein: the process of transferring the electronic card is realized by the following steps,
d1, selecting the electronic card to be transferred by the user, and inputting the name, the identification card number and the mobile phone number of the person to be transferred;
d2, submitting a donation application, automatically checking the name, the identification card number and the mobile phone number of the transferee by the management system, and if the checking is successful, sending a notification of successful donation to the user and the transferee; and if the checking fails, sending a notification of the gift transferring failure to the user.
8. The prepaid card management system of claim 1, wherein: the off-line two-dimensional code payment is realized by the following steps,
e1, scanning the commodities selected by the user at a store by an offline cashier, inputting the amount of money to be paid by the user in an online terminal, generating a payment order, and prompting the user to display a payment two-dimensional code;
e2, selecting a prepaid card by the user through the mobile terminal, inputting a payment password and payment amount, generating a payment two-dimensional code, and displaying the two-dimensional code to an offline cashier;
e3, scanning the two-dimensional code displayed by the user by an offline cashier by using a code scanning device, and circularly inquiring the three payment results by the offline terminal; if the payment is successfully displayed in one of the three queries, the terminal and the mobile terminal are simultaneously off-line to display the result of the successful payment, the payment receipt is printed off-line by the terminal or the two-dimensional code of the payment receipt is displayed on the mobile terminal, and the payment receipt is printed by an off-line cashier manually scanning the two-dimensional code of the payment receipt; and if the inquiry is not successful for three times, quitting the payment.
9. The prepaid card management system of claim 8, wherein: the refund realization process of the off-line two-dimensional code comprises the following steps,
f1, the payment receipt is displayed with a transaction two-dimensional code, and a user can inquire commodity information by scanning the transaction two-dimensional code on the payment receipt and select a corresponding commodity to initiate a refund request to generate a refund two-dimensional code;
f2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result for three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; if the inquiry is not successful for three times, quitting refund;
or,
g1, the user inquires the transaction details and initiates a refund request through the mobile terminal to generate a refund two-dimensional code;
g2, scanning the refund two-dimensional code by an offline cashier after the offline cashier takes the goods needing refund, and circularly inquiring the refund result of three times by the offline terminal; if the refund success is displayed in one of the three queries, returning the original channel of the amount paid by the user to the prepaid card of the user, and simultaneously displaying the result of the refund success by the terminal and the mobile terminal on line; and if the inquiry is not successful for three times, quitting the refund.
10. The prepaid card management system of claim 1, wherein: the definition of the prepaid card BIN comprises the prepaid card BIN, the prepaid card seed, the prepaid card denomination and whether the prepaid card is an electronic card or a physical card; the inventory management is specifically to check the number of the current prepaid cards for sale and the number of the current prepaid cards for sale; the user statistics specifically includes statistics of mobile terminal user card purchase classification information; the transaction information statistics specifically includes statistics of transaction information details of online payment, online refund, offline two-dimensional code consumption and offline two-dimensional code refund.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010844080.4A CN111951001A (en) | 2020-08-20 | 2020-08-20 | Prepaid card management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010844080.4A CN111951001A (en) | 2020-08-20 | 2020-08-20 | Prepaid card management system |
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