CN112598413A - Transaction method, device, system, equipment and storage medium - Google Patents

Transaction method, device, system, equipment and storage medium Download PDF

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Publication number
CN112598413A
CN112598413A CN202110227483.9A CN202110227483A CN112598413A CN 112598413 A CN112598413 A CN 112598413A CN 202110227483 A CN202110227483 A CN 202110227483A CN 112598413 A CN112598413 A CN 112598413A
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resource
bearing module
electronic
electronic resource
target
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CN112598413B (en
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胡佳
刘洋
曾智
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Jiede China Technology Co ltd
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Jiede China Technology Co ltd
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes

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  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

The application discloses a transaction method, a transaction device, a transaction system, transaction equipment and a transaction storage medium, and belongs to the technical field of computers. The method comprises the following steps: the collection terminal can be in short-distance communication with the user terminal, and can receive the first electronic resource transferred by the first resource bearing module of the user terminal, so that the collection terminal can lock the first electronic resource in the second resource bearing module of the collection terminal, and the collection terminal can provide target service for the user based on the first electronic resource. Therefore, the user does not need to transact any account or purchase a rechargeable card to transact the business service, the business service can be obtained only through electronic resources, the operation is simple and convenient, and the use experience of the user is improved.

Description

Transaction method, device, system, equipment and storage medium
Technical Field
The application belongs to the technical field of computers, and particularly relates to a transaction method, a transaction device, a transaction system, transaction equipment and a transaction storage medium.
Background
Currently, there are many ways to transact paid business, for example, by registering an account with a third party service organization or transacting a prepaid card to obtain business services. However, the manner of obtaining business services, such as registering an account or purchasing a rechargeable card, causes the operation of obtaining business services for a user to be cumbersome.
Disclosure of Invention
The embodiment of the application aims to provide a transaction method, a transaction device, a transaction system, a transaction device and a transaction storage medium, which can solve the problem that in the related art, the operation of a user for obtaining business service is complicated due to the mode of obtaining the business service by registering an account or purchasing a rechargeable card.
In order to solve the technical problem, the present application is implemented as follows:
in a first aspect, an embodiment of the present application provides a transaction method, which is applied to a payment receiving terminal, where the payment receiving terminal communicates with a user terminal in a short distance, and the payment receiving terminal is integrated with a Secure Element (SE), and includes: and receiving the first electronic resource transferred by the first resource bearing module of the user terminal.
Locking the first electronic resource in a second resource bearing module borne by the SE for providing a target service for a user;
the first electronic resource includes a first identity of the first resource bearer module, and after the first electronic resource is locked in the second resource bearer module carried by the SE, the method further includes:
under the condition that a preset condition is met, calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the residual amount of the target business service;
transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of an operator of the target business service;
wherein, satisfying the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
In a second aspect, an embodiment of the present application provides a transaction method, which is applied to a transaction system, where the transaction system includes a first SE and a plurality of cash receiving terminals, and includes: and the target resource bearing module borne by the first SE receives the fifth electronic resource transferred by the first resource bearing module of the user terminal.
And under the condition that the collection terminal meets the preset condition, the collection terminal acquires the sixth electronic resource from the target resource bearing module and locks the sixth electronic resource in a second resource bearing module borne by a second SE of the collection terminal so as to collect the use amount of the target business service.
The satisfaction of the preset condition includes at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request;
the sixth electronic resource includes a first identity identifier of the target resource bearing module, and the collection terminal acquires the sixth electronic resource from the target resource bearing module when meeting a preset condition, including:
and under the condition that the collection terminal meets the preset condition, calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus of the target business service, and acquiring a sixth electronic resource from the target resource bearing module according to the first cost value.
In a third aspect, an embodiment of the present application provides a transaction apparatus, which is applied to a receiving terminal, where the receiving terminal is in short-distance communication with a user terminal, and the receiving terminal is integrated with an SE, where the transaction apparatus includes: and the receiving module is used for receiving the first electronic resource transferred by the first resource bearing module of the user terminal.
The locking module is used for locking the first electronic resource in a second resource bearing module borne by the SE so as to provide a target service for a user;
the first electronic resource comprises a first identity of the first resource bearing module, and the device further comprises:
the calculating module is used for calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the residual amount of the target business service under the condition that a preset condition is met;
the transfer-in module is used for transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of an operator of the target business service;
wherein, satisfying the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
In a fourth aspect, an embodiment of the present application provides a transaction system, which includes a first SE and a plurality of cash receiving terminals.
And the first SE is used for bearing the target resource bearing module and receiving the fifth electronic resource transferred by the first resource bearing module of the user terminal.
And the collection terminal is used for acquiring the sixth electronic resource from the target resource bearing module and locking the sixth electronic resource in a second resource bearing module borne by a second SE of the collection terminal under the condition that the collection terminal meets the preset condition so as to collect the use amount of the target business service.
The satisfaction of the preset condition includes at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request;
the sixth electronic resource comprises a first identity identifier of the target resource bearing module, and the collection terminal is used for calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus amount of the target business service under the condition that the collection terminal meets a preset condition, and acquiring the sixth electronic resource from the target resource bearing module according to the first cost value.
In a fifth aspect, embodiments of the present application provide an electronic device, which includes a processor, a memory, and a program or instructions stored on the memory and executable on the processor, where the program or instructions, when executed by the processor, implement the steps of the method according to the first aspect or the second aspect.
In a sixth aspect, embodiments of the present application provide a readable storage medium on which a program or instructions are stored, which when executed by a processor, implement the steps of the method according to the first or second aspect.
In the embodiment of the application, the collection terminal can be in short-distance communication with the user terminal, and the collection terminal can receive the first electronic resource transferred by the first resource bearing module of the user terminal, so that the collection terminal can lock the first electronic resource in the second resource bearing module of the collection terminal, and the collection terminal can provide target business service for the user based on the first electronic resource. Therefore, the user does not need to transact any account or purchase a rechargeable card to transact and obtain the business service, the business service can be obtained only by transacting electronic resources, the operation is simple and convenient, and the use experience of the user is improved.
Drawings
Fig. 1 is a schematic structural diagram of a transaction system according to an embodiment of the present application.
Fig. 2 is a schematic flow chart of a transaction method according to an embodiment of the present application.
Fig. 3 is a schematic flow chart of another transaction method provided in the embodiment of the present application.
Fig. 4 is a schematic structural diagram of a transaction apparatus according to an embodiment of the present disclosure.
Fig. 5 is a schematic structural diagram of a transaction system according to an embodiment of the present application.
Fig. 6 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
An electronic resource is a resource that exists in electronic form and can be transferred. The electronic resources may include, but are not limited to, electronic tokens. Wherein, in some embodiments, the electronic resource may be an electronic token, and the electronic token may be a token representing a cash value using an encrypted sequence number, e.g., a token embodying a gaming venue in electronic form, the sequence number being a valuable sequence number composed of a plurality of characters. In other embodiments, the electronic resource may also be electronic money of a CPU card such as financial IC card electronic wallet \ electronic cash, industrial IC card electronic wallet \ electronic cash, prepaid IC card electronic wallet \ electronic cash, and the like. Here, the electronic resource is issued and uniformly managed by an authority, which may be a merchant or a bank. The authority records the owner of each sequence number, and when the sequence number is transferred, the authority authenticates and records the sequence number.
Here, the authority may include two or more levels of issuers, for example, the first issuer is the overall authority, the owner of each sequence number is recorded, and the authority is authenticated and recorded when the sequence number is transferred. The second issuer may be a plurality of authority authorities, the request initiated when the user performs the sequence number transfer is initiated to the second issuer, the request transfers the sequence number from the first electronic resource owner unique code (ID) to the second electronic resource owner ID, the second issuer forwards the related information to the first issuer, and the first issuer performs the authentication and the recording. The third issuer can also be set, and the third issuer accepts the request initiated by the user during the sequence number transfer, authenticates the user and the ID of the resource bearing module held by the user, records the resource transfer data, such as the number of resource transfers, and submits the recording result to the first issuer.
The resource bearing module can split the electronic resource sequence number (character string) into two or more electronic resource sequence numbers with different numerical values meeting the requirements of an authority, and the authority can check whether the split is in correct compliance. For example, the payment information includes the signature information of the hardware wallet and the electronic resource sequence number, and based on a PKI system, the authority realizes signature verification of the terminal and the sequence number, so as to verify the validity of string splitting. Here, the resource bearing module provided in the embodiments of the present application may be presented in the form of hardware, or may also be presented in the form of software. For example, the hardware resource carrying module may be a SE, or an embedded SE. In the hardware resource bearing module, the electronic resource sequence number (string) is stored in the SE, and data processing and encryption are completed in the SE. A software resource bearer may refer to a software module without SE. The interactive mode can be the same as that of the hardware resource bearing module, and data can be uploaded to an authority party in real time through a carrier of the software resource bearing module through a resource transaction network. The resource bearing module, whether in hardware or software, may be used to hold the resource of the resource holder.
The two different hardware resource bearing modules can transmit the electronic resource sequence number through a short-distance communication network, and the hardware resource bearing modules record the relevant information of the transmitted electronic resource sequence, including information such as provider ID, receiver ID, the transmitted electronic resource sequence number, transmission time and the like. This information may be stored off-line and synchronized to the authority when the hardware resource-bearing module is connected to the resource's proprietary network.
The two different software resource bearing modules can transmit the electronic resource sequence number through the resource transaction network, and the software resource bearing modules record the relevant information of the transmitted electronic resource sequence, including the information of provider ID, receiver ID, the transmitted electronic resource sequence number, transmission time and the like. The software resource bearing module synchronizes information to an authority directly through a proprietary network of resources.
The transaction of the electronic resource occurs between the resource-bearing modules. The holder of the resource must use the resource bearer module to conduct the transaction. The essence of the transaction is the transfer of electronic resources in and out.
In some embodiments, the resource bearing module supports fully offline, semi-online, and fully online transactions, which of course must be limited by certain risk parameter requirements. The off-line transaction mode refers to a mode in which two devices perform transactions without being connected to the internet. The semi-online mode refers to a mode that one of two devices is disconnected from the internet to conduct transactions. The online transaction mode refers to a mode of transaction of two devices under the condition of connecting with the internet.
A proprietary network of resources refers to a proprietary network consisting of authorities for resources.
It should be noted that, in the embodiment of the present application, the electronic resource may also be a substitute for cash, and may provide a cash-like experience with convenience, security, and high privacy. The resource system may be similar to existing official money systems. In addition, the transaction method provided by the embodiment of the application can be applied to the payment process of digital currency.
People need to handle many business services in life, such as paying for water and electricity, renting rooms, renting cars and the like. After the business service is handled, the business needs to be paid and recharged, so that continuous business service can be obtained. At present, in the process of paying and recharging, a prepaid card, such as a rechargeable card, may be used, and a user needs to use a designated device, such as a bluetooth card reader, to charge money into the prepaid card through a network point or an Application program (APP), and then insert the prepaid card into a metering device, and the metering device transfers the balance in the card into the metering device, and then provides a service. The balance transferred into the metering equipment cannot be transferred out, and when the balance in the prepaid card needs to be transferred out, the user needs to go to a related website for manual handling. The user can also register the account on the related APP, and then pay to the operator of the business service through the APP, and the operator writes the cost into the metering equipment through the network. Wherein the balance in the metering device cannot be transferred out. Therefore, the operation of the user for acquiring the business service is complicated by registering an account or purchasing a rechargeable card.
In order to solve the technical problems in the related art, embodiments of the present application provide a transaction method, apparatus, system, device, and storage medium, so that a user does not need to transact any account or purchase a rechargeable card to transact to obtain a business service, and can obtain the business service only through electronic resources, which is simple and convenient to operate and improves the user experience.
As shown in fig. 1, the transaction system provided in the embodiment of the present application includes a user terminal 101, a receiving terminal 102, an operator 103 of a target business service, and a server 104 of an electronic resource issuer. The user terminal 101 may integrate an SE, and the SE may carry a resource carrying module, so as to be able to circulate electronic resources with other devices. Or the user terminal can also install the APP as a resource bearing module, so that the circulation of electronic resources can be carried out with other equipment. The payee terminal 102 may be integrated with an SE, which may carry a resource carrying module. In addition, the checkout terminal 102 may further include a metering module, a short-range communication module, and a control module. The metering module is used for metering the amount of the target business service used by the user; the short-range communication module is used for short-range communication with the user terminal. The trading system provided by the embodiment of the application can execute the trading method provided by the embodiment of the application. The following describes in detail a transaction method provided in the embodiment of the present application, with the transaction system provided in the embodiment of the present application as an execution subject.
In some embodiments, the SE may be an Embedded Secure Element (eSE).
Fig. 2 is a flow chart illustrating a transaction method 200 according to an embodiment of the present disclosure. As shown in fig. 2, the transaction method provided by the embodiment of the present application may include S201 and S202.
S201: and receiving the first electronic resource transferred by the first resource bearing module of the user terminal.
S202: and locking the first electronic resource in a second resource bearing module borne by the SE for providing the target service for the user.
Under the condition that the user terminal is in short-distance communication with the money receiving terminal, a user can recharge the money receiving terminal through the user terminal, and recharge the first electronic resource in the first resource bearing module of the user terminal to the second resource bearing module of the money receiving terminal. After receiving the first electronic resource transferred by the user terminal, the money receiving terminal locks the first electronic resource in the second resource bearing module of the money receiving terminal, so that the first electronic resource is not drawn under an account of an operator, when the user needs to refund, the user can also withdraw the money from the second resource bearing module, the user does not need to go to a fixed website to handle the refund, the operation is simple and convenient, and the time of the user is saved.
Here, the first electronic resource transferred from the user terminal to the payee terminal may be transmitted in the form of a sequence number.
For example, the gathering terminal is a gas meter integrated with SE, when a user needs to purchase gas, the user can establish short-distance communication with the gas meter through a terminal such as a mobile phone, and then the user can pay 50-element electronic resources from a resource bearing module of the user terminal to the resource bearing module of the gas meter through the user terminal.
In some embodiments, the first electronic resource further carries a first identity of the first resource-bearing module. The payee terminal stores the first identity of the first resource bearer.
The transaction method provided by the embodiment of the application further comprises at least one of a charging process, a collection process and a cash withdrawal process. Each of the above-described processes will be described in detail below.
First, a charging process is involved.
Specifically, first, the metering module calculates a total amount of the target business service corresponding to the first electronic resource, that is, a total amount of the target business service that the first electronic resource can provide to the user. And then, when the usage amount of the target business service is larger than the total amount of the target business service, generating prompt information for prompting the user that the target business service is exhausted.
The prompt message can be a sound prompt message, a light prompt message and the like. For example, the money receiving terminal may further integrate a voice playing module, so that the voice prompt information is played through the voice playing module. The collection terminal can also integrate a prompting lamp, so that the target business service is prompted to reach the total amount through the prompting lamp.
For example, if the gas meter receives 100 yuan of electronic resources paid by the user through the mobile phone, the total amount of gas corresponding to the 100 yuan of electronic resources, such as 80 cubic meters of gas, needs to be calculated, that is, 80 cubic meters of gas can be provided to the user. In the process of using the gas by the user, the gas meter can measure the quantity of the gas used by the user in real time, and when the quantity of the gas used by the user reaches 80 cubic meters, the gas meter can automatically trip to stop providing the gas for the user continuously. Meanwhile, the gas meter can also generate prompt information to prompt the user that 80 cubic meters of gas is used up.
For another example, if the water meter receives 100 yuan of electronic resources paid by the user through the mobile phone, the total amount of tap water corresponding to the 100 yuan of electronic resources, such as 80 tons of tap water, needs to be calculated, that is, 80 tons of tap water can be provided to the user. In the process that the user uses the tap water, the tap water meter can measure the amount of the tap water used by the user in real time, and when the amount of the tap water used by the user reaches 80 tons, the water meter can automatically trip to stop continuously providing the tap water for the user. Meanwhile, the water meter can also generate prompt information to prompt the user that 80 tons of tap water are used up.
The embodiment of the present application can also be applied to a game machine, an electric meter, a refueling device of a gas station, etc. integrated with the SE bearing resource bearing module, which is not specifically limited herein.
Second, it relates to the collection process.
The receiving terminal can be directly communicated with the operator through networking, and can also be communicated with the issuer of the electronic resource through the user terminal, so that the operator of the target business service finishes receiving the money, namely the transaction method provided by the embodiment of the application can be applied to the receiving terminal which cannot be connected with the network.
In the money receiving process, firstly, under the condition that a money receiving terminal meets a preset condition, calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus amount of the target business service; and secondly, transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of an operator of the target business service. Wherein, satisfying the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
The collection process needs a certain trigger condition, such as the collection terminal being networked, the collection terminal receiving a collection instruction sent by the user terminal, or the collection terminal receiving a refund request sent by the user terminal.
When the collection process is triggered, the collection terminal can calculate a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the remaining amount of the target business service.
For example, if the first electronic resource is 100 yuan, the total amount of the corresponding gas is 80 cubic meters, and the gas usage amount of the current user is 20 cubic meters, the corresponding first cost value is 25 yuan, and the 25 yuan electronic resource is transferred to the resource bearing module of the operator of the target business service.
Specifically, in the process of collecting money by the operator, the money receiving terminal may split a first sequence number corresponding to the first electronic resource into two sequence numbers, which are a second sequence number corresponding to the first cost value and a third sequence number corresponding to the second cost value, respectively, and then transfer the second sequence number into a third resource carrying module of the operator.
For example, if the first electronic resource is 100 yuan, the total amount of the corresponding gas is 80 cubic meters, and the gas usage amount of the current user is 20 cubic meters, the corresponding first cost value is 25 yuan, and the second cost value corresponding to the surplus is 75 yuan, the sequence number corresponding to 100 yuan is split into a sequence number corresponding to 25 yuan and a sequence number corresponding to 75 yuan, and the sequence number corresponding to 25 yuan is transferred to the resource carrying module of the target service provider.
In some embodiments, the payment receiving process may also be accomplished by short-range communication with the user terminal when the payment receiving terminal is unable to communicate with the operator through the network. Specifically, first information is sent to the user terminal, the first information comprises a first identity identifier, a second identity identifier of a second resource bearing module, a third identity identifier of a third resource bearing module, a first cost value and a second cost value, so that the user terminal sends the first information to the server of the electronic resource issuer, the server of the electronic resource issuer determines a second electronic resource corresponding to the first cost value and a third electronic resource corresponding to the second cost value according to the second identity identifier, and transfers the second electronic resource to the third resource bearing module according to the first identity identifier and the third identity identifier, or the server of the electronic resource issuer splits the first sequence number of the first electronic resource according to the first identity identifier, the first cost value and the second cost value, so as to obtain a second sequence number corresponding to the first cost value and a third sequence number corresponding to the second cost value, and transferring the second sequence number to a third resource bearing module.
In some embodiments, a worker of an operator of the target business service receives the rights, e.g., the worker may set a resource-bearing module of the operator on the target device. The identity of the third resource bearing module may be stored in the cash receiving terminal when the cash receiving terminal leaves the factory. The working personnel can bear the resource bearing module on the SE of the target equipment, when the target equipment is communicated with the collection terminal, the working personnel can send a collection instruction to the collection terminal through the target equipment, wherein the collection instruction carries a fifth identity, and when the collection terminal detects that the fifth identity is the same as a prestored third identity, the collection terminal executes a charging process and transfers the second electronic resource into the third resource bearing module.
Finally, it relates to a cash-out process.
In the case of a refund request from a user terminal received by a receiving terminal, first, the receiving terminal performs a receiving process, and the specific receiving process is consistent with the receiving process, which is not described in detail herein. In the process of collecting the money, the money receiving terminal can calculate to obtain a second fee value, namely the money receiving terminal can calculate to obtain the residual value of the electronic resource charged by the user. And after the second expense value is calculated by the collection terminal, transferring the third electronic resource corresponding to the second expense value into the first resource bearing module of the user terminal. Or after the receiving terminal splits the sequence number of the first electronic resource, the third sequence number corresponding to the second expense value can be transferred to the first resource bearing module of the user terminal.
For example, the money receiving terminal is a game machine, wherein an SE is integrated on the game machine, and the SE carries a resource carrying module, so that when a user needs to play the game machine, the user does not need to purchase coins at a related person, and only needs to directly recharge the resource carrying module of the game machine through an electronic device with the resource carrying module, such as a mobile phone. The user has charged 100 yuan of electronic resources, the number of times that the user can operate the game machine is 10, and when the user does not want to continue to operate after operating the game machine for 8 times, the user can send a refund request to the game machine through the mobile phone, and the game machine can transfer the remaining electronic resources to the resource bearing module of the mobile phone.
Therefore, the user can freely withdraw cash without going to a website to handle refund service, the operation is simple and convenient, the user time is saved, and the user experience is improved.
In some embodiments, in order to ensure the security of withdrawal of the user, the refund request carries a fourth identity, and after receiving the refund request, the receiving terminal detects whether the fourth identity is consistent with an identity included in the electronic resource locked by the receiving terminal, that is, whether the fourth identity is consistent with the first identity.
In some embodiments, the refund request further carries a refund value, and the receiving terminal compares the refund value with the second cost value after receiving the refund request, and transfers the fourth electronic resource corresponding to the refund value to the first resource bearing module of the user terminal when the refund value is smaller than the second cost value. Here, the third electronic resource may be split into a sequence number corresponding to the refund value, and then the sequence number corresponding to the refund value is transferred to the first resource bearing module of the user terminal.
In some embodiments, the payee terminal may integrate a plurality of SEs, each carrying a resource carrying module. For example, the payee terminal carries two SEs, and the payee terminal includes a first wallet and a second wallet. In case the money receiving terminal includes two purses, the first purse may serve as a recharge purse and the second purse may serve as a money receiving purse. Specifically, after receiving the first electronic resource, the receiving terminal may lock the first electronic resource in the first wallet, and after the receiving terminal calculates the first cost value, the control module of the receiving terminal sends a first instruction to the first wallet, and the first wallet transfers the second electronic resource to the second wallet according to the first instruction, and locks a third electronic resource corresponding to the second cost value. Or the first wallet transfers the second sequence number to the second wallet, and the first wallet locks the third sequence number.
In some embodiments, relating to the refund process, the receiving terminal needs to transfer the third electronic resource in the first wallet to the first resource carrying module of the user terminal. Or transferring the third sequence number in the first wallet to the first resource bearing module.
According to the transaction method provided by the embodiment of the application, the collection terminal can be in short-distance communication with the user terminal, and the collection terminal can receive the first electronic resource transferred by the first resource bearing module of the user terminal, so that the collection terminal can lock the first electronic resource in the second resource bearing module of the collection terminal, and further the collection terminal can provide target business service for the user based on the first electronic resource. Therefore, the user does not need to transact any account or purchase a rechargeable card to transact the business service, the business service can be obtained only through electronic resources, the operation is simple and convenient, and the use experience of the user is improved.
As shown in fig. 3, the embodiment of the present application further provides another transaction method 300, and the transaction method 300 is applied to a transaction system. The transaction system comprises a first SE and a plurality of collection terminals, each collection terminal comprises a second SE, and the structure of the collection terminals in the transaction system is as that of the collection terminal in figure 1. The transaction method 300 provided by the embodiment of the application can include: s301 to S303.
S301: and the target resource bearing module borne by the first SE receives the fifth electronic resource transferred by the first resource bearing module of the user terminal.
S302: and under the condition that the collection terminal meets the preset condition, the collection terminal acquires the sixth electronic resource from the target resource bearing module. The satisfaction of the preset condition includes at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
S303: and locking the sixth electronic resource in a second resource bearing module borne by a second SE of the cash receiving terminal.
The first SE can be respectively in short-distance communication with the collection terminal, under the condition that the user terminal is in short-distance communication with the first SE, the user can recharge the first SE, under the condition that the first SE is in short-distance communication with the collection terminal, the collection terminal can collect the cost corresponding to the target service volume used by the user through the first SE, namely, the target resource bearing module borne by the first SE can transfer electronic resources to the second resource bearing module of the collection terminal, and the collection of the cost corresponding to the target service is completed. Therefore, the fifth electronic resource is not drawn to the account of the operator, when the user needs to refund, the fifth electronic resource can be brought back from the target resource bearing module, the user does not need to go to a fixed website to handle refund, the operation is simple and convenient, and the time of the user is saved.
Here, the fifth electronic resource that the user terminal transfers to the first SE may be transmitted in the form of a sequence number.
When the receiving terminal is connected with the network, or receives a receiving instruction, or receives a refund request, the receiving terminal can calculate a fee value corresponding to the usage amount of the target business service, and then charge a sixth electronic resource corresponding to the fee value from the first SE. And the payee terminal locks the sixth electronic resource in a second resource bearing module borne by a second SE of the payee terminal.
For example, in a house renting service, a target resource bearing module, a gas meter, an electric meter, a water meter and other collection terminals can be set, a user can recharge the target resource bearing module, and under the condition that the collection terminals meet preset conditions, each collection terminal can acquire electronic resources from the target resource bearing module and can communicate with an operator of the target business service. The gas meter, the electric meter and the water meter can acquire electronic resources from the target resource bearing module.
Specifically, the sixth electronic resource includes a first identity identifier of the target resource bearing module, and when the receiving terminal meets a preset condition, the receiving terminal obtains the sixth electronic resource from the target resource bearing module, where the sixth electronic resource includes: and under the condition that the collection terminal meets the preset condition, calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus of the target business service, and acquiring a sixth electronic resource from the target resource bearing module according to the first cost value.
In particular, in some embodiments, the second resource carrying module may split the sequence number of the fifth electronic resource. After receiving the first expense value, the second resource bearing module splits the sequence number of the fifth electronic resource to obtain the first sequence number and a second sequence number corresponding to the first expense value, namely to obtain the second sequence number corresponding to the sixth electronic resource, and transfers the second sequence number to the money receiving terminal.
In other embodiments, when the target resource bearing module receives the refund request, the target resource bearing module may send a collection instruction to the collection terminal, the collection terminal calculates the first cost value, then obtains the sixth electronic resource from the target resource bearing module, and the target resource bearing module transfers the remaining electronic resource to the first resource bearing module of the user terminal.
Specifically, the first sequence number may be transferred into the first resource carrying module.
According to the transaction method provided by the embodiment of the application, the target resource bearing module can recharge a plurality of money receiving terminals, so that a user does not need to transact any account or purchase a rechargeable card to transact and obtain business services, the business services can be obtained only through electronic resources, the operation is simple and convenient, and the use experience of the user is improved.
Based on the transaction method provided by the application, the application correspondingly provides a transaction device of one embodiment. In the following, the transaction device provided in the embodiment of the present application is described by taking the transaction device as an example to execute a transaction method.
Fig. 4 is a schematic structural diagram of a transaction apparatus 400 provided in the present application.
As shown in fig. 4, the transaction apparatus 400 provided by the present application is applied to a receiving terminal, the receiving terminal is in short-distance communication with a user terminal, the receiving terminal is integrated with an SE, and the transaction apparatus 400 may include: a receiving module 401 and a locking module 402.
The receiving module 401 is configured to receive a first electronic resource transferred by a first resource bearing module of a user terminal.
A locking module 402, configured to lock the first electronic resource in a second resource bearer module of the SE bearer, so as to provide the target service to the user.
In some embodiments, the first electronic resource includes a first identity of the first resource-bearing module, and the apparatus 400 further includes: the calculation module is used for calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the residual amount of the target business service under the condition that the collection terminal meets the preset condition; the transfer-in module is used for transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of an operator of the target business service; wherein, satisfying the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
In some embodiments, the transfer-in module comprises: the splitting unit is used for splitting the first sequence number of the first electronic resource to obtain a second sequence number corresponding to the first expense value and a third sequence number corresponding to the second expense value; and the switching-in unit is used for switching the second sequence number into the third resource bearing module, and the locking unit is used for locking the third electronic resource corresponding to the third sequence number.
In some embodiments, in the event a checkout instruction is received, the transfer-in module comprises: a sending unit, configured to send first information to a user terminal, where the first information includes a first identity, a second identity of a second resource bearing module, a third identity of a third resource bearing module, a first cost value, and a second cost value, and is used for the user terminal to send the first information to a server of an electronic resource issuer, where the server of the electronic resource issuer determines, according to the second identity, a second electronic resource corresponding to the first cost value and a third electronic resource corresponding to the second cost value, and transfers the second electronic resource to the third resource bearing module according to the first identity and the third identity, or the server of the electronic resource issuer splits a first sequence number of the first electronic resource according to the first identity, the first cost value, and the second cost value, to obtain a second identity corresponding to the first cost value and a third sequence number corresponding to the second cost value, and transferring the second sequence number to a third resource bearing module.
In some embodiments, in the case that a refund request is received, the refund request includes a fourth identity, and in the case that the fourth identity is the same as the first identity, the apparatus 400 further includes: and the transfer-in module is used for transferring the third electronic resource corresponding to the second expense value into the first resource bearing module of the user terminal.
In some embodiments, the transferring module is specifically configured to transfer the third sequence number to the first resource bearer module of the user terminal.
In some embodiments, the refund request further includes a refund value, and the transfer module is specifically configured to transfer the fourth electronic resource corresponding to the refund value into the first resource bearing module when the refund value is smaller than the second cost value.
In some embodiments, the second resource-bearing module comprises a first wallet and a second wallet; a locking module to lock the first electronic resource in the first wallet.
The apparatus 400 further comprises: and the sending module is used for sending a first instruction to the first wallet so that the first wallet transfers the second electronic resource to the second wallet according to the first instruction, the first wallet locks a third electronic resource corresponding to the second expense value, or the first wallet transfers a second sequence number to the second wallet, and the first wallet locks a third sequence number.
In some embodiments, the payment instruction includes a fifth identification, and the apparatus 400 further includes: and the detection module is used for detecting whether the fifth identity is the same as the prestored third identity.
And the transfer-in module is also used for transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of the operator of the target business service under the condition that the fifth identity is the same as the third identity.
In some embodiments, the calculation module is further configured to calculate a total amount of the target business service corresponding to the first electronic resource; and the calculating module is also used for calculating whether the usage amount of the target business service is greater than the total amount of the target business service.
And the generating module is used for generating prompt information under the condition that the use amount of the target business service is greater than the total amount of the target business service, wherein the prompt information is used for prompting the user that the target business service is exhausted.
Each module/unit in the apparatus shown in fig. 4 has a function of implementing each step in fig. 2, and can achieve the corresponding technical effect, and for brevity, the description is not repeated here.
According to the transaction device provided by the embodiment of the application, the collection terminal can be in short-distance communication with the user terminal, and the collection terminal can receive the first electronic resource transferred by the first resource bearing module of the user terminal, so that the collection terminal can lock the first electronic resource in the second resource bearing module of the collection terminal, and further the collection terminal can provide target business service for the user based on the first electronic resource. Therefore, the user does not need to transact any account or purchase a rechargeable card to transact the business service, the business service can be obtained only through electronic resources, the operation is simple and convenient, and the use experience of the user is improved.
Fig. 5 is a block diagram of a transaction system 500 according to an embodiment of the present disclosure. As shown in fig. 5, transaction system 500 includes a first SE 501 and a plurality of checkout terminals 502, with checkout terminals 502 including a second SE.
The first SE 501 is configured to bear a target resource bearing module, and receive a fifth electronic resource transferred by the first resource bearing module of the user terminal.
The payee terminal 502 is configured to obtain the sixth electronic resource from the target resource bearer module and lock the sixth electronic resource in the second resource bearer module carried by the second SE of the payee terminal, when the payee terminal meets the preset condition.
The satisfaction of the preset condition includes at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
In some embodiments, the sixth electronic resource includes a first identity identifier of the target resource bearer module, and the payee terminal is configured to calculate a first cost value corresponding to a usage amount of the target service and a second cost value corresponding to a remaining amount of the target service when the payee terminal meets a preset condition, and acquire the sixth electronic resource from the target resource bearer module according to the first cost value.
In some embodiments, the receiving terminal is configured to send the first cost value to the target resource bearing module; and the target resource bearing module is used for splitting the sequence number of the fifth electronic resource according to the first expense value to obtain the first sequence number and a second sequence number corresponding to the sixth electronic resource, and transferring the second sequence number to the money receiving terminal.
In some embodiments, the target resource carrying module is configured to transfer the first sequence number to the first resource carrying module.
Each module/unit in the system shown in fig. 5 has a function of implementing each step in fig. 3, and can achieve the corresponding technical effect, and for brevity, the description is not repeated here.
According to the transaction system provided by the embodiment of the application, the target resource bearing module can recharge a plurality of money receiving terminals, so that a user does not need to transact any account or purchase a rechargeable card to transact and obtain business service, the business service can be obtained only through transaction electronic resources, the operation is simple and convenient, and the use experience of the user is improved.
Fig. 6 shows a hardware structure diagram of an electronic device provided in an embodiment of the present application.
As shown in fig. 6, the electronic device may include a processor 601 and a memory 602 storing computer program instructions.
Specifically, the processor 601 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement the embodiments of the present Application.
Memory 602 may include mass storage for data or instructions. By way of example, and not limitation, memory 602 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, tape, or Universal Serial Bus (USB) Drive or a combination of two or more of these. In one example, the memory 602 may include removable or non-removable (or fixed) media, or the memory 602 is non-volatile solid-state memory. The memory 602 may be internal or external to the integrated gateway disaster recovery device.
In one example, the Memory 602 may be a Read Only Memory (ROM). In one example, the ROM may be mask programmed ROM, programmable ROM (prom), erasable prom (eprom), electrically erasable prom (eeprom), electrically rewritable ROM (earom), or flash memory, or a combination of two or more of these.
The memory 602 may include Read Only Memory (ROM), Random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to methods in accordance with the present application.
The processor 601 reads and executes the computer program instructions stored in the memory 602 to implement the method/steps in the embodiment shown in fig. 2 and 3, and achieve the corresponding technical effect achieved by the example shown in fig. 2 and 3 executing the method/steps, which is not described herein again for brevity.
In one example, the electronic device may also include a communication interface 603 and a bus 610. As shown in fig. 6, the processor 601, the memory 602, and the communication interface 603 are connected via a bus 610 to complete communication therebetween.
The communication interface 603 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present application.
Bus 610 may include hardware, software, or both to couple the components of the checkout terminal to each other. By way of example, and not limitation, a Bus may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (Front Side Bus, FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a Micro Channel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus or a combination of two or more of these. Bus 610 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.
The electronic device can execute the transaction method in the embodiment of the application based on the currently intercepted spam messages and the messages reported by the user, so that the transaction method, the device and the system described in conjunction with fig. 2 to 5 are realized.
In addition, in combination with the transaction method in the foregoing embodiments, the embodiments of the present application may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the transaction methods of the above embodiments.
It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions or change the order between the steps after comprehending the spirit of the present application.
The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic Circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.
It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.
Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.
As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims (16)

1. A transaction method is applied to a collection terminal, the collection terminal is in short-distance communication with a user terminal, the collection terminal is integrated with an SE, and the transaction method comprises the following steps:
receiving a first electronic resource transferred by a first resource bearing module of the user terminal;
locking the first electronic resource in a second resource bearing module borne by the SE for providing a target service for a user;
the first electronic resource includes a first identity of a first resource bearer module, and after the locking the first electronic resource in a second resource bearer module carried by the SE, the method further includes:
under the condition that a preset condition is met, calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the residual amount of the target business service;
transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of an operator of the target business service;
wherein the meeting of the preset condition comprises at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
2. The method according to claim 1, wherein the transferring the second electronic resource corresponding to the first cost value to a third resource carrying module of an operator of the target service comprises:
splitting a first sequence number of the first electronic resource to obtain a second sequence number corresponding to the first expense value and a third sequence number corresponding to the second expense value;
and transferring the second sequence number to the third resource bearing module, and locking a third electronic resource corresponding to the third sequence number.
3. The method according to claim 1, wherein transferring the second electronic resource corresponding to the first cost value to a third resource bearing module of an operator of the target service in case of receiving a payment instruction comprises:
sending first information to a user terminal, where the first information includes the first identity, a second identity of the second resource bearing module, a third identity of the third resource bearing module, the first cost value, and the second cost value, so that the user terminal sends the first information to a server of an electronic resource issuer, where the server of the electronic resource issuer determines, according to the second identity, a second electronic resource corresponding to the first cost value and a third electronic resource corresponding to the second cost value, and transfers the second electronic resource to the third resource bearing module according to the first identity and the third identity, or the server of the electronic resource issuer splits a first sequence number of the first electronic resource according to the first identity, the first cost value, and the second cost value, and obtaining a second sequence number corresponding to the first expense value and a third sequence number corresponding to the second expense value, and transferring the second sequence number to the third resource bearing module.
4. The method of claim 2, wherein in case a refund request is received, the refund request comprises a fourth identity, and in case the fourth identity is the same as the first identity, after the calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the remaining amount of the target business service, the method further comprises:
and transferring the third electronic resource corresponding to the second expense value into a first resource bearing module of the user terminal.
5. The method according to claim 4, wherein the transferring the third electronic resource corresponding to the second cost value to the first resource carrying module of the user terminal comprises:
and transferring the third sequence number to a first resource bearing module of the user terminal.
6. The method according to claim 4, wherein the refund request further includes a refund value, and the transferring the third electronic resource corresponding to the second cost value to the first resource bearing module of the user terminal comprises:
and transferring the fourth electronic resource corresponding to the refund value into the first resource bearing module under the condition that the refund value is smaller than the second expense value.
7. The method of claim 2, wherein the second resource-bearing module comprises a first wallet and a second wallet; the locking the first electronic resource in a second resource bearing module borne by the SE includes:
locking the first electronic resource in the first wallet;
after the calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the remaining amount of the target business service, before transferring the second electronic resource corresponding to the first cost value to a third resource bearing module of an operator of the target business service, the method further includes:
and sending a first instruction to the first wallet, so that the first wallet transfers the second electronic resource to the second wallet according to the first instruction, the first wallet locks a third electronic resource corresponding to the second expense value, or the first wallet transfers the second electronic resource to the second wallet and the first wallet locks the third sequence number.
8. The method according to claim 1, wherein the payment instruction includes a fifth id, and before the transferring the second electronic resource corresponding to the first cost value to a third resource carrying module of an operator of the target business service, the method further comprises:
detecting whether the fifth identity is the same as a pre-stored third identity or not;
the transferring the second electronic resource corresponding to the first cost value to a third resource bearing module of the operator of the target service includes:
and under the condition that the fifth identity is the same as the third identity, transferring the second electronic resource corresponding to the first expense value into a third resource bearing module of the operator of the target business service.
9. The method according to any of claims 1-8, wherein after said locking said first electronic resource in a second resource bearer module of said SE bearer, said method further comprises:
calculating the total amount of the target business service corresponding to the first electronic resource;
calculating whether the usage amount of the target business service is larger than the total amount of the target business service;
and generating prompt information under the condition that the usage amount of the target business service is larger than the total amount of the target business service, wherein the prompt information is used for prompting a user that the target business service is exhausted.
10. A transaction method applied to a transaction system, wherein the transaction system comprises a first SE and a plurality of receiving terminals, each receiving terminal comprises a second SE, and the method comprises the following steps:
the target resource bearing module borne by the first SE receives a fifth electronic resource transferred by the first resource bearing module of the user terminal;
under the condition that the collection terminal meets the preset condition, the collection terminal acquires a sixth electronic resource from the target resource bearing module and locks the sixth electronic resource in a second resource bearing module borne by a second SE of the collection terminal so as to collect the use amount of the target business service;
the meeting of the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request;
the sixth electronic resource includes a first identity identifier of the target resource bearing module, and the receiving terminal acquires the sixth electronic resource from the target resource bearing module when the receiving terminal meets a preset condition, where the method includes:
and the collection terminal calculates a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus of the target business service under the condition that the collection terminal meets the preset condition, and acquires the sixth electronic resource from the target resource bearing module according to the first cost value.
11. The method of claim 10, wherein obtaining the sixth electronic resource from the first resource bearing module according to the first cost value comprises:
the collection terminal sends the first expense value to the target resource bearing module;
and the target resource bearing module splits the sequence number of the fifth electronic resource according to the first expense value to obtain a first sequence number and a second sequence number corresponding to the sixth electronic resource, and transfers the second sequence number to the money receiving terminal.
12. The method according to claim 11, wherein in case that the preset condition is that a refund request is received, the method further comprises:
and the target resource bearing module transfers the first sequence number to the first resource bearing module.
13. A transaction device is applied to a collection terminal, the collection terminal is in short-distance communication with a user terminal, the collection terminal is integrated with an SE, and the transaction device comprises:
the receiving module is used for receiving the first electronic resource transferred by the first resource bearing module of the user terminal;
the locking module is used for locking the first electronic resource in a second resource bearing module borne by the SE so as to provide a target service for a user;
the first electronic resource includes a first identity of a first resource bearing module, and the apparatus further includes:
the calculation module is used for calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the residual amount of the target business service under the condition that a preset condition is met;
a transfer-in module, configured to transfer the second electronic resource corresponding to the first cost value into a third resource bearing module of the operator of the target service;
wherein the meeting of the preset condition comprises at least one of: the collection terminal is connected with the network, receives a collection instruction and receives a refund request.
14. A transaction system, comprising a first SE and a plurality of checkout terminals;
the first SE is used for bearing a target resource bearing module and receiving a fifth electronic resource transferred by the first resource bearing module of the user terminal;
the collection terminal is used for acquiring a sixth electronic resource from the target resource bearing module and locking the sixth electronic resource in a second resource bearing module borne by a second SE of the collection terminal under the condition that the collection terminal meets a preset condition;
the meeting of the preset condition comprises at least one of the following: the collection terminal is connected with the network, receives a collection instruction and receives a refund request;
the sixth electronic resource comprises a first identity identifier of the target resource bearing module, and the charge collection terminal is used for calculating a first cost value corresponding to the usage amount of the target business service and a second cost value corresponding to the surplus amount of the target business service under the condition that the charge collection terminal meets the preset condition, and acquiring the sixth electronic resource from the target resource bearing module according to the first cost value.
15. An electronic device, characterized in that the device comprises: a processor, and a memory storing computer program instructions; the processor reads and executes the computer program instructions to implement the transaction method of any one of claims 1-9, or the transaction method of any one of claims 10-12.
16. A computer storage medium having computer program instructions stored thereon which, when executed by a processor, implement the transaction method of any one of claims 1-9, or the transaction method of any one of claims 10-12.
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