CN112926971B

CN112926971B - Payment method and device based on stored value card

Info

Publication number: CN112926971B
Application number: CN202110308865.4A
Authority: CN
Inventors: 陈日旺
Original assignee: AlipayCom Co ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-03-23
Filing date: 2021-03-23
Publication date: 2023-03-21
Anticipated expiration: 2041-03-23
Also published as: CN112926971A

Abstract

The embodiment of the specification provides a stored value card-based payment method and a device, wherein the stored value card-based payment method comprises the following steps: acquiring a payment order of a stored value card; deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order; deducting and settling the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount; and transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

Description

Payment method and device based on stored value card

Technical Field

The present document relates to the field of payment processing technologies, and in particular, to a stored-value card based payment method and apparatus.

Background

The stored value card is a prepaid wallet type debit card which is directly deducted from the card during transaction, common stored value cards comprise a bus card, a subway card, a catering consumption card, a hairdressing consumption card and the like, the application of the stored value card has already gained common acceptance of merchants and consumers, but with the rapid development of mobile payment, the market range of the stored value card has already been seized, the use frequency of the stored value card by the consumers is greatly reduced to convert the use into more convenient mobile payment, and higher challenges are provided for merchants issuing the stored value card.

Disclosure of Invention

One or more embodiments of the present specification provide a stored-value card based payment method. The stored-value card-based payment method comprises the following steps: a payment order for a stored value card is obtained. And deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order. And deducting and settling the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount. And transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

One or more embodiments of the present specification provide a stored value processing method for a stored value card, comprising: a request for stored value submitted for a stored value card is obtained. And deducting the payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account associated with the stored value card. And inquiring a stored value escrow account opened by an issuer corresponding to the institution identification according to the institution identification contained in the stored value request. And transferring the funds to be stored obtained by deducting money to the stored value escrow account.

One or more embodiments of the present specification provide a stored-value card-based payment device, comprising: a payment order acquisition module configured to acquire a payment order for a stored value card. And the accounting amount deduction module is configured to deduct the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order. And the deduction settlement module is configured to deduct money and settle the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount. And the stored value fund transfer module is configured to transfer the stored value fund obtained by deduction settlement into a collection account of the card issuing mechanism.

One or more embodiments of the present specification provide a stored value processing apparatus for a stored value card, comprising: a stored value request acquisition module configured to acquire a stored value request submitted for a stored value card. And the accounting amount updating module is configured to deduct money from a user payment account according to the stored value amount contained in the stored value request and update the accounting amount in the user accounting account associated with the stored value card. And the escrow account inquiry module is configured to inquire a stored value escrow account opened by an issuer corresponding to the institution identification according to the institution identification contained in the stored value request. And the fund transfer module is configured to transfer funds to be stored obtained by deduction into the stored value deposit account.

One or more embodiments of the present specification provide a stored-value card-based payment device comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: a payment order for a stored value card is obtained. And deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order. And deducting and settling the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount. And transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

One or more embodiments of the present specification provide a stored value processing apparatus for a stored value card, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: a request for stored value submitted for a stored value card is obtained. And deducting the payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account associated with the stored value card. And inquiring a stored value escrow account opened by an issuer corresponding to the institution identification according to the institution identification contained in the stored value request. And transferring the funds to be stored obtained by deducting money to the stored value escrow account.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: a payment order for a stored value card is obtained. And deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order. And carrying out deduction settlement on the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount. And transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following flow: a request for stored value submitted for a stored value card is obtained. And deducting the payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account associated with the stored value card. And inquiring a stored value escrow account opened by an issuer corresponding to the institution identification according to the institution identification contained in the stored value request. And transferring the funds to be stored obtained by deducting money to the stored value escrow account.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

FIG. 1 is a process flow diagram of a stored value card based payment method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a stored-value card-based payment method applied to a bus card payment scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a stored-value card-based payment method applied to an electronic consumer card payment scenario as provided in one or more embodiments of the present description;

FIG. 4 is a process flow diagram of a method for processing stored value of a stored value card according to one or more embodiments of the present disclosure;

FIG. 5 is a process flow diagram of a stored value processing method for a stored value card applied to a transit card payment scenario according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a stored value card-based payment device according to one or more embodiments of the present disclosure;

FIG. 7 is a schematic view of a stored value processing apparatus for a stored value card according to one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a stored value card-based payment device according to one or more embodiments of the present disclosure;

FIG. 9 is a schematic diagram of a stored value processing device of a stored value card according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The embodiment of a payment method based on a stored value card provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a stored-value card-based payment method provided in this embodiment, referring to fig. 2, which shows a processing flow chart of a stored-value card-based payment method applied to a bus card payment scenario provided in this embodiment, referring to fig. 3, which shows a processing flow chart of a stored-value card-based payment method applied to an electronic consumer card payment scenario provided in this embodiment.

Referring to fig. 1, the stored-value card-based payment method provided in this embodiment specifically includes steps S102 to S108.

Step S102, obtaining a payment order of the stored value card.

According to the payment method based on the stored value card, on the basis of agreement signing by the card issuing organization, the payment platform and the financial institution, in the process of order payment by using the stored value card by a user, the amount of booked money in a user booked account related to the stored value card created after agreement signing is deducted from the payment amount of a payment order submitted by the user aiming at the stored value card, and the corresponding stored value money is deducted from the stored value escrowed account of the card issuing organization to be settled to a collection account of the card issuing organization, so that order payment processing based on the stored value card is realized.

In this embodiment, the user uses the stored-value card to pay for the order, and needs to be realized on the basis that agreement signing is carried out in card issuing institution, payment platform and financial institution three-party, specifically, agreement signing is carried out in card issuing institution, payment platform and financial institution three-party, and includes: the card issuing institution signs a stored value escrow agreement with the financial institution, signs a stored value cooperation agreement with the payment platform, and signs a fund management agreement with the payment platform; and the signing of the fund management agreement is carried out after the signing of the stored value cooperation agreement and the stored value escrow agreement, namely: the signing of the funds management agreement is performed based on the stored value partnership agreement and the stored value escrow agreement.

The card issuing institution signs a stored value escrow agreement with the financial institution, transfers the stored value fund deposited by the user aiming at the stored value card to the financial institution for escrow, and obtains fund income generated by the escrowed stored value fund from the financial institution, and an account opened by the financial institution for escrowing the stored value fund is called as a stored value escrow account after the card issuing institution finishes signing the agreement with the financial institution. The card issuing mechanism signs a stored value cooperation agreement with the payment platform, and the payment platform carries out payment processing for order payment submitted by a user aiming at the stored value card. The financial institution realizes payment processing on order payment submitted by a user for the stored-value card by cooperating with the payment platform and the signed fund management agreement with the payment platform, and fund income (fund income generated by the stored-value fund in the stored-value escrow account in the financial institution) which is supposed to be sent to the card issuing institution can be periodically sent to the card issuing institution by the payment platform.

Furthermore, from the perspective of the user, in order to improve the perception of the user on the stored value funds stored in the stored value card, an account of the user for the stored value card is created in the card issuing institution, the actual stored value funds are not stored in the account (the stored value funds are stored in the stored value hosting account and are hosted to be managed by the financial institution), the account is only used for embodying the amount information of the stored value funds in the stored value card of the user, therefore, the account of the user for the stored value card is created in the card issuing institution in a manner of a billing account, which is called a user billing account, it is noted that the user billing account is associated with the stored value card, and the billing amount in the user billing account is synchronized with the amount of the stored value funds stored in the stored value card of the user, that is, synchronized with the stored value fund portion of the user in the stored value hosting account.

The card issuing mechanism comprises mechanisms such as merchants and enterprises for providing stored value cards for users, for example, a public transport operation mechanism for issuing electronic public transport cards to users, a catering business for issuing catering consumption electronic cards to users, and a resource operation mechanism for issuing virtual resource electronic cards to users. Correspondingly, the stored-value card issued to the user is a payment voucher for performing electronic payment, and the user can perform order payment by charging funds or resources to the payment voucher, such as an electronic bus card issued by a bus operator, a catering consumption electronic card issued by a restaurant, and a virtual resource electronic card issued by a resource operator.

In this embodiment, an electronic bus card taking a bus through a bus code is taken as an example, the payment process of the stored-value card is specifically described, and the payment implementation manners of other types of stored-value cards are similar to those of the electronic bus card, and only the payment implementation manner of the stored-value card is referred to, which is not described in detail herein.

It should be noted that, in order to ensure the fund security of the stored value fund charged by the user for the stored value card, the stored value escrow account opened by the card issuing institution in the financial institution refers to an exclusive independent account opened for managing the stored value card of the card issuing institution, the fund stored in the stored value escrow account is composed of the stored value fund charged by the user for the stored value card issued by the card issuing institution, and the card issuing institution does not have a use right for directly using the stored value fund stored in the stored value escrow account. Meanwhile, in order to further improve the security of the stored-value funds in the stored-value escrow account, the stored-value funds are defined to be used for payment settlement of payment orders with payment types corresponding to the stored-value card issued by the card issuing institution, namely: the stored value fund stored in the stored value escrow account is the fund charged by a user of a public transport operation organization aiming at the electronic public transport card, and if a public transport expense order submitted by the user in the process of using the electronic public transport card is allowed to pay by using the stored value fund stored in the stored value escrow account; if the payment order submitted by the user is a payment order of another payment type, the stored value funds stored in the current stored value escrow account cannot be used for payment.

In specific implementation, the payment order of the stored-value card is generated after code scanning payment or scanned payment is carried out on the basis of the payment code of the stored-value card at a user terminal of a user; and the payment amount of the payment order is obtained after calculation of pricing according to settlement configuration information configured by the issuing institution for the issued stored-value card and the order amount.

For example, a user opens a bus code bound by an electronic bus card, the bus code is displayed to a code scanning assembly of the bus, the bus code is scanned to generate a bus payment order, the actual payment amount of the bus payment order is obtained after pricing calculation is carried out according to the actual discount (8-fold) of the bus operation mechanism and the original order amount (2 yuan for single card swiping payment), and the payment amount of the payment order obtained after pricing calculation is 1.6 yuan.

After that, in order to further optimize the payment experience of the user for order payment by using the stored-value card, in an optional implementation manner provided by this embodiment, after a payment order of the stored-value card submitted by the user is obtained, it is determined whether the available stored-value amount of the stored-value card is greater than or equal to the payment amount of the payment order; the available stored value amount of the stored value card is consistent with the accounting amount of the user accounting account associated with the stored value card;

if yes, the order payment submitted by the user at present can be paid through the stored value card of the user, and then the following step S104 is executed;

if not, the order payment submitted by the user at present is shown to be incapable of being paid through the stored value card of the user, and then the payment settlement of the payment order is carried out based on the payment account of the user to which the stored value card belongs.

Optionally, the stored value escrow account is opened at a financial institution by the card issuer, and the fund benefit obtained from the stored value fund stored in the stored value escrow account is issued to the card issuer.

In practical applications, in the process of performing revenue calculation of the stored value fund that is escrowed to the financial institution by the card issuing institution through the stored value escrow account, in an optional implementation manner provided by this embodiment, the performing revenue calculation and issuing instead by a payment platform that implements the stored value card-based payment method specifically includes: performing revenue calculation of the stored value funds in the stored value escrow account according to a stored value revenue strategy provided by a financial institution hosting the stored value escrow account; and transferring the calculated stored value income from the fund providing account of the financial institution to the collection account according to a preset settlement period.

For example, a public transport operation organization finds an electronic public transport card for a user, the stored value fund charged by the user for the electronic public transport card is escrowed to a financial institution and stored in an independent stored value escrow account opened by the public transport operation organization in the financial institution, that is: the stored value funds stored in the stored value escrow account consist of the stored value funds recharged by the user for the electronic bus card; and during income calculation, a payment platform which has an agreement with the public transport operation institution and the financial institution calculates the fund income generated by storing the stored-value fund in a stored-value escrow account, and transfers the calculated fund income from the financial institution to a collection account opened by the public transport operation institution on the payment platform, or transfers the calculated fund income from the financial institution to a collection channel provided by the public transport operation institution.

In addition, in the process of performing income calculation of the stored value fund deposited to the financial institution from the card issuing institution through the stored value escrow account, the financial institution may perform income calculation and issuing on income of the stored value fund deposited to the stored value escrow account by the card issuing institution, specifically, the stored value income of the stored value fund in the stored value escrow account in the financial institution hosting the stored value escrow account is calculated and obtained by the financial institution according to a stored value income strategy, and is synchronized to the collection account by the financial institution according to a preset settlement period.

And step S104, deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order.

In this embodiment, the user billing account is created based on the stored value cooperation agreement signed by the card issuing institution and the payment platform, the user billing account is associated with the stored value card, and the amount of the billing in the user billing account is synchronized with the amount of the stored value fund stored in the stored value card by the user, that is, synchronized with the amount of the stored value fund part of the user in the stored value escrow account. Here, during the order payment processing of the payment order, deducting the billing amount in the user billing account associated with the stored-value card based on the payment amount of the payment order, so that the billing amount in the user billing account is consistent with the remaining stored-value funds of the stored-value funds stored in the stored-value card by the user after the order payment.

And S106, carrying out deduction settlement on the stored value fund in the stored value escrow account of the card issuing institution based on the payment amount.

The method comprises the steps that a stored value escrow account of a card issuing organization is opened based on a stored value escrow agreement signed by the card issuing organization and a financial institution, corresponding stored value funds are deducted from the stored value escrow account of the card issuing organization by a payment platform and are settled into a collection account of the card issuing organization on the basis of agreement signing of the financial institution and a payment platform, specifically, the payment platform executes deduction settlement based on a fund management agreement signed by the financial institution and the payment platform, namely, the stored value funds stored in the stored value escrow account are deducted according to an account deduction authority aiming at the stored value escrow account obtained after the agreement signing of the fund management.

And step S108, transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

As described above, although the user deposits funds into the stored-value card, the stored-value funds deposited into the stored-value card are further deposited to the stored-value hosting account of the card issuing institution, so that the card issuing institution does not have a right to use the stored-value funds stored in the stored-value hosting account, but transfers the stored-value funds deducted from the stored-value hosting account to the payment account of the card issuing institution by the payment platform based on a three-party signed agreement, thereby completing the order payment processing for the payment order submitted by the stored-value card.

In practical application, after applying for opening the stored-value card to the card issuing organization, the user needs to store corresponding funds into the stored-value card, that is: the method includes the steps of performing value storage processing on the value-stored card to perform corresponding payment operation subsequently through the value-stored card, for example, after a user opens an electronic bus card, the user needs to store funds into the electronic bus card to perform code scanning and bus payment by using a bus code bound by the value-stored card, where in an optional implementation manner provided by this embodiment, the value storage processing of the value-stored card specifically includes:

1) Deducting a payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the accounting account of the user;

2) Transferring the funds to be stored obtained by deducting money to the stored value escrow account;

3) And synchronizing the fund stored value bill of the stored value escrow account to the card issuing institution in an asynchronous and synchronous mode.

In a specific implementation, because the funds deposited by the user for the stored-value card are escrowed to a stored-value escrow account opened by the financial institution by the card issuing institution to obtain corresponding fund profits, and the order payment processing submitted by the user for the stored-value card is processed by a payment platform, in order to ensure that the card issuing institution can synchronously sense the change of the stored-value funds in the stored-value escrow account, in an optional implementation manner provided by this embodiment, a stored-value fund bill of the stored-value escrow account is synchronized to the card issuing institution according to a preset synchronization period, where the stored-value fund bill records a transfer-in record and a transfer-out record of the stored-value escrow account within the preset synchronization period, so that the card issuing institution can synchronously sense the change of the stored-value funds in the stored-value escrow account without being frequently "disturbed" by the change of the stored-value due to each order payment of each user, thereby improving the actual experience and participation enthusiasm of the card issuing institution.

In addition, in practical application, there are often scenes in which the user needs to cancel the stored-value card due to various practical situations, and for this reason, in an optional implementation manner provided in this embodiment, whether the billing amount is 0 is determined according to the submitted card-refunding instruction;

if yes, carrying out logout processing on the stored value card;

if not, refunding the stored value fund stored in the stored value card by the user, specifically, in the process of refunding the stored value fund (to-be-refunded value fund) remaining in the stored value card, firstly inquiring a payment channel of the accounting amount in the stored value escrow account for the to-be-refunded value fund, then deducting the to-be-refunded value fund from the stored value escrow account, and transferring the to-be-refunded value fund into the user account according to the payment channel.

The stored-value card-based payment method provided in this embodiment is further described below by taking an application of the stored-value card-based payment method provided in this embodiment in a bus card payment scenario as an example, and referring to fig. 2, the stored-value card-based payment method applied in the bus card payment scenario specifically includes steps S202 to S214.

And S202, acquiring a payment order generated after the user terminal performs code scanning payment based on the bus code bound by the bus card.

Step S204, judging whether the available stored value amount of the bus card is larger than or equal to the payment amount of the payment order;

if yes, go to step S206 to step S212;

if not, go to step S214.

And S206, deducting the accounting amount in the user accounting account associated with the bus card.

And S208, carrying out deduction settlement on the stored value fund in the stored value escrow account of the public transport operation institution based on the payment amount.

And step S210, transferring the stored value fund obtained by deduction and settlement into a collection account of the public transport operation institution.

Step S212, the deduction settlement records of the stored value escrow account are synchronized to the public transport operation institution.

And step S214, carrying out payment settlement of the payment order based on the payment account of the user to which the bus card belongs.

Before, during or after the payment processing based on the bus card, the income calculation of the stored value fund in the stored value escrow account is carried out according to the stored value income strategy provided by the financial institution hosting the stored value escrow account, and the calculated stored value income is transferred from the fund providing account of the financial institution to the collection account of the bus operation institution according to the preset settlement period.

The stored-value card-based payment method provided in this embodiment is further described below by taking an application of the stored-value card-based payment method provided in this embodiment to an electronic consumer card payment scenario as an example, and referring to fig. 3, the stored-value card-based payment method applied to the electronic consumer card payment scenario specifically includes steps S302 to S314.

Step S302, obtaining a payment order generated after the user terminal conducts code scanning payment based on the payment code of the electronic consumption card.

Step S304, judging whether the accounting amount in the user accounting account associated with the electronic consumption card is larger than or equal to the payment amount of the payment order;

if yes, go to step S306 to step S314;

and if not, carrying out payment settlement of the payment order based on the payment account of the user to which the bus card belongs.

And S306, deducting the billing amount in the user billing account associated with the electronic consumption card.

And step S308, deducting and settling the stored value funds in the stored value escrow account of the consumption service merchant based on the payment amount.

Step S310, transferring the stored value funds obtained by deduction and settlement into a collection account of the consumption service merchant.

Step S312, the income calculation of the stored value fund in the stored value escrow account is carried out according to the stored value income strategy provided by the financial institution hosting the stored value escrow account.

Step S314, transferring the calculated stored value income from the fund providing account of the financial institution to the collection account of the consumption service merchant.

The embodiment of the stored value processing method of the stored value card provided by the specification comprises the following steps:

referring to fig. 4, which shows a processing flow chart of a stored value processing method of the stored value card provided by the embodiment, referring to fig. 5, which shows a processing flow chart of a stored value processing method of the stored value card applied to a bus card payment scenario provided by the embodiment.

Referring to fig. 4, the stored value processing method of the stored value card provided in this embodiment specifically includes steps S402 to S408.

Step S402, a stored value request submitted by aiming at the stored value card is obtained.

In specific implementation, after a stored value request submitted by a stored value card is acquired, whether a user accounting account associated with the stored value card is established or not is judged; if yes, the following step S404 is executed; if not, a user billing account associated with the stored value card is created, and the following step S404 is executed, the user payment account is deducted according to the stored value amount contained in the stored value request, and the billing amount in the user billing account associated with the stored value card is updated.

And S404, deducting the payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account related to the stored value card.

As described above, since the funds deposited by the user for the stored-value card are hosted to the stored-value hosting account opened by the card issuing institution at the financial institution to obtain corresponding fund profits, in order to ensure that the card issuing institution can synchronously sense the change of the stored-value funds in the stored-value hosting account, in an optional implementation manner provided by this embodiment, after deducting the payment account of the user according to the stored-value amount contained in the stored-value request and updating the accounting amount in the user accounting account associated with the stored-value card, a stored-value result page carrying the accounting amount is synchronously carried to the user; and/or synchronizing the fund stored value bill of the stored value escrow account to the card issuing institution in an asynchronous and synchronous mode.

Step S406, according to the institution identification contained in the stored value request, inquiring a stored value escrow account opened by a card issuing institution corresponding to the institution identification.

Step S408, transferring the funds to be stored obtained by deduction into the stored value escrow account.

For example, a public transport operation organization finds an electronic public transport card for a user, the stored value fund charged by the user for the electronic public transport card is escrowed to a financial institution and stored in an independent stored value escrow account opened by the public transport operation organization in the financial institution, that is: the stored-value fund stored in the stored-value escrow account consists of the stored-value fund charged by the user aiming at the electronic bus card; and during income calculation, a payment platform in an agreement with the public transport operation institution and the financial institution calculates the fund income generated by storing the stored-value fund in a stored-value escrow account, and transfers the calculated fund income from the financial institution to a collection account opened by the public transport operation institution on the payment platform, or transfers the calculated fund income from the financial institution to a collection channel provided by the public transport operation institution.

In addition, in the process of performing income calculation of the stored value fund hosted to the financial institution by the card issuing institution through the stored value hosting account, the financial institution may perform income calculation and issuing on the income of the stored value fund stored in the stored value hosting account by the card issuing institution, specifically, the stored value income of the stored value fund in the stored value hosting account in the financial institution is calculated and obtained by the financial institution according to a stored value income strategy, and is synchronized to the collection account by the financial institution according to a preset settlement period.

In addition, in practical application, there are often scenes in which the user needs to cancel the stored-value card due to various practical situations, and for this reason, in an optional implementation manner provided in this embodiment, whether the billing amount is 0 is determined according to the submitted card-refunding instruction; if yes, carrying out logout processing on the stored value card; if not, refunding the stored value fund stored in the stored value card by the user, specifically, in the process of refunding the stored value fund (to-be-refunded value fund) remaining in the stored value card, firstly inquiring a payment channel of the accounting amount in the stored value escrow account for the to-be-refunded value fund, then deducting the to-be-refunded value fund from the stored value escrow account, and transferring the to-be-refunded value fund into the user account according to the payment channel.

The stored value processing method of the stored value card provided in this embodiment is further described below by taking the application of the stored value processing method of the stored value card provided in this embodiment to a stored value scene of a bus card as an example, and referring to fig. 5, the stored value card-based payment method applied to a stored value scene of a bus card specifically includes steps S502 to S518.

Step S502, obtaining a card detail access request submitted by a user after opening a bus code of a bus card.

And step S504, generating a stored value page of the bus card and issuing the stored value page to the user.

Step S506, a stored value request which is submitted by a user based on the stored value page and carries the stored value amount is obtained.

Step S508, judging whether a user billing account associated with the bus card is established;

if yes, go to step S510 to step S518;

if not, go to step S512 to step S518.

And step S510, creating a user billing account associated with the bus card.

And S512, deducting the payment account of the user according to the stored value amount, and updating the accounting amount in the accounting account of the user associated with the bus card.

And step S514, inquiring a stored-value escrow account opened by the public transport operation mechanism corresponding to the mechanism identification according to the mechanism identification contained in the stored-value request.

And step S516, transferring the funds to be stored, which are obtained by deduction, into a stored value escrow account.

Step S518, the fund value bill of the escrow account is synchronously stored to the public transport operation institution in an asynchronous and synchronous mode.

The stored value card-based payment device provided by the specification has the following embodiments:

in the above embodiments, a method for payment based on a stored value card is provided, and a payment device based on a stored value card is provided, which is described below with reference to the accompanying drawings.

Referring to FIG. 6, a schematic diagram of a stored-value card based payment device according to the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a payment device based on a stored value card, comprising:

a payment order acquisition module 602 configured to acquire a payment order for a stored value card;

a billing amount deduction module 604 configured to deduct a billing amount in a user billing account associated with the stored-value card according to the payment amount of the payment order;

a deduction settlement module 606 configured to settle deductions of the stored-value funds in the stored-value escrow account of the card issuer based on the payment amount;

a stored-value funds transfer module 608 configured to transfer stored-value funds resulting from the debit balance to the checkout account of the card issuer.

Optionally, the stored-value funds in the stored-value escrow account of the card issuing institution are composed of stored-value funds stored by a user for the stored-value card issued by the card issuing institution; and the stored value fund is used for carrying out payment settlement on a payment order with the payment type corresponding to the stored value card issued by the card issuing institution.

Optionally, the payment order of the stored-value card is generated after a user terminal performs code scanning payment or scanned payment based on the payment code of the stored-value card; and the payment amount of the payment order is obtained after calculation of pricing according to settlement configuration information configured by the issuing institution for the issued stored-value card and the order amount.

Optionally, the stored-value card based payment device operates on a payment platform; the user billing account is created based on a stored value partnership agreement signed by the card issuer and the payment platform; the stored value escrow account of the card issuing institution is opened based on a stored value escrow protocol signed by the card issuing institution and the financial institution; and/or, the deduction settlement is executed based on a fund management agreement signed by the financial institution and the payment platform; wherein the signing of the funds management agreement occurs after the signing of the stored value partnership agreement and the stored value escrow agreement.

Optionally, the value storing card performs the value storing process in the following manner:

deducting a payment account of the user according to the stored value amount contained in the stored value request, and updating the accounting amount in the accounting account of the user;

transferring the funds to be stored obtained by deducting money to the stored value escrow account;

and synchronizing the fund stored value bill of the stored value escrow account to the card issuing institution in an asynchronous and synchronous mode.

Optionally, the stored-value card based payment apparatus further includes:

a revenue calculation module configured to perform revenue calculation of the stored value funds in the stored value escrow account according to a stored value revenue policy provided by a financial institution hosting the stored value escrow account;

a benefit funds transfer module configured to transfer the calculated stored-value benefits from the financial institution's funding account to the collection account according to a preset settlement period.

Optionally, the stored-value card-based payment apparatus further includes:

the accounting amount judging module is configured to judge whether the accounting amount is 0 or not according to the submitted card returning instruction; if yes, operating a card logout module; the card logout module is configured to carry out logout processing on the stored-value card.

Optionally, if the operation result after the operation of the accounting amount judgment module is negative, the following modules are operated:

a payment channel query module configured to query a payment channel for remaining stored value funds for the billing amount in the stored value escrow account;

a stored value funds transfer module configured to deduct the remaining stored value funds from the stored value escrow account and transfer to a user account according to the payment channel.

The stored value processing device of the stored value card provided by the specification comprises the following embodiments:

in the above embodiments, a method for processing stored value of a stored value card is provided, and a stored value processing apparatus of a stored value card is provided, which is described below with reference to the accompanying drawings.

Referring to FIG. 7, a schematic diagram of a stored value processing apparatus for a stored value card according to the present embodiment is shown.

The embodiment provides a stored value processing device of a stored value card, comprising:

a stored value request acquisition module 702 configured to acquire a stored value request submitted for a stored value card;

a billing amount updating module 704 configured to deduct the user payment account according to the stored value amount contained in the stored value request and update the billing amount in the user billing account associated with the stored value card;

a escrow account query module 706 configured to query, according to the institution identification included in the stored value request, a stored value escrow account opened by an issuer corresponding to the institution identification;

a funds transfer module 708 configured to transfer funds to be stored to the stored value escrow account obtained by the deduction.

Optionally, the stored-value processing apparatus of the stored-value card further includes:

judging whether the accounting amount is 0 or not according to the submitted card refunding instruction; if yes, operating a card logout module; the card logout module is configured to carry out logout processing on the stored-value card;

if not, operating a payment channel query module and a stored value fund transfer module;

the payment channel inquiry module is configured to inquire a payment channel of the stored value funds to be withdrawn in the stored value escrow account for the booked amount;

the stored value fund transfer module is configured to deduct the fund to be saved from the stored value escrow account and transfer the fund to the user account according to the payment channel.

Optionally, the stored value processing device of the stored value card runs on a payment platform; the user billing account is created based on a stored value partnership agreement signed by the card issuer and the payment platform; the stored value escrow account of the card issuing institution is opened based on a stored value escrow protocol signed by the card issuing institution and the financial institution; and/or, the deduction settlement is executed based on a fund management agreement signed by the financial institution and the payment platform; wherein the signing of the funds management agreement occurs after the signing of the stored value partnership agreement and the stored value escrow agreement.

The stored value card-based payment device provided by the specification comprises the following embodiments:

in correspondence to the above-described stored-value card-based payment method, based on the same technical concept, one or more embodiments of the present specification further provide a stored-value card-based payment apparatus for performing the above-described stored-value card-based payment method, and fig. 8 is a schematic structural diagram of a stored-value card-based payment apparatus provided in one or more embodiments of the present specification.

The embodiment provides a payment device based on a stored value card, which comprises:

as shown in fig. 8, a stored value card based payment device may vary widely in configuration or performance and may include one or more processors 801 and memory 802, where one or more stored applications or data may be stored in memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application programs stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a stored-value card-based payment device. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer-executable instructions in the memory 802 on a stored value card-based payment device. The stored value card-based payment apparatus may also include one or more power sources 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, a stored value card-based payment device includes memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the stored value card-based payment device, and being configured for execution by one or more processors the one or more programs including computer-executable instructions for:

acquiring a payment order of a stored value card;

deducting the accounting amount in the user accounting account associated with the stored-value card according to the payment amount of the payment order;

deducting and settling the stored-value funds in the stored-value escrow account of the card issuing institution based on the payment amount;

and transferring the stored value funds obtained by deduction and settlement into a collection account of the card issuing institution.

Optionally, the user billing account is created based on a stored value cooperation agreement signed by the card issuer and the payment platform; the stored value escrow account of the card issuing institution is opened based on a stored value escrow protocol signed by the card issuing institution and the financial institution; and/or, the deduction settlement is executed based on a fund management agreement signed by the financial institution and the payment platform; wherein the signing of the funds management agreement occurs after the signing of the stored value partnership agreement and the stored value escrow agreement.

Optionally, the computer executable instructions, when executed, further comprise:

performing revenue calculation of the stored value funds in the stored value escrow account according to a stored value revenue strategy provided by a financial institution hosting the stored value escrow account;

and transferring the calculated stored value income from the fund providing account of the financial institution to the collection account according to a preset settlement period.

Optionally, the computer executable instructions, when executed, further include:

judging whether the accounting amount is 0 or not according to the submitted card refunding instruction;

and if so, performing logout processing on the stored value card.

Optionally, if the execution result after the instruction that the accounting amount is 0 is judged to be negative according to the submitted card refunding instruction, the following instruction is executed:

inquiring a payment channel of the booked amount of the stored value funds to be withdrawn in the stored value escrow account;

and deducting the funds to be saved from the stored value escrow account and transferring the funds to the user account according to the payment channel.

on the basis of the same technical concept, corresponding to the stored value processing method of the stored value card described above, one or more embodiments of the present specification further provide a stored value processing apparatus of the stored value card, the stored value processing apparatus of the stored value card being configured to perform the stored value processing method of the stored value card provided above, and fig. 9 is a schematic structural diagram of the stored value processing apparatus of the stored value card provided in one or more embodiments of the present specification.

as shown in FIG. 9, the stored value processing devices of the stored value cards may vary significantly in configuration or performance and may include one or more processors 901 and memory 902, where one or more stored applications or data may be stored in memory 902. Memory 902 may be, among other things, transient storage or persistent storage. The applications stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a stored value processing device of a stored value card. Still further, the processor 901 may be configured to communicate with the memory 902 to execute a series of computer-executable instructions in the memory 902 on a stored value processing device of a stored value card. The stored value processing apparatus of the stored value card may also include one or more power sources 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 905, one or more keyboards 906, and the like.

In one particular embodiment, a stored value processing apparatus of a stored value card includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the stored value processing apparatus of the stored value card, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring a stored value request submitted by aiming at a stored value card;

deducting a user payment account according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account related to the stored value card;

according to the mechanism identification contained in the stored value request, inquiring a stored value escrow account opened by a card issuing mechanism corresponding to the mechanism identification;

and transferring the funds to be stored obtained by deducting money to the stored value escrow account.

Optionally, the stored-value funds in the stored-value escrow account of the card issuing institution are composed of stored-value funds stored by a user for the stored-value card issued by the card issuing institution; and the stored value funds are used for carrying out payment settlement on a payment order with the payment type corresponding to the stored value card issued by the card issuing institution.

if yes, carrying out logout processing on the stored value card;

if not, inquiring a payment channel of the stored value fund to be returned of the bookkeeping amount in the stored value escrow account;

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the stored-value card-based payment method described above.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

acquiring a payment order of a stored value card;

Optionally, the computer executable instructions, when executed, further implement the following process:

and if so, performing logout processing on the stored value card.

Optionally, if the execution result after the flow of judging whether the accounting amount is 0 is negative is judged according to the submitted card refunding instruction, the following flow is executed:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the stored-value card-based payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not repeated.

Another storage medium embodiment provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the stored-value processing method of the stored-value card described above.

acquiring a stored value request submitted by aiming at a stored value card;

and transferring the funds to be stored obtained by deducting into the stored value escrow account.

if yes, carrying out logout processing on the stored value card;

and deducting the funds of the value to be withdrawn from the stored value deposit account and transferring the funds into a user account according to the payment channel.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the stored value processing method of the stored value card in this specification are based on the same inventive concept, so that specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not repeated.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as ABEL (Advanced Boolean Expression Language), AHDL (alternate Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry for implementing the logical method flows can be readily obtained by a mere need to program the method flows with some of the hardware description languages described above and into an integrated circuit.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will appreciate that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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, embedded processor, 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, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that 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 phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or apparatus comprising the element.

One or more embodiments of the specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A stored-value card based payment method comprising:

obtaining a payment order of a stored value card of a card issuing mechanism;

deducting and settling the stored-value funds replenished to the stored-value card in the stored-value escrow account of the card issuing mechanism based on the payment amount; the billing amount is synchronized with the amount of the stored-value fund;

and transferring the stored value funds deducted by deduction and settlement into a collection account of the card issuing institution.

2. The stored-value card-based payment method of claim 1, after the step of obtaining a payment order for a stored-value card from an issuer is performed and before the step of deducting an amount billed in a user billing account associated with the stored-value card from a payment amount of the payment order is performed, comprising:

determining whether an available stored value amount of the stored value card is greater than or equal to the payment amount;

if yes, executing the step of deducting the account keeping amount in the user account keeping account related to the stored value card according to the payment amount of the payment order;

if not, carrying out payment settlement of the payment order based on the payment account of the user to which the stored-value card belongs.

3. The stored-value card-based payment method of claim 1, the stored-value funds in the stored-value escrow account of the issuer consisting of stored-value funds deposited by a user for a stored-value card issued by the issuer;

and the stored value fund is used for carrying out payment settlement on a payment order with the payment type corresponding to the stored value card issued by the card issuing institution.

4. The stored-value card-based payment method of claim 3, the stored-value escrow account being opened at a financial institution by the card issuer, the funding gained from the stored-value funds deposited into the stored-value escrow account being issued to the card issuer.

5. The stored-value card-based payment method of claim 1, wherein the payment order for the stored-value card is generated after a user terminal performs a code scanning payment or a scanned payment based on a payment code of the stored-value card;

and the payment amount of the payment order is obtained after calculation of pricing according to settlement configuration information configured by the issuing institution for the issued stored-value card and the order amount.

6. The stored-value card-based payment method of claim 1, further comprising:

synchronizing the stored-value fund bill of the stored-value escrow account to the card issuing institution according to a preset synchronization period;

and the stored value fund bill records comprise the records of transferring in and transferring out of the stored value escrow account in the preset synchronization period.

7. The stored-value card-based payment method of claim 1, applied to a payment platform;

the user billing account is created based on a stored value partnership agreement signed by the card issuer and the payment platform; the stored value escrow account of the card issuing institution is opened based on a stored value escrow protocol signed by the card issuing institution and the financial institution; and/or, the deduction settlement is executed based on a fund management agreement signed by the financial institution and the payment platform; wherein the signing of the funds management agreement occurs after the signing of the stored value collaboration agreement and the stored value escrow agreement.

8. The stored-value card-based payment method of claim 1, wherein the stored-value card is processed by:

9. The stored-value card-based payment method of claim 1, further comprising:

10. The stored-value card-based payment method of claim 1, further comprising:

judging whether the bookkeeping amount is 0 or not according to the submitted card returning instruction;

and if so, performing logout processing on the stored value card.

11. The stored-value card based payment method according to claim 10, if the step of determining whether the amount of the booked money is 0 according to the submitted card refunding instruction is not, performing the following operations:

querying a payment channel for the remaining stored value funds for the billing amount in the stored value escrow account;

and deducting the residual stored value funds from the stored value escrow account and transferring the residual stored value funds into a user account according to the payment channel.

12. The stored-value card-based payment method of claim 1, wherein stored-value funds in the stored-value escrow account are calculated by a financial institution hosting the stored-value escrow account for stored-value proceeds according to a stored-value benefit policy, and are synchronized by the financial institution to the collection account according to a preset settlement period.

13. A method of stored value processing of a stored value card, comprising:

acquiring a stored value request submitted by a stored value card aiming at a card issuing mechanism;

deducting the payment account of the user according to the stored value amount contained in the stored value request, and updating the account amount in the user account related to the stored value card; the user billing account is established in the card issuing institution;

inquiring a stored value escrow account opened by the card issuing mechanism corresponding to the mechanism identification according to the mechanism identification contained in the stored value request;

transferring the funds to be stored obtained by deducting money to the stored value escrow account; the billing amount is synchronized with an amount of stored-value funds in the stored-value escrow account charged for the stored-value card.

14. The stored value processing method of claim 13, after the step of obtaining the stored value request submitted by the stored value card of the card issuer is executed and before the steps of debiting the user's payment account by the stored value amount contained in the stored value request and updating the billing amount in the user's billing account associated with the stored value card are executed, further comprising:

judging whether a user billing account associated with the stored-value card is established;

and if not, creating a user accounting account associated with the stored value card, and executing the steps of deducting money from a user payment account according to the stored value amount contained in the stored value request and updating the accounting amount in the user accounting account associated with the stored value card.

15. The stored value processing method of claim 13, further comprising, after the steps of debiting the user's payment account for the amount of stored value contained in the stored value request and updating the amount of credit in the user's credit account associated with the stored value card are performed:

synchronously carrying a stored value result page of the booked amount to a user;

and/or the presence of a gas in the gas,

16. The stored value processing method of a stored value card according to claim 13, wherein the stored value funds in the stored value escrow account of the card issuer are comprised of stored value funds deposited by a user for the stored value card issued by the card issuer;

17. The stored value processing method of a stored value card of claim 13, further comprising:

performing revenue calculation of stored value funds in the stored value escrow account according to a stored value revenue strategy provided by a financial institution hosting the stored value escrow account;

and transferring the calculated stored-value income from the fund providing account of the financial institution to the collection account of the card issuing institution according to a preset settlement period.

18. The stored value processing method of a stored value card of claim 13, further comprising:

if yes, carrying out logout processing on the stored value card;

19. The stored value processing method of a stored value card according to claim 13, applied to a payment platform;

the user billing account is created based on a stored value partnership agreement signed by the card issuer and the payment platform; the stored value hosting account of the card issuing organization is opened based on a stored value hosting protocol signed by the card issuing organization and the financial institution; and/or, the deduction is executed based on a fund management agreement signed by the financial institution and the payment platform; wherein the signing of the funds management agreement occurs after the signing of the stored value partnership agreement and the stored value escrow agreement.

20. A stored-value card based payment device comprising:

a payment order acquisition module configured to acquire a payment order of a stored-value card of a card issuing institution;

a billing amount deduction module configured to deduct a billing amount in a user billing account associated with the stored-value card according to a payment amount of the payment order;

a deduction settlement module configured to perform deduction settlement on the stored-value funds replenished to the stored-value card in the stored-value escrow account of the card issuing institution based on the payment amount; the billing amount is synchronized with the amount of the stored-value fund;

a stored value fund transfer module configured to transfer the deducted and settled stored value fund to a payment account of the card issuer.

21. A stored value processing apparatus for a stored value card, comprising:

a stored value request acquisition module configured to acquire a stored value request submitted for a stored value card of a card issuer;

the accounting amount updating module is configured to deduct money from a user payment account according to the stored value amount contained in the stored value request and update the accounting amount in the user accounting account related to the stored value card; the user billing account is established in the card issuing institution;

the escrow account inquiry module is configured to inquire a stored value escrow account opened by the card issuing institution corresponding to the institution identification according to the institution identification contained in the stored value request;

a fund transfer module configured to transfer funds to be stored obtained by deduction to the stored value escrow account; the billing amount is synchronized with an amount of stored-value funds in the stored-value escrow account charged for the stored-value card.

22. A stored-value card-based payment device, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

acquiring a payment order of a stored-value card of a card issuing mechanism;

deducting the account keeping amount in the user account keeping amount related to the stored value card according to the payment amount of the payment order;

23. A stored value processing apparatus for a stored value card, comprising:

deducting a user payment account according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account related to the stored value card; the user billing account is established in the card issuing institution; inquiring a stored value escrow account opened by the card issuing mechanism corresponding to the mechanism identification according to the mechanism identification contained in the stored value request;

24. A storage medium storing computer-executable instructions that when executed perform the following:

acquiring a payment order of a stored-value card of a card issuing mechanism;

25. A storage medium storing computer-executable instructions that when executed implement the following:

deducting a user payment account according to the stored value amount contained in the stored value request, and updating the accounting amount in the user accounting account related to the stored value card; the user billing account is established in the card issuing institution;