CN114219492A - Stored value card management method, terminal device and storage medium - Google Patents
Stored value card management method, terminal device and storage medium Download PDFInfo
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Abstract
The application discloses a stored value card management method, terminal equipment and a storage medium, and belongs to the technical field of block chain management. The method comprises the steps that when a stored-value card operation request is received, the stored-value card operation request is sent to a block chain system, the block chain system executes verification actions on transaction information in the stored-value card operation request and returns a verification result, wherein operations corresponding to the stored-value card operation request comprise recharging of the stored-value card, deduction of the stored-value card and cancellation of the stored-value card; receiving the check result returned by the block chain system; and when the verification result is successful, operating the stored-value card based on the preset operation rule and the transaction information, and writing the operation result into the block chain system, so that the problem that the transaction data of the stored-value card is easy to tamper due to manual accounting is solved, and the security of the transaction data is improved in a mode of entering the block chain in a strong consistency mode.
Description
Technical Field
The present application relates to the field of block chain management technologies, and in particular, to a stored value card management method, a terminal device, and a storage medium.
Background
The stored value card is a prepaid wallet type debit card which is used by a card issuing bank to transfer funds into the card for storage according to the requirements of a card holder and directly deduct money from the card during transaction. At present, the stored value card is mainly realized in a centralized accounting mode, and mainly realizes the functions of storing value and withholding by charging and consuming in an accounting mode. However, the stored value card transaction defect is obvious when the stored value card transaction is realized in the form of account keeping, namely the balance of each stored value card and the transaction record data can be tampered and the backtracking is unreliable, and the platform, the merchant and the consumer do not have public transparency when checking accounts.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The embodiment of the application aims to solve the problem that transaction data of a stored value card is easy to tamper due to manual accounting by providing a stored value card management method, terminal equipment and a storage medium.
The embodiment of the application provides a stored value card management method, which comprises the following steps:
when a stored-value card operation request is received, the stored-value card operation request is sent to a block chain system, the block chain system executes verification action on transaction information in the stored-value card operation request and returns a verification result, wherein the operation corresponding to the stored-value card operation request comprises recharging of the stored-value card, deduction of the stored-value card and cancellation of the stored-value card;
receiving the check result returned by the block chain system;
and when the verification result is successful, operating the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
In this embodiment, the step of sending the operation request of the stored-value card to the blockchain system when the operation request of the stored-value card is received comprises:
detecting whether merchant information of the stored-value card is associated with a stored-value card system or not when an operation request of the stored-value card is received;
and when the merchant information is associated with the stored-value card system, sending the stored-value card operation request to a block chain system.
In this embodiment, after the step of detecting whether merchant information of the stored-value card is associated with the stored-value card system when the stored-value card operation request is received, the method further includes:
when the merchant information is not associated with the stored-value card system, generating a token according to the merchant information, and associating the merchant information with the token;
and sending the token to a stored-value card system so as to enable the merchant information to be associated with the stored-value card system, and executing the step of sending the stored-value card operation request to a blockchain system when the merchant information is associated with the stored-value card system.
In this embodiment, after the step of operating the stored-value card based on the preset operation rule and the transaction information and writing the operation result into the blockchain system when the verification result is successful, the method further includes:
and deleting the token associated with the merchant information when the operation corresponding to the merchant information is not received within a preset time length.
In this embodiment, the step of performing a verification action on the transaction information in the stored-value card operation request and returning a verification result by the blockchain system includes:
and the block chain system executes a verification action on the transaction information in the stored-value card operation request through an intelligent contract and returns a verification result.
In this embodiment, when the verification result is that the verification is successful, the step of operating the stored-value card based on the preset operation rule and the transaction information and writing the operation result into the blockchain system includes:
when the verification result is successful, acquiring verification information, and sending the verification information to a block chain system, wherein the block chain system executes a verification action on the verification information through an intelligent contract and returns a verification result;
receiving the verification result returned by the blockchain system;
and when the verification result is successful, executing operation of logging off the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
In this embodiment, after the step of operating the stored-value card based on the preset operation rule and the transaction information and writing the operation result into the blockchain system when the verification result is successful, the method further includes:
acquiring the block height in the block chain system;
when the block height is increased, acquiring transaction information of the link point of the newly added block;
and storing the transaction information into a stored-value card database, and broadcasting the transaction information to other block chain nodes except the newly-added block chain nodes so that the other block chain nodes store the transaction information into the corresponding stored-value card database.
In this embodiment, before the step of sending the stored-value card operation request to the blockchain system when the stored-value card operation request is received, the method further includes:
when a stored-value card opening request is received, acquiring merchant information of the stored-value card opening request;
inputting the merchant information into a wind control model to obtain a merchant recharging upper limit and a merchant risk exposure upper limit;
and when the merchant recharging upper limit and the merchant risk exposure upper limit both accord with a stored-value card opening condition, completing opening of the stored-value card, and sending the opened stored-value card and the merchant information to a block chain system.
In addition, to achieve the above object, the present application further provides a terminal device including: a memory, a processor, and a stored value card management program stored on the memory and executable on the processor, the stored value card management program when executed by the processor implementing the steps of the stored value card management method described above.
In addition, to achieve the above object, the present application also provides a storage medium having stored-value card management program stored thereon, which when executed by a processor, implements the steps of the stored-value card management method described above.
According to the technical scheme of the stored value card management method, the terminal device and the storage medium, when the terminal device receives an operation request of the stored value card, the operation request of the stored value card is sent to a block chain system, and transaction information in the operation request of the stored value card is verified through the block chain system; the block chain system feeds back a verification result to the terminal equipment after verifying the transaction information, the terminal equipment performs operations such as recharging, deduction, cancellation and the like on the stored-value card based on preset operation rules and the transaction information, and further writes the operation result into the technical scheme of the block chain system, so that the problem that the transaction data of the stored-value card is easy to tamper due to manual accounting is solved, the security of the transaction data is improved by a strong-consistency mode of entering the stored-value card into the block chain, and the transaction data is public and transparent during account checking.
Drawings
FIG. 1 is a schematic diagram of a hardware operating environment according to an embodiment of the present disclosure;
FIG. 2 is a schematic diagram of a system for a stored value card management method according to the present application;
FIG. 3 is a schematic flow chart illustrating a first embodiment of a stored-value card management method according to the present application;
FIG. 4 is a schematic view of the general operational flow of the stored value card of the present application;
FIG. 5 is a timing diagram illustrating recharging of a stored-value card according to the stored-value card management method of the present application;
FIG. 6 is a schematic view of a stored-value card management method according to the present application after step S130;
FIG. 7 is a schematic flow chart showing a stored-value card management method according to the present application before step S110;
the objects, features, and advantages of the present application are further described in connection with the embodiments, with reference to the accompanying drawings, which are a single embodiment and are not intended to be a complete description of the invention.
Detailed Description
For a better understanding of the above technical solutions, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As shown in fig. 1, fig. 1 is a schematic structural diagram of a hardware operating environment according to an embodiment of the present application.
It should be noted that fig. 1 is a schematic structural diagram of a hardware operating environment of the terminal device.
As shown in fig. 1, the terminal device may include: a processor 1001, such as a CPU, memory 1005, merchant interface 1003, network interface 1004, communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The merchant interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional merchant interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the terminal device configuration shown in fig. 1 is not meant to be limiting for the terminal device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, the memory 1005, which is a storage medium, may include therein an operating system, a network communication module, a merchant interface module, and a stored-value card management program. Among these, the operating system is a program that manages and controls the hardware and software resources of the terminal device, a stored-value card management program, and the operation of other software or programs.
In the terminal device shown in fig. 1, the merchant interface 1003 is mainly used for connecting a terminal and performing data communication with the terminal; the network interface 1004 is mainly used for the background server and performs data communication with the background server; the processor 1001 may be used to invoke a stored-value card management program stored in the memory 1005.
In this embodiment, the terminal device includes: a memory 1005, a processor 1001, and a stored value card management program stored on the memory and executable on the processor, wherein:
when the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are performed:
when a stored-value card operation request is received, the stored-value card operation request is sent to a block chain system, the block chain system executes verification action on transaction information in the stored-value card operation request and returns a verification result, wherein the operation corresponding to the stored-value card operation request comprises recharging of the stored-value card, deduction of the stored-value card and cancellation of the stored-value card;
receiving the check result returned by the block chain system;
and when the verification result is successful, operating the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
detecting whether merchant information of the stored-value card is associated with a stored-value card system or not when an operation request of the stored-value card is received;
and when the merchant information is associated with the stored-value card system, sending the stored-value card operation request to a block chain system.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
when the merchant information is not associated with the stored-value card system, generating a token according to the merchant information, and associating the merchant information with the token;
and sending the token to a stored-value card system so as to enable the merchant information to be associated with the stored-value card system, and executing the step of sending the stored-value card operation request to a blockchain system when the merchant information is associated with the stored-value card system.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
and deleting the token associated with the merchant information when the operation corresponding to the merchant information is not received within a preset time length.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
and the block chain system executes a verification action on the transaction information in the stored-value card operation request through an intelligent contract and returns a verification result.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
when the verification result is successful, acquiring verification information, and sending the verification information to a block chain system, wherein the block chain system executes a verification action on the verification information through an intelligent contract and returns a verification result;
receiving the verification result returned by the blockchain system;
and when the verification result is successful, executing operation of logging off the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
acquiring the block height in the block chain system;
when the block height is increased, acquiring transaction information of the link point of the newly added block;
and storing the transaction information into a stored-value card database, and broadcasting the transaction information to other block chain nodes except the newly-added block chain nodes so that the other block chain nodes store the transaction information into the corresponding stored-value card database.
When the processor 1001 invokes the stored-value card management program stored in the memory 1005, the following operations are also performed:
when a stored-value card opening request is received, acquiring merchant information of the stored-value card opening request;
inputting the merchant information into a wind control model to obtain a merchant recharging upper limit and a merchant risk exposure upper limit;
and when the merchant recharging upper limit and the merchant risk exposure upper limit both accord with a stored-value card opening condition, completing opening of the stored-value card, and sending the opened stored-value card and the merchant information to a block chain system.
While a logical order is shown in the flow diagrams, in some cases, the steps shown or described may be performed in an order different than presented herein.
In the present application, the present application encompasses a full flow of stored value card services from the opening, recharging, withholding, and cancellation of stored value cards. The method mainly comprises the following steps: the consumer side is a gathering payment cashier desk page, a value card system and a block chain value card transaction platform; wherein the stored-value card system includes a stored-value card service and a database. Referring to FIG. 2, FIG. 2 is a system architecture diagram of the stored-value card management method of the present application. The value storage card system is an independent value storage card system, and a series of transaction behaviors of the value storage card are realized in a forced-entry chain mode. The stored value card system completes the chaining of the transaction data by calling the intelligent contract and judges whether each transaction is legal or not. The blockchain stored value card transaction platform is a blockchain system consisting of a plurality of nodes, and is provided with an intelligent contract for processing stored value card information. The blockchain system uses a alliance chain system requiring authorized access. The blockchain system comprises a plurality of blockchain consensus nodes, each node synchronizes and confirms blockchain data based on a selected consensus algorithm, and each node stores a complete piece of blockchain data. The consensus algorithm supports the PBFT, Raft and RPBFT algorithms. The block chain nodes are respectively deployed and implemented by the alliance link access mechanism, and the effect of decentralized node is achieved. The method and the system also deploy a value-stored card intelligent contract on the block chain value-stored card transaction platform, wherein the intelligent contract is used for processing business logics of value-stored card recharging, deduction, cancellation and the like, and chaining final processing data. The stored-value card system operates and queries the stored-value card data on the blockchain by invoking the smart contracts.
In a first embodiment of the present application, as shown in fig. 3, the stored-value card management method of the present application comprises the steps of:
step S110, when a stored value card operation request is received, the stored value card operation request is sent to a block chain system, the block chain system executes verification action on transaction information in the stored value card operation request and returns a verification result, wherein the operation corresponding to the stored value card operation request comprises recharging of the stored value card, deduction of the stored value card and cancellation of the stored value card.
Step S120, receiving the check result returned by the blockchain system.
And step S130, when the verification result is successful, operating the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
In this embodiment, the method is applied to a terminal device, and the terminal device may be a smart phone or a smart computer. The terminal equipment comprises a stored value card system, and corresponding operation is executed on the stored value card system.
Optionally, the stored-value card system of the present application detects whether merchant information of the stored-value card is associated with the stored-value card system when receiving a stored-value card operation request; and when the merchant information is associated with the stored-value card system, sending the stored-value card operation request to a block chain system. And the block chain system executes a verification action on the transaction information in the operation request of the stored-value card through an intelligent contract and returns a verification result to the stored-value card system. And when the verification result is successful, operating the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system. The transaction information can be information of valid transaction days in the current month, valid transaction amount in the current month, valid transaction pen average in the current month, valid transaction days in the last 3 months, valid transaction amount in the last 3 months, valid transaction pen average in the last 3 months.
Optionally, when the merchant information is not associated with the stored-value card system, generating a token according to the merchant information, and associating the merchant information and the token; sending the token to a stored-value card system to associate the merchant information with the stored-value card system; and when the merchant information is associated with the stored-value card system, sending the stored-value card operation request to a block chain system. The block chain system executes a verification action on the verification information through an intelligent contract and returns a verification result; receiving the verification result returned by the blockchain system; and when the verification result is successful, executing operation of logging off the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
Optionally, when the operation corresponding to the merchant information is not received within a preset time, the token associated with the merchant information is deleted.
In this embodiment, the operation corresponding to the operation request of the stored-value card includes a recharge of the stored-value card, a release of the stored-value card, and a logout of the stored-value card.
Referring to fig. 4, fig. 4 is a schematic view illustrating the general operation of the stored value card of the present application, and the operation of the stored value card will be described as follows:
firstly, when a stored-value card system receives a stored-value card recharging request, the stored-value card recharging request is sent to a block chain system, and the block chain system executes verification actions on transaction information in the stored-value card recharging request and returns a verification result to the stored-value card system; and when the stored-value card system receives a verification result returned by the block chain system, and the verification result is successful, the stored-value card system charges the stored-value card by adopting a preset charging rule and the transaction information, writes the charging result into the block chain system, and records the charging result in a stored-value card database of the stored-value card system.
In a specific application scenario, referring to fig. 5, fig. 5 is a timing diagram of recharging of a stored-value card according to the stored-value card management method of the present application. The consumer scans the two-dimensional code provided by the solid code background of the stored-value card system through the cash desk page, and the solid code background is redirected to the cash desk page and receives a merchant information request of the cash desk page. And after receiving the merchant information request, the fixed code background establishes connection with a third-party platform and acquires merchant information. The third-party platform can be WeChat, Paibao and the like, and can be determined according to actual conditions. And after receiving the merchant information, the fixed code background returns the merchant information to a cash register page. After receiving the merchant information fed back by the solid code background, the cashier desk page inquires the balance information of the stored-value card of the user under the merchant from the stored-value card service of the stored-value card system, and receives a recharging package list returned by the stored-value card system. After receiving the recharging package list returned by the stored-value card service, the cashier desk page places an order and stores recharging information into the blockchain transaction system. The blockchain transaction system returns the initial order to the checkout counter page. The checkout page executes the user payment through the third party platform after receiving the initial order returned by the blockchain transaction system. And after the third-party platform completes payment, returning a payment result to a cash register page. And simultaneously, the third-party platform returns the payment result to the blockchain transaction system. And after receiving the payment result, the block chain transaction system sends the payment result to a stored-value card service, and the stored-value card service legally purchases a package according to the payment result so as to finish the recharging of the stored-value card. And after the stored-value card service finishes the recharging of the stored-value card, writing a recharging result into the block chain system.
Secondly, when receiving a stored-value card withholding request, the stored-value card system sends the stored-value card withholding request to a block chain system, and the block chain system executes verification action on transaction information in the stored-value card withholding request and returns a verification result to the stored-value card system. And when the stored-value card system receives a verification result returned by the block chain system, and when the verification result is successful, the stored-value card system withstands the stored-value card by adopting a preset withholding rule and the transaction information, writes the withholding result into the block chain system, and records the withholding result in a stored-value card database of the stored-value card system.
In a specific application scenario, a consumer scans a two-dimensional code provided by a solid code background of a stored-value card system through a cash desk page, and the solid code background is redirected to the cash desk page and receives a merchant information request of the cash desk page. And after receiving the merchant information request, the fixed code background establishes connection with a third-party platform and acquires merchant information. And after receiving the merchant information, the fixed code background returns the merchant information to a cash register page. And meanwhile, the fixed code background sends the generated token to a cash register page. After receiving the merchant information fed back by the solid code background, the cashier desk page inquires the balance information of the stored-value card of the user under the merchant from the stored-value card service of the stored-value card system. And after receiving the balance information of the stored value card returned by the stored value card service, the cashier desk page sends a stored value card withholding order to the stored value card service. And the stored-value card service returns the deduction ordering result to a cash register page, and sends the stored-value card deduction payment to the stored-value card service so as to finish the deduction of the stored-value card. And after finishing the stored-value card deduction, the stored-value card service sends the deduction result of the stored-value card to the block chain removing system for storage. And simultaneously recording the deduction result in a stored value card database of the stored value card system.
Thirdly, when receiving a stored value card logout request, the stored value card system sends the stored value card logout request to a block chain system, and the block chain system executes a verification action on the transaction information in the stored value card logout request and returns a verification result to the stored value card system. The stored-value card system receives a verification result returned by the block chain system, acquires verification information when the verification result is successful, and sends the verification information to the block chain system, and the block chain system executes a verification action on the verification information through an intelligent contract and returns a verification result; receiving the verification result returned by the blockchain system; and when the verification result is successful, executing the operation of logging off the stored-value card based on a preset operation rule, and writing the logging-off result into a block chain system. And simultaneously, recording the logout result in a stored value card database of the stored value card system.
In a specific application scene, when a stored value card management system receives a stored value card logout request, the stored value card management system determines stored value card information needing to be logout and sends verification information to a user; the verification information can be a short message verification code and can be set according to actual conditions. And sending the verification information to a block chain system, and verifying the verification information by the block chain system through an intelligent contract and returning a verification result. And the stored-value card system receives a verification result returned by the block chain system, and when the verification result is successful, the stored-value card is cancelled by adopting a preset operation rule, and the cancellation result is written into the block chain system. And simultaneously, recording the logout result in a stored value card database of the stored value card system.
According to the technical scheme, the operation request of the stored-value card is sent to a block chain system when the operation request of the stored-value card is received, and the transaction information in the operation request of the stored-value card is verified through the block chain system; after the block chain system verifies the transaction information, the verification result is fed back to the terminal equipment, the terminal equipment performs operations such as recharging, deduction, cancellation and the like on the stored-value card based on the preset operation rules and the transaction information, and the operation result is further written into the block chain system.
As shown in fig. 6, in the second embodiment of the present application, after the step S130 based on the first embodiment, the stored-value card management method of the present application includes the following steps:
step S210, obtaining the block height in the block chain system;
step S220, when the block height is increased, acquiring transaction information of the link point of the newly added block;
step S230, storing the transaction information in a stored-value card database, and broadcasting the transaction information to other block link nodes except the newly added block link node, so that the other block link nodes store the transaction information in a corresponding stored-value card database.
In this embodiment, the block height is the number of blocks linked to the main chain, i.e. the number of blocks connected to the block chain, and the block height may also indicate the position of the block in the block chain. The stored value card database is used for storing data submitted and shared by the stored value card system and synchronizing and storing data shared by other stored value card systems. And simultaneously, monitoring the increase of the block height in the block chain system at regular time, reading the newly-added block data, traversing and explaining all transaction information in each block, wherein the transaction information is the transaction information of the stored-value card, and storing the explained transaction data into a corresponding stored-value card database for instant account checking. Meanwhile, the transaction data are broadcasted to other block chain nodes, so that the other block chain nodes store the transaction information into corresponding stored-value card databases.
According to the technical scheme, as the consensus mechanism utilizing the block chain is adopted, a safe and reliable online recharging and deducting type transaction channel can be constructed, so that the transaction data is transparent during account checking.
In a third embodiment of the present application, as shown in fig. 7, before step S110 based on the first embodiment, the stored-value card management method of the present application includes the following steps:
step S310, when a request for opening the stored-value card is received, acquiring merchant information of the request for opening the stored-value card.
And step S320, inputting the merchant information into a wind control model to obtain a merchant recharging upper limit and a merchant risk exposure upper limit.
Step S330, completing the opening of the stored-value card when the merchant recharging upper limit and the merchant risk exposure upper limit both accord with a stored-value card opening condition, and sending the opened stored-value card and the merchant information to a block chain system.
In this embodiment, the stored-value card needs to be opened before the operations of charging, withholding and canceling are performed on the stored-value card. When the value card is opened, the method screens the merchants meeting the requirement of opening the value card through the value card pneumatic control model, thereby improving the credit quality of the value card merchants and reducing the rights and benefits risks of consumers. Specifically, when a stored-value card opening request is received, an entrance of a stored-value card system is in an opening state, and merchant information is obtained according to the stored-value card opening request; the merchant information comprises merchant data, basic data and merchant transaction data.
In this embodiment, in the process of opening the stored-value card, the verification is mainly divided into the following two parts:
firstly, verifying the merchant data and the basic data, wherein the merchant data at least comprises a merchant number, a merchant short for name, gender, ethnicity, a registered mobile phone number, a settlement card mobile phone number and an identity card number; the basic data comprises the front and back sides of an identity card, a handheld identity card picture, a bank card picture, a business license, a business permit, a door head picture and a business place picture; and face identification authentication, fingerprint identification authentication and the like can be performed on the merchant.
Secondly, after the merchant data and the basic data are verified, the merchant transaction data are input into a wind control model, and a merchant white list, a merchant recharging upper limit and a merchant risk exposure upper limit which accord with the opening conditions of the stored-value card are obtained. The merchant transaction data comprises transaction pen average, transaction proportion distribution, monthly transaction fluctuation, transaction amount distribution, transaction fluctuation rate distribution, recent transaction condition distribution, repurchase and the like of a merchant in a certain time. The merchant recharging upper limit represents the amount of money which can be recharged by the merchant most, and the merchant recharging upper limit is obtained by the product of the recharging times per month, the maximum consumption number of the user under the merchant and a preset coefficient. And obtaining the risk exposure upper limit of the merchant through the product of the monthly transaction amount of the merchant and a preset coefficient.
In this embodiment, after obtaining the merchant recharging upper limit and the merchant risk exposure upper limit, determining whether the merchant recharging upper limit and the merchant exposure upper limit both meet a stored-value card opening condition; for example, a corresponding preset threshold value may be set, and when both the merchant recharge upper limit and the merchant exposure upper limit reach the preset threshold value, it is determined that the stored-value card opening condition is met, and the opening of the stored-value card is completed. After the stored value card is opened, the opened stored value card and the merchant information of the merchant to which the stored value card belongs are sent to a block chain system for entering a chain, so that the transaction information has traceability when the stored value card is subsequently adopted for recharging and deduction.
According to the technical scheme, the method adopts the technical means that when a stored value card opening request is received, merchant information in the stored value card opening request is sent to the wind control model for verification, and after the verification is successful, the stored value card is opened and the stored value card is linked, so that the credit quality of the stored value card merchant is improved, and the right risk of consumers is reduced.
Based on the same inventive concept, the embodiment of the present application further provides a storage medium, where a stored-value card management program is stored in the storage medium, and when executed by a processor, the stored-value card management program implements the steps of stored-value card management as described above, and can achieve the same technical effects, and in order to avoid repetition, the description is omitted here.
Since the storage medium provided in the embodiments of the present application is a storage medium used for implementing the method in the embodiments of the present application, based on the method described in the embodiments of the present application, a person skilled in the art can understand a specific structure and a modification of the storage medium, and thus details are not described here. Any storage medium used in the methods of the embodiments of the present application is intended to be within the scope of the present application.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 present application is described 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 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.
It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The application can be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
While the preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all alterations and modifications as fall within the scope of the application.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.
Claims (10)
1. A stored-value card management method, comprising:
when a stored-value card operation request is received, the stored-value card operation request is sent to a block chain system, the block chain system executes verification action on transaction information in the stored-value card operation request and returns a verification result, wherein the operation corresponding to the stored-value card operation request comprises recharging of the stored-value card, deduction of the stored-value card and cancellation of the stored-value card;
receiving the check result returned by the block chain system;
and when the verification result is successful, operating the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
2. The method of claim 1, wherein sending the stored-value card operation request to a blockchain system upon receiving the stored-value card operation request comprises:
detecting whether merchant information of the stored-value card is associated with a stored-value card system or not when an operation request of the stored-value card is received;
and when the merchant information is associated with the stored-value card system, sending the stored-value card operation request to a block chain system.
3. The method of claim 2, wherein detecting whether merchant information of the stored-value card is associated with the stored-value card system upon receiving the request for operation of the stored-value card further comprises, after the step of detecting whether merchant information of the stored-value card is associated with the stored-value card system:
when the merchant information is not associated with the stored-value card system, generating a token according to the merchant information, and associating the merchant information with the token;
and sending the token to a stored-value card system so as to enable the merchant information to be associated with the stored-value card system, and executing the step of sending the stored-value card operation request to a blockchain system when the merchant information is associated with the stored-value card system.
4. The method of claim 3, wherein the step of operating the stored-value card based on preset operation rules and the transaction information and writing the operation result to the blockchain system when the verification result is successful further comprises:
and deleting the token associated with the merchant information when the operation corresponding to the merchant information is not received within a preset time length.
5. The method of claim 1, wherein the step of the blockchain system performing a verification action on the transaction information in the stored-value card operation request and returning a verification result comprises:
and the block chain system executes a verification action on the transaction information in the stored-value card operation request through an intelligent contract and returns a verification result.
6. The method of claim 1, wherein the operating the stored-value card based on preset operation rules and the transaction information and writing the operation result to the blockchain system when the verification result is successful comprises:
when the verification result is successful, acquiring verification information, and sending the verification information to a block chain system, wherein the block chain system executes a verification action on the verification information through an intelligent contract and returns a verification result;
receiving the verification result returned by the blockchain system;
and when the verification result is successful, executing operation of logging off the stored-value card based on a preset operation rule and the transaction information, and writing an operation result into a block chain system.
7. The method of claim 1, wherein the step of operating the stored-value card based on preset operation rules and the transaction information and writing the operation result to the blockchain system when the verification result is successful further comprises:
acquiring the block height in the block chain system;
when the block height is increased, acquiring transaction information of the link point of the newly added block;
and storing the transaction information into a stored-value card database, and broadcasting the transaction information to other block chain nodes except the newly-added block chain nodes so that the other block chain nodes store the transaction information into the corresponding stored-value card database.
8. The method of claim 1, wherein prior to the step of sending the stored-value card operation request to a blockchain system upon receiving the stored-value card operation request, further comprising:
when a stored-value card opening request is received, acquiring merchant information of the stored-value card opening request;
inputting the merchant information into a wind control model to obtain a merchant recharging upper limit and a merchant risk exposure upper limit;
and when the merchant recharging upper limit and the merchant risk exposure upper limit both accord with a stored-value card opening condition, completing opening of the stored-value card, and sending the opened stored-value card and the merchant information to a block chain system.
9. A terminal device, characterized in that the terminal device comprises: a memory, a processor, and a stored value card management program stored on the memory and executable on the processor, the stored value card management program when executed by the processor implementing the steps of the stored value card management method of any of claims 1-8.
10. A storage medium having stored thereon a stored-value card management program that, when executed by a processor, performs the steps of the stored-value card management method of any of claims 1-8.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111383407.3A CN114219492A (en) | 2021-11-19 | 2021-11-19 | Stored value card management method, terminal device and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111383407.3A CN114219492A (en) | 2021-11-19 | 2021-11-19 | Stored value card management method, terminal device and storage medium |
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| CN114219492A true CN114219492A (en) | 2022-03-22 |
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