CN114240423A

CN114240423A - Prepaid card fund protection method and device, electronic equipment and storage medium

Info

Publication number: CN114240423A
Application number: CN202111584200.2A
Authority: CN
Inventors: 佘俊; 钱伟东; 袁峰; 张云鹏; 郭慧涛; 谭杰
Original assignee: Shanghai Zhuanyan Information Technology Co ltd; Nantong Jiangsu Rural Commercial Bank Ltd By Share Ltd
Current assignee: Shanghai Zhuanyan Information Technology Co ltd; Nantong Jiangsu Rural Commercial Bank Ltd By Share Ltd
Priority date: 2021-12-22
Filing date: 2021-12-22
Publication date: 2022-03-25

Abstract

The embodiment of the specification provides a method, a device, electronic equipment and a storage medium for protecting funds of a prepaid card, which can perform double protection on an account of the prepaid card and avoid the problem of fund loss in the account caused by security problems; the method comprises the steps that a selling end uploads data to a server, and the data are checked by the server to complete the establishment of the selling end; the consumption end uploads the data to the server, and the data is checked by the server to complete the establishment of the consumption end; establishing a first class card and a second class user, transferring the fund into the first class card by the consumption end, transferring the fund into the second class user by the first class card for storage, and stopping payment after receiving the fund by the second class user; the consumption end unfreezes and completes payment according to the consumption amount corresponding to the second class of users, and the remaining amount in the second class of users is stopped; the prepaid card fund protection method, the prepaid card fund protection device, the electronic equipment and the storage medium can ensure the safety of the fund of the consumer.

Description

Prepaid card fund protection method and device, electronic equipment and storage medium

Technical Field

The present disclosure relates to the field of prepaid card technologies, and in particular, to a method and an apparatus for securing funds of a prepaid card, an electronic device, and a storage medium.

Background

The prepaid card is a technology of purchasing first and then consuming, and by means of pre-storing or recharging to a merchant, a consumer can obtain a lower price when purchasing goods or services, and an operator can quickly recover funds according to the lower price.

In the prior art, the prepaid card shopping has the defects that firstly, a part of blank zones exist in the handling and supervision of the prepaid card by law, and if an operator is suspected of illegally absorbing public deposit, or operates an inferior store to walk or change hands to other people, and a consumer cannot consume the prepaid card or can only consume the prepaid card at a discount, the fund safety of the consumer is damaged; secondly, the merchant and the shop need to be equipped with a card reader, and the use and maintenance cost is low, which is not easy for the convenience shop with low profit rate.

In addition, the account security problem of the prepaid card is highlighted; with the further development of the electronic payment industry scale, the prepaid caines are not famous or the attention of customers is not enough, and part of card issuing enterprises have loopholes in the aspect of prepaid card account security management and are utilized by lawbreakers; cases that lawbreakers illegally invade accounts to transfer funds occur; therefore, the virtualization of the prepaid card cannot guarantee the account security, and the establishment of a security mechanism of the internet transaction mode of the prepaid card requires extensive attention and attention, and is put to an end and a precaution through feasible measures.

Disclosure of Invention

The technical scheme of the invention provides a method, a device, electronic equipment and a storage medium for protecting the fund of a prepaid card; the method, the device, the electronic equipment and the storage medium for protecting the fund of the prepaid card can be used for carrying out double protection on the account of the prepaid card, and the problem of fund loss in the account caused by security problems is avoided.

The invention provides a prepaid card fund protection method, which comprises the following steps:

the selling end uploads the data to the server, and the data is checked by the server to complete the establishment of the selling end;

the consumption end uploads the data to the server, and the data is checked by the server to complete the establishment of the consumption end;

establishing a first class card and a second class user, transferring the fund into the first class card by the consumption end, transferring the fund into the second class user by the first class card for storage, and stopping payment after receiving the fund by the second class user;

the consumption end unfreezes and completes payment according to the consumption amount corresponding to the second class of users, and the remaining amount in the second class of users is stopped.

As a further technical scheme, the data is uploaded to the server by the seller, and after being checked by the server, the establishment of the seller is completed, specifically:

the selling end uploads the data to the server, and the server confirms the identity of the selling end and completes the association of a collection account after the identity is confirmed; and uploading the position information to a server after the association, auditing through the server, and finishing the establishment of the selling end after the auditing is passed.

As a further technical scheme, the consumption end uploads the data to the server, and after the data is checked by the server, the establishment of the consumption end is completed, specifically:

and the consumption end uploads the data to the server, the server confirms the identity of the consumption end, and the bank card association is completed after the identity is confirmed, so that the establishment of the consumption end is completed.

As a further technical scheme, a first class card and a second class user are established, a consumption end transfers funds to the first class card, the first class card transfers the funds to the second class user for storage, and the second class user performs payment stopping after receiving the funds, specifically:

after the first class card and the second class user are established, a sales end to be charged is selected, funds are transferred to the corresponding first class card, the first class card confirms the transfer of the funds, the transferred funds are transferred to the second class user, the second class user performs payment stopping after obtaining the funds, and displays the second class user after updating the balance.

As a further technical scheme, the consumption end unfreezes and completes payment according to the consumption amount corresponding to the second class of users, and the remaining amount in the second class of users is stopped, specifically:

selecting a consumption end to be subjected to account settlement, inputting the amount to be subjected to consumption, unfreezing the corresponding consumption amount in the second class of users after payment is determined, and completing the payment; and after the payment is finished, stopping paying the residual funds in the second class of users, and displaying the second class of users after the balance of the second class of users is updated.

The invention also provides a prepaid card fund protection device, which comprises:

the selling module is used for uploading the data to the server by the selling end, and completing the establishment of the selling end after the data is checked by the server;

the consumption module is used for uploading the data to the server by the consumption end, and completing the establishment of the consumption end after the data is checked by the server;

the recharging module is used for establishing a first class card and a second class user, the consumption end transfers funds into the first class card, the first class card transfers the funds into the second class user for storage, and the second class user receives the funds and then stops payment;

and the settlement module is used for unfreezing the consumption amount corresponding to the second class of users by the consumption end and completing payment, and the remaining amount in the second class of users is stopped.

As a further technical solution, the sales module includes:

the first operation module is used for uploading data and position information of a sales end;

the first confirmation module is used for confirming the identity of the selling end according to the data uploaded by the first operation module and finishing the correlation of the collection account after the identity is confirmed; and verifying the position information, and finishing the establishment of the sales end after the verification is passed.

As a further technical solution, the consumption module includes:

the second operation module is used for uploading data of the consumption end;

and the second confirmation module is used for confirming the identity according to the data uploaded by the second operation module, finishing bank card association after the identity is confirmed and finishing the establishment of the consumption end.

The invention also proposes an electronic device comprising:

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to: the computer-executable instructions implement the steps of a prepaid card fund protection method.

The present invention also contemplates a storage medium for storing computer-executable instructions that, when executed, implement steps for prepaid card fund protection.

According to the technical scheme, the association is established between the first class card and the sales end, and the fund is stored by the second class user, so that the data of the sales end corresponding to the first class card is realized, the fund is stored by the second class user, the fund and the card are separated, and the fund security is further improved; the fund in the second class of users can be in a payment-stopping state when not in use, so that the fund is not actually stored in the sales end but is freely mastered by the consumption end; when the sales end has problems, the consumption end can stop damage better; the safety of capital of a consumption end is ensured;

in addition, the consumption end adopts a virtual card mode, a physical card is not needed, and a card reader is not needed to be installed at the sales end, so that the cost of the sales end is reduced;

the selling end and the consuming end adopt data verification to ensure the accuracy of the selling end and the consuming end; when the consumption is carried out, the fund of the consumption end enters the sale end only when the consumption is carried out, and the safety of the fund of the consumption end is further improved.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or 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 that other drawings can be obtained by those skilled in the art without inventive exercise.

FIG. 1 is a flow chart of a prepaid card fund protection method according to the present invention;

FIG. 2 is a flow chart of a point-of-sale setup;

FIG. 3 is a flow chart of consumer-side setup;

FIG. 4 is a recharge flow diagram;

fig. 5 is a consumption flow chart.

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.

As shown in fig. 1, the present invention provides a method for securing funds of a prepaid card, comprising:

the selling end uploads the data to the server, and the data is checked by the server to complete the establishment of the selling end; specifically, the selling end uploads the data to the server, and the server confirms the identity of the selling end and completes the association of a collection account after the identity is confirmed; uploading the position information to a server after the correlation, auditing the position information by the server, and finishing the establishment of a selling end after the auditing is passed;

as shown in fig. 2, in the present invention, the seller selects to determine whether the seller is an enterprise or an individual, uploads data after confirmation, confirms the identity of the seller according to the uploaded data, and completes the establishment of the seller after auditing,

when the enterprise is an enterprise, uploading a business license to a server, and uploading a legal identity card along with the business license; the server checks the accuracy of the uploaded information, and when a problem occurs in the check, a business license or a legal identity card needs to be uploaded again; in the invention, the business license and the identity card of the legal person are preferably identified and uploaded in an OCR mode so as to ensure the authenticity and the accuracy of the uploaded information;

when the business license is checked to be correct with the identity card of the legal person, the legal person needs to hold the identity card to take a picture, and the picture needs to contain the legal person, the identity card and the head picture of the door; selecting collection account information after uploading the photos, inputting the mobile phone number of the legal person and the public account when the public account is selected, and uploading the photos again after the legal person takes a picture of the identity card in a hand way; after the photos are uploaded, the address of the selling end is selected; finishing the uploading of the data of the seller; the server checks the uploaded data, returns to the initial position for re-operation when the uploaded data is checked to be wrong, and completes the establishment of the selling end after the uploaded data is checked to be correct; certainly, when other information exists, the input can be performed before the audit, and the server performs the upload data audit after the input;

the selling end is an enterprise, the payee is an individual person, whether the payee is a legal person or not is selected, and if the payee is the legal person, the information of a payee account of the legal person is uploaded; inputting the mobile phone number of the legal person for verification, and uploading the photo photographed by the legal person holding the identity card again after verification; after the photos are uploaded, the address of the selling end is selected; finishing the uploading of the data of the seller; the server checks the uploaded data, returns to the initial position for re-operation when the uploaded data is checked to be wrong, and completes the establishment of the selling end after the uploaded data is checked to be correct;

the method comprises the following steps that a selling end is an enterprise, a payee is an individual, and when the selected payee is an illegal person, an individual identity card is uploaded to a server, the server checks the accuracy of uploaded information, and when the check is in trouble, the identity card needs to be uploaded again; in the invention, the identity card of the current person is identified and uploaded in an OCR mode preferably so as to ensure the authenticity and accuracy of the uploaded information;

when the personal identification card is checked to be correct, the information of a payee collection account needs to be uploaded; inputting the mobile phone number, carrying out subsequent verification, carrying out subsequent uploading of the photo after the legal person holds the identity card for shooting after the verification; after the photos are uploaded, the address of the selling end is selected; finishing the uploading of the data of the seller; the server checks the uploaded data, returns to the initial position for re-operation when the uploaded data is checked to be faulty, and completes the establishment of the selling end after the uploaded data is checked to be correct;

when the sales end is an individual, the personal identification card is uploaded to the server, the server checks the accuracy of the uploaded information, and when the check is wrong, the identification card needs to be uploaded again; in the invention, the identity card of the current person is identified and uploaded in an OCR mode preferably so as to ensure the authenticity and accuracy of the uploaded information;

when the personal identification card is checked to be correct, the information of a payee collection account needs to be uploaded; inputting the mobile phone number, carrying out subsequent verification, and uploading a picture shot by a legal person holding the identity card again after verification; after the photos are uploaded, the address of the selling end is selected; finishing the uploading of the data of the seller; the server checks the uploaded data, returns to the initial position for re-operation when the uploaded data is checked to be faulty, and completes the establishment of the selling end after the uploaded data is checked to be correct;

as shown in fig. 3, the consumer uploads the data to the server, and the consumer completes the establishment after the data is checked by the server; specifically, the consumption end uploads the data to the server, the server confirms the identity of the consumption end, and the bank card association is completed after the identity is confirmed, so that the establishment is completed.

Before uploading data, the consumer needs to judge whether the consumer is a new user:

when the user is a new user, filling in basic information including but not limited to a user name or a password and the like; the identity card is uploaded after the basic information is filled, the identity card is preferably scanned and uploaded in an OCR mode, the accuracy and the authenticity of the scanned identity card are ensured, the identity card information is verified through a server, and the payment account information is uploaded after the identity card information is verified to be correct;

when the user is a registered user, judging related steps, determining that the link for establishing the consumption end is in basic information filling, identity card uploading, payment information uploading, verification and payment password setting, and continuing to execute corresponding steps or next steps to complete the establishment of the consumption end;

as shown in fig. 4, the first class card and the second class user are established, the consumption end transfers the funds into the first class card, the first class card transfers the funds into the second class user for storage, and the second class user performs payment stopping after receiving the funds; specifically, a sales end to be recharged is selected, funds are transferred to a corresponding first class card, the transferred funds are transferred to a second class user after the first class card confirms that the funds are transferred, the second class user stops payment after obtaining the funds, and the balance of the second class user is updated and then displayed;

before recharging, a consumer terminal needs to select a seller terminal, inputs the transferred amount after selecting the corresponding seller terminal, judges whether a payment account is signed or not after the amount is input, directly inputs a payment password to complete verification if the payment account is signed, stores the transferred amount into a second-class user after the amount is transferred, and stops payment of the amount in the second-class user; when the payment account is judged to be an un-signed account, signing is required to be initiated, namely signing is completed through the cooperation of the mobile phone numbers reserved in the basic information, signing of the payment account is completed, a payment password is input after signing, the transferred fund is stored in the second class of users after transferring the fund, and the amount of money is stopped in the second class of users; in addition, after recharging is completed, the balance in the second class of users can be updated, and the amount of money actually stored in the second class of users is displayed;

as shown in fig. 5, the consumption end unfreezes and completes payment according to the consumption amount of the second class of users, and the remaining amount of the second class of users is stopped; specifically, a consumption end for settlement is selected, the amount of consumption is input, after payment is determined, the corresponding consumption amount of the second class of users is unfrozen, and payment is completed; after the payment is finished, the rest fund in the second class of users is stopped, and the balance of the second class of users is updated and then displayed;

the consumption end selects a corresponding sale end according to self requirements, inputs corresponding consumption amount, inputs a payment password, releases payment suspension in the second class of users after the payment password is verified, pays according to the amount of money in the second class of users, performs payment suspension in the second class of users after the payment is completed, updates the second class of users, and displays balance in the second class of users;

the selling module is used for uploading the data to the server by the selling end, and completing the establishment of the selling end after the data is checked by the server; the consumption module is used for uploading data to the server by the consumption end, and completing the establishment of a first class card and a second class user of the consumption end after the data is checked by the server; the recharging module is used for transferring the funds into the first class card by the consuming end, transferring the funds into the second class user by the first class card for storage, and stopping payment after the second class user receives the funds; and the settlement module is used for performing consumption by the consumption end through the second class of users, unfreezing the corresponding consumption amount in the second class of users and completing payment, and stopping payment of the residual amount in the second class of users.

When the selling end operates, the corresponding selling module receives the data of the selling end, stores and checks the data and completes the establishment of the selling end, wherein the selling module comprises a first operating module and a first confirming module, and the first operating module is used for uploading the data and the position information of the selling end; the first confirmation module is used for confirming the identity of the selling end according to the data uploaded by the first operation module and finishing the correlation of the collection account after the identity is confirmed; verifying the position information, and finishing the establishment of the sales end after the verification is passed;

specifically, when the sales end operates, data is selected, input and displayed through the operation of the first operation module; the first confirmation module checks the information and the input data selected by the first operation module after receiving the information and the input data, and executes corresponding operation according to a check result; and after the operation is finished, the balance information is sent to the first operation module for external display;

when the consumption end operates, the corresponding consumption module receives data, uploads, stores and verifies of the consumption end to complete the establishment of the consumption end; the consumption module comprises a first operation module and a second confirmation module, and the second operation module is used for uploading data of the consumption end; the second confirmation module is used for confirming the identity according to the data uploaded by the second operation module, finishing the association of the bank card after the identity is confirmed and finishing the establishment of the consumption end;

specifically, data selection, input and display are performed through operation of the second operation module, the second confirmation module verifies the second operation module after receiving selection information and input data of the second operation module, a first class card is established according to a verification result, and a second class user is established according to the completion condition of the first class card;

when the content of operating the second operation module is fund transferring, the recharging module is called at the moment, namely the recharging module is called through the second confirmation module, the fund is stored in the second type of users through the recharging module, and the second operation module is provided with the corresponding balance condition for displaying by the second operation module;

when the content operated by the operation module is consumption, a settlement module is called, a second class of users are called by the settlement module to settle the expenses, and when settlement is confirmed (settlement passwords are input by the second operation module), the second class of users are unfrozen, and payment is finished by the second class of users; and after payment, stopping payment for the second class of users;

in addition, the scheme of the invention avoids the fund loss of a consumer end caused by the accident of a sales end, and the fund can still apply for refund to a server through operation even if the sales end has the accident; the fund control is further enhanced;

the invention also proposes an electronic device comprising:

a processor; and the number of the first and second groups,

It should be noted that, the present invention may be implemented in different manners, such as in a way of a WeChat applet, in a way of an APP, or in a way of a computer executable application, and the like, and the specific determination is performed according to different terminals, which is not further limited in the present invention.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the service providing method based on a block chain in this specification are based on the same inventive concept, and therefore specific implementation of this embodiment may refer to implementation of the service providing method based on a block chain described above, and repeated parts are not described again.

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 be distinguished 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 making 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, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

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 recognize 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 Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that 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 phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description 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 are only examples of this document and are 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 prepaid card fund protection method, comprising:

2. The method according to claim 1, wherein the seller uploads the data to the server, and the seller establishes the data after the data is checked by the server, specifically:

3. The method according to claim 1, wherein the consumer uploads the data to the server, and the consumer completes the establishment after the data is checked by the server, specifically:

4. The method according to claim 1, wherein the establishing of the first class card and the second class user, the consumer transfers the funds to the first class card, and the first class card transfers the funds to the second class user for storage, and the second class user performs the payment stopping after receiving the funds, specifically:

5. The method according to claim 1, wherein the consumption end unfreezes and completes payment through the consumption amount corresponding to the second class of users, and the remaining amount in the second class of users is stopped, specifically:

6. A prepaid card fund protection device, comprising:

7. The apparatus of claim 6, wherein the sales module comprises:

8. The apparatus of claim 6, wherein the consumption module comprises:

the second operation module is used for uploading data of the consumption end;

9. An electronic device, comprising:

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to: the computer-executable instructions implement the steps of the prepaid card fund protection method of any of claims 1 to 5.

10. A storage medium storing computer-executable instructions for implementing the steps of prepaid card funds protection of any of claims 1 to 5 when executed.