CN114493557A - Withholding and recharging method, system and storage medium - Google Patents

Withholding and recharging method, system and storage medium Download PDF

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Publication number
CN114493557A
CN114493557A CN202011255530.2A CN202011255530A CN114493557A CN 114493557 A CN114493557 A CN 114493557A CN 202011255530 A CN202011255530 A CN 202011255530A CN 114493557 A CN114493557 A CN 114493557A
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China
Prior art keywords
withholding
recharging
service
account
service card
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Chinese (zh)
Inventor
胡源
颜士帅
李有席
高俊安
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Shanghai Fudan Microelectronics Group Co Ltd
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Shanghai Fudan Microelectronics Group Co Ltd
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Priority to CN202011255530.2A priority Critical patent/CN114493557A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

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  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention provides a method, a system and a storage medium for withholding and recharging. The method for charging the withheld money comprises the following steps: s101, receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount; s102, acquiring a withholding recharging account and balance of a service client; s103, judging whether the balance is larger than or equal to the recharging amount, if so, completing the recharging payment operation of the first service card based on the balance. By adopting the embodiment of the invention, the requirements of the payment system and the service system can be considered simultaneously when the process of withholding and recharging is implemented, and the activity of online payment and the use activity of the service client are synchronously improved.

Description

Method, system and storage medium for charging withheld
Technical Field
The invention relates to the technical field of intelligent recharging, in particular to a withholding recharging method, a withholding recharging system and a storage medium.
Background
In recent years, with the development of technology, various forms including various physical service cards and virtual service cards have been derived from service cards (e.g., traffic cards) related to user consumption behaviors. For the entity business card, people can use business client, manual or self-service equipment to complete recharging; for the virtual transportation card, recharging is mainly completed in an online mode through the service client.
The recharging process of the business card relates to online payment no matter manual work, self-service equipment or a business client side is adopted. In the application scene of the service card, card swiping is a high-frequency action, and recharging is a low-frequency action. In order to improve the activity of online payment, a payment system manufacturer expects a user to automatically complete recharging of corresponding money for a service card of the user after completing one card swiping.
However, if automatic recharging is adopted, the user does not need to manually trigger the recharging process, and does not need to open the service client, so that the use activity of the service client is reduced, and the benefit of a service company is not met.
Disclosure of Invention
The embodiment of the invention aims to provide a withholding recharging method, a withholding recharging system and a storage medium, and can simultaneously meet the requirements of a payment system and a service system when the withholding recharging process is implemented, and synchronously improve the activity of online payment and the use activity of a service client.
The method for withholding and recharging provided by the embodiment of the invention comprises the following steps: s101, receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount; s102, acquiring a withholding recharging account and balance of a service client; s103, judging whether the balance is larger than or equal to the recharging amount, if so, completing the recharging payment operation of the first service card based on the balance.
Optionally, the method comprises: s401, receiving a consumption record about a second service card sent by a service system; s402, acquiring a withholding protocol and a withholding recharging account of a second service card, wherein the second service card and the first service card correspond to the same service client and the same withholding recharging account; s403, completing withholding payment operation based on the consumption record and the withholding protocol; and S404, updating the balance of the withholding recharging account based on the completed withholding payment operation.
Optionally, the method comprises: s301, receiving a first withholding request about a second service card sent by a service client, wherein the first withholding request comprises a payment account for executing withholding payment for the second service card; s302, authenticating the withholding recharging account corresponding to the second service card; and S303, when the authentication is passed, signing a withholding protocol related to the second service card, wherein the withholding protocol is a three-party withholding protocol comprising a service system, a payment system to which a payment account belongs and a withholding recharging system to which a withholding recharging account belongs.
Optionally, the method includes authenticating the second service card: and authenticating whether the second service card is a valid service card issued by the service system.
Optionally, the authenticating the withholding recharge account corresponding to the second service card includes: whether the second service card is bound with a withholding recharging account or not is authenticated; when binding, the withholding recharging account is authenticated by confirming that the authentication is passed or through the identity information of the service client; and when the binding is not carried out, whether the service client establishes the withholding recharging account or not is authenticated, and when the binding is established, the established withholding recharging account is bound to the withholding recharging account corresponding to the second service card.
Optionally, the method comprises: when the deduction recharging account is not established, establishing a deduction recharging account for the service client; binding the established withholding recharging account to a withholding recharging account corresponding to the second service card; and confirming that the authentication of the withheld recharging account corresponding to the second service card is passed.
Optionally, the consumption record includes a consumption amount, and completing the withholding payment operation based on the consumption record and the withholding protocol includes: sending a withholding instruction to a payment system corresponding to the withholding protocol based on the consumption amount so that the payment system completes withholding payment operation of the consumption amount based on the withholding instruction; and receiving a withholding payment completion notification returned by the payment system.
Optionally, the consumption record comprises a consumption time; the method comprises the following steps: generating a withholding order based on the consumption record; updating the withholding order based on the withholding payment completion notification.
Optionally, updating the balance of the substitute money account based on the completed substitute money payment operation includes: and updating the balance of the withholding recharging account based on the withholding payment completion notice and the consumption amount.
Optionally, the method comprises: and sending a second recharging request to the service system based on the completed recharging payment operation, so that the service system completes recharging authentication on the first service card based on the second recharging request and instructs the service client to complete the recharging operation on the first service card.
Optionally, the second service card is the first service card.
Optionally, the second service card and the first service card are transportation cards.
The embodiment of the invention provides a withholding recharging system, which comprises: the receiving module is used for receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount; the acquisition module is used for acquiring the withholding recharging account and the balance of the withholding recharging account of the service client; and the processing module is used for judging whether the balance is greater than or equal to the recharging amount and completing the recharging payment operation of the first service card based on the balance under the condition that the balance is greater than or equal to the recharging amount.
Optionally, the receiving module is further configured to receive a consumption record about the second service card sent by the service system; the acquisition module is also used for acquiring a withholding protocol and a withholding recharging account related to a second service card, and the second service card and the first service card correspond to the same service client and the same withholding recharging account; the processing module is also used for completing the withholding payment operation based on the consumption record and the withholding protocol and updating the balance of the withholding recharging account based on the completed withholding payment operation.
Optionally, the receiving module is further configured to receive a first withholding request sent by the service client for the second service card, where the first withholding request includes a payment account for performing withholding payment for the second service card; the substitute deduction charging system comprises: the authentication module is used for authenticating the second service card and the corresponding withholding recharging account; and the signing module is used for signing a withholding protocol related to the second service card when the authentication is passed, and the withholding protocol is a three-party withholding protocol comprising a service system, a payment system to which the payment account belongs and a withholding recharging system to which the withholding recharging account belongs.
Optionally, the authentication module is configured to authenticate whether the second service card and/or the first service card is a valid service card issued by the service system.
Optionally, the authentication module is configured to authenticate whether the service client establishes the withholding recharging account and whether the first service card and the second service card bind the withholding recharging account.
Optionally, the system includes an account management module, configured to establish a withholding recharging account for the service client, and store the established withholding recharging account.
Optionally, the system includes a binding module, configured to bind the established withholding recharging account to a withholding recharging account corresponding to the second service card and the first service card.
Optionally, the consumption record includes a consumption amount; the withholding recharging system comprises a sending module, a withholding module and a withholding module, wherein the sending module is used for sending a withholding instruction to a payment system corresponding to the withholding protocol based on the consumption amount so that the payment system completes withholding payment operation of the consumption amount based on the withholding instruction; the receiving module is used for receiving a withholding payment completion notice returned by the payment system; the processing module updates the balance of the withholding recharging account based on the withholding payment completion notice and the consumption amount.
Optionally, the sending module is further configured to send a second recharging request to the service system based on the completed recharging payment operation, so that the service system completes recharging authentication on the first service card based on the second recharging request and instructs the service client to complete the recharging operation on the first service card.
Another deductive recharge system provided by the embodiment of the invention comprises a memory and a processor, wherein a computer instruction capable of running on the processor is stored on the memory, and the processor executes the steps of the deductive recharge method provided by the embodiment of the invention when running the computer instruction.
The storage medium is provided with computer instructions stored thereon, and the computer instructions execute the steps of the method for withholding value provided by the embodiment of the invention when running.
Compared with the prior art, the technical scheme of the embodiment of the invention has the beneficial effect. For example, the demand of the payment system and the demand of the service system can be considered simultaneously when the withholding and recharging process is implemented, and the activity of online payment and the use activity of the service client are synchronously improved.
For another example, the operation flow of the user can be simplified in the process of implementing the withholding and recharging, and the time is saved conveniently.
For another example, the deduction charging of the physical service card and the virtual service card can be considered simultaneously.
Drawings
FIG. 1 is a flow chart illustrating a method for charging a substitute deduction in an embodiment of the present invention;
FIG. 2 is a data interaction diagram of a service card recharging process in an embodiment of the present invention;
FIG. 3 is a flow diagram illustrating a process for establishing a token recharge account in an embodiment of the present invention;
FIG. 4 is a data interaction diagram of a process for establishing a withheld load account in an embodiment of the invention;
FIG. 5 is a schematic flow chart illustrating a process for opening a withholding payment according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of data interaction for opening a debit account payment process in an embodiment of the present invention;
FIG. 7 is a flow diagram illustrating an implementation of a withholding payment process in an embodiment of the present invention;
FIG. 8 is a data interaction diagram illustrating an implementation of a withholding payment process in an embodiment of the present invention;
fig. 9 is a schematic block diagram of a substitute deduction charging system in an embodiment of the present invention.
Detailed Description
The technical scheme provided by the embodiment of the invention can be applied to the business field related to the recharging of the consumption card, such as the traffic business field related to the recharging of the traffic card, the market or supermarket business field related to the recharging of the shopping card, and the like.
In particular implementations, the interaction between a business system, a business client, a payment system, and a token recharge system is involved. The service system is a service system in a specific service field, such as a traffic card service system; the service client is a client Application (APP) associated with the service system, for example, a traffic card APP; the payment system is a payment platform bound by a user side (for example, a smart phone held by the user), such as a WeChat wallet, a payment treasure, a bank system and the like; the withholding recharging system is an intermediate account system which can be associated with the service system, the service client and the payment system.
In order to make the objects, features and advantages of the present invention more comprehensible, embodiments accompanying figures are described in detail below.
The method for charging the substitute deduction provided by the embodiment of the invention is applied to a substitute deduction charging system.
Referring to fig. 1, the method includes:
s101, receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount;
s102, acquiring a withholding recharging account and balance of a service client;
s103, judging whether the balance is larger than or equal to the recharging amount, if so, executing the step S104;
and S104, completing the recharging and payment operation of the first service card based on the balance.
In a specific implementation, the service client is associated with a service system issuing a service card, and may bind one or more service cards issued by the service system, for example, a traffic card APP is associated with a traffic card service system, and one or more traffic cards issued by the traffic card service system are bound in the traffic card APP.
In the embodiment of the present invention, the service card bound in the service client and having the recharge requirement is referred to as a first service card.
Referring to fig. 2, in a specific implementation, a first service card is selected by a service client, and after the first service card is selected, the service client sends a first recharging request to a token recharging system. The first recharge request includes identity information of the first service card and a recharge amount, wherein the identity information is used for defining a unique first service card, for example, a card number of the first service card.
And when the balance in the withholding recharging account is greater than or equal to the recharging amount of the first service card, completing recharging payment operation on the first service card based on the balance of the withholding payment account.
When the balance in the withholding recharging account is smaller than the recharging amount of the first service card, the balance in the withholding payment account is not enough to pay the recharging amount of the first service card. At this time, the recharge fails. When the recharging fails, the withholding recharging system can send the feedback information of the recharging failure to the service client. Specifically, the feedback information may include balance information to prompt the service client to determine whether to reselect the balance in the substitute charge account as the charge amount of the first service card.
In an embodiment of the present invention, the method for charging with a substitute fee may further include:
s106, sending a second recharging request to the service system based on the completed recharging payment operation, so that the service system completes recharging authentication on the first service card based on the second recharging request and instructs the service client to complete the recharging operation on the first service card.
Specifically, after completing the charging payment of the first service card based on the balance of the withholding payment account, the withholding charging system sends a second charging request to the service system associated with the service client, so that the service system can complete the charging authentication of the first service card based on the second charging request and instruct the service client to complete the charging operation of the first service card.
Specifically, the second recharging request comprises the identity information of the first service card and the actual recharging amount. And the actual recharging amount is the recharging amount actually paid by the first service card by the withholding recharging account.
In a specific implementation, the charging authentication performed by the service system on the first service card may include authenticating whether the first service card is a valid service card issued by the service system. Specifically, a valid service card is a service card issued by the service system and within a validity period of use.
In the embodiment of the present invention, the authentication of whether the first service card is an effective service card issued by the corresponding service system may be implemented by using conventional technical means in the art, and details are not described here.
After confirming that the first service card passes the authentication, the service system may send a recharging instruction to the service client to instruct the service client to complete the recharging operation of the first service card. Specifically, the recharge instruction includes identity information of the first service card (e.g., card number information of the first service card) and an actual recharge amount. The service client can finish the recharging operation of the first service card based on the recharging instruction and return a recharging completion notice to the service system.
In some embodiments, the method may further include, before acquiring the substitute money account of the service client and the balance thereof in step S102:
and authenticating the withholding recharging account corresponding to the first service card.
Specifically, the authenticating the withholding recharge account corresponding to the first service card may include:
and authenticating whether the first service card is bound with the withholding recharging account, if so, confirming that the authentication is passed or authenticating the withholding recharging account through the identity information of the service client, otherwise, authenticating whether the service client establishes the withholding recharging account, and if so, binding the established withholding recharging account to the withholding recharging account corresponding to the first service card.
Further, authenticating the withholding recharge account corresponding to the first service card may further include:
when not established, establishing a withholding recharging account for the service client;
binding the established withholding recharging account as a withholding recharging account corresponding to the first service card;
and confirming that the authentication of the withheld recharging account corresponding to the first service card is passed.
In the embodiment of the invention, the establishment of the withholding recharging account for the service client represents the establishment of the withholding recharging account for the user to which the service client belongs through the withholding recharging system. The deductive charging account can be integrated in a service client after being established so as to be convenient for a user to view.
In a specific implementation, the account name of the withholding and recharging account of the service client can be generated and sent by the service client based on the input operation of the user, or can be configured by the withholding and recharging system.
In a specific implementation, the identity information of the service client may include identity card information, bank card information, mobile phone number information, and the like of a user to which the service client belongs. Correspondingly, the authentication of the withholding recharging account through the identity information of the service client can include authentication of corresponding identity card information, bank card information, mobile phone number information and the like. For example, the corresponding mobile phone number can be authenticated by acquiring the mobile phone dynamic verification code, so that the rechargeable account can be authenticated by the identity information of the service client.
In the embodiment of the invention, the method for the withholding and recharging further comprises the processes of establishing a withholding and recharging account, opening the withholding payment and implementing the withholding payment.
Referring to fig. 3, based on the process of establishing the withholding recharging account, the method for withholding recharging provided by the embodiment of the invention may further include:
s201, receiving an account opening request sent by a service client, wherein the account opening request comprises identity information of the service client;
s202, account opening authentication is carried out on the service client based on the identity information of the service client;
s203, when the authentication is passed, establishing a withholding recharging account for the service client;
and S204, returning the account opening result to the service client.
Referring to fig. 4, in a specific implementation, a service client sends an account opening request to a withholding recharging system based on an account opening requirement of a user. Specifically, the account opening request includes identity information of the service client. And after the account opening request is received, the withholding recharging system carries out identity authentication on the account based on the identity information of the service client, establishes a withholding recharging account for the service client after the authentication is passed, and returns an account opening result to the service client.
In a specific implementation, the identity information of the service client may include identity card information, bank card information, mobile phone number information, and the like of a user to which the service client belongs. Accordingly, authenticating the service client based on the identity information thereof may include authenticating corresponding identity card information, bank card information, mobile phone number information, and the like. For example, the corresponding mobile phone number can be authenticated by acquiring the mobile phone dynamic verification code, so that account opening authentication of the service client is realized.
After confirming that the account opening authentication of the service client passes, the withholding recharging system can establish a withholding recharging account for the service client and return an account opening result to the service client.
In a specific implementation, the account name of the withholding recharging account of the service client can be included in the account opening request and generated by the service client based on the input operation of the user, or can be configured by the withholding recharging system.
After confirming that the account opening authentication of the service client fails, the withholding recharging system can also return the feedback information of the authentication failure to the service client so as to enable the service client to resend the account opening request.
Referring to fig. 5, based on the process of opening the token payment, the method for charging a token according to an embodiment of the present invention may further include:
s301, receiving a first withholding request about a second service card sent by a service client, wherein the first withholding request comprises a payment account for executing withholding payment for the second service card;
s302, authenticating the withholding recharging account corresponding to the second service card;
and S303, when the authentication is passed, signing a withholding protocol related to the second service card, wherein the withholding protocol is a three-party withholding protocol comprising a service system, a payment system to which the payment account belongs and a withholding recharging system to which the withholding recharging account belongs.
Referring to fig. 6, in a specific implementation, a service client sends a first deduction request about a second service card to a deduction-substituted recharging system based on deduction-substituted requirements of a user.
In the embodiment of the present invention, the service client may bind one or more service cards issued by the corresponding service system. When one service card is bound, the second service card is the first service card. When a plurality of service cards are bound, the second service card and the first service card may be the same card or different cards.
When the second service card and the first service card are different cards, the first service card is suitable for recharging through the withholding recharging account, and the second service card is suitable for receiving the consumption amount generated by the consumption operation through the withholding recharging account. For example, the first service card and the second service card are both traffic cards, when the second service card user takes a subway to generate quinary consumption amount, the withholding recharging account receives the quinary consumption amount paid by the corresponding payment account, and the quinary consumption amount can be subsequently used for recharging the first service card.
In the embodiment of the invention, the first service card and the second service card are bound at the same service client, issued by the same service system corresponding to the same service client and associated with the same withholding recharging account of the same service client.
In a specific implementation, the second service card and the first service card may be traffic cards, the corresponding service system may be a traffic card service system, and the corresponding service client may be a traffic card service client.
In a specific implementation, the second service card and the first service card may further include a physical service card and/or a virtual service card.
In a specific implementation, the authenticating the withholding recharge account corresponding to the second service card may include:
and authenticating whether the second service card is bound with the withholding recharging account, if so, confirming that the authentication is passed or authenticating the withholding recharging account through the identity information of the service client, otherwise, authenticating whether the service client establishes the withholding recharging account, and if so, binding the established withholding recharging account to the withholding recharging account corresponding to the second service card.
Further, the authenticating the withholding recharge account corresponding to the second service card may further include:
when not established, establishing a withholding recharging account for the service client;
binding the established withholding recharging account to a withholding recharging account corresponding to the second service card;
and confirming that the authentication of the withheld recharging account corresponding to the second service card is passed.
In the embodiment of the invention, the establishment of the withholding recharging account for the service client represents the establishment of the withholding recharging account for the user to which the service client belongs through the withholding recharging system. The deductive charging account can be integrated in a service client after being established so as to be convenient for a user to view.
In a specific implementation, the account name of the surcharge account of the service client may be generated and sent by the service client based on the input operation of the user, or may be configured by the surcharge system.
And after confirming that the second service card is bound with the withholding recharging account, the withholding recharging system can also authenticate the withholding recharging account through the identity information of the service client. For example, the corresponding mobile phone number can be authenticated by acquiring the mobile phone dynamic verification code, so that the second service card can be authenticated on the withholding recharge account bound to the service client.
In a specific implementation, the first surcharge request includes a payment account to perform surcharge payment for the second service card.
In some embodiments, after confirming that the authentication of the withholding recharging account corresponding to the second service card passes, the withholding recharging system may send a second withholding request to the payment system corresponding to the payment account for performing the withholding payment for the second service card, so as to obtain the withholding protocol.
In a specific implementation, the first deduction request further includes identity information of the second service card, for example, card number information of the second service card. The withholding recharging system can also send an authentication request about the second service card to a service system corresponding to the service client based on the identity information of the second service card, so that the authentication of the second service card is completed through the service system.
In a specific implementation, the authentication of the second service card by the service system may include authenticating whether the second service card is a valid service card issued by the service system. Specifically, the valid service card is a service card issued by the service system and within the use validity period.
After confirming that the second service card passes the authentication, the service system may send an authentication result indicating that the second service card passes the authentication to the withholding recharging system. After confirming that the second service card fails to be authenticated, the service system can also send an authentication result indicating that the second service card fails to be authenticated to the withholding recharging system.
In other embodiments, after confirming that the second service card and the authentication of the corresponding withholding recharging account pass, the withholding recharging system may send a second withholding request to the payment system corresponding to the payment account for executing the withholding payment for the second service card to obtain the withholding protocol.
In a specific implementation, the second withholding request comprises identity information of the second service card, withholding recharging account information of the service client and payment account information used for executing withholding payment for the second service card. And after receiving the second deduction request, the payment system generates a corresponding deduction-substituting protocol based on the information and returns the deduction-substituting protocol to the deduction-substituting recharging system.
Specifically, the deduction-replacing protocol is a three-party deduction-replacing protocol related to the second service card and comprising a service system, a payment system to which the payment account belongs and a deduction-replacing and recharging system to which the deduction-replacing and recharging account belongs.
The withholding recharging system saves the withholding protocol after receiving the withholding protocol so as to complete withholding subscription of the second service card, and returns a withholding subscription notice to the service client.
In the specific implementation, the user to which the service client belongs can complete registration and binding of the payment account in the payment system in advance, and confirm that the payment system has the function of withholding payment. For example, payment systems such as WeChat wallets and Payment treasures have all provided a deduction payment function, and users belonging to service clients can complete registration in the payment systems in advance and bind corresponding payment accounts.
Referring to fig. 7, based on the process of implementing the withholding payment, the method for withholding value provided by the embodiment of the invention may further include:
s401, receiving a consumption record about a second service card sent by a service system;
s402, acquiring a withholding protocol and a withholding recharging account of the second service card;
s403, completing withholding payment operation based on the consumption record and the withholding protocol;
and S404, updating the balance of the withholding recharging account based on the completed withholding payment operation.
Referring to fig. 8, in a specific implementation, the withholding recharging system may actively send a call request to the service system to receive a consumption record about the second service card sent by the service system, or may directly receive the consumption record about the second service card sent by the service system.
In some embodiments, the withholding system may periodically invoke or periodically directly receive consumption records sent by the business system about the second business card. Specifically, the consumption records which are periodically called or directly received are all consumption records generated by the second service card between the time of last calling or directly receiving and the current time.
In other embodiments, the withholding recharging system can directly receive the consumption record about the second service card sent by the service system in real time. Specifically, the real-time receiving means that when the second service card consumes, the service system synchronously sends the one-time consumption record generated by the second service card to the withholding recharging system in real time.
After receiving the consumption record about the second service card sent by the service system, the withholding recharging system can acquire a withholding protocol about the second service card, and generate a withholding instruction based on the consumption record about the second service card and the withholding protocol and send the withholding instruction to a corresponding payment system. Specifically, the corresponding payment system is the payment system included in the withholding agreement corresponding to the second service card.
Specifically, the consumption record comprises the identity information of the second service card and the consumption amount.
In some embodiments, the withholding instruction may include the amount of the second service card consumed and payment account information contained in the corresponding withholding agreement. After receiving the withholding instruction, the service system may complete the payment operation for the consumption amount based on the corresponding payment account.
In other embodiments, the withholding instruction may include the amount of the second service card consumed and a corresponding withholding agreement. After receiving the withholding instruction, the service system can acquire a corresponding payment account based on the corresponding withholding protocol, and complete the payment operation of the consumption amount based on the corresponding payment account.
In other embodiments, a withholding agreement is also maintained in the payment system. Based on this, the withholding instruction may include the identity information of the second service card and the amount of the consumption. After receiving the withholding instruction, the service system may obtain a corresponding withholding protocol based on the identity information of the second service card, obtain a corresponding payment account based on the corresponding withholding protocol, and complete the payment operation for the consumption amount based on the corresponding payment account.
And after finishing the payment operation of the consumption amount, the service system sends a withholding payment completion notice to the withholding recharging system. The withholding recharging system can also acquire the withholding recharging account bound by the second service card after receiving the withholding payment completion notification returned by the payment system (or acquire the withholding recharging account bound by the second service card before receiving the withholding payment completion notification), and update the balance of the withholding recharging account based on the consumption amount of the second service card. And the updated balance is used for recharging the first service card. The first service card may be the second service card or may be different from the second service card.
After updating the balance of the corresponding substitute deduction recharging account, the substitute deduction recharging system can also send a substitute deduction notification to the service client so as to prompt the user to finish the substitute deduction payment for the consumption of the second service card through the service client.
In a specific implementation, the withholding notification may include the identity information of the second service card, the consumption amount and the updated balance of the corresponding withholding recharge account.
In some embodiments, the process of conducting a withholding payment may further comprise:
generating a withholding order based on the consumption record of the second service card; and
and updating the withholding order based on the withholding payment completion notice, and storing the withholding order in a withholding recharging system.
In a specific implementation, the withholding order may include the identity information of the second service card, the amount of the consumption, the time of the consumption, and the completion time of the withholding payment. The consumption time can be from the consumption record, and the completion time of the withholding payment can be the time when the withholding recharging system receives the withholding payment completion notification.
The embodiment of the invention also provides a withholding recharging system.
Referring to fig. 9, the surcharge system 500 includes a receiving module 510, an obtaining module 520, and a processing module 530.
In a specific implementation, the receiving module 510 is configured to receive a first recharging request about a first service card sent by a service client, where the first recharging request includes a recharging amount; the obtaining module 520 is connected to the receiving module 510, and is configured to obtain a withholding recharging account and a balance thereof of the service client; the processing module 530 is connected to the obtaining module 520, and is configured to determine whether the balance is greater than or equal to a recharge amount, and if the balance is greater than or equal to the recharge amount, complete a recharge payment operation for the first service card based on the balance.
In a specific implementation, the receiving module 510 may be further configured to receive a consumption record about the second service card sent by the service system; the obtaining module 520 may further be configured to obtain a withholding protocol and a withholding recharging account related to the second service card; the processing module 530 is connected to the receiving module 510, and is further configured to complete the withholding payment operation based on the consumption record and the withholding protocol, and update the balance of the withholding recharging account based on the completed withholding payment operation.
In some embodiments, the processing module 530 may further include a recharge unit and a token unit. The charging unit is used for completing charging payment operation of the first service card based on the balance when the balance of the corresponding withholding charging account is greater than or equal to the charging amount; the withholding unit is used for finishing withholding payment operation based on the consumption record and the withholding protocol and updating the balance of the withholding recharging account based on the finished withholding payment operation.
In a specific implementation, the receiving module 510 may be further configured to receive a first withholding request sent by the service client for a second service card, where the first withholding request includes a payment account for performing withholding payment for the second service card; the withholding recharging system 500 may further include: the authentication module is used for authenticating the second service card and the corresponding withholding recharging account; and the signing module is connected with the authentication module and used for signing a withholding protocol related to the second service card when the authentication is passed, and the withholding protocol is a three-party withholding protocol comprising a service system, a payment system to which the payment account belongs and a withholding recharging system to which the withholding recharging account belongs.
In some embodiments, the authentication module may be configured to authenticate the first service card as being a valid service card issued by the service system. Specifically, the authentication module may authenticate, by the service system, whether the first service card is a valid service card issued by the service system.
In other embodiments, the authentication module may be further configured to authenticate whether the second service card is a valid service card issued by the service system. Specifically, the authentication module may authenticate, by the service system, whether the second service card is a valid service card issued by the service system.
In a specific implementation, the authentication module may be further configured to authenticate whether the service client has established the withholding recharging account and authenticate whether the first service card and the second service card have bound the withholding recharging account.
In a specific implementation, the surcharge system 500 may further include an account management module, configured to establish a surcharge account for the service client, and store the established surcharge account.
In a specific implementation, the deductive charging system 500 may further include a binding module, configured to bind the established deductive charging account to a deductive charging account corresponding to the first service card and the second service card.
In particular implementations, the consumption record includes a consumption amount. The withholding recharging system 500 may further include a sending module, configured to send a withholding instruction to a payment system corresponding to the withholding protocol based on the amount of consumption, so that the payment system completes a withholding payment operation of the amount of consumption based on the withholding instruction; the receiving module 510 may be further configured to receive a withholding payment completion notification returned by the payment system; the processing module 530 may also update the balance of the token recharge account based on the token payment completion notification and the expenditure amount.
In a specific implementation, the withholding recharging system 500 may further include an order management module configured to generate a withholding order based on the consumption record of the second service card, update the withholding order based on the withholding payment completion notification, and store the withholding order.
In a specific implementation, the sending module is further configured to send a second recharging request to the service system based on the completed recharging payment operation, so that the service system completes recharging authentication on the first service card based on the second recharging request and instructs the service client to complete the recharging operation on the first service card.
The embodiment of the invention also provides another deduction and recharge system, which comprises a memory and a processor, wherein the memory stores computer instructions capable of running on the processor, and the processor executes the steps of the deduction and recharge method provided by the embodiment of the invention when running the computer instructions.
All the withholding recharging systems disclosed by the embodiment of the invention can exist independently of the related service systems, and can also be integrated in the related service systems. For example, when the associated service system is a transportation card service system, the withholding charging system can be integrated into the transportation card service system. In some embodiments, the self-service recharging device of the transportation card service system can also integrate the functions of the service client.
Embodiments of the present invention also provide a storage medium having stored thereon computer instructions, which when executed perform the steps of the method for withholding value provided by embodiments of the present invention.
While specific embodiments have been described above, these embodiments are not intended to limit the scope of the present disclosure, even where only a single embodiment is described with respect to a particular feature. The characteristic examples provided in the present disclosure are intended to be illustrative, not limiting, unless differently stated. In particular implementations, the features of one or more dependent claims may be combined with those of the independent claims as technically feasible according to the actual requirements, and the features from the respective independent claims may be combined in any appropriate manner and not merely by the specific combinations enumerated in the claims.
Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.

Claims (23)

1. A method of withholding value, comprising:
s101, receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount;
s102, acquiring a withholding recharging account and balance of the service client;
s103, judging whether the balance is larger than or equal to the recharging amount, and if so, completing the recharging and payment operation of the first service card based on the balance.
2. The method of claim 1, comprising:
s401, receiving a consumption record about a second service card sent by a service system;
s402, acquiring a withholding protocol and a withholding recharging account of the second service card, wherein the second service card and the first service card correspond to the same service client and the same withholding recharging account;
s403, completing withholding payment operation based on the consumption record and the withholding protocol;
and S404, updating the balance of the deduction recharging account based on the completed deduction paying operation.
3. The method of claim 2, comprising:
s301, receiving a first withholding request about the second service card sent by the service client, wherein the first withholding request comprises a payment account used for executing withholding payment for the second service card;
s302, authenticating the withholding recharging account corresponding to the second service card;
and S303, when the authentication is passed, signing a withholding protocol related to the second service card, wherein the withholding protocol is a three-party withholding protocol comprising the service system, the payment system to which the payment account belongs and the withholding recharging system to which the withholding recharging account belongs.
4. The method of claim 3, comprising authenticating the second service card:
and authenticating whether the second service card is a valid service card issued by the service system.
5. The method of claim 3, wherein authenticating the surcharge account corresponding to the second service card comprises:
authenticating whether the second service card is bound with a withholding recharging account or not;
when binding, confirming that the authentication passes or authenticating the withholding recharging account through the identity information of the service client;
and when the binding is not carried out, whether the service client establishes the withholding recharging account or not is authenticated, and when the binding is established, the established withholding recharging account is bound to the withholding recharging account corresponding to the second service card.
6. The method of claim 5, comprising:
when the deduction is not established, establishing a withholding recharging account for the service client;
binding the established withholding recharging account to the withholding recharging account corresponding to the second service card;
and confirming that the authentication of the withholding recharging account corresponding to the second service card is passed.
7. The method of claim 3, wherein the consumption record includes a consumption amount, and wherein completing a withholding payment operation based on the consumption record and the withholding agreement comprises:
sending a withholding instruction to a payment system corresponding to the withholding protocol based on the consumption amount so that the payment system completes withholding payment operation of the consumption amount based on the withholding instruction;
and receiving a withholding payment completion notification returned by the payment system.
8. The method of claim 7, wherein the consumption record includes a consumption time; the method comprises the following steps:
generating a withholding order based on the consumption record;
updating the withholding order based on the withholding payment completion notification.
9. The method of claim 7, wherein updating the balance of the surcharge account based on the completed surcharge payment operation comprises:
and updating the balance of the withholding recharging account based on the withholding payment completion notice and the consumption amount.
10. The method of claim 1, comprising:
and sending a second recharging request to the service system based on the completed recharging payment operation, so that the service system completes recharging authentication on the first service card based on the second recharging request and instructs the service client to complete recharging operation on the first service card.
11. The method of claim 2, wherein the second service card is the first service card.
12. The method of claim 2, wherein the second service card and the first service card are transportation cards.
13. A token refill system, comprising:
the receiving module is used for receiving a first recharging request about a first service card sent by a service client, wherein the first recharging request comprises a recharging amount;
the acquisition module is used for acquiring the withholding recharging account and the balance of the service client;
and the processing module is used for judging whether the balance is greater than or equal to the recharging amount and completing recharging and payment operation on the first service card based on the balance under the condition that the balance is greater than or equal to the recharging amount.
14. The system of claim 13, wherein the receiving module is further configured to receive a consumption record about the second service card sent by the service system;
the acquisition module is also used for acquiring a withholding protocol and a withholding recharging account of the second service card, and the second service card and the first service card correspond to the same service client and the same withholding recharging account;
the processing module is also used for finishing the withholding payment operation based on the consumption record and the withholding protocol and updating the balance of the withholding recharging account based on the finished withholding payment operation.
15. The system of claim 14, wherein the receiving module is further configured to receive a first deduction request sent by the service client regarding the second service card, which includes a payment account for performing a deduction payment for the second service card;
the substitute deduction recharging system comprises:
the authentication module is used for authenticating the second service card and the corresponding withholding recharging account;
and the signing module is used for signing a withholding protocol related to the second service card when the authentication is passed, wherein the withholding protocol is a three-party withholding protocol comprising the service system, the payment system to which the payment account belongs and the withholding recharging system to which the withholding recharging account belongs.
16. The system of claim 15, wherein the authentication module is configured to authenticate whether the second service card and/or the first service card is a valid service card issued by the service system.
17. The system of claim 15, wherein the authentication module is configured to authenticate whether the service client has established a voucher account and whether the first service card and the second service card have bound a voucher account.
18. The deductive charging system of claim 17, comprising an account management module for establishing a deductive charging account for the service client and saving the established deductive charging account.
19. The system of claim 18, comprising a binding module for binding the established substituted deduction recharging account to the corresponding substituted deduction recharging account of the second service card and the first service card.
20. The token refill system of claim 15 wherein the consumption record includes a consumption amount;
the withholding recharging system comprises a sending module, a withholding module and a withholding module, wherein the sending module is used for sending a withholding instruction to a payment system corresponding to the withholding protocol based on the consumption amount so that the payment system completes withholding payment operation of the consumption amount based on the withholding instruction;
the receiving module is used for receiving a withholding payment completion notification returned by the payment system;
and the processing module updates the balance of the withholding and recharging account based on the withholding payment completion notice and the consumption amount.
21. The value-substituting charging system of claim 20, wherein the sending module is further configured to send a second charging request to the service system based on the completed charging payment operation, so that the service system completes the charging authentication of the first service card based on the second charging request and instructs the service client to complete the charging operation of the first service card.
22. A token refill system comprising a memory having stored thereon computer instructions executable on the processor, and a processor which when executed performs the steps of the method of any one of claims 1 to 12.
23. A storage medium having stored thereon computer instructions, characterized in that the computer instructions are operable to perform the steps of the method of any one of claims 1 to 12.
CN202011255530.2A 2020-11-11 2020-11-11 Withholding and recharging method, system and storage medium Pending CN114493557A (en)

Priority Applications (1)

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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202011255530.2A CN114493557A (en) 2020-11-11 2020-11-11 Withholding and recharging method, system and storage medium

Publications (1)

Publication Number Publication Date
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Country Status (1)

Country Link
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