CN116228221A - Prepaid card supervision system, method, equipment and medium - Google Patents
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Abstract
The application discloses a prepaid card supervision system, a method, equipment and a medium, which relate to the technical field of computers and comprise the following steps: creating a digital RMB intelligent contract, when the request type is card purchasing, generating a card purchasing request, sending the card purchasing request to a digital RMB intelligent contract platform, executing the digital RMB intelligent contract, generating a card purchasing request, and sending the card purchasing request to a digital RMB core system; when the request type is card withdrawal, a prepaid card processing request is sent to a digital RMB intelligent contract platform so as to execute digital RMB intelligent contracts, and a refund request is sent to a digital RMB core system; and when the request type is cancellation, judging whether the sending end of the prepaid card processing request is a merchant end, if so, sending the prepaid card processing request to the digital RMB intelligent contract platform so as to execute the digital RMB intelligent contract, and sending the cancellation request to the digital RMB core system. The method and the device can improve the fund safety of the user and avoid the situation that the rights and interests of consumers in the prepayment industry are damaged.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a prepaid card supervision system, method, device, and medium.
Background
Prepaid cards, which are prepaid vouchers issued by a card issuing entity through a specific carrier and form for the purpose of profit, can purchase goods or services at a specific entity. The prepaid card is widely used in economic and social life, and plays a positive role in reducing cash use, facilitating public and stimulating consumption. There are also some prominent problems, such as lack of effective supervision and management of card issuing institutions, lack of guarantee of prepaid funds management, and insufficient tracking and knowledge of business development conditions, which can create potential financial risk problems, such as lack of funds supervision capability of funds-holding banks, and difficulty in finding potential risk potential hazards. Once the operator runs, the consumer's prepaid funds are difficult to clear and return.
From the above, how to improve the fund security of the user, avoid the damage of the rights and interests of the consumer in the prepaid industry, and improve the experience of the user is a problem to be solved in the field.
Disclosure of Invention
Accordingly, the present invention is directed to a prepaid card supervision system, method, apparatus and medium, which can improve the fund security of users, avoid the damage of consumer rights and interests in the prepaid industry, and improve the user experience. The specific scheme is as follows:
In a first aspect, the present application discloses a prepaid card monitoring system comprising:
the digital RMB intelligent contract creation module is used for creating digital RMB intelligent contracts for the digital RMB intelligent contract platform according to preset contract rules;
a request acquisition module for acquiring a prepaid card processing request;
a request analysis module for determining a request type of the prepaid card processing request;
the first sending interface is used for generating a card purchasing request and sending the card purchasing request to the digital RMB intelligent contract platform when the request type is card purchasing, so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract instance and executes the digital RMB intelligent contract based on the card purchasing request, and then generates a card purchasing request and sends the card purchasing request to the digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side;
the second sending interface is used for sending the prepaid card processing request to the digital RMB intelligent contract platform when the request type is card withdrawal, so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract and sends a refund request generated based on the prepaid card processing request to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side;
The third sending interface is used for judging whether the sending end of the prepaid card processing request is a merchant end or not when the request type is cancellation, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Optionally, the prepaid card supervisory system is characterized in that,
the first sending interface is used for generating card purchasing parameter information when the request type is card purchasing, adding the card purchasing parameter information to the prepaid card processing request to obtain a card purchasing request, sending the card purchasing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform sends an intelligent contract sub-wallet creation request generated based on the card purchasing request to the digital RMB core system so that the digital RMB core system creates an intelligent contract sub-wallet based on the intelligent contract sub-wallet creation request, returns a creation result to the digital RMB intelligent contract platform, creates a digital RMB intelligent contract instance, executes the digital RMB intelligent contract, and sends a card purchasing request to the digital RMB core system; and forwarding the card purchasing and locking result returned by the digital RMB core system to the user side.
Optionally, the prepaid card supervisory system is characterized in that,
the second sending interface is configured to send the prepaid card processing request to the digital rmb intelligent contract platform when the request type is a card withdrawal, so that the digital rmb intelligent contract platform performs intelligent contract card withdrawal verification based on the prepaid card processing request, and if the intelligent contract card withdrawal verification has no problem, execute the digital rmb intelligent contract, and send a refund request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the card returning result returned by the digital RMB core system to a user side.
Optionally, the prepaid card supervisory system is characterized in that,
the third sending interface is configured to send the prepaid card processing request to the digital rmb intelligent contract platform if the sending end of the prepaid card processing request is a merchant end, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation check based on the prepaid card processing request, and if the intelligent contract cancellation check has no problem, execute the digital rmb intelligent contract, and send a cancellation request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Optionally, the prepaid card supervisory system is characterized in that,
the third sending interface is further configured to execute the digital rmb intelligent contract if there is no problem in the intelligent contract cancellation check, send a cancellation request generated based on the prepaid card processing request to the digital rmb core system, and clear a merchant end benefit corresponding to the cancellation result when the digital rmb intelligent contract platform obtains the cancellation result returned by the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Optionally, the prepaid card supervisory system is characterized in that,
the third sending interface is further configured to generate a user prepaid card cancellation processing request corresponding to the merchant terminal after detecting that the merchant terminal cancels, and send the user prepaid card cancellation processing request to the digital rmb intelligent contract platform, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation check based on the user prepaid card cancellation processing request, and if the intelligent contract cancellation check has no problem, execute the digital rmb intelligent contract, generate a fund transfer request and send the fund transfer request to the digital rmb core system; and forwarding the user prepaid card cancellation result returned by the digital RMB core system to the user.
In a second aspect, the present application discloses a prepaid card monitoring method comprising:
creating a digital RMB intelligent contract for the digital RMB intelligent contract platform according to a preset contract rule, acquiring a prepaid card processing request, and determining the request type of the prepaid card processing request;
when the request type is card purchase, generating a card purchase request and sending the card purchase request to a digital RMB intelligent contract platform so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract example based on the card purchase request and executes the digital RMB intelligent contract, and then generating a card purchase request and sending the card purchase request to a digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side;
when the request type is card withdrawal, the prepaid card processing request is sent to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and a refund request generated based on the prepaid card processing request is sent to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side;
When the request type is cancellation, judging whether a sending end of the prepaid card processing request is a merchant end, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Optionally, when the request type is card withdrawal, the pre-paid card processing request is sent to the digital rmb intelligent contract platform, including:
acquiring the prepaid card processing request sent by the merchant terminal and used for representing agreement of user card withdrawal; the request type of the prepaid card processing request is card withdrawal;
and sending the prepaid card processing request to the digital RMB intelligent contract platform.
In a third aspect, the present application discloses an electronic device comprising:
a memory for storing a computer program;
and a processor for executing the computer program to implement the prepaid card supervision method described above.
In a fourth aspect, the present application discloses a computer storage medium for storing a computer program; wherein the computer program when executed by the processor implements the steps of the previously disclosed prepaid card supervision method.
It is seen that the present application provides a prepaid card supervision system, including a digital rmb intelligent contract creation module for creating a digital rmb intelligent contract for a digital rmb intelligent contract platform according to a preset contract rule; a request acquisition module for acquiring a prepaid card processing request; a request analysis module for determining a request type of the prepaid card processing request; the first sending interface is used for generating a card purchasing request and sending the card purchasing request to the digital RMB intelligent contract platform when the request type is card purchasing, so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract instance and executes the digital RMB intelligent contract based on the card purchasing request, and then generates a card purchasing request and sends the card purchasing request to the digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side; the second sending interface is used for sending the prepaid card processing request to the digital RMB intelligent contract platform when the request type is card withdrawal, so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract and sends a refund request generated based on the prepaid card processing request to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side; the third sending interface is used for judging whether the sending end of the prepaid card processing request is a merchant end or not when the request type is cancellation, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal. The method and the system complete the total flow fund flow and information flow management of prepaid card amount, card purchasing, consumption, card withdrawal and cancellation through the digital RMB intelligent contract, ensure the point-to-point directional payment of the fund, complete the fund safety management and control through the digital RMB intelligent contract, and avoid the problems that the fund of a fund escrow party is stolen, the fund cannot be withdrawn after the business runs, and the like. In addition, the invention can complete fund supervision and payment management and control in the digital RMB system by means of the intelligent contract sub-wallet function through the digital RMB core system, and a block chain system is not needed to be connected, so that the resource waste caused by data outflow and block chain multi-node data backup is reduced, the problem that the rights and interests of consumers in the prepayment industry are damaged can be effectively solved, and the prepayment industry is more standard, transparent and convenient.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a prepaid card supervisory system disclosed herein;
FIG. 2 is a card purchasing flowchart of a prepaid card supervisory system disclosed herein;
FIG. 3 is a card withdrawal flow chart of a prepaid card supervisory system disclosed herein;
FIG. 4 is a merchant side logout flow chart of a prepaid card supervisory system disclosed herein;
FIG. 5 is a flowchart of a prepaid card supervisory system initiated cancellation process disclosed herein;
FIG. 6 is a specific flow chart of a prepaid card monitoring method disclosed herein;
fig. 7 is a block diagram of an electronic device provided in the present application.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Prepaid cards, which are prepaid vouchers issued by a card issuing entity through a specific carrier and form for the purpose of profit, can purchase goods or services at a specific entity. The prepaid card is widely used in economic and social life, and plays a positive role in reducing cash use, facilitating public and stimulating consumption. There are also some prominent problems, such as lack of effective supervision and management of card issuing institutions, lack of guarantee of prepaid funds management, and insufficient tracking and knowledge of business development conditions, which can create potential financial risk problems, such as lack of funds supervision capability of funds-holding banks, and difficulty in finding potential risk potential hazards. Once the operator runs, the consumer's prepaid funds are difficult to clear and return. From the above, how to improve the fund security of the user, avoid the damage of the rights and interests of the consumer in the prepaid industry, and improve the experience of the user is a problem to be solved in the field.
Referring to fig. 1, the embodiment of the invention discloses a prepaid card supervision system, which specifically may include:
the digital RMB intelligent contract creation module 11 is used for creating digital RMB intelligent contracts for the digital RMB intelligent contract platform according to preset contract rules;
A request acquisition module 12 for acquiring a prepaid card processing request;
a request analysis module 13 for determining a request type of the prepaid card processing request;
a first transmitting interface 14, configured to generate a card purchase request and transmit the card purchase request to a digital rmb intelligent contract platform, so that the digital rmb intelligent contract platform creates a digital rmb intelligent contract instance and executes the digital rmb intelligent contract based on the card purchase request, and then generate a card purchase request and transmit the card purchase request to a digital rmb core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side;
a second transmitting interface 15, configured to transmit the prepaid card processing request to the digital rmb smart contract platform when the request type is a refund card, so that the digital rmb smart contract platform executes the digital rmb smart contract, and transmit a refund request generated based on the prepaid card processing request to the digital rmb core system; forwarding a card returning result returned by the digital RMB core system to a user side;
a third transmitting interface 16, configured to determine whether the transmitting end of the prepaid card processing request is a merchant end when the request type is a logout, and if the transmitting end of the prepaid card processing request is a merchant end, transmit the prepaid card processing request to the digital rmb smart contract platform, so that the digital rmb smart contract platform executes the digital rmb smart contract, and transmit a logout request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Further, the first sending interface is configured to generate card purchasing parameter information when the request type is card purchasing, add the card purchasing parameter information to the prepaid card processing request to obtain a card purchasing request, send the card purchasing request to the digital RMB smart contract platform, so that the digital RMB smart contract platform sends a smart contract sub-wallet creation request generated based on the card purchasing request to the digital RMB core system, so that the digital RMB core system creates a smart contract sub-wallet based on the smart contract sub-wallet creation request, returns a creation result to the digital RMB smart contract platform, then the digital RMB smart contract platform creates a digital RMB smart contract instance and executes the digital RMB smart contract, and sends a card purchasing request to the digital RMB core system; and forwarding the card purchasing and locking result returned by the digital RMB core system to the user side. In this embodiment, a digital rmb intelligent contract is created for a digital rmb intelligent contract platform according to preset contract rules, where the contract rules include prepaid card amount, merchant store for which prepaid card is applicable, fund lifetime, amount for each verification, and card withdrawal or cancellation rules; then, when the request type is card purchase, the specific steps are as shown in fig. 2, and the steps are as follows: 1. the user prepays the card processing request to the supervision system of the application, and the prepayment card request type is card purchase; 2. the supervision system adds the generated card purchasing parameter information to a prepaid card processing request to obtain a card purchasing request, and sends the card purchasing request to the digital RMB intelligent contract platform; 3. the digital RMB intelligent contract platform generates an intelligent contract sub-wallet creation request, and the intelligent contract sub-wallet creation request is sent to the digital RMB core system; 4. the digital RMB core system creates an intelligent contract sub-wallet according to the intelligent contract sub-wallet creation request; 5. the digital RMB core system returns the creation result to the digital RMB intelligent contract platform; 6. creating a digital RMB intelligent contract instance by the digital RMB intelligent contract platform; 7. executing the intelligent digital RMB contract and sending a card purchase request to the digital RMB core system; 8. the digital RMB core system deducts money; 9. the digital RMB core system returns the card purchasing and deducting result, and finally forwards the result to the user side through the digital RMB intelligent contract platform and the supervision system.
Further, the second sending interface is configured to send the prepaid card processing request to the digital rmb smart contract platform when the request type is a card withdrawal, so that the digital rmb smart contract platform performs smart contract card withdrawal verification based on the prepaid card processing request, and if the smart contract card withdrawal verification has no problem, execute the digital rmb smart contract, and send a refund request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the card returning result returned by the digital RMB core system to a user side. In this embodiment, a digital rmb intelligent contract is created for a digital rmb intelligent contract platform according to preset contract rules, where the contract rules include prepaid card amount, merchant store for which prepaid card is applicable, fund lifetime, amount for each verification, and card withdrawal or cancellation rules; then, when the request type is card withdrawal, specific steps are as shown in fig. 3, and the steps are as follows: 1. the user prepays the card processing request to the merchant terminal, and the type of the prepayment card request is card withdrawal; 2. the merchant terminal agrees with the prepaid card processing request, and then sends the prepaid card processing request to the supervision system of the application, wherein the type of the prepaid card request is card withdrawal; 3. the supervision system sends a prepaid card request to the digital RMB intelligent contract platform; 4. the digital RMB intelligent contract platform performs intelligent contract card withdrawal verification; 5. if the intelligent contract card withdrawal verification has no problem, executing the digital RMB intelligent contract, and sending the generated refund request to the digital RMB core system; 6. the digital RMB core system carries out card returning and returns a card returning result; 7. and the digital RMB wallet deducts money, and then forwards a card returning result returned by the digital RMB core system to the user side.
Further, the third sending interface is configured to send the prepaid card processing request to the digital rmb intelligent contract platform if the sending end of the prepaid card processing request is a merchant end, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation check based on the prepaid card processing request, and if the intelligent contract cancellation check has no problem, execute the digital rmb intelligent contract, and send a cancellation request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Further, the third sending interface is further configured to execute the digital rmb intelligent contract if there is no problem in the intelligent contract logout check, send a logout request generated based on the prepaid card processing request to the digital rmb core system, and clear a merchant end benefit corresponding to the logout result when the digital rmb intelligent contract platform obtains the logout result returned by the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
In this embodiment, a digital rmb intelligent contract is created for a digital rmb intelligent contract platform according to preset contract rules, where the contract rules include prepaid card amount, merchant store for which prepaid card is applicable, fund lifetime, amount for each verification, and card withdrawal or cancellation rules; then, when the request type is logout, specific steps are as shown in fig. 4, and the steps are as follows: 1. the merchant terminal meets the logout condition and performs logout; 2. transmitting a prepaid card processing request to the supervisory system, wherein the type of the prepaid card processing request is cancellation; 3. sending the prepaid card processing request to a digital RMB intelligent contract platform; 4. the digital RMB intelligent contract platform carries out intelligent contract cancellation verification; 5. if the intelligent contract logout check has no problem, executing the digital RMB intelligent contract and sending the generated logout request to the digital RMB core system; 6. the digital RMB core system performs cancellation payment (namely, the digital RMB wallet performs deduction), and returns a cancellation result; 7. the digital RMB intelligent contract platform clears the rights and interests of the merchant terminal; 8. and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
Further, the third sending interface is further configured to generate a user prepaid card cancellation processing request corresponding to the merchant terminal after detecting that the merchant terminal cancels, and send the user prepaid card cancellation processing request to the digital rmb intelligent contract platform, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation verification based on the user prepaid card cancellation processing request, and if the intelligent contract cancellation verification has no problem, execute the digital rmb intelligent contract, generate a fund transfer request and send the fund transfer request to the digital rmb core system; and forwarding the user prepaid card cancellation result returned by the digital RMB core system to the user. In this embodiment, after detecting that the merchant logs off, the specific steps are as shown in fig. 5, and the steps are as follows: 1. after detecting the logout of the merchant terminal, the supervision system generates a user prepaid card logout processing request corresponding to the merchant terminal and sends the user prepaid card logout processing request to the digital RMB intelligent contract platform; 2. the digital RMB intelligent contract platform carries out intelligent contract cancellation verification; 3. if the intelligent contract logout check has no problem, executing the digital RMB intelligent contract and sending the generated logout request to the digital RMB core system; 4. the digital RMB core system performs cancellation payment (namely, the digital RMB wallet performs deduction), and returns a cancellation result; 5. the digital RMB intelligent contract platform clears the rights and interests; 6. and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
In this embodiment, the digital rmb intelligent contract creation module is configured to create a digital rmb intelligent contract for the digital rmb intelligent contract platform according to a preset contract rule; a request acquisition module for acquiring a prepaid card processing request; a request analysis module for determining a request type of the prepaid card processing request; the first sending interface is used for generating a card purchasing request and sending the card purchasing request to the digital RMB intelligent contract platform when the request type is card purchasing, so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract instance and executes the digital RMB intelligent contract based on the card purchasing request, and then generates a card purchasing request and sends the card purchasing request to the digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side; the second sending interface is used for sending the prepaid card processing request to the digital RMB intelligent contract platform when the request type is card withdrawal, so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract and sends a refund request generated based on the prepaid card processing request to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side; the third sending interface is used for judging whether the sending end of the prepaid card processing request is a merchant end or not when the request type is cancellation, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal. The method and the system complete the total flow fund flow and information flow management of prepaid card amount, card purchasing, consumption, card withdrawal and cancellation through the digital RMB intelligent contract, ensure the point-to-point directional payment of the fund, complete the fund safety management and control through the digital RMB intelligent contract, and avoid the problems that the fund of a fund escrow party is stolen, the fund cannot be withdrawn after the business runs, and the like. In addition, the invention can complete fund supervision and payment management and control in the digital RMB system by means of the intelligent contract sub-wallet function through the digital RMB core system, and a block chain system is not needed to be connected, so that the resource waste caused by data outflow and block chain multi-node data backup is reduced, the problem that the rights and interests of consumers in the prepayment industry are damaged can be effectively solved, and the prepayment industry is more standard, transparent and convenient.
Further, referring to fig. 6, the embodiment of the present application further discloses a prepaid card supervision method, which is characterized in that the method is applied to a supervision system, and includes:
step S11: creating a digital RMB intelligent contract for the digital RMB intelligent contract platform according to a preset contract rule, acquiring a prepaid card processing request, and determining the request type of the prepaid card processing request.
Step S12: when the request type is card purchase, generating a card purchase request and sending the card purchase request to a digital RMB intelligent contract platform so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract example based on the card purchase request and executes the digital RMB intelligent contract, and then generating a card purchase request and sending the card purchase request to a digital RMB core system; and forwarding the card purchasing and locking result returned by the digital RMB core system to a user side.
Step S13: when the request type is card withdrawal, the prepaid card processing request is sent to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and a refund request generated based on the prepaid card processing request is sent to the digital RMB core system; and forwarding the card returning result returned by the digital RMB core system to a user side.
Step S14: when the request type is cancellation, judging whether a sending end of the prepaid card processing request is a merchant end, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
In this embodiment, when the request type is card withdrawal, the sending the prepaid card processing request to the digital rmb intelligent contract platform includes: acquiring the prepaid card processing request sent by the merchant terminal and used for representing agreement of user card withdrawal; the request type of the prepaid card processing request is card withdrawal; and sending the prepaid card processing request to the digital RMB intelligent contract platform.
Specifically, the user purchases the card, the user purchases the prepaid card through the platform, and the funds flow in the purchasing process is as follows: the digital RMB personal wallet system finishes payment; funds are deposited into the personal user smart contract sub-wallet. When user consumption/store verification is carried out, the user consumption is completed, and the direct payment from the personal intelligent contract subcompany of the user to the digital RMB of the merchant to the public wallet is completed through the digital RMB intelligent contract; when the user needs to initiate card withdrawal, the balance pre-stored in the personal user intelligent contract sub-wallet pays card withdrawal commission point-to-point to the merchant digital RMB pair company according to the digital RMB intelligent contract rule, and the money after deducting the commission is transferred to the digital RMB personal wallet of the user; when the merchant fails to fulfill the service normally, the card is logged out, and the balance stored in the personal intelligent contract sub-wallet of the user is automatically returned to the personal wallet of the user according to the intelligent contract rule of the digital RMB. The method and the system fully combine the digital RMB intelligent contract technology, and provide related functions such as card purchasing, consumption, goods returning and card returning for prepaid products based on the supervision of funds by a bank operation mechanism. The invention ensures the fund safety of consumers, enriches the scene ecology of merchants, improves the supervision efficiency of government, creates a convenient, high-efficiency and safe environment for the prepaid consumption industry, provides high-quality service, and based on the invention, prepaid card funds enter a digital RMB intelligent contract supervision account, and the prepaid funds before consumption still belong to the consumers, after the consumers consume the prepaid funds to the merchants for a single time, the consumers can initiate card withdrawal application at any time, funds arrive in real time, and the rights and interests of the consumers and the fund safety are fully ensured. The invention completes the fund supervision of the whole flow through the digital RMB core system and the intelligent contract system thereof, and avoids the resource waste caused by easy data storage without an external system.
In the embodiment, a digital RMB intelligent contract is created for a digital RMB intelligent contract platform according to a preset contract rule, a prepaid card processing request is obtained, and the request type of the prepaid card processing request is determined; when the request type is card purchase, generating a card purchase request and sending the card purchase request to a digital RMB intelligent contract platform so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract example based on the card purchase request and executes the digital RMB intelligent contract, and then generating a card purchase request and sending the card purchase request to a digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side; when the request type is card withdrawal, the prepaid card processing request is sent to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and a refund request generated based on the prepaid card processing request is sent to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side; when the request type is cancellation, judging whether a sending end of the prepaid card processing request is a merchant end, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal. The method and the system complete the total flow fund flow and information flow management of prepaid card amount, card purchasing, consumption, card withdrawal and cancellation through the digital RMB intelligent contract, ensure the point-to-point directional payment of the fund, complete the fund safety management and control through the digital RMB intelligent contract, and avoid the problems that the fund of a fund escrow party is stolen, the fund cannot be withdrawn after the business runs, and the like. In addition, the invention can complete fund supervision and payment management and control in the digital RMB system by means of the intelligent contract sub-wallet function through the digital RMB core system, and a block chain system is not needed to be connected, so that the resource waste caused by data outflow and block chain multi-node data backup is reduced, the problem that the rights and interests of consumers in the prepayment industry are damaged can be effectively solved, and the prepayment industry is more standard, transparent and convenient.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device 20 may specifically include: at least one processor 21, at least one memory 22, a power supply 23, a communication interface 24, an input output interface 25, and a communication bus 26. Wherein the memory 22 is adapted to store a computer program that is loaded and executed by the processor 21 to implement the relevant steps in the prepaid card supervisory system as disclosed in any of the foregoing embodiments as being performed by an electronic device.
In this embodiment, the power supply 23 is configured to provide an operating voltage for each hardware device on the electronic device 20; the communication interface 24 can create a data transmission channel between the electronic device 20 and an external device, and the communication protocol to be followed is any communication protocol applicable to the technical solution of the present application, which is not specifically limited herein; the input/output interface 25 is used for acquiring external input data or outputting external output data, and the specific interface type thereof may be selected according to the specific application requirement, which is not limited herein.
The memory 22 may be a carrier for storing resources, such as a read-only memory, a random access memory, a magnetic disk, or an optical disk, and the resources stored thereon include an operating system 221, a computer program 222, and data 223, and the storage may be temporary storage or permanent storage.
The operating system 221 is used for managing and controlling various hardware devices on the electronic device 20 and the computer program 222, so as to implement the operation and processing of the data 223 in the memory 22 by the processor 21, which may be Windows, unix, linux or the like. The computer program 222 may further comprise a computer program that can be used to perform other specific tasks in addition to the computer program that can be used to perform the prepaid card supervisory system performed by the electronic device 20 as disclosed in any of the previous embodiments. The data 223 may include, in addition to data received by the prepaid card supervisory system device and transmitted by an external device, data collected by the own input-output interface 25, and so on.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
Further, the embodiment of the application also discloses a computer readable storage medium, wherein the storage medium stores a computer program, and when the computer program is loaded and executed by a processor, the steps of the prepaid card supervision system disclosed in any of the previous embodiments are realized.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing has described in detail the system, method, apparatus and storage medium for prepaid card supervision, and specific examples have been employed herein to illustrate the principles and embodiments of the present invention, the above examples being for the purpose of aiding in the understanding of the method and core concept of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. A prepaid card monitoring system, comprising:
the digital RMB intelligent contract creation module is used for creating digital RMB intelligent contracts for the digital RMB intelligent contract platform according to preset contract rules;
a request acquisition module for acquiring a prepaid card processing request;
a request analysis module for determining a request type of the prepaid card processing request;
the first sending interface is used for generating a card purchasing request and sending the card purchasing request to the digital RMB intelligent contract platform when the request type is card purchasing, so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract instance and executes the digital RMB intelligent contract based on the card purchasing request, and then generates a card purchasing request and sends the card purchasing request to the digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side;
The second sending interface is used for sending the prepaid card processing request to the digital RMB intelligent contract platform when the request type is card withdrawal, so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract and sends a refund request generated based on the prepaid card processing request to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side;
the third sending interface is used for judging whether the sending end of the prepaid card processing request is a merchant end or not when the request type is cancellation, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
2. The prepaid card monitoring system of claim 1, wherein,
The first sending interface is used for generating card purchasing parameter information when the request type is card purchasing, adding the card purchasing parameter information to the prepaid card processing request to obtain a card purchasing request, sending the card purchasing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform sends an intelligent contract sub-wallet creation request generated based on the card purchasing request to the digital RMB core system so that the digital RMB core system creates an intelligent contract sub-wallet based on the intelligent contract sub-wallet creation request, returns a creation result to the digital RMB intelligent contract platform, creates a digital RMB intelligent contract instance, executes the digital RMB intelligent contract, and sends a card purchasing request to the digital RMB core system; and forwarding the card purchasing and locking result returned by the digital RMB core system to the user side.
3. The prepaid card monitoring system of claim 1, wherein,
the second sending interface is configured to send the prepaid card processing request to the digital rmb intelligent contract platform when the request type is a card withdrawal, so that the digital rmb intelligent contract platform performs intelligent contract card withdrawal verification based on the prepaid card processing request, and if the intelligent contract card withdrawal verification has no problem, execute the digital rmb intelligent contract, and send a refund request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the card returning result returned by the digital RMB core system to a user side.
4. The prepaid card monitoring system of claim 1, wherein,
the third sending interface is configured to send the prepaid card processing request to the digital rmb intelligent contract platform if the sending end of the prepaid card processing request is a merchant end, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation check based on the prepaid card processing request, and if the intelligent contract cancellation check has no problem, execute the digital rmb intelligent contract, and send a cancellation request generated based on the prepaid card processing request to the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
5. The prepaid card monitoring system of claim 4 wherein,
the third sending interface is further configured to execute the digital rmb intelligent contract if there is no problem in the intelligent contract cancellation check, send a cancellation request generated based on the prepaid card processing request to the digital rmb core system, and clear a merchant end benefit corresponding to the cancellation result when the digital rmb intelligent contract platform obtains the cancellation result returned by the digital rmb core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
6. The prepaid card monitoring system of any of claims 1-5 wherein,
the third sending interface is further configured to generate a user prepaid card cancellation processing request corresponding to the merchant terminal after detecting that the merchant terminal cancels, and send the user prepaid card cancellation processing request to the digital rmb intelligent contract platform, so that the digital rmb intelligent contract platform performs an intelligent contract cancellation check based on the user prepaid card cancellation processing request, and if the intelligent contract cancellation check has no problem, execute the digital rmb intelligent contract, generate a fund transfer request and send the fund transfer request to the digital rmb core system; and forwarding the user prepaid card cancellation result returned by the digital RMB core system to the user.
7. A method of prepaid card supervision, characterized by being applied to a supervision system, comprising:
creating a digital RMB intelligent contract for the digital RMB intelligent contract platform according to a preset contract rule, acquiring a prepaid card processing request, and determining the request type of the prepaid card processing request;
when the request type is card purchase, generating a card purchase request and sending the card purchase request to a digital RMB intelligent contract platform so that the digital RMB intelligent contract platform creates a digital RMB intelligent contract example based on the card purchase request and executes the digital RMB intelligent contract, and then generating a card purchase request and sending the card purchase request to a digital RMB core system; forwarding a card purchasing money result returned by the digital RMB core system to a user side;
When the request type is card withdrawal, the prepaid card processing request is sent to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and a refund request generated based on the prepaid card processing request is sent to the digital RMB core system; forwarding a card returning result returned by the digital RMB core system to a user side;
when the request type is cancellation, judging whether a sending end of the prepaid card processing request is a merchant end, if the sending end of the prepaid card processing request is the merchant end, sending the prepaid card processing request to the digital RMB intelligent contract platform so that the digital RMB intelligent contract platform executes the digital RMB intelligent contract, and sending the cancellation request generated based on the prepaid card processing request to the digital RMB core system; and forwarding the logout result returned by the digital RMB core system to the merchant terminal.
8. The prepaid card monitoring method of claim 7, wherein when the request type is card withdrawal, sending the prepaid card processing request to the digital rmb intelligent contract platform includes:
Acquiring the prepaid card processing request sent by the merchant terminal and used for representing agreement of user card withdrawal; the request type of the prepaid card processing request is card withdrawal;
and sending the prepaid card processing request to the digital RMB intelligent contract platform.
9. An electronic device, comprising:
a memory for storing a computer program;
processor for executing the computer program to implement the prepaid card supervision method according to claim 7 or 8.
10. A computer-readable storage medium for storing a computer program; wherein the computer program, when executed by a processor, implements a prepaid card supervision method according to claim 7 or 8.
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Application publication date: 20230606 |