CN116308335A - Prepaid gold processing method and apparatus, electronic device, and storage medium - Google Patents

Prepaid gold processing method and apparatus, electronic device, and storage medium Download PDF

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Publication number
CN116308335A
CN116308335A CN202310129967.9A CN202310129967A CN116308335A CN 116308335 A CN116308335 A CN 116308335A CN 202310129967 A CN202310129967 A CN 202310129967A CN 116308335 A CN116308335 A CN 116308335A
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enterprise
service
prepaid
digital wallet
digital
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CN116308335B (en
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陈应魁
王星
黄志华
聂豪
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Shenzhen Huayuxun Technology Co ltd
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Shenzhen Huayuxun Technology Co ltd
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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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash

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Abstract

The application discloses a prepaid gold processing method and device, electronic equipment and storage medium. The method is applied to a background server of an enterprise service platform, the background server is used for processing prepaid fee of enterprise service, and the method comprises the following steps: creating a service item according to a digital asset to be sent for service by a prestored enterprise submitted by an enterprise end and a preset interface provided by the bank end; issuing corresponding prepaid fees in digital assets to be issued by the enterprise for service to the service item based on the service item and a first digital wallet pre-opened; and determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service. The method and the device solve the technical problem that enterprises cannot manage, issue or pay prepaid gold for benefits, subsidies, fees and rights of served parties well.

Description

Prepaid gold processing method and apparatus, electronic device, and storage medium
Technical Field
The present application relates to the field of prepaid gold management, and in particular, to a prepaid gold processing method and apparatus, an electronic device, and a storage medium.
Background
An enterprise may provide enterprise services, including physical or virtual, to served parties.
In the related art, prepaid fee for enterprise services is usually paid to a service platform at one time, and purchase exchange is performed by a served party itself at the service platform. The service platform is easy to delay delivery or the situation that the served party does not exchange or use on schedule, so that payment risk or fund waste is caused.
Aiming at the problem that enterprises in the related technology cannot better manage and send prepaid gold for benefits, subsidies, fees and rights of served parties, no effective solution is proposed at present.
Disclosure of Invention
The main purpose of the present application is to provide a prepaid gold processing method and apparatus, an electronic device, and a storage medium, so as to solve the problem that enterprises cannot manage and send prepaid gold for benefits, subsidies, fees, interests of served parties well.
To achieve the above object, according to one aspect of the present application, there is provided a prepaid gold processing method applied to a background server of an enterprise service platform for processing prepaid gold of public-to-public traffic in an enterprise service.
The prepaid gold processing method according to the present application includes:
creating a service item according to a digital asset to be sent for service by a prestored enterprise submitted by an enterprise end and a preset interface provided by the bank end;
issuing a corresponding prepaid fee in digital assets to be issued for service by the enterprise to the service item based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a personal exclusive account created at the bank end for each served party of the enterprise that can obtain enterprise service;
and determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
In some embodiments, the method further comprises:
monitoring whether the service item is expired;
if the service item is monitored to be expired, recovering the prepaid gold in the first digital wallet and returning the balance in the prepaid gold to a second digital wallet pre-opened by the enterprise terminal, wherein the second digital wallet is an enterprise-specific account which is opened by the enterprise terminal at the bank terminal and is used for specially managing the prepaid gold;
And determining whether the balance in the prepaid gold is recovered to the second digital wallet according to the processing result of the bank end for returning the balance to the second digital wallet pre-opened by the enterprise end.
In some embodiments, the determining whether the prepaid gold is issued to the first digital wallet according to a result of processing by the bank end of a corresponding prepaid gold in digital assets to be issued by the enterprise for service includes:
and determining whether the prepaid gold in the second digital wallet is issued to the first digital wallet according to a batch issuing processing result of the prepaid gold in the second digital wallet, which is based on the prepaid gold in the second digital wallet, on the basis of the prepaid gold in the digital wallet, and the corresponding prepaid gold in the digital asset to be issued by the enterprise for service, wherein the second digital wallet comprises at least one and the first digital wallet comprises a plurality of digital wallets.
In some embodiments, if it is determined that the balance in the prepaid gold has been recovered to the first digital wallet based on the bulk recovery processing status of the second digital wallet returned by the bank, the bulk recovery processing status of the balance in the second digital wallet is recorded.
In some embodiments, if the service item is monitored to be unexpired and it is determined that the prepaid fee has been issued to the first digital wallet, the use of the prepaid fee is completed by purchasing a service commodity at an enterprise service platform using the prepaid fee in the first digital wallet.
In some embodiments, the issuing of the corresponding prepaid fee in the digital assets to be placed for service by the enterprise to the service item based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a person-specific account created at the bank side for each serviceee of the enterprise that can obtain enterprise services, comprises:
and creating a corresponding activity item at the bank end based on the service item, and issuing a corresponding prepaid fee in the digital asset to be issued by the enterprise for service to the service item of the personal exclusive account created by the bank end through the activity item at the bank end.
In some embodiments, the creating a service item according to the digital asset to be sent for service by the enterprise submitted by the pre-stored enterprise end and the preset interface provided by the bank end includes:
and creating the first digital wallet according to the service valid period, the information of the served party, the benefit to be issued by each served party, the subsidy, the expense and the equity limit in the digital assets submitted by the pre-stored enterprise terminal and the preset batch provided by the bank terminal, and/or issuing prepaid funds to the interface of the first digital wallet in batches, and creating the service item corresponding to the prepaid funds of the enterprise service.
To achieve the above object, according to another aspect of the present application, there is provided a prepaid gold processing apparatus applied to a background server of an enterprise service platform for processing prepaid gold of public-to-public business in an enterprise service.
The prepaid gold processing unit according to the present application includes:
creating a service item according to a digital asset to be sent for service by a prestored enterprise submitted by an enterprise end and a preset interface provided by the bank end;
issuing a corresponding prepaid fee in digital assets to be issued for service by the enterprise to the service item based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a personal exclusive account created at the bank end for each served party of the enterprise that can obtain enterprise service;
and determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
According to a further aspect of the present application there is also provided a storage medium having stored therein a computer program, wherein the computer program is arranged to perform the steps of any of the method embodiments described above when run.
According to a further aspect of the present application there is also provided an electronic device comprising a memory having stored therein a computer program and a processor arranged to run the computer program to perform the steps of any of the method embodiments described above.
In the embodiment of the application, a mode of creating a service item is adopted according to the pre-stored digital assets to be sent by an enterprise terminal and the preset interface provided by the bank terminal, and the corresponding prepaid gold in the digital assets to be sent by the enterprise is sent to the service item based on the service item and the pre-opened first digital wallet, so that the technical problem that whether the prepaid gold is sent to the first digital wallet or not is determined according to the processing result of the bank terminal on the corresponding prepaid gold in the digital assets to be sent by the enterprise for service is solved, the technical effect of effectively managing the prepaid gold is achieved, and the technical problem that the enterprise cannot manage and send the prepaid gold for benefits, subsidies, fees and rights of a served party well is solved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, are included to provide a further understanding of the application and to provide a further understanding of the application with regard to the other features, objects and advantages of the application. The drawings of the illustrative embodiments of the present application and their descriptions are for the purpose of illustrating the present application and are not to be construed as unduly limiting the present application. In the drawings:
FIG. 1 is a flow chart of a prepaid gold processing method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of the structure of a prepaid gold processing unit according to an embodiment of the present application;
FIG. 3 is a timing diagram of a prepaid gold processing method according to an embodiment of the present application;
fig. 4 is a timing diagram of a prepaid gold processing method according to an embodiment of the present application.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the present application described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In the present application, the terms "upper", "lower", "left", "right", "front", "rear", "top", "bottom", "inner", "outer", "middle", "vertical", "horizontal", "lateral", "longitudinal" and the like indicate an azimuth or a positional relationship based on that shown in the drawings. These terms are used primarily to better describe the present application and its embodiments and are not intended to limit the indicated device, element or component to a particular orientation or to be constructed and operated in a particular orientation.
Also, some of the terms described above may be used to indicate other meanings in addition to orientation or positional relationships, for example, the term "upper" may also be used to indicate some sort of attachment or connection in some cases. The specific meaning of these terms in this application will be understood by those of ordinary skill in the art as appropriate.
Furthermore, the terms "mounted," "configured," "provided," "connected," "coupled," and "sleeved" are to be construed broadly. For example, it may be a fixed connection, a removable connection, or a unitary construction; may be a mechanical connection, or an electrical connection; may be directly connected, or indirectly connected through intervening media, or may be in internal communication between two devices, elements, or components. The specific meaning of the terms in this application will be understood by those of ordinary skill in the art as the case may be.
It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
As shown in fig. 1, a flow chart of a prepaid gold processing method according to an embodiment of the present application is applied to a background server of an enterprise service platform, where the background server is used for processing public-to-public service prepaid gold in an enterprise service. I.e. the relevant execution bodies are executed by the background server. The backend server is used to process prepaid funds for enterprise services. The method comprises the following steps S110 to S130:
step S110, creating a service item according to the digital assets to be sent for service by the enterprises submitted by the prestored enterprise terminals and the preset interfaces provided by the bank terminals.
The digital assets submitted by the enterprise end and to be sent for service are pre-stored in the background server, and it can be understood that the digital assets to be sent for service by the enterprise include, but are not limited to, welfare, subsidies, expense, lists of served parties of rights and interests, corresponding amounts obtained by each served party and the like.
The bank side provides a preset interface including, but not limited to, an interface for issuing or retrieving the prepaid gold. Through the preset interface provided by the bank end, the background server can realize the calling of related interface functions, and the specific implementation process is not repeated.
Illustratively, at least one service item is created on the enterprise service platform according to the digital assets submitted by the pre-stored enterprise terminal and to be sent for service by the enterprise and the preset interface provided by the bank terminal, and the service item can provide enterprise service for the served party of the enterprise terminal in a specified or appointed period.
It should be noted that, by creating the service item, the service capability of the enterprise service platform is associated and bound with the user (served party) of the enterprise terminal.
"served parties" include, but are not limited to, parties associated with an enterprise that need to provide services, such as, for example, employees of the enterprise itself, non-enterprise employees that need to provide related services.
"service items" include, but are not limited to, benefits, subsidies, cost budgets for production operations, and merchandise service equities that the business issues to non-self employees.
A "digital asset" is an enterprise that is used to service or issue to the served party and is embodied in a "prepaid fee".
Step S120, issuing, to the service item, a corresponding prepaid fee in the digital assets to be issued for service by the enterprise based on the service item and a first digital wallet pre-opened, where the first digital wallet pre-opened is a personal dedicated account created at the bank end by a server for each available enterprise service of the enterprise.
The corresponding prepaid fee in the digital asset to be issued by the enterprise for service may then be issued to the service item at the background server based on the service item and a pre-opened first digital wallet (opened at the bank end). That is, by the association relationship established by the service item, the function of issuing the corresponding prepaid fee in the digital asset for service to be issued by the enterprise can be realized only by issuing the corresponding prepaid fee in the digital asset for service to be issued by the enterprise to the service item.
It should be noted that the pre-opened first digital wallet is a personal dedicated account created at the bank end for each served party of the enterprise that can obtain enterprise services. It will be appreciated that the individual-specific account created at the banking end may be created at the banking end by an enterprise end for a served party or created at the banking end by the enterprise service platform instead of for a served party.
Step S130, determining whether the prepaid fee is issued to the first digital wallet according to the processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
And finally, receiving a processing result of the bank end on the corresponding prepaid gold in the digital assets to be sent for service by the enterprise at the background server, and determining whether the prepaid gold is sent to the first digital wallet according to the processing result.
Through the steps, before the served party at the enterprise side purchases/uses the service item, the prepaid gold related in the whole link flows only in the special fund account at the enterprise side and the first digital wallet of the served side and cannot pass through the account of the enterprise service platform.
Meanwhile, the prepaid fee corresponding to benefits, subsidies, fees and rights obtained by the served party at the enterprise end can be stored in the first digital wallet and is attributed to the served party. And not one of the enterprise service services platforms, nor will the corresponding prepaid fee in terms of benefits, subsidies, fees, equity be lost because the service is not purchased or used. In addition, the prepaid fee is responsible for completion and supervision by a digital currency system at the bank end, and is safe and reliable.
The funds used by the enterprise to purchase the service goods are not directly transferred to the platform, but rather there is an own service funds dedicated account. And the fund risk caused by platform default is avoided. The service deposit issued to the served party is issued to the served party in the digital wallet created by the bank, is actually the home served party and is not an accounting in the platform system. The platform can only obtain corresponding fund returns when the served party purchases the service commodity.
In some embodiments, the digital assets for services include, but are not limited to, enterprise-issued benefits fees, enterprise-to-enterprise prepaid fees, enterprise customer incentive fees, and the like.
From the above description, it can be seen that the following technical effects are achieved: in the embodiment of the application, a mode of creating a service item is adopted according to the pre-stored digital assets to be sent by an enterprise terminal and the preset interface provided by the bank terminal, and the corresponding prepaid gold in the digital assets to be sent by the enterprise is sent to the service item based on the service item and the pre-opened first digital wallet, so that the technical problem that whether the prepaid gold is sent to the first digital wallet or not is determined according to the processing result of the bank terminal on the corresponding prepaid gold in the digital assets to be sent by the enterprise for service is solved, and the technical effect of effectively managing the prepaid gold by the enterprise is achieved, and the technical problem that the enterprise cannot manage and send the prepaid gold for welfare of the served side well is solved.
As a preference in this embodiment, the method further comprises: monitoring whether the service item is expired; if the service item is monitored to be expired, recovering the prepaid gold in the first digital wallet and returning the balance in the prepaid gold to a second digital wallet pre-opened by the enterprise terminal, wherein the second digital wallet is an enterprise-specific account which is opened by the enterprise terminal at the bank terminal and is used for specially managing the prepaid gold; and determining whether the balance in the prepaid gold is recovered to the second digital wallet according to the processing result of the bank end for returning the balance to the second digital wallet pre-opened by the enterprise end.
In practice, in addition to the issuing management of the prepaid fee, the periodic recovery of the prepaid fee is performed according to the service item's expiration date. The successful payment bank transfers the fee from the digital wallet to the account dedicated funds account of the platform enterprise, and after the service period is finished, the enterprise can extract the balance of the account dedicated funds for other use.
Monitoring whether the service item is expired at a background server, if so, reclaiming the prepaid fee in the first digital wallet and returning the balance in the prepaid fee to a second digital wallet pre-opened by the enterprise terminal, wherein actual execution is executed by the bank terminal, and the background server is used for managing and determining whether to reclaim the prepaid fee of the enterprise service.
Unlike digital assets in the related art, which are typically not recoverable, the prepaid funds of the enterprise service in embodiments of the present application have a recovery mechanism to provide transaction security for the prepaid funds.
Further, since the background server monitors whether the service item is expired, the enterprise side does not need to actually manage the prepaid fee or explicitly know that the enterprise service platform will be periodically recycled.
It will be appreciated that the reclamation operation is performed by the backend server according to rules agreed upon with the enterprise end, and includes, but is not limited to: and the expiration is not recovered, is recovered to the enterprise service platform, and is recovered to the enterprise side.
Specifically, if the situation of recovering to the enterprise end is determined that the balance in the prepaid gold has been recovered to the second digital wallet, the batch recovery processing status of the balance in the second digital wallet is recorded. The situation of recycling to the enterprise service platform is similar, but the enterprise service platform is required to create the enterprise wallet account at the bank end.
If it is an expiration non-recycling condition, remain in the first digital wallet. But cannot purchase or redeem service goods at the enterprise service platform due to expiration of the service item.
It should be noted that the second digital wallet herein is an enterprise-specific account opened at the bank end for exclusively managing the prepaid gold. That is, the bank end supervises the second digital wallet and belongs to the enterprise end.
Preferably, the enterprise may store prepaid Jin Yuxian in the second digital wallet.
Further, the background server determines whether the balance in the prepaid gold is recovered to the second digital wallet according to the processing result of the bank end for returning the balance to the second digital wallet pre-opened by the enterprise end, that is, whether the balance in the prepaid gold is not used for other purposes or has other risks. Since the balance is recovered to the second digital wallet, and the bank end supervises the second digital wallet and belongs to the enterprise end, the security of the prepaid Jin Cunfang in the second digital wallet can be ensured.
Illustratively, the prepaid funds of the enterprise-side user that have not redeemed/used the service good are all automatically eventually transferred back into the enterprise's second digital wallet. And the service-receiving party at the enterprise end actually consumes more commodity service in the enterprise service platform, so that the corresponding prepaid fee (within the service limit of the service-receiving party) is used more fully. Funds not redeemed/used for the service good are eventually all automatically transferred back to the enterprise's funds account. And the amount of service commodity is consumed, and the corresponding amount of funds is used, so that the funds of the enterprise are fully utilized.
As a preferred embodiment, the determining whether the prepaid fee is issued to the first digital wallet according to the processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service includes: and determining whether the prepaid gold in the second digital wallet is issued to the first digital wallet according to a batch issuing processing result of the prepaid gold in the second digital wallet, which is based on the prepaid gold in the second digital wallet, on the basis of the prepaid gold in the digital wallet, and the corresponding prepaid gold in the digital asset to be issued by the enterprise for service, wherein the second digital wallet comprises at least one and the first digital wallet comprises a plurality of digital wallets.
In the implementation, the background server receives a batch release processing result of the prepaid gold corresponding to the digital assets to be released for service by the enterprise based on the prepaid gold in the second digital wallet, and then the background server determines whether the prepaid gold in the second digital wallet is released to the first digital wallet.
It should be noted that, in the above process, by calling the relevant interface through the background server of the enterprise service platform, the bank end can issue the prepaid fee corresponding to the digital asset to be issued by the enterprise for service in batches based on the prepaid fee in the second digital wallet. For example, a batch issue related interface is invoked.
In addition, by determining whether prepaid funds in the second digital wallet are issued to the first digital wallet, enterprise service prepaid funds can be effectively tracked, ensuring security of the overall process.
Preferably, the second digital wallet comprises at least one, and the first digital wallet comprises a plurality. That is, the second digital money is taken as the exclusive account of the enterprise and only one, and the first digital wallet is taken as the personal exclusive account of the served party of the enterprise and can be taken as one for each served party, so that the first digital wallet comprises a plurality of served parties.
As a preference in this embodiment, if it is determined that the balance in the prepaid gold has been recovered to the first digital wallet according to the batch recovery processing status of the second digital wallet returned by the bank end, the batch recovery processing status of the balance in the second digital wallet is recorded.
In the implementation, in the background server, according to the batch recycling processing state of the second digital wallet returned by the bank end, whether the balance in the prepaid gold is recycled to the first digital money is determined.
In addition, the flow direction of the prepaid gold can be tracked and monitored at the enterprise service platform by recording the batch recycling processing state of the balance in the second digital wallet, and then the prepaid gold can be used for checking with the enterprise terminal.
It will be appreciated that the backend server performs reclamation operations according to rules agreed with the enterprise end, and that the reclamation operations include, but are not limited to: and the expiration is not recovered, is recovered to the enterprise service platform, and is recovered to the enterprise side.
Specifically, if the situation of recovering to the enterprise end is determined that the balance in the prepaid gold has been recovered to the second digital wallet, the batch recovery processing status of the balance in the second digital wallet is recorded. The situation of recycling to the enterprise service platform is similar, but the enterprise service platform is required to create the enterprise wallet account at the bank end.
If it is an expiration non-recycling condition, remain in the first digital wallet. But cannot purchase or redeem service goods at the enterprise service platform due to expiration of the service item.
As a preference in this embodiment, if the service item is monitored to be unexpired and it is determined that the prepaid fee has been issued to the first digital wallet, the use of the prepaid fee is completed by purchasing a service commodity at an enterprise service platform using the prepaid fee in the first digital wallet.
In particular, if the service item is monitored to be unexpired and the prepaid fee is determined to have been issued to the first digital wallet, the served party at the enterprise end may purchase a service commodity at an enterprise service platform by using the prepaid fee in the first digital wallet to complete the use of the prepaid fee.
As a preference in this embodiment, the issuing, to the service item, a corresponding prepaid fee in a digital asset to be issued by the enterprise for service based on the service item and a pre-opened first digital wallet, where the pre-opened first digital wallet is a personal-specific account created at the bank end by a served party for each available enterprise service of the enterprise, includes: and creating a corresponding activity item at the bank end based on the service item, and issuing a corresponding prepaid fee in the digital asset to be issued by the enterprise for service to the service item of the personal exclusive account created by the bank end through the activity item at the bank end.
In the implementation, the background server creates a corresponding activity item at the bank end by calling a related interface based on the service item, and then issues a corresponding prepaid fee in the digital asset to be issued for service by the enterprise to the service item of the personal exclusive account created by the server at the bank end through the activity item at the bank end.
Illustratively, the served party at the enterprise terminal participates in the activity item at the bank terminal, and the background server issues the corresponding prepaid fee in the digital asset to be issued by the enterprise for service to the service item of the enterprise-specific account created at the bank terminal through the interface at the bank terminal. For example, a consumer's red envelope of a specified amount is issued for a specified enterprise-specific account at a specified activity, and then prepaid fees in the enterprise-specific account are transferred to the individual-specific account of the served party on a per-pass basis.
As a preferred embodiment of the present invention, the creating a service item according to a digital asset to be issued for service by an enterprise submitted by a pre-stored enterprise terminal and a preset interface provided by the bank terminal includes: and creating the first digital wallet and/or issuing prepaid fee to an interface of the first digital wallet in batches according to the service effective period, the information of the served party, the benefit limit to be issued by each served party and the preset batch provided by the bank end in the digital asset submitted by the prestored enterprise end, and creating the service item corresponding to the prepaid fee of the enterprise service.
When the service item is created, the interface of the first digital wallet is created according to the service effective period, the information of the served party, the service limit to be sent by each served party and the preset batch provided by the bank end in the digital asset to be sent for service by the enterprise submitted by the prestored enterprise end, and the service item corresponding to the prepaid fee of the enterprise service is created. And creating the service items corresponding to the prepaid funds of the enterprise service by creating the first digital wallets in batches. I.e. the service items corresponding to prepaid funds at the enterprise service are established by mass creating the first digital wallet.
Further, when the service item is created, the service item corresponding to the prepaid fee of the enterprise service is created according to the service effective period, the information of the served party, the service amount to be issued by each served party and the interface provided by the bank end for issuing the prepaid fee to the first digital wallet in batches in the digital asset to be issued by the enterprise submitted by the pre-stored enterprise end. By issuing prepaid funds in bulk to the first digital wallet, the service item corresponding to the prepaid funds for the enterprise service is created. I.e. the service items corresponding to the prepaid funds of the enterprise service are established in a manner that mass-distributes prepaid funds to the first digital wallet.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.
There is also provided, in accordance with an embodiment of the present application, a prepaid gold processing unit 200 for implementing the method, as shown in fig. 2, applied to a background server of an enterprise service platform, where the background server is configured to process prepaid gold of public-to-public traffic in an enterprise service, and the unit includes:
The creation module 210 is configured to create a service item according to a digital asset to be sent for service by an enterprise submitted by a pre-stored enterprise end and a preset interface provided by the bank end;
a issuing module 220, configured to issue, to the service item, a corresponding prepaid fee in a digital asset to be issued by the enterprise for service based on the service item and a first pre-opened digital wallet, where the first pre-opened digital wallet is a personal dedicated account created at the bank end by a served party that can obtain enterprise services for each of the enterprises;
a determining module 230, configured to determine whether the prepaid gold is issued to the first digital wallet according to a result of processing, by the bank end, of a corresponding prepaid gold in the digital asset to be issued by the enterprise for service.
In the creation module 210 of the embodiment of the present application, the digital assets submitted by the enterprise end and to be sent for service by the enterprise are pre-stored in the background server, and it can be understood that the digital assets to be sent for service by the enterprise include, but are not limited to, a list of served parties that the enterprise is to send for service, and a corresponding service amount obtained by each served party, etc.
The bank side provides a preset interface including, but not limited to, an interface for issuing or retrieving the prepaid gold. Through the preset interface provided by the bank end, the background server can realize the calling of related interface functions, and the specific implementation process is not repeated.
Illustratively, at least one service item is created on the enterprise service platform according to the digital assets submitted by the pre-stored enterprise terminal and to be sent for service by the enterprise and the preset interface provided by the bank terminal, and the service item can provide enterprise service for the served party of the enterprise terminal in a specified or appointed period.
It should be noted that, by creating the service item, the service capability of the enterprise service platform is associated and bound with the user (served party) of the enterprise terminal.
The issuing module 220 in this embodiment of the present application may then issue, at the background server, a corresponding prepaid fee in the digital asset to be issued by the enterprise for service to the service item based on the service item and the first digital wallet (opened at the bank end) opened in advance. That is, by the association relationship established by the service item, the function of issuing the corresponding prepaid fee in the digital asset for service to be issued by the enterprise can be realized only by issuing the corresponding prepaid fee in the digital asset for service to be issued by the enterprise to the service item.
It should be noted that the pre-opened first digital wallet is a personal dedicated account created at the bank end for each served party of the enterprise that can obtain enterprise services. It will be appreciated that the individual-specific account created at the banking end may be created at the banking end by an enterprise end for a served party or created at the banking end by the enterprise service platform instead of for a served party.
Finally, in the determining module 230 of the embodiment of the present application, the processing result of the bank end on the corresponding prepaid gold in the digital assets to be sent by the enterprise for service is received at the background server, and whether the prepaid gold is sent to the first digital wallet is determined according to the processing result.
Through the steps, before the served party at the enterprise side purchases/exchanges the service, the prepaid gold related in the whole link flows only in the special fund account at the enterprise side and the first digital wallet of the served side and cannot pass through the account of the enterprise service platform.
Meanwhile, the prepaid fee corresponding to the service obtained by the served party at the enterprise end can be stored in the first digital wallet and is attributed to the served party. And not one of the enterprise service services platforms, nor will the benefit, subsidy, fee, equity corresponding prepaid fee be lost as a result of the lack of purchase or redemption of the service. In addition, the prepaid fee is responsible for completion and supervision by a digital currency system at the bank end, and is safe and reliable.
It will be apparent to those skilled in the art that the modules or steps of the application described above may be implemented in a general purpose computing device, they may be centralized on a single computing device, or distributed across a network of computing devices, or they may alternatively be implemented in program code executable by computing devices, such that they may be stored in a memory device and executed by computing devices, or individually fabricated as individual integrated circuit modules, or multiple modules or steps within them may be fabricated as a single integrated circuit module. Thus, the present application is not limited to any specific combination of hardware and software.
To better illustrate the prepaid gold processing method in the present application, fig. 3 and 4 are timing diagrams of the prepaid gold processing method according to an embodiment of the present application, which mainly include: the enterprise terminal, the bank terminal and the enterprise service platform comprise the following specific implementation processes:
s1, after the enterprise terminal cooperates with the enterprise service platform, the enterprise terminal opens a special fund account for the service item at the bank terminal, and the fund of the purchased service commodity is added into the special fund account at the bank terminal. I.e. the enterprise side deposits the prepaid funds of the purchased service item into the dedicated funds account.
And creating a service item according to the pre-stored digital assets to be sent for service by the enterprises submitted by the enterprise terminals and the preset interface provided by the bank terminals.
S2, the bank end opens relevant interfaces to the platform and completes system butt joint. The enterprise service platform creates a digital wallet for a served party of an enterprise through an interface of a bank, and transfers service item money in an enterprise fund account to a personal exclusive service item wallet of the served party of the enterprise one by one. All funds are now also attributed to the business and its served. That is, the served party at the enterprise end only purchases/uses the service commodity by the enterprise service platform, and the bank can transfer the amount consumed to the account of the enterprise service platform when selecting to pay by using the balance in the digital wallet of the bank.
And issuing corresponding prepaid fees in the digital assets to be issued for service by the enterprise to the service item based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a personal exclusive account created at the bank end for each served party of the enterprise that can obtain enterprise service.
S3, the bank end provides the enterprise service platform with the specification documents and access parameters related to the payment system, and interface functions include, but are not limited to, batch wallet creation and batch wallet transfer. The enterprise side provides the list of served parties and the amount of the service items to the platform. The enterprise terminal invokes relevant interfaces of the bank, opens digital wallets for the enterprise served side in batches, and sends service item money to the digital wallets.
And determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service. When the service provider purchases/uses the service commodity of the enterprise service platform, the enterprise side is provided with a bank digital wallet for payment, and the bank successfully pays the fee from the digital wallet to the enterprise account of the enterprise service platform.
Before purchasing the service commodity, the funds involved in the whole link only circulate in the special funds account of the enterprise and the digital wallet of the served party, and cannot pass through the account of the enterprise service platform. Benefits, subsidies, fees and equity fees obtained by the served party at the enterprise end are stored in the digital wallet, are really self-owned and are not an account in the enterprise service platform, and the benefits, subsidies, fees and equity fees cannot be lost because service commodities are not purchased. And all links related to funds transfer are responsible for completion and supervision by the digital currency system at the bank end, so that the method is safe and reliable enough.
And S4, when the service provider purchases the service commodity for payment on the platform, the enterprise selects to pay by using the balance in the digital wallet of the bank, and after the payment is completed, the bank can transfer the amount consumed by the enterprise to the platform account.
If the benefit in the digital wallet expires due to the absence or forgetting of the served party, the enterprise service platform invokes the bank interface system to transfer back again to the enterprise's funds-specific account. After the balance of the benefits, subsidies, fees and equity funds left in the digital wallet of the served side expires, the enterprise service platform calls the bank interface system to be repeatedly transferred back to the funds special account of the enterprise side. In addition, if the remaining service item funds in the proprietary account of the enterprise are no longer used, the enterprise may withdraw the remaining funds.
The benefits, subsidies, fees and equity funds which are not used by the served party for various reasons can be automatically returned to the fund account of the enterprise, the balance of the benefits of the served party can be automatically returned to the fund account of the enterprise, and the enterprise can also have the right to transfer away the unused part of the fund exclusive account.
Embodiments of the present application also provide a storage medium having a computer program stored therein, wherein the computer program is arranged to perform the steps of any of the method embodiments described above when run.
Alternatively, in the present embodiment, the above-described storage medium may be configured to store a computer program for performing the steps of:
s1, creating a service item according to a digital asset to be issued for service by an enterprise submitted by a prestored enterprise end and a preset interface provided by the bank end;
s2, issuing corresponding prepaid fees in digital assets to be issued for service by the enterprise to the service item based on the service item and a first pre-opened digital wallet, wherein the first pre-opened digital wallet is a personal exclusive account created at the bank end for each served party capable of obtaining enterprise service of the enterprise;
s3, determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
Alternatively, in the present embodiment, the storage medium may include, but is not limited to: a usb disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing a computer program.
Embodiments of the present application also provide an electronic device comprising a memory having stored therein a computer program and a processor arranged to run the computer program to perform the steps of any of the method embodiments described above.
Optionally, the electronic apparatus may further include a transmission device and an input/output device, where the transmission device is connected to the processor, and the input/output device is connected to the processor.
Alternatively, in the present embodiment, the above-described processor may be configured to execute the following steps by a computer program:
s1, creating a service item according to a digital asset to be issued for service by an enterprise submitted by a prestored enterprise end and a preset interface provided by the bank end;
s2, issuing corresponding prepaid fees in digital assets to be issued for service by the enterprise to the service item based on the service item and a first pre-opened digital wallet, wherein the first pre-opened digital wallet is a personal exclusive account created at the bank end for each served party capable of obtaining enterprise service of the enterprise;
s3, determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
Alternatively, specific examples in this embodiment may refer to examples described in the foregoing embodiments and optional implementations, and this embodiment is not described herein.
The foregoing description is only of the preferred embodiments of the present application and is not intended to limit the same, but rather, various modifications and variations may be made by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principles of the present application should be included in the protection scope of the present application.

Claims (10)

1. A prepaid fee processing method, applied to a background server of an enterprise service platform, the background server configured to process prepaid fee for public-to-public traffic in enterprise services, the method comprising:
creating a service item according to digital assets to be sent for service by an enterprise submitted by an enterprise terminal and a preset interface provided by a bank terminal;
issuing a corresponding prepaid fee in digital assets to be issued for service by the enterprise to the service item based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a personal exclusive account created at the bank end for each served party of the enterprise that can obtain enterprise service;
And determining whether the prepaid fee is issued to the first digital wallet according to a processing result of the bank end on the corresponding prepaid fee in the digital assets to be issued by the enterprise for service.
2. The method according to claim 1, wherein the method further comprises:
monitoring whether the service item is expired;
if the service item is monitored to be expired, recovering the prepaid gold in the first digital wallet and returning the balance in the prepaid gold to a second digital wallet pre-opened by the enterprise terminal, wherein the second digital wallet is an enterprise-specific account which is opened by the enterprise terminal at the bank terminal and is used for specially managing the prepaid gold;
and determining whether the balance in the prepaid gold is recovered to the second digital wallet according to the processing result of the bank end for returning the balance to the second digital wallet pre-opened by the enterprise end.
3. The method of claim 2, wherein the determining whether the prepaid gold is issued to the first digital wallet based on the processing result of the corresponding prepaid gold in the digital assets to be issued by the enterprise for service by the bank end comprises:
And determining whether the prepaid gold in the second digital wallet is issued to the first digital wallet according to a batch issuing processing result of the prepaid gold in the second digital wallet based on the prepaid gold in the second digital wallet by the bank end, wherein the second digital wallet comprises at least one and the first digital wallet comprises a plurality of digital wallets.
4. The method according to claim 2, wherein if it is determined that the balance in the prepaid gold has been recovered to the second digital wallet based on the batch recovery processing status of the second digital wallet returned from the banking side, the batch recovery processing status of the balance in the second digital wallet is recorded.
5. The method of claim 1, wherein if the service item is monitored as not expiring and the prepaid fee is determined to have been issued to the first digital wallet, purchasing a service commodity at an enterprise service platform using the prepaid fee in the first digital wallet, completing use of the prepaid fee.
6. The method of claim 1, wherein the issuing of the corresponding prepaid fee in the digital assets to be placed for service by the enterprise to the service item is based on the service item and a pre-opened first digital wallet, wherein the pre-opened first digital wallet is a person-specific account created at the bank side for each serviced party that can obtain enterprise services for the enterprise, comprises:
Creating a corresponding activity item at the bank end based on the service item, and issuing a corresponding prepaid fee in a digital asset to be issued by the enterprise for service to the service item of the personal exclusive account created by the served party at the bank end through the activity item at the bank end, wherein the digital asset for service at least comprises one of the following steps: benefits of enterprise release, prepaid enterprise to enterprise, customer incentive for enterprise.
7. The method of claim 1, wherein creating the service item based on the pre-stored digital assets submitted by the enterprise terminal and the preset interface provided by the bank terminal, comprises:
and presetting a batch creation of the first digital wallet and/or a batch issuing of prepaid fee to an interface of the first digital wallet according to a service valid period, information of a served party, benefits to be issued by each served party, subsidies, fees, rights and interests in the digital asset submitted by a prestored enterprise terminal and the interface provided by the bank terminal, and creating the service item corresponding to the prepaid fee of the enterprise service.
8. A prepaid gold processing apparatus for use with a background server of an enterprise service platform for processing prepaid gold for public-to-public traffic in an enterprise service, the apparatus comprising:
the creation module is used for creating service items according to digital assets to be sent for service by enterprises submitted by the enterprise end and preset interfaces provided by the bank end;
the issuing module is used for issuing corresponding prepaid fees in the digital assets to be issued for service to the enterprise based on the service item and a first pre-opened digital wallet, wherein the first pre-opened digital wallet is a personal exclusive account which is created at the bank end by a server side for each available enterprise service of the enterprise;
and the determining module is used for determining whether the prepaid gold is issued to the first digital wallet according to the processing result of the bank end on the corresponding prepaid gold in the digital assets to be issued by the enterprise for service.
9. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions which, when executed, cause the processor to perform the method of any of claims 1 to 7.
10. A computer readable storage medium storing one or more programs, which when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of any of claims 1-7.
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