CN117422455A

CN117422455A - Prepaid fund management method, device and system based on digital currency

Info

Publication number: CN117422455A
Application number: CN202210809405.4A
Authority: CN
Inventors: 穆长春; 吕远; 祁同飞; 张明明; 蒙晓; 刘金浩
Original assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Current assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Priority date: 2022-07-11
Filing date: 2022-07-11
Publication date: 2024-01-19

Abstract

The invention discloses a prepaid fund management method, device and system based on digital currency, and relates to the technical field of digital currency. One embodiment of the method comprises the following steps: receiving a card withdrawal request of the prepaid card, wherein the card withdrawal request indicates a prepaid card identification and card withdrawal information of the card to be withdrawn; determining a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the card withdrawal request; the intelligent contract sub-wallet is arranged in a merchant operation mechanism and binds intelligent contracts of the prepaid cards; and sending the card withdrawal information to the prepaid card intelligent contract for verification, generating second digital currency according to the card withdrawal information and the first digital currency after the prepaid card intelligent contract passes the verification, and storing the second digital currency in a first digital currency wallet of the user. The embodiment improves the transaction safety of the prepaid card, and is beneficial to guaranteeing the rights and interests of users.

Description

Prepaid fund management method, device and system based on digital currency

Technical Field

The present invention relates to the field of digital currency technologies, and in particular, to a method, an apparatus, and a system for prepaid funds management based on digital currency.

Background

Prepaid cards have become increasingly widely used in everyday life as prepaid vouchers for merchants (e.g., online sellers and offline merchants, etc.) to offer users specific goods or services.

In the existing prepaid card usage scenario, the money paid in advance by the user is directly stored in the prepaid card, and the merchant can use the money in the prepaid card to conduct other transactions (such as cash withdrawal and transfer, etc.), which may lead to the money paid in advance by the user being stolen, even if the merchant only pays and does not provide service, which reduces the transaction security of the prepaid card and makes it difficult to guarantee the user's rights.

Disclosure of Invention

In view of this, an embodiment of the present invention provides a method, an apparatus, and a system for managing prepaid funds based on digital currency, in which a smart contract for a prepaid card is signed in advance by a merchant operating mechanism and a target merchant, and a smart contract sub-wallet corresponding to the target prepaid card is set in the merchant operating mechanism, and a first digital currency corresponding to the target prepaid card is stored in the smart contract sub-wallet. The first digital currency stored in the smart contract sub-wallet does not belong to the target merchant, so that the target merchant cannot steal the first digital currency in advance. When the user needs to withdraw the card or cancel the prepaid card due to expiration of the prepaid card or improper business operation of the merchant, the user or the merchant can initiate a card withdrawal request, generate second digital currency corresponding to the withdrawn amount according to the first digital currency, and store the second digital currency in a first digital currency wallet of the user so as to return unused digital currency in the target prepaid card to the user, thereby improving the transaction safety of the prepaid card and being beneficial to guaranteeing the rights and interests of the user.

And the intelligent contract sub-wallet is arranged in the merchant operation mechanism, so that the merchant can communicate with the corresponding operation mechanism directly, the prepaid card intelligent contract can be conveniently deployed, and the first digital currency in the intelligent contract sub-wallet can be conveniently stored into the financial account through the same operation mechanism, so that the merchant equity can be improved.

To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a prepaid funds management method based on digital currency.

The prepaid fund management method based on digital currency of the embodiment of the invention can be applied to a merchant operation mechanism and comprises the following steps: receiving a card withdrawal request of a prepaid card corresponding to prepaid funds, wherein the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

determining a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the card withdrawal request; the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet, and the intelligent contract sub-wallet is arranged in the merchant operation mechanism and binds the intelligent contract of the prepaid card;

And sending the card withdrawal information to the prepaid card intelligent contract for verification, generating second digital currency according to the card withdrawal information and the first digital currency after the prepaid card intelligent contract passes the verification, and storing the second digital currency in a first digital currency wallet of a user.

Optionally, calculating the card withdrawal amount according to the card withdrawal configuration information and the first digital currency; and generating the second digital currency corresponding to the card withdrawal amount.

Optionally, the card withdrawal configuration information is pre-configured in the prepaid card smart contract; and/or the number of the groups of groups,

the card withdrawal request carries the card withdrawal configuration information.

Optionally, the card withdrawal configuration information includes: card withdrawal proportion or card withdrawal limit.

Optionally, the card withdrawal information indicates a card withdrawal amount; the step of sending the card withdrawal information to the smart contract of the prepaid card for verification comprises the following steps:

calculating card withdrawal amount according to card withdrawal configuration information pre-configured by the intelligent contract of the prepaid card;

checking whether the card withdrawal amount indicated by the card withdrawal information is consistent with the card withdrawal amount calculated by the card withdrawal configuration information.

Optionally, the card withdrawal information indicates a card withdrawal reason, and the sending the card withdrawal information to the smart contract of the prepaid card for verification includes:

And checking whether the card withdrawal reason indicated by the card withdrawal request is consistent with the card withdrawal reason indicated by the smart contract of the prepaid card.

Optionally, in a case that the card withdrawal reason is a user reason, the generating a second digital currency according to the card withdrawal information and the first digital currency includes:

generating card withdrawal application information according to the card withdrawal request, and sending the card withdrawal application information to a user side, wherein the card withdrawal application information indicates card withdrawal audit time limit;

and determining that audit feedback information of the card withdrawal application information sent by the user terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates that the card withdrawal request is approved, and generating the second digital currency according to the card withdrawal information indicated by the intelligent contract and the first digital currency.

Optionally, in the case that the card withdrawal reason is a merchant reason, the generating a second digital currency according to the card withdrawal information and the first digital currency includes:

generating card withdrawal application information according to the card withdrawal request, and sending the card withdrawal application information to a merchant terminal corresponding to the target merchant, wherein the card withdrawal application information indicates card withdrawal auditing time limit;

And determining that audit feedback information of the card withdrawal application information sent by the merchant terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates that the card withdrawal request is approved, and generating the second digital currency according to the card withdrawal information indicated by the intelligent contract and the first digital currency.

Optionally, before storing the second digital currency in the first digital currency wallet of the user, the method includes: receiving a user wallet determining instruction, and determining the first digital currency wallet according to the user wallet determining instruction;

and/or the number of the groups of groups,

the prepaid card smart contract determines the first digital currency wallet.

Optionally, the target prepaid card is generated from digital currency in a second digital currency wallet, the first digital currency wallet corresponding to a different user than the second digital currency wallet.

Optionally, the target prepaid card is generated from digital currency in the first digital currency wallet.

Optionally, the method further comprises:

correspondingly storing a prepaid card identification of the target prepaid card, any one or more of the following: the usage record, the recharge record, the return record and the card return record of the target prepaid card.

Optionally, the method further comprises:

and sending the prepaid card identification and the record information to a client background so that the client background pushes the record information to a client corresponding to the target user information according to the binding relation between the target prepaid card and the target user information.

Optionally, the difference between the first digital currency and the second digital currency is stored in a merchant digital currency wallet corresponding to the target merchant.

Optionally, before receiving a card withdrawal request of a prepaid card, transferring the first digital currency in the smart contract sub-wallet to a financial account according to the prepaid card smart contract;

the generating the second digital currency corresponding to the card withdrawal amount further includes:

transferring digital currency corresponding to the card withdrawal amount from the financial account to the smart contract sub-wallet;

the second digital currency is generated from the digital currency in the smart contract sub-wallet.

Optionally, the card withdrawal request is a cancellation request initiated according to the expiration date and/or merchant status of the target prepaid card.

Optionally, sending the card withdrawal information to the prepaid card smart contract for verification, including:

Checking whether a cancellation condition is met, the status of the first digital money wallet and/or the user's information is complete.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a prepaid funds management apparatus based on digital currency.

The prepaid fund management device based on digital currency of the embodiment of the invention can be applied to a merchant operation mechanism and comprises: a request receiving module, configured to receive a card withdrawal request of a prepaid card corresponding to prepaid funds, where the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

the determining module is used for determining a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the card withdrawal request; the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet, and the intelligent contract sub-wallet is arranged in the merchant operation mechanism and binds the intelligent contract of the prepaid card;

and the card withdrawing module is used for sending the card withdrawing information to the prepaid card intelligent contract for verification, generating second digital currency according to the card withdrawing information and the first digital currency after the prepaid card intelligent contract confirms that the verification is passed, and storing the second digital currency in a first digital currency wallet of a user.

To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a prepaid funds management system based on digital currency.

A prepaid funds management system based on digital currency according to an embodiment of the invention includes: a prepaid funds management device and merchant terminal based on digital currency provided in any of the embodiments of the second aspect above; wherein,

and the merchant terminal is used for sending a card withdrawal request to the management device according to the generated prepaid card corresponding to the prepaid funds, wherein the card withdrawal request indicates the prepaid card identification and card withdrawal information of the card to be withdrawn.

Optionally, the system further comprises: the client and the client background; wherein,

the user side is used for sending a card withdrawal request to the background of the user side according to the generated prepaid card, wherein the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

the client background is used for sending the card returning request to the management device.

Optionally, the management device is configured to store the prepaid card identifier and any one or more of the following in a corresponding manner: the use record, recharging record, returning record and card returning record of the target prepaid card; the prepaid card identification and the record information are sent to a background of the user;

The user terminal background is used for pushing the record information to the user terminal corresponding to the target user information according to the binding relation between the target prepaid card and the target user information.

Optionally, the merchant side is further configured to record management information of the target prepaid card, where the management information indicates any one or more of the following: the payment password of the target prepaid card, the setting end of the payment password, the management end of the target prepaid card, the responsibility end of the invalid transaction corresponding to the target prepaid card and the use certificate information of the target prepaid card; wherein the usage credential information includes: rights items, rights usage patterns, and/or rights remaining amount.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided an electronic device for managing prepaid funds based on digital currency.

An electronic device for managing prepaid funds based on digital currency according to an embodiment of the invention includes: one or more processors; and a storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a digital currency based prepaid funds management method in accordance with embodiments of the invention.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a computer-readable storage medium.

A computer readable storage medium of an embodiment of the present invention has stored thereon a computer program which, when executed by a processor, implements a prepaid funds management method based on digital currency of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: the smart contract for the prepaid card is pre-signed by the merchant operator with the target merchant, and a smart contract sub-wallet corresponding to the target prepaid card is set in the merchant operator, and the first digital currency corresponding to the target prepaid card is stored in the smart contract sub-wallet. The first digital currency stored in the smart contract sub-wallet does not belong to the target merchant, so that the target merchant cannot steal the first digital currency in advance. When the user needs to withdraw the card or cancel the prepaid card due to expiration of the prepaid card or improper business operation of the merchant, the user or the merchant can initiate a card withdrawal request, generate second digital currency corresponding to the withdrawn amount according to the first digital currency, and store the second digital currency in a first digital currency wallet of the user so as to return unused digital currency in the target prepaid card to the user, thereby improving the transaction safety of the prepaid card and being beneficial to guaranteeing the rights and interests of the user.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main steps of a digital currency based prepaid funds management method in accordance with embodiments of the invention;

FIG. 2 is a schematic diagram of the main steps of a method for generating a digital currency based prepaid card according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of the main steps of a method for deregistering a prepaid card based on digital currency according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the major modules of a digital currency-based prepaid funds management device in accordance with embodiments of the invention;

FIG. 5 is a schematic diagram of the major modules of a digital currency-based prepaid funds management system in accordance with embodiments of the invention;

FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments of the present invention and the technical features in the embodiments may be combined with each other without collision.

The following first explains nouns in the embodiments of the present invention:

merchants refer to issuers of prepaid cards and are also providers of goods or services for users.

The merchant operation mechanism refers to an operation mechanism that provides prepaid card services for merchants.

The user operator refers to an operator of a wallet for payment by a user when purchasing prepaid cards. The user operation mechanism and the merchant operation mechanism can be the same mechanism or different mechanisms.

The user refers to the individual purchasing the prepaid card, and the user can communicate with the user operating mechanism through his user terminal (mobile phone or PC, etc.).

The smart contract sub-wallet, the prepaid card smart contract is bound to be executed on the sub-wallet, and the sub-wallet ID is associated with the user's prepaid card ID one by one. The smart contract sub-wallet is open at the merchant operator but is of the user, and the user opens the sub-wallet at the merchant operator does not mean that the user needs to open the mother wallet at the merchant operator. The digital currency in the smart contract sub-wallet does not belong to the target merchant until the user completes the consumption in the target merchant.

The prepaid digital currency refers to digital currency which is transferred into the smart contract sub-wallet by a user in advance before actual consumption, and the transfer of the prepaid digital currency is controlled by the smart contract and does not belong to a merchant before the consumption.

The target prepaid card refers to rights record vouchers issued by merchants when providing various types of prepaid consumers.

The equity amount refers to the account balance of the merchant that records equity information for the user in a "monetary" manner based on internal billing and marketing requirements. If the charge 100 is from the pay-off pre-paid account of the charge 100, a 200-element balance is displayed, which is not equivalent to the digital RMB.

The financial account refers to an account opened in the merchant operation mechanism or a financial platform, and after the user is authorized, the merchant operation mechanism realizes the financial service of the intelligent contract sub-wallet through the financial account.

The user terminal background receives the prepaid card information synchronized by the merchant operation mechanism through the prepaid fund management module and supports the front end to display the prepaid card list and the basic list elements.

The merchant is expanded and managed by the corresponding merchant operation mechanism, the digital currency pre-paid by the user is stored in an intelligent contract sub-wallet of the merchant operation mechanism, and the digital currency is stored or transferred according to a pre-paid fund service agreement, wherein the storing or transferring is controlled by a pre-paid card intelligent contract to perform corresponding operation. The merchant operating mechanism provides digital currency prepaid card service for merchants, and needs to sign prepaid funds service agreement with merchants and deploy prepaid card intelligent contracts. The merchant operation mechanism can check the transaction amount, the state of the sub-wallet of the intelligent contract and the like through the intelligent contract of the prepaid card, the merchant operation mechanism can support unilateral card withdrawal of a user, the merchant operation mechanism can also support the user to inquire the rights and interests residual amount and related transaction records in the prepaid card, and if the user has a question about the deduction operation of the merchant, the merchant operation mechanism can coordinate and solve the problems.

When a user consumes, the user can initiate a use request through a merchant end (such as a merchant applet), and the merchant operation mechanism can execute a consumption flow based on the smart contract of the prepaid card so as to transfer digital currency corresponding to the transaction amount from the financial account to the merchant digital currency wallet through the smart contract sub-wallet. When the user needs to recharge the prepaid card, the user can initiate a recharging request through the user end or the merchant end, the successfully recharged amount is automatically transferred to the intelligent contract sub-wallet, and the money-charging account can be further transferred from the intelligent contract sub-wallet. The refund refers to the user applying refund for a certain transaction. If refund occurs after the user negotiates with the merchant, the merchant operating mechanism can return the corresponding digital currency from the merchant digital currency wallet to the intelligent contract sub-wallet and can further transfer the corresponding digital currency from the intelligent contract sub-wallet to the financial account. In addition, when the user needs to withdraw the card, the removable quota can be removed. For example, if the user unilaterally initiates a card withdrawal, the merchant operating mechanism credits digital money from the financial account to the smart contract sub-wallet and back to the user digital money wallet. Or if the user and the merchant negotiate the back card, the merchant can initiate the card back request. In addition, if the prepaid card needs to be logged out due to the condition that the card is due or the business is poorly operated, the digital currency can also return to the intelligent contract sub-wallet from the financial account and then return to the user digital currency wallet.

Fig. 1 is a schematic diagram of the main steps of a prepaid funds management method based on digital currency according to an embodiment of the invention.

As shown in fig. 1, a prepaid funds management method based on digital currency according to an embodiment of the present invention may be applied to a merchant operating institution, and mainly includes the following steps:

step S101: a card withdrawal request of a prepaid card corresponding to the prepaid funds is received, the card withdrawal request indicating a prepaid card identification and card withdrawal information for a card to be withdrawn.

Step S102: determining a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the card withdrawal request; the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet, and the intelligent contract sub-wallet is arranged in the merchant operation mechanism and binds the intelligent contract of the prepaid card.

Step S103: and sending the card withdrawal information to the prepaid card intelligent contract for verification, generating second digital currency according to the card withdrawal information and the first digital currency after the prepaid card intelligent contract passes the verification, and storing the second digital currency in a first digital currency wallet of a user.

In the embodiment of the invention, after the user negotiates with the merchant, the merchant initiates the card returning request, or the user initiates the card returning request through the user terminal. After receiving the card withdrawal request, the merchant operating mechanism can verify card withdrawal information according to the intelligent contract of the prepaid card deployed in the merchant operating mechanism. In one embodiment of the present invention, the card withdrawal information indicates a card withdrawal reason, and the prepaid card smart contract verifies whether the card withdrawal reason indicated by the card withdrawal request is identical to the card withdrawal reason indicated by the prepaid card smart contract. For example, if the prepaid card smart contract writes that the card withdrawal reason is expiration of the prepaid card or the merchant stops providing services, then, after receiving the card withdrawal request, the prepaid card smart contract in the merchant operating mechanism can verify whether the card withdrawal reason indicated by the card withdrawal request meets the card withdrawal reason in the smart contract, and if so, the second digital currency is continuously generated according to the card withdrawal request.

If the card withdrawal reason indicated by the card withdrawal request is inconsistent with the card withdrawal reason indicated by the smart contract of the prepaid card, the merchant operating mechanism can directly reject the card withdrawal request, and can also return inconsistent prompt information to the initiating terminal (user terminal or merchant terminal) of the card withdrawal request, and if the initiating terminal of the card withdrawal request supplements the newly negotiated content of the user and merchant, the card withdrawal request can be processed according to the newly negotiated content. For example, when the merchant stops providing the service corresponding to the target prepaid card due to its own cause, the merchant may negotiate additional compensation for the user for a certain amount of money or other preferential service, where the card withdrawal information carried in the card withdrawal request may include the newly negotiated compensation, so that the card withdrawal information carried in the card withdrawal request is not matched with the card withdrawal information indicated by the intelligent contract, where the new protocol may be supplemented by the user side or the merchant side, so that the merchant operating mechanism may continue processing the card withdrawal request.

In one embodiment of the present invention, in a case where the card-withdrawal reason is a user reason, the specific embodiment of step S103 may include: generating card withdrawal application information according to the card withdrawal request, and sending the card withdrawal application information to a user side, wherein the card withdrawal application information indicates card withdrawal audit time limit; and determining that audit feedback information of the card withdrawal application information sent by the user terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates that the card withdrawal request is approved, and generating the second digital currency according to the card withdrawal information indicated by the intelligent contract and the first digital currency.

In this embodiment, if the card withdrawal reason is that the user personal reason withdraws the card, the merchant operating mechanism sends the generated card withdrawal application information to the user side, so that the user side sends the audit feedback information within the card withdrawal audit time limit to determine that the user agrees to the card withdrawal request. After determining that the user agrees to the card withdrawal request, the merchant operating mechanism generates second digital currency of the first digital currency wallet of the user to be withdrawn according to card withdrawal information indicated by the smart contract of the prepaid card and the first digital currency.

In another embodiment of the present invention, in a case where the card-withdrawal reason is a merchant reason, the specific implementation of step S103 may include: generating card withdrawal application information according to the card withdrawal request, and sending the card withdrawal application information to a merchant terminal corresponding to the target merchant, wherein the card withdrawal application information indicates card withdrawal auditing time limit; and determining that audit feedback information of the card withdrawal application information sent by the merchant terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates that the card withdrawal request is approved, and generating the second digital currency according to the card withdrawal information indicated by the intelligent contract and the first digital currency.

In this embodiment, if the card withdrawal reason is the merchant reason, the merchant operating mechanism sends the generated card withdrawal application information to the merchant terminal, so that the merchant terminal sends the audit feedback information within the card withdrawal audit time limit to determine that the merchant agrees to the card withdrawal request. After determining that the merchant agrees to the card withdrawal request, the merchant operating mechanism generates second digital currency of the first digital currency wallet of the user to be withdrawn according to card withdrawal information indicated by the smart contract of the prepaid card and the first digital currency. Here, if the user selects the merchant reason to return the card, the merchant audit is required, and if the merchant is not audited for a certain time (card return audit time limit), the first digital money wallet can be directly returned.

Wherein the first digital money wallet may also be determined in accordance with a prepaid card smart contract. For example, a user's real-name digital money wallet may be written into a prepaid card smart contract and contracted to return to the digital money wallet when the card is withdrawn, and then the first digital money wallet may be determined directly from the prepaid card smart contract when the card is withdrawn. In addition, the first digital money may be determined according to a user wallet-determining instruction. For example, when a user initiates a card withdrawal request through a user terminal, and the account number of the user terminal is bound with a plurality of available digital currency wallets, the user can select a first digital currency wallet serving as a card withdrawal from the plurality of available digital currency wallets, the user terminal can generate a user wallet determination instruction according to the selection, and the user wallet determination instruction is sent to a merchant operating mechanism through the background of the user terminal, so that the merchant operating mechanism determines the first digital currency wallet according to the user wallet determination instruction. In addition, if the original first digital currency wallet is found to be unavailable during card withdrawal, the merchant operation mechanism can prompt the user to modify the first digital currency wallet through the merchant side and/or the user side, and the user can correspondingly generate a user wallet determining instruction when modifying the first digital currency wallet so as to redetermine the first digital currency wallet.

In one embodiment of the invention, the generating of the second digital currency may include: calculating the card withdrawal amount according to the card withdrawal configuration information and the first digital currency; and generating the second digital currency corresponding to the card withdrawal amount. The card withdrawal configuration information is configured in the intelligent contract in advance; and/or, the card withdrawal request carries the card withdrawal configuration information. The card withdrawal configuration information includes: card withdrawal proportion or card withdrawal limit.

The first digital currency is determined according to the deposit management configuration information when being stored in the smart contract sub-wallet. The deposit management configuration information may include a deposit management proportion or a deposit management amount, which may be configured in advance in the smart contract of the prepaid card according to related regulations or agreements of the merchant, the merchant operation mechanism and the user, or may be carried when a request for generating the prepaid card is initiated, and it may be understood that the carried deposit management proportion or deposit management amount may also be agreed in advance by the merchant, the merchant operation mechanism and the user. For example, in the case where the deposit proportion is 80%, if the total amount corresponding to the target prepaid card is 100, the amount of the first digital money stored in the smart contract sub-wallet is 80, so as to avoid the merchant from being stolen in advance. In addition, the digital currency with the amount of 20 is in a usable state and can be directly stored in a money collection purse of a merchant. For another example, in the case where the deposit line is 70, the total amount corresponding to the target prepaid card is still 100, and then the first digital money stored in the smart contract sub-wallet is 70, and the digital money with the amount of 30 is stored in the merchant digital money wallet.

Accordingly, when the card is withdrawn, the withdrawal amount is calculated according to the withdrawal configuration information and the first digital currency, and a second digital currency corresponding to the withdrawal amount is generated. For example, if the card withdrawal configuration information includes a card withdrawal ratio of 80% and the first digital currency amount is 40, the card withdrawal amount may be calculated to be 50, and the second digital currency amount is 50.

In one embodiment of the present invention, the card withdrawal configuration information and the memory management configuration information may not correspond to each other, for example, the card withdrawal configuration information is separately agreed by a merchant, a merchant operating mechanism and a user, so as to define a ratio or a credit allocation between the user and the merchant in the card withdrawal process. For example, if the card withdrawal configuration information includes a card withdrawal ratio of 60% and the first digital currency amount is 40, the card withdrawal amount is calculated to be 24, and the second digital currency amount is generated to be 24. In addition, the difference between the first digital currency and the second digital currency can be stored in the merchant digital currency wallet corresponding to the target merchant, i.e. the difference between the first digital currency and the second digital currency can be owned by the merchant.

In one embodiment of the present invention, the card withdrawal configuration information and the corresponding card withdrawal amount calculation formula may be written in advance into the smart card prepaid contract, and after receiving the card withdrawal request, the card withdrawal amount may be checked according to the smart card prepaid contract. Specifically, the card withdrawal amount may also be carried in the card withdrawal information sent by the merchant or the user, so that the prepaid card intelligent contract is verified, and whether the card withdrawal amount indicated by the card withdrawal information is consistent with the card withdrawal amount calculated according to the card withdrawal configuration information or not can also be verified, that is, whether the card withdrawal amount requested by the merchant or the user is consistent with the card withdrawal amount calculated according to the card withdrawal configuration information can be verified, the card withdrawal configuration information can be preconfigured in the prepaid card intelligent contract, if the card withdrawal amount is consistent with the card withdrawal amount, the prepaid card intelligent contract is verified to pass, and then the second digital currency can be further generated according to the card withdrawal amount.

It will be appreciated that the merchant operating mechanism may generate the target prepaid card and store the first digital currency in accordance with the prepaid card generation request prior to receiving the card withdrawal request. In one embodiment of the present invention, the generation process of the first target prepaid card may be as shown in fig. 2, and mainly includes the following steps:

step S201: the merchant terminal transmits a request for generating a prepaid card to a prepaid funds management apparatus (merchant operating mechanism) according to the user's trigger.

In the step, the user triggers the ordering operation of the prepaid card in the APP (merchant terminal) of a certain e-commerce platform, and then the merchant terminal correspondingly sends a request for generating the prepaid card to a corresponding merchant operation mechanism. The generation request indicates the target merchant, prepaid card user information, prepaid amount, and type of prepaid card to which the prepaid card is to be generated.

Step S202: the merchant operating mechanism determines the prepaid card category and the prepaid card limit based on the prepaid card generation request.

Step S203: and under the condition that the type of the prepaid card is real-name prepaid card, the merchant operation mechanism acquires real-name information of the user and authenticates the real-name information of the user, and step S204 is executed under the condition that the authentication is passed, otherwise, prompt information of unsuccessful real name is output to the merchant end to prompt the user whether to purchase anonymous prepaid card or prompt to finish the current flow.

The merchant operation mechanism can acquire the real name information of the user through the real name wallet of the user, and can prompt the user to input the corresponding real name information through the merchant terminal.

It can be understood that when the user wants to purchase the prepaid card of the target merchant, the target merchant can make a corresponding prompt through the page of the merchant terminal to guide the user to fill in the user information such as the mobile phone number, the name, the certificate type (identity card, passport, etc.), the certificate number, etc. And then the merchant terminal sends the user information to the merchant operation mechanism, so that the merchant operation mechanism performs real-name authentication on the user, and only the user after the real-name authentication can purchase the real-name prepaid card. If the real-name authentication is unsuccessful, the merchant side prompts that the real-name authentication fails and prompts whether the user purchases the anonymous prepaid card, and if the user does not purchase the anonymous prepaid card, the current flow is ended.

Step S204: after the authentication of the real name system is successful, the merchant operation mechanism generates a payment order, and prompts the user to pay for the payment order through the merchant end, so that the user can complete payment according to the digital currency in the first digital currency wallet.

Step S205: after the merchant terminal determines that the payment order is successful, notifying the merchant operation mechanism of the successful payment result.

If the merchant terminal determines that the payment fails, the merchant terminal can enter a payment failure processing flow, such as prompting the user to pay again or directly ending the current flow.

Step S206: the merchant operating mechanism generates an intelligent contract sub-wallet and a target prepaid card according to the digital currency for payment, the target merchant and the prepaid card user information, and stores first digital currency corresponding to the target prepaid card in the intelligent contract sub-wallet.

In the above embodiment, the target prepaid card is generated from the digital money in the first digital money wallet, that is, the source of the digital money for generating the target prepaid card corresponds to the same user as the card withdrawal object, and the generated second digital money is returned to the first digital money wallet at the time of card withdrawal.

In addition, after the target prepaid card is generated, a first user (donor) having a first target prepaid card may give the target prepaid card to a second user (donor). The post-gift target prepaid card is bound to the user information of the recipient, that is, the post-gift target prepaid card corresponds to the recipient's digital money wallet, and the second digital money is stored in the recipient's first digital money wallet when the card is withdrawn. In this case, the target prepaid card is generated from digital currency in a second digital currency wallet of the donor, the first digital currency wallet corresponding to a different user than the second user digital currency wallet. And in the card returning process, the generated second digital currency is returned to the first user digital currency of the donor.

In one embodiment of the present invention, to increase merchant revenue, a merchant operating mechanism may transfer a first digital currency in a sub-wallet of a smart contract to a financial account according to the smart contract of a prepaid card prior to receiving a card withdrawal request for the prepaid card; when generating the second digital currency, the digital currency corresponding to the card withdrawal amount can be transferred from the financial account to the smart contract sub-wallet; the second digital currency is then generated from the digital currency in the smart contract sub-wallet.

The financial account can be arranged in the merchant operation mechanism, and if the financial account is internal to the merchant operation mechanism, the merchant operation mechanism can directly transfer the first digital currency to the financial account according to the intelligent contract. If the financial account is an account on other financial platforms, the merchant operating mechanism can transfer the digital currency in the smart contract sub-wallet to the financial platform corresponding to the financial account, and transfer the digital currency to the financial account from the financial platform.

When a user purchases a prepaid card, the merchant operating mechanism signs a three-party agreement with the user and the merchant, agrees to give funds corresponding to the prepaid card to the merchant operating mechanism for storage, and triggers the rights and responsibilities of all parties in the processes of generating, using, returning the prepaid card and the like according to an intelligent contract; and digital currency in the smart contract sub-wallet can be contracted to be used for financial management in a limited range, and attribution parties of financial management benefits and losses are contracted, for example, the financial management benefits are collected by merchants and the losses are collected by merchants. Therefore, after the digital currency is stored in the intelligent contract sub-wallet, the digital currency in the intelligent contract sub-wallet can be transferred to the financial account, so that the benefit of the managed funds can be improved, and the merchant rights and interests are guaranteed.

In another embodiment of the present invention, after the prepaid card is generated, a prepaid card identifier of the target prepaid card and any one or more of the following may be stored correspondingly: the use record, recharging record, returning record and card returning record of the target prepaid card; and sending the prepaid card identification and the record information to a client background so that the client background pushes the record information to a client corresponding to the target user information according to the binding relation between the target prepaid card and the target user information.

After the user successfully purchases the target prepaid card, the merchant operating mechanism may correspondingly store information such as usage records, recharge records, return records, and/or card withdrawal records according to the prepaid card identification of the prepaid card. When a user purchases a prepaid card, the user needs to provide identity information such as a mobile phone number. After the user successfully purchases the prepaid card, the merchant operating mechanism can bind the user communication identification such as the mobile phone number and the like with the target prepaid card and send the binding result to the background of the user side. For example, the merchant operating mechanism may generate index information corresponding to the target prepaid card as a binding result. The index information may include: the payment wallet corresponding to the target prepaid card, the real name wallet associated with the user, the prepaid card category, the user communication identification, the type of prepaid funds of the merchant (the unique number assigned by the merchant operating mechanism to the prepaid card issued by the merchant), the prepaid card identification of the target prepaid card, the merchant identification, the amount of purchased card, the identification of the merchant operating mechanism, the state of the prepaid card (gift, to be taken, gift, etc.), the generation time of the target prepaid card, and the expiration date of the target prepaid card. If the prepaid card of the user is presented by or for presentation to another person, the index result may further include a field for presenting whether the card is presented, and may further include fields such as a gift sub-wallet ID, a gift mobile phone number, and a gift time, so as to display information about the gift of the target prepaid card. The communication identifier of the user can be a mobile phone number of the user to which the prepaid card belongs, and the mobile phone number is used for binding the identity of the prepaid card. The prepaid card identification refers to a unique number assigned by the merchant operator to the prepaid card issued by the merchant, which is unique within the merchant operator. In addition, the index result may further include a merchant prepaid card number, which refers to a prepaid card number allocated by the merchant to the target prepaid card, and the user side background may identify the associated prepaid card type according to the prepaid card. The identification of the merchant operating mechanism is a unique number which is allocated to the merchant by the merchant operating mechanism and is unique in the merchant operating mechanism. The identity of the merchant operator may be the operator code. The time of generation of the target prepaid card may be determined based on the time of successful payment time for presentation ordering of the plurality of prepaid cards.

The management module of the user terminal background can manage the index information. Specifically, the management module in the background of the user side pre-associates the prepaid funds payment wallet with the user side account. When the user purchases the prepaid card independently, the management module can correlate according to the wallet ID of the payment wallet; when the user is presented, the anonymous prepaid card and the real name prepaid card can be associated by using the mobile phone number.

According to the above embodiment, after the target prepaid card is generated, the target prepaid card may be bound to the user communication identifier (e.g., a mobile phone number) through the merchant operator and/or the user side background. The user end corresponding to the user end background can be in the form of APP or applet, and the merchant end can also be in the form of APP or applet. If the binding is directly carried out through the merchant operation mechanism, the merchant operation mechanism can send the binding result to the client background, so that the client background can bind the target prepaid card with registered target user information according to the binding result, and in the life cycle of the target prepaid card in the later period, the client background can push the use record, recharging record, returning record and the like of the prepaid card to the client corresponding to the target user information according to the binding relation.

In another embodiment of the invention, the card withdrawal request is a logoff request initiated according to the expiration date and/or merchant status of the target prepaid card. Specifically, the user or merchant may initiate a cancellation request of the prepaid card when the expiration date of the target prepaid card is over or the merchant cannot continue to provide service due to a reclosing/bankruptcy/running or the like. For example, a validity period is set for an anonymous prepaid card, and a logout notification may be initiated by a prepaid card smart contract to a merchant or user before the expiration of the validity period, such that the merchant or user initiates a card withdrawal request based on the logout notification. Before the expiration of the prepaid card, the merchant may contact the user in advance to inform him of the cancellation arrangement. In addition, the merchant operator may investigate the merchant and agree with the merchant that no service is available, such as the store being withdrawn, no service being available for a period of time (e.g., three months), etc., before selling the target prepaid card. When the merchant operation mechanism determines that the merchant cannot provide service according to the field investigation condition or user feedback, or receives the evidence of the broken product of the merchant, the merchant operation mechanism can actively initiate a logout request.

In the process of the cancellation of the target prepaid card, the intelligent closing date of the prepaid card checks whether the cancellation condition (such as that the effective period is over or the merchant cannot provide service), the state of the first digital currency wallet (such as whether the wallet can collect money normally) and/or whether the information of the user is complete or not, so as to ensure the successful execution of the cancellation process. Taking the example that the merchant cannot continue to provide service, the logout process may include the following steps as shown in FIG. 3:

step S301: the merchant sends a cancellation request of the prepaid card to a prepaid funds management device (merchant operating mechanism) through the merchant end.

Wherein the cancellation request indicates the prepaid card identification and cancellation information to be cancelled.

Step S302: and the merchant operation mechanism determines a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the cancellation request.

Step S303: the merchant operating mechanism changes the status of the target prepaid card into in-process and determines whether the target prepaid card is a real-name prepaid card, step S304 is performed if the target prepaid card is a real-name prepaid card, and otherwise step S306 is performed.

Step S304: checking whether the user information is complete through the prepaid card smart contract, if yes, executing step S305, otherwise executing step S306.

Step S305: prompting the user to input identity information and storing the identity information.

Step S306: checking whether the cancellation condition is satisfied by the prepaid card smart contract, if yes, executing step S307, otherwise ending the current flow.

For example, the cancellation amount, the cancellation reason, etc. may be checked to verify whether the cancellation condition is satisfied.

Step S307: and generating second digital currency according to the card withdrawal information and the first digital currency, storing the second digital currency in a first digital currency purse of the user, and changing the state of the target prepaid card into the cancelled state.

According to the prepaid fund management method based on digital currency, according to the embodiment of the invention, a smart contract of a prepaid card is signed in advance with a target merchant through a merchant operation mechanism, a smart contract sub-wallet corresponding to the target prepaid card is arranged in the merchant operation mechanism, and the first digital currency corresponding to the target prepaid card is stored in the smart contract sub-wallet. The first digital currency stored in the smart contract sub-wallet does not belong to the target merchant, so that the target merchant cannot steal the first digital currency in advance. When the user needs to withdraw the card or cancel the prepaid card due to expiration of the prepaid card or improper business operation of the merchant, the user or the merchant can initiate a card withdrawal request, generate second digital currency corresponding to the withdrawn amount according to the first digital currency, and store the second digital currency in a first digital currency wallet of the user so as to return unused digital currency in the target prepaid card to the user, thereby improving the transaction safety of the prepaid card and being beneficial to guaranteeing the rights and interests of the user.

Fig. 4 is a schematic diagram of the main modules of a prepaid funds management device based on digital currency according to an embodiment of the invention.

As shown in fig. 4, a prepaid funds management apparatus 400 based on digital currency according to an embodiment of the invention may be applied to a merchant operating institution, including: a request receiving module 401, a determining module 402 and a card ejecting module 403; wherein,

a request receiving module 401 for receiving a card withdrawal request of a prepaid card corresponding to prepaid funds, the card withdrawal request indicating a prepaid card identification and card withdrawal information of a card to be withdrawn;

a determining module 402, configured to determine, according to the card withdrawal request, a target prepaid card corresponding to the prepaid card identifier and a smart contract sub-wallet corresponding to the target prepaid card; the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet, and the intelligent contract sub-wallet is arranged in the merchant operation mechanism and binds the intelligent contract of the prepaid card;

And the card withdrawal module 403 is configured to send the card withdrawal information to the prepaid card smart contract for verification, generate a second digital currency according to the card withdrawal information and the first digital currency after the prepaid card smart contract determines that the verification is passed, and store the second digital currency in a first digital currency wallet of the user.

In one embodiment of the present invention, the card withdrawal module 403 is configured to calculate a card withdrawal amount according to the card withdrawal configuration information and the first digital currency; and generating the second digital currency corresponding to the card withdrawal amount.

In one embodiment of the present invention, the card withdrawal configuration information is pre-configured in the prepaid card smart contract; and/or, the card withdrawal request carries the card withdrawal configuration information. The card withdrawal configuration information comprises: card withdrawal proportion or card withdrawal limit.

In one embodiment of the present invention, the card withdrawal information indicates a card withdrawal amount; the card withdrawal module 403 is configured to calculate a card withdrawal amount according to card withdrawal configuration information preconfigured by the smart contract of the prepaid card; checking whether the card withdrawal amount indicated by the card withdrawal information is consistent with the card withdrawal amount calculated by the card withdrawal configuration information.

In one embodiment of the present invention, the card withdrawal information indicates a card withdrawal reason, and the card withdrawal module 403 is configured to check whether the card withdrawal reason indicated by the card withdrawal request is consistent with the card withdrawal reason indicated by the smart contract for a prepaid card.

In one embodiment of the present invention, when the card withdrawal reason is a user reason, the card withdrawal module 403 is configured to generate card withdrawal application information according to the card withdrawal request, and send the card withdrawal application information to a user side, where the card withdrawal application information indicates a card withdrawal audit time limit; and determining that audit feedback information of the card withdrawal application information sent by the user terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates approval of the card withdrawal request, and generating the second digital currency according to the card withdrawal information indicated by the prepaid card intelligent contract and the first digital currency.

In one embodiment of the present invention, when the card withdrawal reason is a merchant reason, the card withdrawal module 403 is configured to generate card withdrawal application information according to the card withdrawal request, and send the card withdrawal application information to a merchant end corresponding to the target merchant, where the card withdrawal application information indicates a card withdrawal audit time limit; and determining that audit feedback information of the card withdrawal application information sent by the merchant terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates that the card withdrawal request is approved, and generating the second digital currency according to the card withdrawal information indicated by the intelligent contract and the first digital currency.

In one embodiment of the present invention, the card withdrawal module 403 is further configured to receive a user wallet determining instruction, and determine the first digital money wallet according to the user wallet determining instruction; and/or, the prepaid card smart contract determines the first digital currency wallet.

In one embodiment of the invention, the target prepaid card is generated from digital currency in a second digital currency wallet, the first digital currency wallet corresponding to a different user than the second digital currency wallet.

In one embodiment of the invention, the target prepaid card is generated from digital currency in the first digital currency wallet.

In one embodiment of the present invention, the management apparatus further includes: a processing module; wherein the processing module is configured to store, in correspondence, a prepaid card identifier of the target prepaid card and any one or more of the following: the use record, recharging record, returning record and card returning record of the target prepaid card; and sending the prepaid card identification and the record information to a client background so that the client background pushes the record information to a client corresponding to the target user information according to the binding relation between the target prepaid card and the target user information.

In one embodiment of the present invention, the difference between the first digital currency and the second digital currency is stored in a merchant digital currency wallet corresponding to the target merchant.

In one embodiment of the present invention, the processing module is further configured to transfer the first digital currency in the smart contract sub-wallet to a financial account according to the smart contract of the prepaid card before receiving the card withdrawal request of the prepaid card; the card withdrawal module 403 is configured to transfer, from the financial account, digital currency corresponding to the card withdrawal amount to the smart contract sub-wallet; the second digital currency is generated from the digital currency in the smart contract sub-wallet.

In one embodiment of the invention, the card withdrawal request is a cancellation request initiated according to the expiration date and/or merchant status of the target prepaid card.

In one embodiment of the present invention, the card withdrawal module 403 is configured to check whether a cancellation condition is satisfied, a state of the first digital money wallet, and/or information of the user is complete.

According to the prepaid fund management device based on digital currency, a merchant operation mechanism and a target merchant sign a prepaid card intelligent contract in advance, an intelligent contract sub-wallet corresponding to the target prepaid card is arranged in the merchant operation mechanism, and the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet. The first digital currency stored in the smart contract sub-wallet does not belong to the target merchant, so that the target merchant cannot steal the first digital currency in advance. When the user needs to withdraw the card or cancel the prepaid card due to expiration of the prepaid card or improper business operation of the merchant, the user or the merchant can initiate a card withdrawal request, generate second digital currency corresponding to the withdrawn amount according to the first digital currency, and store the second digital currency in a first digital currency wallet of the user so as to return unused digital currency in the target prepaid card to the user, thereby improving the transaction safety of the prepaid card and being beneficial to guaranteeing the rights and interests of the user.

Fig. 5 is a schematic diagram of the major modules of a digital currency based prepaid funds management system in accordance with embodiments of the invention.

As shown in fig. 5, a digital currency based prepaid funds management system 500 in accordance with embodiments of the invention may include: the prepaid funds management apparatus 400 and merchant terminal 501 based on digital currency provided in any of the embodiments described above; wherein,

the merchant terminal 501 is configured to send, to the management apparatus, a card withdrawal request according to the generated prepaid card corresponding to the prepaid funds, where the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn.

In one embodiment of the present invention, with continued reference to FIG. 5, the system may further comprise: a client 502 and a client background 503; wherein,

the user side 502 is configured to send a card withdrawal request to the user side background according to the generated prepaid card, where the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

The client background 503 is configured to send the card withdrawal request to the management device.

In one embodiment of the present invention, the management device 400 is configured to store the prepaid card identifier and any one or more of the following in correspondence: the use record, recharging record, returning record and card returning record of the target prepaid card; and sends the prepaid card identification and record information to the user side background 503;

the user side background 503 is configured to push the record information to a user side corresponding to the target user information according to the binding relationship between the target prepaid card and the target user information.

FIG. 6 illustrates an exemplary system architecture 600 of a digital currency-based prepaid funds management method or digital currency-based prepaid funds management system to which embodiments of the present invention may be applied.

As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 is used as a medium to provide communication links between the terminal devices 601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 605 via the network 604 using the terminal devices 601, 602, 603 to receive or send messages, etc. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc., may be installed on the terminal devices 601, 602, 603.

The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 605 may be a server providing various services, such as a background management server providing support for payment requests initiated by users with the terminal devices 601, 602, 603. The background management server can analyze and process the received data such as the payment request and the like, and feed back the payment result to the terminal equipment.

It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a request receiving module, a determining module, and a card eject module. The names of these modules do not constitute a limitation on the module itself in some cases, and for example, the request receiving module may also be described as "a module that receives a card withdrawal request of a prepaid card".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: receiving a card withdrawal request of a prepaid card corresponding to prepaid funds, wherein the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn; determining a target prepaid card corresponding to the prepaid card identifier and an intelligent contract sub-wallet corresponding to the target prepaid card according to the card withdrawal request; the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet, and the intelligent contract sub-wallet is arranged in the merchant operation mechanism and binds the intelligent contract of the prepaid card; and sending the card withdrawal information to the prepaid card intelligent contract for verification, generating second digital currency according to the card withdrawal information and the first digital currency after the prepaid card intelligent contract passes the verification, and storing the second digital currency in a first digital currency wallet of a user.

According to the technical scheme of the embodiment of the invention, the merchant operation mechanism and the target merchant sign the intelligent contract of the prepaid card in advance, and the intelligent contract sub-wallet corresponding to the target prepaid card is arranged in the merchant operation mechanism, and the first digital currency corresponding to the target prepaid card is stored in the intelligent contract sub-wallet. The first digital currency stored in the smart contract sub-wallet does not belong to the target merchant, so that the target merchant cannot steal the first digital currency in advance. When the user needs to withdraw the card or cancel the prepaid card due to expiration of the prepaid card or improper business operation of the merchant, the user or the merchant can initiate a card withdrawal request, generate second digital currency corresponding to the withdrawn amount according to the first digital currency, and store the second digital currency in a first digital currency wallet of the user so as to return unused digital currency in the target prepaid card to the user, thereby improving the transaction safety of the prepaid card and being beneficial to guaranteeing the rights and interests of the user.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of prepaid funds management based on digital currency, applied to a merchant operations facility, comprising:

receiving a card withdrawal request of a prepaid card corresponding to prepaid funds, wherein the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

2. The method of claim 1, wherein the step of determining the position of the substrate comprises,

calculating the card withdrawal amount according to the card withdrawal configuration information and the first digital currency; and generating the second digital currency corresponding to the card withdrawal amount.

3. The method of claim 2, wherein the step of determining the position of the substrate comprises,

the card withdrawal configuration information is pre-configured in the smart contract of the prepaid card;

and/or the number of the groups of groups,

4. The method of claim 2, wherein the step of determining the position of the substrate comprises,

the card withdrawal configuration information comprises: card withdrawal proportion or card withdrawal limit.

5. The method of claim 2, wherein the card withdrawal information indicates a card withdrawal amount; the step of sending the card withdrawal information to the smart contract of the prepaid card for verification comprises the following steps:

6. The method of claim 1, wherein the card withdrawal information indicates a reason for a card withdrawal, and wherein the transmitting the card withdrawal information to the prepaid card smart contract for verification comprises:

7. The method of claim 6, wherein, in the case where the card withdrawal reason is a user reason, the generating a second digital currency from the card withdrawal information and the first digital currency comprises:

and determining that audit feedback information of the card withdrawal application information sent by the user terminal is received within the card withdrawal audit time limit, wherein the audit feedback information indicates approval of the card withdrawal request, and generating the second digital currency according to the card withdrawal information indicated by the prepaid card intelligent contract and the first digital currency.

8. The method of claim 6, wherein, in the case where the card withdrawal reason is a merchant reason, the generating a second digital currency from the card withdrawal information and the first digital currency comprises:

9. The method of claim 1, wherein prior to storing the second digital currency in the user's first digital currency wallet, comprising: receiving a user wallet determining instruction, and determining the first digital currency wallet according to the user wallet determining instruction;

and/or the number of the groups of groups,

the prepaid card smart contract determines the first digital currency wallet.

10. The method of claim 1, wherein the step of determining the position of the substrate comprises,

the target prepaid card is generated from digital currency in a second digital currency wallet, the first digital currency wallet corresponding to a different user than the second digital currency wallet.

11. The method of claim 1, wherein the step of determining the position of the substrate comprises,

the target prepaid card is generated from digital currency in the first digital currency wallet.

12. The method as recited in claim 1, further comprising:

13. The method as recited in claim 1, further comprising:

14. The method of claim 2, wherein the difference between the first digital currency and the second digital currency is stored in a merchant digital currency wallet corresponding to the target merchant.

15. The method of claim 2, wherein prior to receiving a card withdrawal request for a prepaid card, transferring the first digital currency in the smart contract sub-wallet to a financial account in accordance with the prepaid card smart contract;

16. The method of claim 1, wherein the card withdrawal request is a logoff request initiated according to a expiration date and/or merchant status of the target prepaid card.

17. The method of claim 16, wherein transmitting the card withdrawal information to the prepaid card smart contract for verification comprises:

18. A prepaid funds management device based on digital currency, applied to a merchant operations facility, comprising:

a request receiving module, configured to receive a card withdrawal request of a prepaid card corresponding to prepaid funds, where the card withdrawal request indicates a prepaid card identifier and card withdrawal information of a card to be withdrawn;

19. A digital currency-based prepaid funds management system, comprising: a digital currency-based prepaid funds management device and merchant side as in claim 18; wherein,

20. The system of claim 19, further comprising: the client and the client background; wherein,

21. The system of claim 20, wherein the system further comprises a controller configured to control the controller,

the management device is used for correspondingly storing the prepaid card identification and any one or more of the following: the use record, recharging record, returning record and card returning record of the target prepaid card; the prepaid card identification and the record information are sent to a background of the user;

22. The system of claim 19, wherein the system further comprises a controller configured to control the controller,

the merchant terminal is further configured to record management information of the target prepaid card, where the management information indicates any one or more of the following: the payment password of the target prepaid card, the setting end of the payment password, the management end of the target prepaid card, the responsibility end of the invalid transaction corresponding to the target prepaid card and the use certificate information of the target prepaid card; wherein the usage credential information includes: rights items, rights usage patterns, and/or rights remaining amount.

23. An electronic device for managing prepaid funds based on digital currency, comprising:

One or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-17.

24. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-17.