WO2024032356A1

WO2024032356A1 - Payment processing method and apparatus based on prepayment voucher

Info

Publication number: WO2024032356A1
Application number: PCT/CN2023/108743
Authority: WO
Inventors: 施萍; 徐曙怡; 钟颖然; 何炜; 胡容海; 李晓兵; 宋伟伟; 王慰骏
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2022-08-10
Filing date: 2023-07-21
Publication date: 2024-02-15
Also published as: CN115330372A

Abstract

Embodiments of the present description provide a payment processing method and apparatus based on a prepayment voucher. The payment processing method based on a prepayment voucher comprises: after a payment request for a prepayment voucher is acquired, sending payment information to a service platform corresponding to the prepayment voucher; receiving a payment order submitted by the service platform after performing resource verification on the payment information; determining a payment mode of the payment order, and performing payment processing on the payment order according to the payment mode; and synchronizing a payment result to the service platform so as to perform deduction of the resource amount of the prepayment voucher.

Description

Payment processing method and device based on prepaid voucher

Technical field

This document relates to the field of data processing technology, and in particular to a payment processing method and device based on prepaid vouchers.

Background technique

With the development of Internet technology and the popularization of mobile terminals, more and more services have begun to extend to online scenarios, such as online payment, service reservation and other online processing methods. Online scenarios are becoming more and more frequent and convenient, and they are becoming more and more convenient. As the application scope and application scenarios of online processing methods become more and more extensive, the diverse demands of all parties for online processing are also getting higher and higher, which poses a higher test to online service providers.

Contents of the invention

One or more embodiments of this specification provide a payment processing method based on a prepaid voucher, including: after obtaining a payment request for a prepaid voucher, sending payment information to a service platform corresponding to the prepaid voucher. Receive the payment order submitted by the service platform after verifying the resources of the payment information. Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method. The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

One or more embodiments of this specification provide another payment processing method based on a prepaid voucher, including: performing resource verification on the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher. Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform. Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

One or more embodiments of this specification provide a payment processing device based on a prepaid voucher, including: a payment information sending module configured to, after obtaining a payment request for a prepaid voucher, send the payment request to the service platform corresponding to the prepaid voucher. Send payment information. The payment order receiving module is configured to receive the payment order submitted by the service platform after verifying the resources of the payment information. The payment processing module is configured to determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method. The payment result synchronization module is configured to synchronize the payment result with the service platform to reduce the resource amount of the prepaid voucher.

One or more embodiments of this specification provide another payment processing device based on a prepaid voucher, including: a resource verification module configured to perform resource verification on the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher. pin. The payment order creation module is configured to determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform. The resource amount deduction module is configured to receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepayment voucher.

One or more embodiments of the present specification provide a payment processing device based on a prepaid voucher, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the The processor: after obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher. Receive the payment order submitted by the service platform after verifying the resources of the payment information. Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method. The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

One or more embodiments of the present specification provide another payment processing device based on a prepaid voucher, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause The processor: performs resource write-off of the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher. Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform. Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

One or more embodiments of this specification provide a storage medium for storing computer-executable instructions. When executed by a processor, the computer-executable instructions implement the following process: after obtaining a payment request for a prepaid voucher, Send payment information to the service platform corresponding to the prepaid voucher. Receive the payment order submitted by the service platform after verifying the resources of the payment information. Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method. The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

One or more embodiments of this specification provide another storage medium for storing computer-executable instructions, When executed by the processor, the computer-executable instructions implement the following process: based on the payment information sent by the payment platform for the prepayment voucher, perform resource write-off of the prepayment voucher. Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform. Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

Description of drawings

In order to more clearly illustrate the technical solutions in one or more embodiments of this specification, the drawings needed to be used in the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only used in this specification. For some of the embodiments recorded, those of ordinary skill in the art can also obtain other drawings based on these drawings without exerting creative efforts.

Figure 1 is a processing flow chart of a payment processing method based on prepaid vouchers provided by one or more embodiments of this specification;

Figure 2 is a sequence diagram of a payment processing method based on prepaid vouchers applied to merchant stored-value card scenarios provided by one or more embodiments of this specification;

Figure 3 is a processing flow chart of another payment processing method based on prepaid vouchers provided by one or more embodiments of this specification;

Figure 4 is a schematic diagram of a payment processing device based on prepaid vouchers provided by one or more embodiments of this specification;

Figure 5 is a schematic diagram of another payment processing device based on prepaid vouchers provided by one or more embodiments of this specification;

Figure 6 is a schematic structural diagram of a payment processing device based on a prepaid voucher provided by one or more embodiments of this specification;

Figure 7 is a schematic structural diagram of another payment processing device based on prepaid vouchers provided by one or more embodiments of this specification.

Detailed ways

In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the following will describe the technical solutions in one or more embodiments of this specification in conjunction with the drawings in one or more embodiments of this specification. The technical solution is described clearly and completely. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts should fall within the protection scope of this document.

An embodiment of a payment processing method based on a prepaid voucher provided in this specification: The payment processing method based on a prepaid voucher provided by this application starts from the payment request of the prepaid voucher, sends the corresponding payment information to the service platform of the prepaid voucher, and after receiving Based on the payment order submitted by the service platform, first determine the payment method of the payment order, then perform payment processing on the payment order according to the determined payment method, and provide the payment result obtained by the payment processing to the service platform to prepay according to the payment result. The resource amount of the voucher is deducted to ensure the consistency of the resource amount of the prepaid voucher and the order payment data. At the same time, the payment methods of the prepaid voucher are more diversified, and the actual payment of the prepaid voucher by users is more flexible.

Referring to Figure 1, this embodiment provides a payment processing method based on a prepaid voucher. The method specifically includes steps S102 to S108.

Step S102: After obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher.

The prepaid voucher described in this embodiment refers to a voucher issued through a specific carrier and form that can be used to purchase goods or services at a specific institution. Moreover, the voucher often has the characteristic of recharging first and then using the voucher for consumption, so it is called prepaid. certificate. Optionally, the prepaid voucher includes a physical prepaid voucher using physical media as a carrier, and/or an electronic prepaid voucher using an electronic voucher as a carrier. For example, physical stored-value cards, electronic stored-value cards, etc.

Optionally, the service platform includes a processing platform of a service institution that performs commodity consumption and/or service consumption based on the prepaid voucher, or a service party that performs commodity consumption and/or service consumption based on the prepaid voucher; the payment The request includes a request for payment for the user's consumption of goods and/or services at the service institution.

In actual applications, users may purchase different prepaid vouchers through different channels. When the user has multiple prepaid vouchers, the user needs to bring the corresponding prepaid voucher when using different prepaid vouchers for consumption payment. Or pay through the corresponding payment channel of each prepaid voucher, which will bring great difficulty to the user to use the prepaid voucher to pay. To address this, this embodiment binds one or more prepaid vouchers of the user to one user. Account, with the help of user accounts to realize consumption payments for different prepaid vouchers, thereby improving the flexibility of users to use prepaid vouchers for consumption payments; optionally, the prepaid vouchers include: binding with the user account that submitted the payment request Any one of at least one prepaid voucher in the relationship; wherein the binding relationship is established after the user and the payment platform sign a payment agreement for the prepaid voucher.

It should be noted that, in order to ensure the flexibility of the service platform in managing the prepaid resources corresponding to the prepaid voucher, so as to enhance the willingness of the service platform to cooperate, the payment processing method based on the prepaid voucher provided in this embodiment does not involve the payment process. The processing process of the prepaid resources corresponding to the prepaid voucher only involves the processing process of the available resource amount of the prepaid voucher. Optionally, the resource account corresponding to the prepaid voucher is set on the service platform, and the prepaid resources in the resource account are provided by The service platform is managed.

During specific implementation, on the basis of establishing a binding relationship between the above-mentioned prepaid voucher and the user account, during the process of payment using the prepaid voucher, this embodiment provides two implementation methods for payment request submission, and any one can be selected during the specific execution process. The implementation method submits the payment request.

The first implementation method is that the service platform scans the payment identifier of the user to submit the payment request. Optionally, the payment request is submitted after the service platform scans the payment identifier of the user account.

Based on the above binding of at least one prepaid voucher with the user account, that is, on the basis of establishing a binding relationship between at least one prepaid voucher and the user account, here, a payment for the prepaid voucher can be initiated based on the payment code of the user account. Pay, and then submit a payment request for the prepaid voucher. The payment identifier may be the first payment code of the user account on the payment platform. The first payment code refers to the payment code of the user account itself. In addition, the first payment code The payment code can also be a payment code generated by the payment application of the payment platform; in addition, the payment identification can also be a payment code specially created for at least one prepaid voucher. By creating the payment code, you can initiate a payment for any of the at least one prepaid voucher. Pay a prepaid voucher, and then submit a payment request for any prepaid voucher.

Optionally, the payment identification includes: the first payment code of the user account on the payment platform, and/or a second payment code created based on the at least one prepaid voucher; wherein the first payment code is The payment application of the payment platform is accessed, and the second payment code is accessed through a subroutine of the payment application.

During the specific execution process, the service identification field can be configured in the payment request submitted by the service platform. The service identification field is used to record the identification information of the service platform or service organization. After receiving the payment request, the payment platform will, based on the identification carried in the payment request, Information, among the prepaid vouchers that are bound to the user account, query whether there is a prepaid voucher for the service institution or service platform to which the identification information belongs. If it exists, determine the priority to use the queried prepaid voucher for payment, and execute the payment. The process of sending payment information to the service platform corresponding to the prepaid voucher; if it does not exist, the corresponding payment reminder is returned to the service platform, or the payment response processing of the payment request is performed based on the account resources of the user account.

In addition, it is not excluded that the user purchases multiple stored-value cards of different types from the same service institution. In this case, the service type field or payment type field can be included in the payment request. The service identification field is used to record the service type information. Or payment type information. After receiving the payment request, the payment platform will query whether there is any service type information or payment type in the prepaid voucher that is bound to the user account based on the service type information or payment type information carried in the payment request. If a prepayment voucher with matching information exists, it is determined that the queried prepayment voucher will be used first for payment, and the process of sending payment information to the service platform corresponding to the prepayment voucher is executed; if it does not exist, the corresponding information is returned to the service platform. Payment reminder; or, after receiving the payment request, the payment platform, based on the service type information or payment type information carried in the payment request, queries the prepayment voucher of the service platform in the prepayment voucher that is bound to the user account, and detects Whether there is a prepayment voucher matching the service type information or payment type information among the prepayment vouchers of the service platform. If there is a prepayment voucher matching the service type information or payment type information, it is determined that the prepayment voucher matching the service type information or payment type information is used for payment first, and the payment is executed to the The process of sending payment information to the service platform corresponding to the prepaid voucher; if it does not exist, the corresponding payment reminder is returned to the service platform.

The second implementation method is for the user to scan the payment code of the service platform to submit a payment request. Optionally, the payment request is submitted after the payment application of the payment platform scans the payment code of the service platform, or after The sub-application of the payment application scans the payment code of the service platform and submits it.

Similar to the first implementation method above, the service identification field, service type field or payment type field can be set in the payment request. The service identification field is used to record the identification information of the service platform obtained by decoding the payment code of the service platform after scanning it. Or, it is used to record the service type information or payment type information of the service platform obtained by scanning the payment code of the service platform and decoding it. In addition, the service identification field, service type field or payment type field can also record the identification information, service type information or payment type information entered by the user during the payment request submission process.

Step S104: Receive the payment order submitted by the service platform after performing resource verification on the payment information.

The payment information in this embodiment carries at least the payment amount. In addition, the payment information may also carry the following At least one of the above: voucher information of prepaid vouchers, consumption information of consumer goods or services, and user information. During the specific execution process, the data information carried in the payment information can be read from the payment request or obtained from the service platform; the data information carried in the payment information can be read from the payment request. In the case of activities, the payment request may carry at least the payment amount. Similarly, the payment request may also carry at least one of the following: voucher information of prepaid vouchers, consumption information of consumer goods or consumer services, and user information. .

During specific implementation, after the payment information is sent to the service platform, the service platform performs resource write-off of the prepaid voucher based on the payment information, and determines the pre-occupied resource amount of the prepaid voucher based on the write-off result. , and create a payment order based on the reserved resource amount and submit it to the payment platform. Among them, the amount of pre-occupied resources refers to the amount of resources actually frozen by the current service platform for the prepayment voucher for subsequent deductions. The amount of pre-occupied resources can also be regarded as the actual payment amount determined by the service platform based on the payment information. .

Optionally, the resource write-off includes detecting whether the payment amount carried by the payment information is less than or equal to the available resource amount of the prepayment voucher. If the write-off result is that the write-off is passed, the payment amount is determined as the The amount of pre-occupied resources; if the write-off result is that the write-off fails, the amount of available resources will be determined as the amount of pre-occupied resources.

In addition, the above-mentioned step of receiving a payment order submitted after the service platform performs resource verification on the payment information can also be replaced by receiving a payment order submitted by the service platform; optionally, the payment order is recorded with The amount of pre-occupied resources is determined in the following way: if the payment amount carried by the payment information is less than or equal to the amount of available resources in the pre-payment voucher, the payment amount is determined as the pre-occupied resources. amount; if the payment amount carried by the payment information is greater than the amount of available resources in the prepaid voucher, the amount of available resources is determined as the amount of reserved resources.

Step S106: Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method.

After receiving the payment order submitted by the service platform, in this step, the payment method of the payment order is determined, and the payment processing of the payment order is performed according to the payment method. Specifically, the payment method of the payment order is determined. In the process of the method, the payment method of the payment order is determined based on the reserved resource amount recorded in the payment order.

The payment method described in this embodiment refers to which payment channel or payment channels are used to pay for the payment order. Optionally, the payment method includes using the payment channel corresponding to the prepaid voucher to pay the payment order. Since the payment processing for payment orders under this method does not involve the payment of specific resources, but only involves the processing of the resource amount of the prepaid voucher, this payment method is called accounting payment; in addition, the payment method also includes the use of The payment channel corresponding to the prepaid voucher and the payment channel of the corresponding resource are combined to pay for the payment order, so this payment method is called combined payment.

During specific implementation, during the process of determining the payment method of the payment order, this embodiment provides the following two optional implementation methods for determining the payment method based on the amount of reserved resources recorded in the payment order.

In the first optional implementation provided by this embodiment, determining the payment method of the payment order includes: if the amount of reserved resources recorded in the payment order is equal to the payment amount carried in the payment request, determining the The payment method is bill payment.

In the second optional implementation provided by this embodiment, determining the payment method of the payment order includes: if the amount of reserved resources recorded in the payment order is less than the payment amount carried by the payment request, determining the payment The method is combined payment; the combined payment includes accounting payment and resource payment.

Correspondingly, for the above two payment methods provided by this embodiment, in the process of payment processing of the payment order according to the payment method, this embodiment provides two payment methods respectively corresponding to the above two optional implementation methods. Processing.

Specifically, on the basis that the payment method determined above is accounting payment, in the first optional implementation manner provided in this embodiment, payment processing of the payment order according to the payment method includes: based on the The pre-occupied resource amount is used to perform accounting payment of the payment order and obtain the payment result. Optionally, the accounting payment includes updating the order status of the payment order to a paid status, and generating a payment bill for the payment order.

On the basis that the payment method determined above is combined payment, in the second optional implementation provided by this embodiment, payment processing of the payment order according to the payment method includes: based on the pre-occupied resource amount Perform accounting payment of the payment order, and perform resource payment of the payment order based on the remaining resource amount, and use the accounting payment result and the resource payment result as the payment result. The remaining resource amount is the difference between the payment amount carried in the payment request and the reserved resource amount. Optionally, the resource payment includes transferring resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.

In this way, not only can the payment processing of the payment order be completed when the resource amount of the user's prepaid voucher is insufficient, but also the consumption of goods or services at the service institution can be realized when the resource amount of the user's prepaid voucher is insufficient. Consumption ensures payment availability and reduces the probability of payment failure; at the same time, through accounting and expenditure The combination of payment and resource payment improves the payment flexibility of prepaid vouchers. In addition, users can also specify the amount of accounting payment and the amount of resource payment when submitting a payment request, thereby further improving the flexibility of prepaid vouchers for payment in different consumption scenarios.

Step S108: Synchronize the payment results to the service platform.

The payment result refers to the payment result obtained after the payment processing of the payment order, that is, the payment result of the payment order. Specifically, the payment result is a payment success result or a payment result carrying payment success information. .

For the two payment methods provided above, if accounting payment is used to process the payment order, the payment result to the service platform will be a successful payment result if accounting payment is successful; if combined payment is used to process the payment When the order is processed for payment, the payment result to the service platform is a successful payment result of successful resource payment and successful accounting payment.

In this embodiment, the purpose of synchronizing the payment result to the service platform is to remind the service platform to deduct the resource amount of the prepaid voucher, so as to ensure the data consistency of the payment processing of the prepaid voucher. Therefore, The above step of synchronizing the payment result to the service platform can also be replaced by synchronizing the payment result to the service platform to deduct the resource amount of the prepaid voucher. Specifically, in an optional implementation provided by this embodiment, deducting the resource amount of the prepaid voucher includes: deducting the reserved resource amount from the available resource amount of the prepaid voucher.

In practical applications, in order to improve users' perception of prepaid vouchers, a resource amount query interface can also be opened for prepaid vouchers. In an optional implementation provided by this embodiment, the following method is used to implement resource amount query of prepaid vouchers: after obtaining After receiving the query request for the prepaid voucher, forward the query request to the service platform; receive the query result returned by the service platform carrying the amount of available resources of the prepaid voucher.

It should be noted that, on the basis of realizing the query of the resource amount of the prepaid voucher, the service platform may no longer perform resource write-off for the prepaid voucher. In this case, the above-mentioned receiving service platform will check the resource amount of the prepaid voucher. The step of submitting a payment order after verifying the payment information for resources can also be replaced by the process of receiving the payment order submitted by the service platform, and combined with other processes provided by this embodiment to create a new implementation.

In addition, in order to improve the comprehensiveness of the user's association with the prepaid voucher, in an optional implementation provided by this embodiment, the loss reporting process, expiry reminder process and/or voucher destruction process of the prepaid voucher can also be implemented in the following manner: after obtaining After receiving the loss report request for the prepaid voucher, forward the loss report request to the service platform; receive the loss report result carrying the permission freezing information of the prepaid voucher returned by the service platform; wherein the permission freezing information is in Generate the prepaid voucher after freezing the authority; and/or, after obtaining the cancellation request for the prepaid voucher, forward the cancellation request to the service platform; receive the request returned by the service platform carrying the prepaid voucher. The cancellation result of the cancellation information of the voucher; wherein the cancellation information is generated after the cancellation processing of the prepaid voucher; and/or, based on the validity period of the prepaid voucher obtained from the service platform query, the cancellation information is generated Expiration date reminder information is sent to the user.

Optionally, the payment processing method based on prepaid vouchers provided in this embodiment is applied to the payment platform, and the payment processing method based on prepaid vouchers provided in the following method embodiments is applied to the service platform, and the two cooperate with each other during the execution process. , therefore, when reading this embodiment, please refer to the corresponding content of the following embodiment. Similarly, when reading the following embodiment, please refer to this embodiment.

The following takes the application of a payment processing method based on a prepaid voucher provided in this embodiment in a merchant stored-value card scenario as an example to further explain the payment processing method based on a prepaid voucher provided in this embodiment. See Figure 2. The payment processing method based on prepaid vouchers in the merchant stored-value card scenario specifically includes the following steps.

Step S202: After obtaining the payment request for the stored-value card, send payment information to the merchant corresponding to the stored-value card; Step S208: Receive the payment order submitted by the merchant after verifying the amount of the payment information.

Step S210: If the reserved amount recorded in the payment order is equal to the payment amount carried in the payment request, the payment method is determined to be accounting payment.

For example, the pre-occupied amount recorded in the payment order is 100 yuan, and the payment amount carried in the payment request is also 100 yuan, which means that the stored-value card can meet the payment of the current payment order. You only need to deduct 100 yuan from the amount of the stored-value card. Yes, so payment by account is used.

Step S212: Perform accounting payment of the payment order based on the reserved amount, and obtain the payment result.

Step S214: Synchronize the payment results with the merchant to reduce the amount of the stored-value card.

Step S218: If the reserved amount recorded in the payment order is less than the payment amount carried in the payment request, the payment method is determined to be combined payment.

Among them, combined payment includes accounting payment and resource payment.

For example, the remaining amount of the stored-value card is only 100 yuan, and the payment amount carried in the payment request is 120 yuan, which means that the stored-value card cannot meet the payment of the current payment order. The 20 yuan that is not enough to pay can only be paid through other channels. To make the payment, you can use the fund account on the payment platform to pay the 20 yuan, so a combined payment is used.

Step S220: Perform accounting payment of the payment order based on the reserved amount to obtain the accounting payment result, and perform fund payment of the payment order based on the remaining amount to obtain the fund payment result.

Step S222: Synchronize the accounting payment result and the fund payment result to the merchant to deduct the amount of the stored-value card.

This specification also provides another example of a payment processing method based on a prepaid voucher as follows: Referring to Figure 3 , this embodiment provides a payment processing method based on a prepaid voucher. The method specifically includes steps S302 to S306.

Step S302: Based on the payment information sent by the payment platform for the prepaid voucher, perform resource verification of the prepaid voucher.

In actual applications, users may purchase different prepaid vouchers through different channels. When the user has multiple prepaid vouchers, when using different prepaid vouchers to make consumption payments, the user needs to bring the corresponding prepaid voucher, or use each prepaid voucher. Payment is made through the corresponding payment channel of the voucher, which will bring great difficulty for the user to make payment using the prepaid voucher. In view of this, this embodiment binds one or more prepaid vouchers of the user to a user account, with the help of the user The account implements consumption payments for different prepaid vouchers, thereby improving the flexibility of users to use prepaid vouchers for consumption payments; optionally, the prepaid vouchers include: at least one prepaid voucher that is bound to the user account that submitted the payment request Any one of the above; wherein the binding relationship is established after the user signs a payment agreement for a prepaid voucher with the payment platform.

Optionally, the payment request is submitted after the service platform scans the payment identifier of the user account. Based on the above binding of at least one prepaid voucher with the user account, that is, on the basis of establishing a binding relationship between at least one prepaid voucher and the user account, here, a payment for the prepaid voucher can be initiated based on the payment code of the user account. Pay, and then submit a payment request for the prepaid voucher. The payment identifier may be the first payment code of the user account on the payment platform. The first payment code refers to the payment code of the user account itself. In addition, the first payment code The payment code can also be a payment code generated by the payment application of the payment platform; in addition, the payment identification can also be a payment code specially created for at least one prepaid voucher. By creating the payment code, you can initiate a payment for any of the at least one prepaid voucher. Pay a prepaid voucher, and then submit a payment request for any prepaid voucher.

In addition, it is not excluded that the user purchases multiple stored-value cards of different types from the same service institution. In this case, the service type field or payment type field can be included in the payment request. The service identification field is used to record the service type information. Or payment type information. After receiving the payment request, the payment platform will query whether there is any service type information or payment type in the prepaid voucher that is bound to the user account based on the service type information or payment type information carried in the payment request. If a prepayment voucher with matching information exists, it is determined that the queried prepayment voucher will be used first for payment, and the process of sending payment information to the service platform corresponding to the prepayment voucher is executed; If it does not exist, the corresponding payment reminder will be returned to the service platform; or, after receiving the payment request, the payment platform will, based on the service type information or payment type information carried in the payment request, in the prepayment voucher that is bound to the user account. Query the prepaid voucher of the service platform, and detect whether there is a prepaid voucher matching the service type information or payment type information in the service platform. If it exists, determine that the priority usage matches the service type information or payment type information. Pay with the prepaid voucher, and execute the process of sending payment information to the service platform corresponding to the prepaid voucher; if it does not exist, return the corresponding payment reminder to the service platform.

This embodiment provides an optional implementation method. Based on the payment information sent by the payment platform for the prepayment voucher, the resource verification of the prepayment voucher includes: detecting whether the payment amount carried by the payment information is less than or equal to the The amount of available resources for the prepaid voucher; if yes, determine the write-off result to be write-off passed; if not, determine the write-off result to be write-off failed.

Step S304: Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform.

The amount of reserved resources mentioned in this embodiment refers to the amount of resources actually frozen by the current service platform for the prepayment voucher for subsequent deductions. The amount of reserved resources can also be regarded as the actual payment determined by the service platform based on the payment information. amount.

During specific implementation, on the basis of the above-mentioned optional implementation of writing off the resources of the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher, the prepaid voucher of the prepaid voucher is determined based on the write-off result. The amount of resources occupied is achieved in the following manner: if the write-off result is that the write-off is passed, the payment amount is determined as the amount of pre-occupied resources; if the write-off result is that the write-off is not passed, the amount of available resources is determined as The amount of reserved resources.

Step S306: Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

After the payment order is submitted to the payment platform, the payment platform determines the payment method of the payment order, and performs payment processing on the payment order according to the payment method, specifically in the process of determining the payment method of the payment order. , the payment method of the payment order is determined based on the reserved resource amount recorded in the payment order.

Specifically, in the process of determining the payment method of the payment order, if the reserved resource amount recorded in the payment order is equal to the payment amount carried in the payment request, the payment method is determined to be accounting payment; if the payment If the amount of reserved resources in the order record is less than the payment amount carried in the payment request, it is determined that the payment method is combined payment; the combined payment includes accounting payment and resource payment.

In this embodiment, the received payment result of the payment order synchronized by the payment platform refers to the payment result obtained by the payment platform processing the payment order according to the payment method, specifically in the payment order. During the payment processing, if the payment method is accounting payment, accounting payment of the payment order is performed based on the reserved resource amount, and the payment result is obtained. Optionally, the accounting payment includes updating the order status of the payment order to a paid status, and generating a payment bill for the payment order.

If the payment method is combined payment, the accounting payment of the payment order is made based on the reserved resource amount, and the resource payment of the payment order is made based on the remaining resource amount, and the accounting payment result and the resource payment result are regarded as all Describe the payment results. The remaining resource amount is the difference between the payment amount carried in the payment request and the reserved resource amount. Optionally, the resource payment includes transferring resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.

In this way, not only can the payment processing of the payment order be completed when the resource amount of the user's prepaid voucher is insufficient, but also the consumption of goods or services at the service institution can be realized when the resource amount of the user's prepaid voucher is insufficient. Consumption ensures payment availability and reduces the probability of payment failure; at the same time, through the combination of accounting payment and resource payment, the payment flexibility of prepaid vouchers is improved. In addition, users can also specify the amount of accounting payment and the amount of resource payment when submitting a payment request, thereby further improving the flexibility of prepaid vouchers for payment in different consumption scenarios.

In this embodiment, the payment platform synchronizes the payment results, and its purpose is to remind the service platform that it can perform the The resource amount of the prepaid voucher is deducted to ensure the data consistency of the payment processing of the prepaid voucher. In an optional implementation manner provided in this embodiment, the resource amount of the prepaid voucher is deducted, including: The amount of reserved resources will be deducted from the amount of available resources in the above-mentioned prepaid voucher.

In practical applications, in order to improve users' awareness of prepaid vouchers, a resource amount query interface can also be opened for prepaid vouchers. In an optional implementation provided by this embodiment, the following method is used to implement resource amount query of prepaid vouchers: receive all The query request of the prepaid voucher forwarded by the payment platform; query the available resource amount of the prepaid voucher, and return the query result carrying the available resource amount to the payment platform.

It should be noted that, on the basis of realizing the query of the resource amount of the prepaid voucher, the service platform can also no longer perform resource write-off for the prepaid voucher. In this case, the above-mentioned based on the payment platform sent for the prepaid voucher payment information, perform the resource write-off step of the prepaid voucher, and determine the pre-occupied resource amount of the pre-paid voucher based on the write-off result, and create a payment order based on the pre-occupied resource amount and submit it to the payment platform , can also be replaced by: based on the payment information sent by the payment platform for the prepaid voucher, create a payment order and submit this process to the payment platform, and combine the new implementation with other processes provided by this embodiment.

In addition, in order to improve the comprehensiveness of the user's association with the prepaid voucher, in an optional implementation provided by this embodiment, the loss reporting process and/or the voucher destruction process of the prepaid voucher can also be implemented in the following manner: receiving the payment platform forwarding a request to report the loss of the prepaid voucher; freeze the access rights of the prepaid voucher, and return the loss reporting result carrying the permission freezing information obtained by freezing to the payment platform; and/or receive the prepaid voucher forwarded by the payment platform Cancellation request; transfer the account resources in the resource account of the prepaid voucher to the user's resource account, and cancel the prepaid voucher; return a cancellation result carrying resource transfer information and cancellation information to the payment platform.

Step S204: Based on the payment information sent by the payment platform for the stored-value card, the amount of the stored-value card is written off.

Step S206: Determine the pre-occupied amount of the stored-value card based on the write-off result, create a payment order based on the pre-occupied amount, and submit it to the payment platform.

Step S216: Receive the payment result of the payment order synchronized by the payment platform, and deduct the amount of the stored-value card.

Step S224: Receive the accounting payment result and the fund payment result synchronized by the payment platform, and deduct the amount of the stored-value card based on the accounting payment result.

The embodiment of a payment processing device based on a prepaid voucher provided in this specification is as follows: In the above embodiment, a payment processing method based on a prepaid voucher is provided. Correspondingly, a payment processing method based on a prepaid voucher is also provided. The payment processing device is described below with reference to the accompanying drawings.

Referring to FIG. 4 , a schematic diagram of a payment processing device based on a prepaid voucher provided in this embodiment is shown.

Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are merely illustrative.

This embodiment provides a payment processing device based on a prepaid voucher, including: a payment information sending module 402 configured to, after obtaining a payment request for a prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher; payment The order receiving module 404 is configured to receive the payment order submitted by the service platform after verifying the resources of the payment information; the payment processing module 406 is configured to determine the payment method of the payment order and process the payment according to the payment method. The payment processing is performed on the payment order; the payment result synchronization module 408 is configured to synchronize the payment result with the service platform to deduct the resource amount of the prepaid voucher.

Another embodiment of a payment processing device based on a prepaid voucher provided in this specification is as follows: In the above embodiment, another payment processing method based on a prepaid voucher is provided, and correspondingly, another payment processing method based on a prepaid voucher is provided. The payment processing device based on the prepaid voucher will be described below with reference to the accompanying drawings.

Referring to FIG. 5 , a schematic diagram of a payment processing device based on a prepaid voucher provided in this embodiment is shown.

This embodiment provides a payment processing device based on a prepaid voucher, including: a resource write-off module 502, configured to perform resource write-off of the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher; a payment order creation module 504 is configured to determine the amount of reserved resources for the prepaid voucher based on the write-off result, and to create a payment order based on the amount of reserved resources and submit it to the payment platform; the resource amount deduction module 506 is configured to receive The payment platform synchronizes the payment results of the payment order and deducts the resource amount of the prepaid voucher.

The embodiments of a payment processing device based on a prepaid voucher provided in this specification are as follows: Corresponding to the above-described payment processing method based on a prepaid voucher, based on the same technical concept, one or more embodiments of this specification also provide a payment processing method based on a prepaid voucher. Prepaid voucher-based payment processing equipment. The prepaid voucher-based payment processing equipment is used to execute the above-mentioned prepaid voucher-based payment processing method. Figure 6 shows a prepaid voucher-based payment processing provided by one or more embodiments of this specification. Structural diagram of the equipment.

This embodiment provides a payment processing device based on a prepaid voucher, including: As shown in Figure 6, the payment processing device based on a prepaid voucher may vary greatly due to different configurations or performance, and may include one or more Processor 601 and memory 602. The memory 602 may store one or more storage application programs or data. Among them, the memory 602 may be short-term storage or persistent storage. Applications stored in memory 602 may include one or more modules (not shown), each of which may include a sequence of computer-executable instructions in a prepaid voucher-based payment processing device. Further, the processor 601 may be configured to communicate with the memory 602 to execute a series of computer-executable instructions in the memory 602 on the prepaid voucher-based payment processing device. The prepaid voucher-based payment processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 606, etc.

In a specific embodiment, the payment processing device based on prepaid vouchers includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in a prepaid voucher-based payment processing device, and may be configured to execute the one or more programs by one or more processors including performing the following computer-executable instructions: Execution instructions: after obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher; receive the payment order submitted by the service platform after performing resource verification on the payment information; determine the The payment method of the payment order, and the payment processing of the payment order is carried out according to the payment method; the payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

Another embodiment of a payment processing device based on a prepaid voucher provided in this specification is as follows: Corresponding to the other payment processing method based on a prepaid voucher described above, based on the same technical concept, one or more embodiments of this specification also provide another A payment processing device based on a prepaid voucher. The payment processing device based on a prepaid voucher is used to execute the payment processing method based on a prepaid voucher provided above. Figure 7 shows a payment processing device based on a prepaid voucher provided by one or more embodiments of this specification. Structural diagram of payment processing equipment.

This embodiment provides a payment processing device based on a prepaid voucher, including: As shown in Figure 7, the payment processing device based on a prepaid voucher may vary greatly due to different configurations or performance, and may include one or more Processor 701 and memory 702. The memory 702 may store one or more storage application programs or data. Among them, the memory 702 may be short-term storage or persistent storage. Applications stored in memory 702 may include one or more modules (not shown), each of which may include a sequence of computer-executable instructions in a prepaid voucher-based payment processing device. Further, the processor 701 may be configured to communicate with the memory 702 to execute a series of computer-executable instructions in the memory 702 on the prepaid voucher-based payment processing device. The prepaid voucher based payment processing device may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, etc.

In a specific embodiment, the payment processing device based on prepaid vouchers includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in a prepaid voucher-based payment processing device, and may be configured to execute the one or more programs by one or more processors including performing the following computer-executable instructions: Execution instructions: Based on the payment information sent by the payment platform for the prepaid voucher, perform resource write-off of the prepaid voucher; determine the pre-occupied resource amount of the pre-paid voucher based on the write-off result, and create a payment order based on the pre-occupied resource amount and submit it to the payment platform; receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepayment voucher.

An example of a storage medium provided in this specification is as follows: Corresponding to the above-described payment processing method based on prepaid vouchers and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

The storage medium provided by this embodiment is used to store computer-executable instructions. When executed by a processor, the computer-executable instructions implement the following process: after obtaining a payment request for a prepaid voucher, send a payment request to the user corresponding to the prepaid voucher. The service platform sends payment information; receives the payment order submitted by the service platform after verifying the resources of the payment information; determines the payment method of the payment order, and performs payment processing on the payment order according to the payment method; The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

It should be noted that the storage medium embodiments in this specification are different from the prepaid-based storage media embodiments in this specification. The embodiment of the voucher payment processing method is based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method mentioned above, and the repeated parts will not be described again.

Another storage medium embodiment provided in this specification is as follows: Corresponding to the other payment processing method based on prepaid vouchers described above, based on the same technical concept, one or more embodiments of this specification also provide another storage medium.

The storage medium provided by this embodiment is used to store computer executable instructions. When executed by the processor, the computer executable instructions implement the following process: based on the payment information sent by the payment platform for the prepayment voucher, the resources of the prepayment voucher are processed. Write-off; determine the pre-occupied resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the pre-occupied resource amount and submit it to the payment platform; receive payment of the payment order synchronized by the payment platform As a result, the resource amount of the prepaid voucher is deducted.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method based on prepaid vouchers in this specification are based on the same inventive concept. Therefore, for the specific implementation of this embodiment, please refer to the implementation of the corresponding method mentioned above. Repeat No further details will be given.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desired results. Additionally, the processes depicted in the figures do not necessarily require the specific order shown, or sequential order, to achieve desirable results. Multitasking and parallel processing are also possible or may be advantageous in certain implementations.

In the 1930s, improvements in a technology could be clearly distinguished as hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method processes). However, with the development of technology, many improvements in today's method processes can be regarded as direct improvements in hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement of a method flow cannot be implemented using hardware entity modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic functions are determined by the user programming the device. Designers can program themselves to "integrate" a digital system on a PLD, instead of asking chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development and writing, and before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and HDL is not just one kind, but there are many, such as ABEL (Advanced Boolean Expression Language) , AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., are currently the most commonly used The two are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that by simply logically programming the method flow using the above-mentioned hardware description languages and programming it into the integrated circuit, the hardware circuit that implements the logical method flow can be easily obtained.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (eg, software or firmware) executable by the (micro)processor. , logic gates, switches, Application Specific Integrated Circuit (ASIC), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, For Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic. Those skilled in the art also know that in addition to implementing the controller in the form of pure computer-readable program code, the controller can be completely programmed with logic gates, switches, application-specific integrated circuits, programmable logic controllers and embedded logic by logically programming the method steps. Microcontroller, etc. to achieve the same function. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be considered as structures within the hardware component. Or even, the means for implementing various functions can be considered as structures within hardware components as well as software modules implementing the methods.

The systems, devices, modules or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and/or hardware.

It will be appreciated by those skilled in the art that one or more embodiments of this specification may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present disclosure may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment that combines software and hardware aspects. Furthermore, the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk memory, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The specification is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing device produce a use A device for realizing the functions specified in one process or multiple processes of the flowchart and/or one block or multiple blocks of the block diagram.

These computer program instructions may also be stored in a computer-readable memory that causes a computer or other programmable data processing apparatus to operate in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction means, the instructions The device implements the functions specified in a process or processes of the flowchart and/or a block or blocks of the block diagram.

These computer program instructions may also be loaded onto a computer or other programmable data processing device, causing a series of operating steps to be performed on the computer or other programmable device to produce computer-implemented processing, thereby executing on the computer or other programmable device. Instructions provide steps for implementing the functions specified in a process or processes of a flowchart diagram and/or a block or blocks of a block diagram.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

Memory may include non-permanent storage in computer-readable media, random access memory (RAM) and/or non-volatile memory in the form of read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer-readable media includes both persistent and non-volatile, removable and non-removable media that can be implemented by any method or technology for storage of information. Information may be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cartridges, disk storage or other magnetic storage devices, or any other non-transmission medium, may be used to store information that can be accessed by a computing device. As defined in this article, computer-readable media does not include transient computer-readable media (transitory media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprises," or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that includes a list of elements not only includes those elements, but also includes Other elements are not expressly listed or are inherent to the process, method, article or equipment. Without further limitation, an element defined by the statement "comprises a..." does not exclude the presence of additional identical elements in a process, method, article, or apparatus that includes the stated element.

One or more embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including storage devices.

Each embodiment in this specification is described in a progressive manner. The same and similar parts between the various embodiments can be referred to each other. Each embodiment focuses on its differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For relevant details, please refer to the partial description of the method embodiment.

The above description is one or more embodiments of this document and is not intended to limit this document. Various modifications and variations of this document may occur to those skilled in the art. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of this document shall be included in the scope of the claims of this document.

Claims

A payment processing method based on prepaid vouchers, including:

After obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher;

Receive the payment order submitted by the service platform after verifying the resources of the payment information;

Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method;

The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.
The payment processing method based on prepaid vouchers according to claim 1, wherein the prepaid vouchers include: any one of at least one prepaid voucher that has a binding relationship with the user account that submitted the payment request;

The binding relationship is established after the user and the payment platform sign a payment agreement for the prepaid voucher.
According to the payment processing method based on prepaid vouchers according to claim 2, the payment request is submitted after the service platform scans the payment identification of the user account; the payment identification includes: the user account on the payment platform. a first payment code, and/or a second payment code created based on the at least one prepayment voucher;

Wherein, the first payment code is accessed through a payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.
According to the payment processing method based on prepaid vouchers according to claim 2, the payment request is submitted after the payment application of the payment platform scans the payment code of the service platform, or after a sub-application of the payment application scans Submit the payment code of the service platform.
According to the payment processing method based on prepaid vouchers according to claim 1, determining the payment method of the payment order includes:

If the reserved resource amount recorded in the payment order is equal to the payment amount carried in the payment request, it is determined that the payment method is accounting payment;

The payment processing of the payment order according to the payment method includes:

Accounting payment of the payment order is performed based on the pre-occupied resource amount, and the payment result is obtained.
According to the payment processing method based on prepaid vouchers according to claim 1, determining the payment method of the payment order includes:

If the pre-occupied resource amount recorded in the payment order is less than the payment amount carried in the payment request, it is determined that the payment method is combined payment; the combined payment includes accounting payment and resource payment;

The payment processing of the payment order according to the payment method includes:

The accounting payment of the payment order is performed based on the reserved resource amount, and the resource payment of the payment order is performed based on the remaining resource amount, and the accounting payment result and the resource payment result are used as the payment result.
According to the payment processing method based on prepaid vouchers according to claim 5 or 6, the accounting payment includes updating the order status of the payment order to a paid status and generating a payment bill for the payment order;

The resource payment includes transferring resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.
According to the payment processing method based on prepaid vouchers according to claim 1, the resource account corresponding to the prepaid voucher is set on the service platform, and the prepaid resources in the resource account are managed by the service platform;

Deducting the resource amount of the prepaid voucher includes: deducting the reserved resource amount from the available resource amount of the prepaid voucher.
According to the payment processing method based on prepaid vouchers according to any one of claims 5, 6 and 8, the amount of reserved resources is determined in the following manner:

If the payment amount carried by the payment information is less than or equal to the available resource amount of the prepayment voucher, determine the payment amount as the reserved resource amount;

If the payment amount carried by the payment information is greater than the available resource amount of the prepaid voucher, the available resource amount is determined as the reserved resource amount.
The payment processing method based on prepaid vouchers according to claim 1, further comprising:

After obtaining the query request for the prepaid voucher, forward the query request to the service platform;

Receive the query result returned by the service platform carrying the amount of available resources of the prepaid voucher.
The payment processing method based on prepaid vouchers according to claim 1, wherein the prepaid vouchers include physical prepaid vouchers and electronic prepaid vouchers.
A payment processing method based on prepaid vouchers, including:

Based on the payment information sent by the payment platform for the prepaid voucher, perform resource write-off of the prepaid voucher;

Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform;

Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.
The payment processing method based on prepaid vouchers according to claim 12, wherein the prepaid vouchers include: any one of at least one prepaid voucher that has a binding relationship with the user account that submitted the payment request;

Wherein, the binding relationship is established after the user signs a payment agreement for the prepaid voucher with the payment platform.
According to the payment processing method based on prepaid vouchers according to claim 13, the payment request is submitted after the service platform scans the payment identification of the user account; the payment identification includes: the first entry of the user account on the payment platform. Payment code, and/or, a second payment code created based on the at least one prepaid voucher;

Wherein, the first payment code is accessed through a payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.
According to the payment processing method based on the prepaid voucher according to claim 12, the resource verification of the prepaid voucher based on the payment information sent by the payment platform includes:

Detect whether the payment amount carried by the payment information is less than or equal to the amount of available resources in the prepayment voucher;

If so, the write-off result is determined to be approved;

If not, the write-off result is determined to be that the write-off failed;

Determining the amount of reserved resources for the prepaid voucher based on the write-off results includes:

If the write-off result is that the write-off is passed, the payment amount will be determined as the pre-occupied resource amount;

If the write-off result is that the write-off fails, the amount of available resources is determined as the amount of reserved resources.
According to the payment processing method based on prepaid vouchers according to claim 12, the resource account corresponding to the prepaid voucher is set on a service platform, and the prepaid resources in the resource account are managed by the service platform;

Deducting the resource amount of the prepaid voucher includes deducting the reserved resource amount from the available resource amount of the prepaid voucher.
The payment processing method based on prepaid vouchers according to claim 12, further comprising:

Receive a query request for the prepaid voucher forwarded by the payment platform;

Query the available resource amount of the prepaid voucher, and return the query result carrying the available resource amount to the payment platform.
A payment processing device based on prepaid vouchers, including:

The payment information sending module is configured to, after obtaining a payment request for a prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher;

The payment order receiving module is configured to receive the payment order submitted by the service platform after verifying the resources of the payment information;

A payment processing module configured to determine the payment method of the payment order and perform payment processing on the payment order according to the payment method;

The payment result synchronization module is configured to synchronize the payment result with the service platform to reduce the resource amount of the prepaid voucher.
A payment processing device based on prepaid vouchers, including:

The resource write-off module is configured to perform resource write-off of the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher;

A payment order creation module configured to determine the amount of reserved resources for the prepaid voucher based on the write-off result, and to create a payment order based on the amount of reserved resources and submit it to the payment platform;

The resource amount deduction module is configured to receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepayment voucher.
A payment processing device based on prepaid vouchers, including:

a processor; and, a memory configured to store computer-executable instructions that, when executed, cause the processor to:

After obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher;

Receive the payment order submitted by the service platform after verifying the resources of the payment information;

Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method;

The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.
A payment processing device based on prepaid vouchers, including:

a processor; and, a memory configured to store computer-executable instructions that, when executed, cause the processor to:

Based on the payment information sent by the payment platform for the prepaid voucher, perform resource write-off of the prepaid voucher;

Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform;

Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.
A storage medium used to store computer-executable instructions that implement the following process when executed by a processor:

After obtaining the payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher;

Receive the payment order submitted by the service platform after verifying the resources of the payment information;

Determine the payment method of the payment order, and perform payment processing on the payment order according to the payment method;

The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.
A storage medium used to store computer-executable instructions that implement the following process when executed by a processor:

Based on the payment information sent by the payment platform for the prepaid voucher, perform resource write-off of the prepaid voucher;

Determine the reserved resource amount of the prepaid voucher according to the write-off result, and create a payment order based on the reserved resource amount and submit it to the payment platform;

Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.