Method for managing electronic money with valid period

Abstract

The invention provides a method for managing electronic money with a valid period. According to the method, a user can communicate with a server through a network so as to query or trade the electronic money, the server comprises a database and an application interface, and the database is used for storing data records of the electronic money with the valid period for the user in the form of a data sheet; data record sheets of the electronic money with the valid period comprise an electronic money valid period record sheet and an electronic money balance sheet, wherein the electronic money valid period record sheet comprises at least one record, and each record comprises the following data items: a record number, user ID (Identity), an electronic money amount and an amount valid period as well as record creation time; the electronic money balance sheet comprises at least one record, and each record comprises the following data items: user ID, total available balance and the type of the total available balance. The method has the advantages that a variety of processes, such as transfer, enquiry, transaction deduction, payment and refund, can be realized by only querying and increasing database records.

Description

technical field [0001] The invention relates to the field of electronic money, in particular to an electronic money management method with validity period. Background technique [0002] With the continuous development and popularization of Internet technology, the development of world information economy and globalization has made currency exchange and electronic transactions more and more frequent, thus creating electronic currency. Electronic money (Electronic Money) is based on the financial electronic network, with commercial electronic equipment and various transaction cards as the medium, with electronic computer technology and communication technology as the means, and stored in the bank's bank in the form of electronic data (binary data). In the computer system, the currency that realizes the circulation and payment functions in the form of electronic information transmission through the computer network system. It can replace the monetary system that uses cash tran...

AI Technical Summary

Problems solved by technology

but this would put a heavy load on the system

[0006] 2. When a user needs to transfer electronic money with a validity period (for example, to other users), the existing electronic money management system cannot solve the part with a validity period in the balance, and can only transfer the account without a validity period balance balance of

Because there may be a large number of database operations in the calculation and update required when transferring money, which will slow down or even bring down the entire payment system

[0007] 3. The existing deduction procedure simply deducts the user's amount, and the user does not know when the balance will be deducted

And if the user's balance changes during the deduction process, the deduction may fail

Before deduction, there is no reminder to the user when and how much money will be due

[0008] 4. When the user wants to extend the validity period of the balance by recharging, the existing method requires manual supervision on the amount and validity period, which is inefficient and lacks unified and effective management

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