Stored Value Card Management Method, Terminal Device and Storage Medium

Abstract

The present application discloses a stored value card management method, a terminal device, and a storage medium, belonging to the technical field of blockchain management. When receiving a stored value card operation request, the present application sends the stored value card operation request to a blockchain system, and the blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result. Among them, the operations corresponding to the stored value card operation request include the recharge of the stored value card, the deduction of the stored value card, and the cancellation of the stored value card; receiving the verification result returned by the blockchain system; when the verification result is verification successful, operating the stored value card based on a preset operation rule and the transaction information, and writing the operation result into the blockchain system, which solves the problem that the transaction data of the stored value card is easily tampered with due to manual accounting, and improves the security of the transaction data by the way of strongly consistent entry into the blockchain.

Description

Technical Field

[0001] This application relates to the field of blockchain management technology, and in particular, to a method for managing stored value cards, a terminal device, and a storage medium. Background Art

[0002] A stored value card is a prepaid wallet debit card issued by a bank that transfers the cardholder's funds to the card for storage according to the cardholder's request, and directly deducts the funds from the card during transactions. Currently, stored value cards are mainly implemented in a centralized accounting form, mainly realizing the functions of storing value and deduction by recording recharge and consumption in an accounting form. However, there are obvious defects in implementing stored value card transactions in an accounting form, that is, the balance and transaction record data of each stored value card can be tampered with, and the traceability is unreliable. When the platform, merchants, and consumers reconcile accounts, there is no transparency.

[0003] The above content is only used to assist in understanding the technical solution of the present invention, and does not represent an admission that the above content is prior art. Summary of the Invention

[0004] Embodiments of this application provide a method for managing stored value cards, a terminal device, and a storage medium, aiming to solve the problem that the transaction data of stored value cards is easily tampered with due to manual accounting.

[0005] Embodiments of this application provide a method for managing stored value cards, the method for managing stored value cards includes:

[0006] When a stored value card operation request is received, sending the stored value card operation request to a blockchain system, and the blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result, where the operations corresponding to the stored value card operation request include recharge of the stored value card, deduction of the stored value card, and cancellation of the stored value card;

[0007] Receiving the verification result returned by the blockchain system;

[0008] When the verification result is successful, operating the stored value card based on a preset operation rule and the transaction information, and writing the operation result into the blockchain system.

[0009] In this embodiment, the step of sending the stored value card operation request to the blockchain system when a stored value card operation request is received includes:

[0010] When a stored value card operation request is received, detecting whether the merchant information of the stored value card is associated with the stored value card system;

[0011] When the merchant information is associated with the stored value card system, sending the stored value card operation request to the blockchain system.

[0012] In this embodiment, after the step of detecting whether the merchant information of the stored value card is associated with the stored value card system when receiving a stored value card operation request, the following steps are further included:

[0013] When the merchant information is not associated with the stored value card system, generate a token according to the merchant information, and associate the merchant information and the token;

[0014] Send the token to the stored value card system, so that the merchant information is associated with the stored value card system, and execute the step of sending the stored value card operation request to the blockchain system when the merchant information is associated with the stored value card system.

[0015] In this embodiment, after the step of, when the verification result is verification success, operating the stored value card based on a preset operation rule and the transaction information and writing the operation result into the blockchain system, the following steps are further included:

[0016] When no operation corresponding to the merchant information is received within a preset time period, delete the token associated with the merchant information.

[0017] In this embodiment, the step in which the blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result includes:

[0018] The blockchain system performs a verification action on the transaction information in the stored value card operation request through a smart contract and returns a verification result.

[0019] In this embodiment, the step of, when the verification result is verification success, operating the stored value card based on a preset operation rule and the transaction information and writing the operation result into the blockchain system includes:

[0020] When the verification result is verification success, obtain verification information, send the verification information to the blockchain system, and the blockchain system performs a verification action on the verification information through a smart contract and returns a verification result;

[0021] Receive the verification result returned by the blockchain system;

[0022] When the verification result is verification success, perform an operation to cancel the stored value card based on a preset operation rule and the transaction information, and write the operation result into the blockchain system.

[0023] In this embodiment, after the step of, when the verification result is verification success, operating the stored value card based on a preset operation rule and the transaction information and writing the operation result into the blockchain system, the following steps are further included:

[0024] Obtain the block height in the blockchain system;

[0025] When the block height increases, obtain the transaction information of the newly added blockchain nodes;

[0026] Save the transaction information to the stored value card database, and broadcast the transaction information to other blockchain nodes except the newly added blockchain nodes, so that the other blockchain nodes save the transaction information to the corresponding stored value card database.

[0027] In this embodiment, before the step of sending the stored value card operation request to the blockchain system when receiving the stored value card operation request, it further includes:

[0028] When receiving a stored value card opening request, obtain the merchant information of the stored value card opening request;

[0029] Input the merchant information into the risk control model to obtain the merchant recharge limit and the merchant risk exposure limit;

[0030] When both the merchant recharge limit and the merchant risk exposure limit meet the stored value card opening conditions, complete the opening of the stored value card, and send the opened stored value card and the merchant information to the blockchain system.

[0031] In addition, to achieve the above object, the present application further provides a terminal device including: a memory, a processor, and a stored value card management program stored on the memory and executable on the processor. When the stored value card management program is executed by the processor, the steps of the above-mentioned stored value card management method are implemented.

[0032] In addition, to achieve the above object, the present application further provides a storage medium, on which a stored value card management program is stored. When the stored value card management program is executed by a processor, the steps of the above-mentioned stored value card management method are implemented.

[0033] In the technical solution of a stored value card management method, a terminal device, and a storage medium provided in the embodiments of the present application, when the terminal device receives a stored value card operation request, it sends the stored value card operation request to the blockchain system, and the blockchain system verifies the transaction information in the stored value card operation request; after the blockchain system verifies the transaction information, it feeds back the verification result to the terminal device, and the terminal device performs operations such as recharging, deducting, and canceling the stored value card based on a preset operation rule and the transaction information, and further writes the operation result into the blockchain system. The technical solution solves the problem that the stored value card transaction data is easily tampered with due to manual accounting, improves the security of transaction data through the method of strongly consistent entry into the blockchain, and realizes the public transparency of transaction data during reconciliation. Description of the Drawings

[0034] Figure 1 It is a schematic structural diagram of the hardware operating environment involved in the solution of the embodiment of the present application;

[0035] Figure 2 It is a system schematic diagram of the stored value card management method of the present application;

[0036] Figure 3 It is a schematic flowchart of the first embodiment of the stored value card management method of the present application;

[0037] Figure 4 It is a schematic diagram of the overall operation process of the stored value card of the stored value card management method of the present application;

[0038] Figure 5 It is a timing diagram of the recharge of the stored value card of the stored value card management method of the present application;

[0039] Figure 6 It is a schematic flowchart after step S130 of the first embodiment of the stored value card management method of the present application;

[0040] Figure 7 It is a schematic flowchart before step S110 of the first embodiment of the stored value card management method of the present application;

[0041] The realization, functional features and advantages of the purpose of the present application will be further described in combination with the embodiments with reference to the accompanying drawings. The above accompanying drawings are only diagrams of one embodiment and not all of the invention. Detailed Embodiments

[0042] In order to better understand the above technical solutions, the exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided so that the present disclosure can be more thoroughly understood and the scope of the present disclosure can be completely conveyed to those skilled in the art.

[0043] As Figure 1 shown, Figure 1 It is a schematic structural diagram of the hardware operating environment involved in the solution of the embodiment of the present application.

[0044] It should be noted that Figure 1 it can be a schematic structural diagram of the hardware operating environment of the terminal device.

[0045] As Figure 1As shown in the figure, the terminal device may include: a processor 1001, such as a CPU, a memory 1005, a merchant interface 1003, a network interface 1004, and a communication bus 1002. Among them, the communication bus 1002 is used to implement connection communication between these components. The merchant interface 1003 may include a display screen (Display) and an input unit such as a keyboard (Keyboard). Optionally, the merchant interface 1003 may further include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0046] Those skilled in the art can understand that Figure 1 the terminal device structure shown in does not constitute a limitation on the terminal device and may include more or fewer components than shown in the figure, or combine certain components, or have a different component layout.

[0047] As Figure 1 shown, in the memory 1005 as a storage medium, there may be included an operating system, a network communication module, a merchant interface module, and a stored value card management program. Among them, the operating system is a program for managing and controlling the hardware and software resources of the terminal device, and the stored value card management program and the operation of other software or programs.

[0048] In Figure 1 the terminal device shown, the merchant interface 1003 is mainly used to connect to the terminal and perform data communication with the terminal; the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server; the processor 1001 may be used to call the stored value card management program stored in the memory 1005.

[0049] In this embodiment, the terminal device includes: a memory 1005, a processor 1001, and a stored value card management program stored on the memory and executable on the processor, where:

[0050] When the processor 1001 calls the stored value card management program stored in the memory 1005, it performs the following operations:

[0051] When receiving a stored value card operation request, send the stored value card operation request to the blockchain system, and the blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result. Among them, the operations corresponding to the stored value card operation request include the recharge of the stored value card, the deduction of the stored value card, and the cancellation of the stored value card;

[0052] Receive the verification result returned by the blockchain system;

[0053] When the verification result is successful, operate the stored value card based on the preset operation rules and the transaction information, and write the operation result into the blockchain system.

[0054] When the processor 1001 calls the stored value card management program stored in the memory 1005, the following operations are also performed:

[0055] When receiving a stored value card operation request, detect whether the merchant information of the stored value card is associated with the stored value card system;

[0056] When the merchant information is associated with the stored value card system, send the stored value card operation request to the blockchain system.

[0057] When the processor 1001 calls the stored value card management program stored in the memory 1005, the following operations are also performed:

[0058] When the merchant information is not associated with the stored value card system, generate a token according to the merchant information, and associate the merchant information and the token;

[0059] Send the token to the stored value card system, so that the merchant information is associated with the stored value card system, and execute the step of sending the stored value card operation request to the blockchain system when the merchant information is associated with the stored value card system.

[0060] When the processor 1001 calls the stored value card management program stored in the memory 1005, the following operations are also performed:

[0061] When no operation corresponding to the merchant information is received within the preset duration, delete the token associated with the merchant information.

[0062] When the processor 1001 calls the stored value card management program stored in the memory 1005, the following operations are also performed:

[0063] The blockchain system performs a verification action on the transaction information in the stored value card operation request through a smart contract and returns a verification result.

[0064] When the processor 1001 calls the stored value card management program stored in the memory 1005, the following operations are also performed:

[0065] When the verification result is successful, obtain verification information, send the verification information to the blockchain system, and the blockchain system performs a verification action on the verification information through a smart contract and returns a verification result;

[0066] Receive the verification result returned by the blockchain system;

[0067] When the verification result is successful, perform the operation of canceling the stored-value card based on the preset operation rules and the transaction information, and write the operation result into the blockchain system.

[0068] When the processor 1001 calls the stored-value card management program stored in the memory 1005, the following operations are also performed:

[0069] Obtain the block height in the blockchain system;

[0070] When the block height increases, obtain the transaction information of the newly added blockchain node;

[0071] Save the transaction information to the stored-value card database, and broadcast the transaction information to other blockchain nodes except the newly added blockchain node, so that the other blockchain nodes save the transaction information to the corresponding stored-value card database.

[0072] When the processor 1001 calls the stored-value card management program stored in the memory 1005, the following operations are also performed:

[0073] When receiving a stored-value card activation request, obtain the merchant information of the stored-value card activation request;

[0074] Input the merchant information into the risk control model to obtain the merchant recharge limit and the merchant risk exposure limit;

[0075] When both the merchant recharge limit and the merchant risk exposure limit meet the stored-value card activation conditions, complete the activation of the stored-value card, and send the activated stored-value card and the merchant information to the blockchain system.

[0076] The embodiments of the present application provide embodiments of the stored-value card management method. It should be noted that although the logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than here.

[0077] In the present application, the present application includes the full-process stored-value card services from the activation, recharge, deduction, and cancellation of the stored-value card. It mainly includes: the consumer side, that is, the aggregated payment cashier page, the stored-value card system, and the blockchain stored-value card trading platform; among them, the stored-value card system includes the stored-value card service and the database. Refer to Figure 2 , Figure 2This is a schematic diagram of the system architecture of the stored value card management method of the present application. The stored value card system is an independent stored value card system, and a series of transaction behaviors of the stored value card are realized through a strong entry chain form. The stored value card system completes the on-chain of transaction data and judges whether each transaction is legal by calling a smart contract. The blockchain stored value card trading platform is a blockchain system composed of multiple nodes, and a smart contract for processing stored value card information is deployed. The blockchain system uses a permissioned access consortium chain system. The blockchain system includes multiple blockchain consensus nodes. Each node synchronizes and confirms block data based on the selected consensus algorithm, and each node stores a complete block data. The consensus algorithm supports PBFT, Raft, and RPBFT algorithms. The blockchain nodes are separately deployed and implemented by the consortium chain access institutions to achieve the effect of node decentralization. In the blockchain stored value card trading platform of the present application, a stored value card smart contract is also deployed. The smart contract is used to process business logics such as stored value card recharge, deduction, and cancellation, and upload the final processed data to the chain. The stored value card system operates and queries the stored value card data on the blockchain by calling the smart contract.

[0078] As Figure 3 shown, in the first embodiment of the present application, the stored value card management method of the present application includes the following steps:

[0079] Step S110, when a stored value card operation request is received, send the stored value card operation request to the blockchain system. The blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result. Among them, the operations corresponding to the stored value card operation request include recharge of the stored value card, deduction of the stored value card, and cancellation of the stored value card.

[0080] Step S120, receive the verification result returned by the blockchain system.

[0081] Step S130, when the verification result is verification success, operate the stored value card based on the preset operation rules and the transaction information, and write the operation result into the blockchain system.

[0082] In this embodiment, it is applied to a terminal device, and the terminal device can be a smart phone or a smart computer and other devices. The terminal device of the present application includes a stored value card system, and corresponding operations are performed on the stored value card system.

[0083] Optionally, when the stored value card system of the present application receives a stored value card operation request, it detects whether the merchant information of the stored value card is associated with the stored value card system; when the merchant information is associated with the stored value card system, it sends the stored value card operation request to the blockchain system. The blockchain system performs a verification action on the transaction information in the stored value card operation request through a smart contract and returns a verification result to the stored value card system. When the verification result is successful verification, it operates the stored value card based on a preset operation rule and the transaction information, and writes the operation result into the blockchain system. Among them, the transaction information may be information such as the number of valid trading days in the current month, the valid trading amount in the current month, the average number of valid transactions per month in the current month, the number of valid trading days in the past 3 months, the valid trading amount in the past 3 months, and the average number of valid transactions per month in the past 3 months.

[0084] Optionally, when the merchant information is not associated with the stored value card system, a token is generated according to the merchant information, and the merchant information and the token are associated; the token is sent to the stored value card system to associate the merchant information with the stored value card system; when the merchant information is associated with the stored value card system, the stored value card operation request is sent to the blockchain system. The blockchain system performs a verification action on the verification information through a smart contract and returns a verification result; receives the verification result returned by the blockchain system; when the verification result is successful verification, it performs the operation of canceling the stored value card based on a preset operation rule and the transaction information, and writes the operation result into the blockchain system.

[0085] Optionally, when no operation corresponding to the merchant information is received within a preset duration, the token associated with the merchant information is deleted.

[0086] In this embodiment, the operations corresponding to the stored value card operation request include stored value card recharge, stored value card deduction, and cancellation of the stored value card.

[0087] Refer to Figure 4 , Figure 4 which is a schematic diagram of the overall operation process of the stored value card of the present application. The operation process of the stored value card will be introduced separately below:

[0088] First, when the stored value card system receives a stored value card recharge request, it sends the stored value card recharge request to the blockchain system. The blockchain system performs a verification action on the transaction information in the stored value card recharge request and returns the verification result to the stored value card system; when the stored value card system receives the verification result returned by the blockchain system and the verification result is successful verification, it recharges the stored value card using a preset recharge rule and the transaction information, writes the recharge result into the blockchain system, and records the recharge result in the stored value card database of the stored value card system at the same time.

[0089] In a specific application scenario, referring to Figure 5 , Figure 5 is the recharge timing diagram of the stored-value card for the stored-value card management method of this application. Consumers scan the QR code provided by the fixed-code background of the stored-value card system through the cashier page. The fixed-code background redirects to the cashier page and receives the merchant information request from the cashier page. After receiving the merchant information request, the fixed-code background establishes a connection with the third-party platform and obtains the merchant information. Among them, the third-party platform can be WeChat, Alipay, etc., and the third-party platform can also be determined according to the actual situation. After receiving the merchant information, the fixed-code background returns the merchant information to the cashier page. After receiving the merchant information feedback from the fixed-code background, the cashier page queries the stored-value card balance information of the users under this merchant from the stored-value card service of the stored-value card system and receives the recharge package list returned by the stored-value card system. After receiving the recharge package list returned by the stored-value card service, the user places an order and stores the recharge information in the blockchain trading system. The blockchain trading system returns the initial order to the cashier page. After receiving the initial order returned by the blockchain trading system, the cashier page executes user payment through the third-party platform. After completing the payment, the third-party platform returns the payment result to the cashier page. At the same time, the third-party platform will also return the payment result to the blockchain trading system. After receiving the payment result, the blockchain trading system sends the payment result to the stored-value card service. The stored-value card service legally purchases the package according to the payment result, thereby completing the stored-value card recharge. After completing the stored-value card recharge, the stored-value card service writes the recharge result into the blockchain system.

[0090] Second, when the stored-value card system receives a stored-value card deduction request, it sends the stored-value card deduction request to the blockchain system. The blockchain system performs a verification action on the transaction information in the stored-value card deduction request and returns the verification result to the stored-value card system. After receiving the verification result returned by the blockchain system and when the verification result is successful, the stored-value card system deducts the stored-value card using the preset deduction rule and the transaction information, writes the deduction result into the blockchain system, and at the same time records the deduction result in the stored-value card database of the stored-value card system.

[0091] In a specific application scenario, the consumer scans the QR code provided by the fixed-code background of the stored-value card system through the cashier page. The fixed-code background redirects to the cashier page and receives the merchant information request from the cashier page. After receiving the merchant information request, the fixed-code background establishes a connection with the third-party platform and obtains the merchant information. After receiving the merchant information, the fixed-code background returns the merchant information to the cashier page. At the same time, the fixed-code background sends the generated token to the cashier page. After receiving the merchant information feedback from the fixed-code background, the cashier page queries the stored-value card balance information of the user under the merchant from the stored-value card service of the stored-value card system. After receiving the stored-value card balance information returned by the stored-value card service, the cashier page sends a stored-value card deduction order to the stored-value card service. The stored-value card service returns the deduction order result to the cashier page, and sends a stored-value card deduction payment to the stored-value card service, thus completing the stored-value card deduction. After completing the stored-value card deduction, the stored-value card service sends the stored-value card deduction result to the blockchain system for storage. At the same time, the deduction result is recorded in the stored-value card database of the stored-value card system.

[0092] Third, when the stored-value card system receives a stored-value card cancellation request, it sends the stored-value card cancellation request to the blockchain system. The blockchain system performs a verification action on the transaction information in the stored-value card cancellation request and returns the verification result to the stored-value card system. After receiving the verification result returned by the blockchain system and when the verification result is successful, the stored-value card system obtains the verification information, sends the verification information to the blockchain system. The blockchain system performs a verification action on the verification information through a smart contract and returns the verification result; receives the verification result returned by the blockchain system; when the verification result is successful, based on the preset operation rules, it performs the operation of canceling the stored-value card and writes the cancellation result into the blockchain system. At the same time, the cancellation result is recorded in the stored-value card database of the stored-value card system.

[0093] In a specific application scenario, when the stored-value card management system receives a stored-value card cancellation request, it determines the stored-value card information to be cancelled and sends verification information to the user; where the verification information can be a SMS verification code and can also be set according to the actual situation. The verification information is sent to the blockchain system, and the blockchain system verifies the verification information through a smart contract and returns the verification result. The stored-value card system receives the verification result returned by the blockchain system. When the verification result is successful, it cancels the stored-value card according to the preset operation rules and writes the cancellation result into the blockchain system. At the same time, the cancellation result is recorded in the stored-value card database of the stored-value card system.

[0094] In this embodiment, according to the above technical solution, when a stored value card operation request is received, the stored value card operation request is sent to the blockchain system, and the transaction information in the stored value card operation request is verified by the blockchain system; after the blockchain system verifies the transaction information, the verification result is fed back to the terminal device, and the terminal device performs operations such as recharging, deducting, and canceling the stored value card based on a preset operation rule and the transaction information, and further writes the operation result into the blockchain system, which solves the problem that the stored value card transaction data is easily tampered with due to manual accounting, and improves the security of transaction data by the method of strongly consistent entry into the blockchain.

[0095] As Figure 6 shown, in the second embodiment of the present application, based on the steps after step S130 of the first embodiment, the stored value card management method of the present application includes the following steps:

[0096] Step S210, obtaining the block height in the blockchain system;

[0097] Step S220, when the block height increases, obtaining the transaction information of the newly added blockchain node;

[0098] Step S230, saving the transaction information to the stored value card database, and broadcasting the transaction information to other blockchain nodes except the newly added blockchain node, so that the other blockchain nodes save the transaction information to the corresponding stored value card database.

[0099] In this embodiment, the block height is the number of blocks linked to the main chain of the blockchain, that is, the number of blocks connected to the blockchain, and the block height can also represent the position of the block in the blockchain. The stored value card database is used to store the data submitted and shared by the stored value card system itself, as well as to synchronize and store the data shared by other stored value card systems. At the same time, it regularly monitors the growth of the block height in the blockchain system, reads out the newly added block data, and traverses and interprets all the transaction information in each block. These transaction information are the transaction information of the stored value card, and the interpreted transaction data is stored in the corresponding stored value card database for instant reconciliation. At the same time, the transaction data is broadcast to other blockchain nodes, so that the other blockchain nodes save the transaction information to the corresponding stored value card database.

[0100] In this embodiment, according to the above technical solution, by using the consensus mechanism of the blockchain, a safe and reliable online recharge and deduction type transaction channel can be constructed, making the transaction data public and transparent during reconciliation.

[0101] As Figure 7As shown, in the third embodiment of the present application, before step S110 of the first embodiment, the stored value card management method of the present application includes the following steps:

[0102] Step S310, when receiving a stored value card activation request, obtain the merchant information of the stored value card activation request.

[0103] Step S320, input the merchant information into the risk control model to obtain the merchant recharge limit and the merchant risk exposure limit.

[0104] Step S330, when both the merchant recharge limit and the merchant risk exposure limit meet the stored value card activation conditions, complete the activation of the stored value card, and send the activated stored value card and the merchant information to the blockchain system.

[0105] In this embodiment, before performing operations such as recharging, deducting, and canceling the stored value card, it is necessary to first activate the stored value card. When activating the stored value card, the present application screens merchants that meet the activation conditions of the stored value card through a stored value card risk control model, thereby improving the credit quality of stored value card merchants and reducing the risk of consumer rights and interests. Specifically, when receiving a stored value card activation request, the stored value card system entrance is in an open state, and merchant information is obtained according to the stored value card activation request; wherein, the merchant information includes merchant materials, basic materials, and merchant transaction data.

[0106] In this embodiment, during the process of activating the stored value card, the verification is mainly divided into the following two parts:

[0107] First, verify the merchant materials and the basic materials. Among them, the merchant materials at least include merchant number, merchant short name, shop owner name, gender, ethnicity, registered mobile phone number, settlement card mobile phone number, and ID card number; the basic materials include the front and back of the ID card, ID card photo held, bank card photo, business license, business permit, storefront photo, and business premises photo; face recognition authentication, fingerprint recognition authentication, etc. can also be performed on the merchant.

[0108] Second, after verifying the merchant materials and the basic materials, verify the merchant transaction data. Input the merchant transaction data into the risk control model to obtain a white list of merchants that meet the stored value card activation conditions, the merchant recharge limit, and the merchant risk exposure limit. Among them, the merchant transaction data includes the average number of transactions per merchant within a certain period of time, transaction proportion distribution, monthly transaction fluctuation, transaction volume distribution, transaction volatility distribution, recent transaction situation distribution, repurchase, etc. The merchant recharge limit represents the maximum amount that a merchant can recharge, and the merchant recharge limit is obtained by multiplying the number of monthly recharges, the maximum number of consumer transactions under the merchant by a preset coefficient. The merchant risk exposure limit is obtained by multiplying the monthly transaction amount of the merchant by a preset coefficient.

[0109] In this embodiment, after obtaining the merchant recharge limit and the merchant risk exposure limit, it is determined whether both the merchant recharge limit and the merchant exposure limit meet the stored value card activation conditions; for example, corresponding preset thresholds can be set, and when both the merchant recharge limit and the merchant exposure limit reach the preset thresholds, it is determined that the stored value card activation conditions are met, and the activation of the stored value card is completed. After the activation of the stored value card is completed, the activated stored value card and the merchant information of the merchant to which the stored value card belongs are sent to the blockchain system for on-chain storage, so that subsequent transactions using the stored value card for recharge and deduction are traceable.

[0110] According to the above technical solution of this embodiment, since the technical means of sending the merchant information in the stored value card activation request to the risk control model for verification when receiving the stored value card activation request, and after successful verification, completing the activation of the stored value card and storing the value card on-chain is adopted, the credit quality of the stored value card merchant is improved, and the risk of consumer rights and interests is reduced.

[0111] Based on the same inventive concept, the embodiment of the present application also provides a storage medium, which stores a stored value card management program. When the stored value card management program is executed by a processor, it implements each step of the stored value card management as described above and can achieve the same technical effect. To avoid repetition, it will not be elaborated here.

[0112] Since the storage medium provided by the embodiment of the present application is the storage medium used to implement the method of the embodiment of the present application, based on the method introduced in the embodiment of the present application, those skilled in the art can understand the specific structure and variations of the storage medium, so it will not be elaborated here. Any storage medium used in the method of the embodiment of the present application belongs to the scope protected by the present application.

[0113] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0114] This application is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the present application. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices generate means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0115] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0116] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0117] It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in the claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. This application can be implemented by means of hardware including several different elements and by means of a suitably programmed computer. In a unit claim listing several means, several of these means can be embodied by the same item of hardware. The use of the words first, second, and third, etc. does not denote any order. These words can be interpreted as names.

[0118] Although the preferred embodiments of the present application have been described, those skilled in the art can make additional changes and modifications once they learn the basic creative concept. Therefore, the appended claims are intended to be construed to include the preferred embodiments as well as all changes and modifications falling within the scope of the present application.

[0119] Obviously, those skilled in the art can make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalent technologies, this application is also intended to cover these changes and modifications.

Claims

1. A stored-value card management method, characterized in that, The stored value card management method includes: When receiving a stored value card activation request, obtaining the merchant information of the stored value card activation request; Inputting the merchant information into a risk control model to obtain the merchant recharge limit and the merchant risk exposure limit, where the risk control model is used to screen merchants eligible for activating stored value cards; When both the merchant recharge limit and the merchant risk exposure limit meet the stored value card activation conditions, complete the activation of the stored value card, and send the activated stored value card and the merchant information to the blockchain system, where the merchant information includes merchant materials, basic materials, and merchant transaction data; When receiving a stored value card operation request, send the stored value card operation request to the blockchain system, and the blockchain system performs a verification action on the transaction information in the stored value card operation request and returns a verification result, where the operations corresponding to the stored value card operation request include recharge of the stored value card, deduction of the stored value card, and cancellation of the stored value card; Receive the verification result returned by the blockchain system; When the verification result is verification success, obtain verification information, send the verification information to the blockchain system, and the blockchain system performs a verification action on the verification information through a smart contract and returns a verification result; Receive the verification result returned by the blockchain system; When the verification result is verification success, perform the operation of canceling the stored value card based on a preset operation rule and the transaction information, and write the operation result into the blockchain system, where the preset operation rules corresponding to different stored value card operation requests are different; Obtain the block height in the blockchain system; When the block height increases, obtain the transaction information of the newly added blockchain node; Save the transaction information to the stored value card database, and broadcast the transaction information to other blockchain nodes except the newly added blockchain node, so that the other blockchain nodes save the transaction information to the corresponding stored value card database.

2. The method according to claim 1, characterized in that, The step of, when receiving a stored value card operation request, sending the stored value card operation request to the blockchain system includes: When receiving a stored value card operation request, detecting whether the merchant information of the stored value card is associated with the stored value card system; When the merchant information is associated with the stored value card system, send the stored value card operation request to the blockchain system.

3. The method according to claim 2, wherein After the step of, when receiving a stored value card operation request, detecting whether the merchant information of the stored value card is associated with the stored value card system, it further includes: When the merchant information is not associated with the stored value card system, generate a token according to the merchant information, and associate the merchant information and the token; Send the token to the stored value card system, so that the merchant information is associated with the stored value card system, and perform the step of, when the merchant information is associated with the stored value card system, sending the stored value card operation request to the blockchain system.

4. The method according to claim 3, characterized in that, After the step of, when the verification result is verification success, operating the stored value card based on a preset operation rule and the transaction information, and writing the operation result into the blockchain system, it further includes: When no operation corresponding to the merchant information is received within a preset duration, delete the token associated with the merchant information.

5. The method according to claim 1, wherein The steps for the blockchain system to perform a verification action on the transaction information in the stored-value card operation request and return a verification result include: The blockchain system performs a verification action on the transaction information in the stored-value card operation request through a smart contract and returns a verification result.

6. A terminal device, characterized in that, The terminal device includes: a memory, a processor, and a stored-value card management program stored on the memory and executable on the processor. When the stored-value card management program is executed by the processor, it implements the steps of the stored-value card management method according to any one of claims 1-5.

7. A storage medium, characterized in that, Stored thereon is a stored-value card management program. When the stored-value card management program is executed by a processor, it implements the steps of the stored-value card management method according to any one of claims 1-5.

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