Payment processing method and apparatus based on pre-paid vouchers

Abstract

The embodiment of the present specification provides a payment processing method and device based on a prepaid voucher, wherein the payment processing method based on the prepaid voucher comprises the following steps: after obtaining a payment request for a prepaid voucher, sending payment information to a service platform corresponding to the prepaid voucher; receiving a payment order submitted by the service platform after the service platform performs resource cancellation on the payment information; determining a payment method of the payment order, and performing payment processing on the payment order according to the payment method; and synchronizing a payment result to the service platform to deduct the resource of the prepaid voucher.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a payment processing method and apparatus based on prepaid vouchers. Background Technology

[0002] With the development of internet technology and the popularization of mobile terminals, more and more services are extending to online scenarios. For example, online payment and service reservation are becoming more and more frequent and convenient in online scenarios. 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 increasing, which poses a greater challenge to online service providers. Summary of the Invention

[0003] This specification provides one or more embodiments of a payment processing method based on prepaid vouchers, comprising: after receiving a payment request for a prepaid voucher, sending payment information to the service platform corresponding to the prepaid voucher; receiving a payment order submitted by the service platform after resource verification of the payment information; determining the payment method of the payment order and processing the payment order according to the payment method; and synchronizing the payment result with the service platform to deduct the resource amount of the prepaid voucher.

[0004] This specification provides one or more embodiments of another payment processing method based on prepaid vouchers, including: performing resource verification of the prepaid voucher based on payment information sent by the payment platform for the prepaid voucher; determining the pre-allocated resource amount of the prepaid voucher based on the verification result, and creating a payment order based on the pre-allocated resource amount and submitting it to the payment platform; receiving the payment result of the payment order synchronized by the payment platform, and deducting the resource amount of the prepaid voucher.

[0005] This specification provides one or more embodiments of a payment processing apparatus based on prepaid vouchers, comprising: a payment information sending module configured to send payment information to a service platform corresponding to the prepaid voucher after receiving a payment request for the prepaid voucher; a payment order receiving module configured to receive a payment order submitted by the service platform after resource verification of the payment information; a payment processing module configured to determine the payment method of the payment order and process the payment order according to the payment method; and a payment result synchronization module configured to synchronize the payment result with the service platform to deduct the resource amount of the prepaid voucher.

[0006] This specification provides one or more embodiments of another payment processing apparatus based on prepaid vouchers, including: a resource verification module configured to perform resource verification of the prepaid voucher based on payment information sent by the payment platform for the prepaid voucher; a payment order creation module configured to determine the pre-allocated resource amount of the prepaid voucher based on the verification result, and to create a payment order based on the pre-allocated resource amount and submit it to the payment platform; and a resource amount deduction module configured to receive the payment result of the payment order synchronized by the payment platform and deduct the resource amount of the prepaid voucher.

[0007] This specification provides one or more embodiments of a payment processing device based on prepaid vouchers, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: upon receiving a payment request for a prepaid voucher, send payment information to a service platform corresponding to the prepaid voucher; receive a payment order submitted by the service platform after resource verification of the payment information; determine the payment method of the payment order and process the payment order according to the payment method; and synchronize the payment result with the service platform to deduct the resource amount of the prepaid voucher.

[0008] This specification provides one or more embodiments of another payment processing device based on prepaid vouchers, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: perform resource verification of the prepaid voucher based on payment information sent by a payment platform for the prepaid voucher; determine the pre-allocated resource amount of the prepaid voucher based on the verification result, and create a payment order based on the pre-allocated 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.

[0009] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: Upon receiving a payment request for a prepaid voucher, sending payment information to the service platform corresponding to the prepaid voucher; receiving a payment order submitted by the service platform after resource verification of the payment information; determining the payment method for the payment order and processing the payment order according to the payment method; and synchronizing the payment result with the service platform to deduct the resource amount of the prepaid voucher.

[0010] This specification provides one or more embodiments of another storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: performing resource verification of the prepaid voucher based on payment information sent by a payment platform for the prepaid voucher; determining the pre-allocated resource amount of the prepaid voucher based on the verification result, and creating a payment order based on the pre-allocated resource amount and submitting it to the payment platform; receiving the payment result of the payment order synchronized by the payment platform, and deducting the resource amount of the prepaid voucher. Attached Figure Description

[0011] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0012] Figure 1 A flowchart illustrating a payment processing method based on prepaid vouchers, provided for one or more embodiments of this specification;

[0013] Figure 2 A timing diagram of a payment processing method based on prepaid vouchers applied to a merchant stored-value card scenario, provided for one or more embodiments of this specification;

[0014] Figure 3 A flowchart illustrating another payment processing method based on prepaid vouchers provided in one or more embodiments of this specification;

[0015] Figure 4 A schematic diagram of a payment processing device based on prepaid vouchers provided for one or more embodiments of this specification;

[0016] Figure 5 A schematic diagram of another payment processing device based on prepaid vouchers provided for one or more embodiments of this specification;

[0017] Figure 6 A schematic diagram of the structure of a payment processing device based on prepaid vouchers provided for one or more embodiments of this specification;

[0018] Figure 7 This is a schematic diagram of another payment processing device based on prepaid vouchers, provided for one or more embodiments of this specification. Detailed Implementation

[0019] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0020] This specification provides an example of a payment processing method based on prepaid vouchers:

[0021] The payment processing method based on prepaid vouchers provided in this application starts with a payment request for a prepaid voucher, sends the corresponding payment information to the prepaid voucher service platform, and upon receiving the payment order submitted by the service platform, first determines the payment method of the payment order, then processes the payment order according to the determined payment method, and sends the payment result obtained from the payment processing to the service platform. Based on the payment result, the resource amount of the prepaid voucher is deducted, thereby ensuring the consistency between the resource amount of the prepaid voucher and the order payment data. At the same time, it makes the payment methods of prepaid vouchers more diversified, and users are more flexible in actually making payments based on prepaid vouchers.

[0022] Reference Figure 1 The payment processing method based on prepaid vouchers provided in this embodiment specifically includes steps S102 to S108.

[0023] Step S102: After receiving a payment request for the prepaid voucher, send payment information to the service platform corresponding to the prepaid voucher.

[0024] The prepaid voucher described in this embodiment refers to a voucher issued through a specific medium and in a specific form, which can be used to purchase goods or services at a specific institution. Furthermore, this voucher often has the characteristic of requiring prepayment before use for consumption; hence the name "prepaid voucher." Optionally, the prepaid voucher includes physical prepaid vouchers carried by a physical medium, and / or electronic prepaid vouchers carried by an electronic voucher. Examples include physical stored-value cards and electronic stored-value cards.

[0025] Optionally, the service platform includes a processing platform for service providers that accept goods and / or services based on the prepaid voucher, or a service provider that accepts goods and / or services based on the prepaid voucher; the payment request includes a request to pay for goods and / or services consumed by the user at the service provider.

[0026] In practical applications, users may purchase different prepaid vouchers through different channels. When a user has multiple prepaid vouchers, they need to carry the corresponding prepaid vouchers or make payments through the corresponding payment channels of each prepaid voucher when using them for consumption payments. This makes it very difficult for users to use prepaid vouchers for payment. To address this, this embodiment binds one or more prepaid vouchers to a user account, and uses the user account to realize consumption payments for different prepaid vouchers, thereby improving the flexibility of users to use prepaid vouchers for consumption payments.

[0027] Optionally, the prepaid voucher includes: any one of at least one prepaid voucher that is linked to the user account that submitted the payment request; wherein the linking relationship is established after the user and the payment platform sign a payment agreement for the prepaid voucher.

[0028] It should be noted that, in order to ensure the service platform's flexibility in managing the prepaid resources corresponding to the prepaid vouchers, thereby enhancing the service platform's willingness to cooperate, the payment processing method based on prepaid vouchers provided in this embodiment does not involve the processing of the prepaid resources corresponding to the prepaid vouchers during the payment process, but only the processing of the available resource amount of the prepaid vouchers. Optionally, the resource account corresponding to the prepaid voucher is set up on the service platform, and the prepaid resources in the resource account are managed by the service platform.

[0029] In practice, based on the establishment of a binding relationship between the prepaid voucher and the user account, this embodiment provides two ways to submit payment requests during the payment process using the prepaid voucher. During the specific execution process, either method can be selected to submit the payment request.

[0030] The first implementation method is that the service platform scans the user's payment identifier to submit a payment request. Optionally, the payment request is submitted after the service platform scans the user's account's payment identifier.

[0031] Based on the above-mentioned binding of at least one prepaid voucher to a user account, that is, establishing a binding relationship between at least one prepaid voucher and a user account, here, a payment for the prepaid voucher can be initiated based on the user account's payment code, thereby submitting a payment request for the prepaid voucher. The payment identifier can be the user account's first payment code on the payment platform, which refers to the user account's own payment code. In addition, the first payment code can also be a payment code generated by the payment application of the payment platform. Furthermore, the payment identifier can also be a payment code specifically created for at least one prepaid voucher. By creating this payment code, a payment for any one of the at least one prepaid vouchers can be initiated, thereby submitting a payment request for that any one prepaid voucher.

[0032] Optionally, the payment identifier includes: a 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 accessed through the payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.

[0033] In practice, a service identifier field can be configured in the payment request submitted by the service platform. This service identifier field is used to record the identification information of the service platform or service provider. After receiving the payment request, the payment platform checks whether there is a prepaid voucher belonging to the service provider or service platform associated with the identification information in the prepaid vouchers that are linked to the user's account, based on the identification information carried in the payment request. If it exists, the platform determines to prioritize using the found prepaid voucher for payment and executes the process of sending payment information to the service platform corresponding to the prepaid voucher. If it does not exist, the platform returns the corresponding payment reminder to the service platform or performs payment response processing based on the user's account resources.

[0034] Furthermore, it is possible that a user may purchase multiple prepaid cards of different types from the same service provider. In such cases, a service type field or payment type field can be included in the payment request. This service identifier field is used to record service type information or payment type information. After receiving the payment request, the payment platform, based on the service type information or payment type information carried in the payment request, checks whether there is a prepaid voucher that matches the service type information or payment type information among the prepaid vouchers that are linked to the user's account. If there is, it determines to prioritize using the found prepaid voucher for payment and executes the process of sending payment information to the service platform corresponding to the prepaid voucher. If the service does not exist, a corresponding payment reminder is returned to the service platform; or, after receiving a payment request, the payment platform, based on the service type information or payment type information carried in the payment request, queries the prepaid vouchers of the service platform that are bound to the user's account, and checks whether there is a prepaid voucher in the service platform that matches the service type information or payment type information. If it exists, it determines to prioritize using the prepaid voucher that matches the service type information or payment type information for payment, and executes the process of sending payment information to the service platform corresponding to the prepaid voucher; if the service does not exist, a corresponding payment reminder is returned to the service platform.

[0035] 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 can be 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 the payment code of the service platform.

[0036] Similar to the first implementation described above, a service identifier field, a service type field, or a payment type field can be set in the payment request. The service identifier field records the service platform's identifier information obtained after decoding the payment code scanned from the service platform, or it records the service type information or payment type information of the service platform obtained after decoding the payment code scanned from the service platform. Furthermore, the service identifier field, service type field, or payment type field can also record the identifier information, service type information, or payment type information entered by the user during the payment request submission process.

[0037] Step S104: Receive the payment order submitted by the service platform after verifying the payment information.

[0038] The payment information described in this embodiment carries at least the payment amount. In addition, the payment information may also carry at least one of the following: prepayment voucher information, consumption information of the goods or services consumed, and user information. During specific execution, the data carried in the payment information can be obtained from the payment request or from the service platform. When the data carried in the payment information is obtained from the payment request, the payment request carries at least the payment amount. Similarly, the payment request may also carry at least one of the following: prepayment voucher information, consumption information of the goods or services consumed, and user information.

[0039] In practice, after the payment information is sent to the service platform, the service platform verifies the resources of the prepaid voucher based on the payment information, determines the pre-held resource amount of the prepaid voucher based on the verification result, and creates a payment order based on the pre-held resource amount and submits it to the payment platform. The pre-held resource amount refers to the amount of resources actually frozen by the service platform for the prepaid voucher for subsequent deductions; this pre-held resource amount can also be seen as the actual payment amount determined by the service platform based on the payment information.

[0040] Optionally, the resource verification includes detecting whether the payment amount carried by the payment information is less than or equal to the available resource amount of the prepaid voucher. If the verification result is successful, the payment amount is determined as the pre-reserved resource amount; if the verification result is unsuccessful, the available resource amount is determined as the pre-reserved resource amount.

[0041] Furthermore, the step of receiving the payment order submitted by the service platform after verifying the payment information can be replaced by receiving the payment order submitted by the service platform. Optionally, the payment order records a pre-reserved resource amount, which is determined as follows: if the payment amount carried by the payment information is less than or equal to the available resource amount of the prepaid voucher, the payment amount is determined as the pre-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 pre-reserved resource amount.

[0042] Step S106: Determine the payment method of the payment order and process the payment order according to the payment method.

[0043] After receiving the payment order submitted by the service platform, this step determines the payment method of the payment order and processes 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 pre-allocated resource amount recorded in the payment order.

[0044] The payment method described in this embodiment refers to the method of using one or more payment channels to pay for a payment order. Optionally, the payment method includes using the payment channel corresponding to the prepaid voucher to pay for the payment order. Since the payment processing for the payment order in this method does not involve the payment of specific resources, but only the processing of the resource amount of the prepaid voucher, this payment method is called accounting payment. In addition, the payment method also includes using a combination of the payment channel corresponding to the prepaid voucher and the payment channel of the corresponding resources to pay for the payment order. Therefore, this payment method is called combined payment.

[0045] In specific implementation, this embodiment provides the following two optional implementation methods for determining the payment method based on the pre-allocated resource amount of the payment order record during the process of determining the payment method for the payment order.

[0046] In the first optional implementation of this embodiment, determining the payment method of the payment order includes: if the pre-allocated resource amount recorded in the payment order is equal to the payment amount carried by the payment request, determining that the payment method is accounting payment.

[0047] In the second optional implementation provided in this embodiment, 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 by the payment request, determining that the payment method is a combined payment; the combined payment includes accounting payment and resource payment.

[0048] Accordingly, for the two payment methods provided in this embodiment, in the process of processing the payment order according to the payment method, this embodiment provides two payment processing procedures corresponding to the two optional implementation methods.

[0049] Specifically, based on the aforementioned determined payment method of accounting payment, in the first optional implementation of this embodiment, processing the payment order according to the payment method includes: performing accounting payment on the payment order based on the pre-allocated resource amount, and obtaining the payment result. Optionally, the accounting payment includes updating the order status of the payment order to a paid status and generating a payment invoice for the payment order.

[0050] Based on the aforementioned determined payment method of combined payment, in the second optional implementation of this embodiment, the payment order is processed according to the payment method, including: accounting payment of the payment order based on the pre-allocated resource amount, and resource payment of the payment order based on the remaining resource amount, with 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 pre-allocated resource amount. Optionally, the resource payment includes transferring the resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.

[0051] This approach not only enables payment orders to be processed even when a user's prepaid voucher balance is insufficient, but also allows for the consumption of goods or services at service providers even with limited prepaid voucher funds, ensuring payment availability and reducing the probability of payment failure. Furthermore, the combination of accounting-based payment and resource-based payment enhances the flexibility of prepaid vouchers. In addition, users can specify the amounts for both accounting-based and resource-based payments when submitting a payment request, further improving the flexibility of prepaid vouchers in various consumption scenarios.

[0052] Step S108: Synchronize the payment result with the service platform.

[0053] The payment result refers to the payment result obtained after processing 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.

[0054] Regarding the two payment methods provided above, if the payment order is processed using accounting payment, the payment result to the service platform will be a successful accounting payment result; if the payment order is processed using combined payment, the payment result to the service platform will be a successful resource payment result and a successful accounting payment result.

[0055] In this embodiment, synchronizing the payment result with the service platform aims to remind the service platform to deduct the resource amount of the prepaid voucher, thereby ensuring data consistency in the payment processing of the prepaid voucher. Therefore, the step of synchronizing the payment result with the service platform can also be replaced by synchronizing the payment result with the service platform to deduct the resource amount of the prepaid voucher. Specifically, in an optional implementation of 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.

[0056] In practical applications, to enhance users' awareness of prepaid vouchers, a resource amount query interface can be opened for prepaid vouchers. In one optional implementation of this embodiment, the resource amount query of prepaid vouchers is implemented in the following way: after obtaining a query request for the prepaid voucher, the query request is forwarded to the service platform; the query result carrying the available resource amount of the prepaid voucher is returned by the service platform.

[0057] It should be noted that, based on the resource amount query of the prepaid voucher, the service platform may no longer need to perform resource verification for the prepaid voucher. In this case, the above-mentioned step of receiving the payment order submitted by the service platform after performing resource verification of the payment information can be replaced by the process of receiving the payment order submitted by the service platform, and combined with other processing processes provided in this embodiment to create a new implementation method.

[0058] In addition, to enhance users' comprehensive understanding of the association of prepaid vouchers, in one optional implementation of this embodiment, the prepaid voucher loss reporting, expiration reminder, and / or voucher destruction can also be implemented in the following ways:

[0059] After receiving a request to report the loss of the prepaid voucher, the request is forwarded to the service platform.

[0060] The system receives a loss report result from the service platform, which carries the permission freeze information of the prepaid voucher; wherein the permission freeze information is generated after the permission of the prepaid voucher is frozen.

[0061] And / or,

[0062] After receiving a cancellation request for the prepaid voucher, the cancellation request is forwarded to the service platform;

[0063] The system receives a cancellation result returned by the service platform, which carries the cancellation information of the prepaid voucher; wherein the cancellation information is generated after the prepaid voucher is cancelled.

[0064] And / or,

[0065] Based on the validity period of the prepaid voucher obtained from the service platform, a reminder message for the validity period is generated and sent to the user.

[0066] Optionally, the payment processing method based on prepaid vouchers provided in this embodiment is applied to a payment platform, while the payment processing method based on prepaid vouchers provided in the following method embodiments is applied to a service platform. The two cooperate with each other during execution. Therefore, when reading this embodiment, please refer to the corresponding content of the following method embodiments. Similarly, when reading the following embodiments, please also refer to this embodiment.

[0067] The following description uses the application of a prepaid voucher-based payment processing method provided in this embodiment in a merchant stored-value card scenario as an example to further illustrate the prepaid voucher-based payment processing method provided in this embodiment. (See also...) Figure 2 The payment processing method based on prepaid vouchers, applied to merchant stored-value card scenarios, specifically includes the following steps.

[0068] Step S202: After receiving a payment request for the stored-value card, send payment information to the merchant corresponding to the stored-value card;

[0069] Step S208: Receive the payment order submitted by the merchant after verifying the amount of the payment information.

[0070] Step S210: If the pre-paid amount in the payment order record is equal to the payment amount carried in the payment request, the payment method is determined to be accounting payment.

[0071] For example, if the prepaid amount recorded in the payment order is 100 yuan, and the payment amount carried in the payment request is also 100 yuan, it means that the stored value card can meet the payment of the current payment order. You only need to deduct 100 yuan from the stored value card. Therefore, the accounting payment method is used.

[0072] Step S212: Record the payment for the order based on the pre-allocated amount and obtain the payment result.

[0073] Step S214: Synchronize the payment result with the merchant to deduct the amount from the stored-value card.

[0074] Step S218: If the pre-paid amount in the payment order record is less than the payment amount carried in the payment request, determine the payment method as a combination payment.

[0075] Combined payments include accounting payments and resource payments.

[0076] For example, if the remaining balance on the prepaid card is only 100 yuan, but the payment request includes a payment amount of 120 yuan, it means that the prepaid card cannot meet the payment requirements of the current order. The 20 yuan shortfall can only be paid through other channels, specifically by using the funds account on the payment platform. Therefore, a combination payment method is used.

[0077] Step S220: The accounting payment result is obtained by making payment for the order based on the pre-allocated amount, and the fund payment result is obtained by making payment for the order based on the remaining amount.

[0078] Step S222: Synchronize the accounting payment results and fund payment results with the merchant to deduct the amount from the stored value card.

[0079] This manual also provides another payment processing method based on prepaid vouchers, as illustrated below:

[0080] Reference Figure 3 The payment processing method based on prepaid vouchers provided in this embodiment specifically includes steps S302 to S306.

[0081] Step S302: Based on the payment information sent by the payment platform for the prepaid voucher, perform resource verification of the prepaid voucher.

[0082] The prepaid voucher described in this embodiment refers to a voucher issued through a specific medium and in a specific form, which can be used to purchase goods or services at a specific institution. Furthermore, this voucher often has the characteristic of requiring prepayment before use for consumption; hence the name "prepaid voucher." Optionally, the prepaid voucher includes physical prepaid vouchers carried by a physical medium, and / or electronic prepaid vouchers carried by an electronic voucher. Examples include physical stored-value cards and electronic stored-value cards.

[0083] In practical applications, users may purchase different prepaid vouchers through different channels. When a user has multiple prepaid vouchers, they need to carry the corresponding prepaid vouchers or make payments through the respective payment channels of each prepaid voucher when using them for consumption payments. This makes it very difficult for users to use prepaid vouchers for payments. To address this, this embodiment binds one or more prepaid vouchers to a user account, enabling consumption payments using different prepaid vouchers through the user account, thereby improving the flexibility of users using prepaid vouchers for consumption payments. Optionally, the prepaid voucher includes any one of at least one prepaid voucher that is bound to the user account that submitted the payment request; wherein, the binding relationship is established after the user and the payment platform sign a payment agreement for the prepaid voucher.

[0084] Optionally, the payment request is submitted after the service platform scans the payment identifier of the user account. Based on the above-mentioned binding of at least one prepaid voucher to the user account, i.e., establishing a binding relationship between at least one prepaid voucher and the user account, here, payment can be initiated based on the user account's payment code, thereby submitting a payment request for the prepaid voucher. The payment identifier can be the user account's first payment code on the payment platform, where the first payment code refers to the user account's own payment code. Alternatively, the first payment code can also be a payment code generated by the payment platform's payment application. Furthermore, the payment identifier can also be a payment code specifically created for at least one prepaid voucher. By creating this payment code, payment can be initiated for any one of the at least one prepaid vouchers, thereby submitting a payment request for that any one prepaid voucher.

[0085] Optionally, the payment identifier includes: a 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 accessed through the payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.

[0086] Optionally, the service platform includes a processing platform for service providers that accept goods and / or services based on the prepaid voucher, or a service provider that accepts goods and / or services based on the prepaid voucher; the payment request includes a request to pay for goods and / or services consumed by the user at the service provider.

[0087] It should be noted that, in order to ensure the service platform's flexibility in managing the prepaid resources corresponding to the prepaid vouchers, thereby enhancing the service platform's willingness to cooperate, the payment processing method based on prepaid vouchers provided in this embodiment does not involve the processing of the prepaid resources corresponding to the prepaid vouchers during the payment process, but only the processing of the available resource amount of the prepaid vouchers. Optionally, the resource account corresponding to the prepaid voucher is set up on the service platform, and the prepaid resources in the resource account are managed by the service platform.

[0088] In practice, a service identifier field can be configured in the payment request submitted by the service platform. This service identifier field is used to record the identification information of the service platform or service provider. After receiving the payment request, the payment platform checks whether there is a prepaid voucher belonging to the service provider or service platform associated with the identification information in the prepaid vouchers that are linked to the user's account, based on the identification information carried in the payment request. If it exists, the platform determines to prioritize using the found prepaid voucher for payment and executes the process of sending payment information to the service platform corresponding to the prepaid voucher. If it does not exist, the platform returns the corresponding payment reminder to the service platform or performs payment response processing based on the user's account resources.

[0089] Furthermore, it is possible that a user may purchase multiple prepaid cards of different types from the same service provider. In such cases, a service type field or payment type field can be included in the payment request. This service identifier field is used to record service type information or payment type information. After receiving the payment request, the payment platform, based on the service type information or payment type information carried in the payment request, checks whether there is a prepaid voucher that matches the service type information or payment type information among the prepaid vouchers that are linked to the user's account. If there is, it determines to prioritize using the found prepaid voucher for payment and executes the process of sending payment information to the service platform corresponding to the prepaid voucher. If the service does not exist, a corresponding payment reminder is returned to the service platform; or, after receiving a payment request, the payment platform, based on the service type information or payment type information carried in the payment request, queries the prepaid vouchers of the service platform that are bound to the user's account, and checks whether there is a prepaid voucher in the service platform that matches the service type information or payment type information. If it exists, it determines to prioritize using the prepaid voucher that matches the service type information or payment type information for payment, and executes the process of sending payment information to the service platform corresponding to the prepaid voucher; if the service does not exist, a corresponding payment reminder is returned to the service platform.

[0090] This embodiment provides an optional implementation method in which resource verification of the prepaid voucher is performed based on the payment information sent by the payment platform for the prepaid voucher. This includes: detecting whether the payment amount carried by the payment information is less than or equal to the available resource amount of the prepaid voucher; if so, determining that the verification result is successful; if not, determining that the verification result is unsuccessful.

[0091] Step S304: Determine the pre-reserved resource amount of the prepaid voucher based on the verification result, and create a payment order based on the pre-reserved resource amount and submit it to the payment platform.

[0092] The pre-reserved resource amount mentioned in this embodiment refers to the amount of resources that the current service platform actually freezes for subsequent deductions based on the prepaid voucher. This pre-reserved resource amount can also be regarded as the actual payment amount determined by the service platform for the payment information.

[0093] Optionally, the resource verification includes detecting whether the payment amount carried by the payment information is less than or equal to the available resource amount of the prepaid voucher. If the verification result is successful, the payment amount is determined as the pre-reserved resource amount; if the verification result is unsuccessful, the available resource amount is determined as the pre-reserved resource amount.

[0094] In specific implementation, based on the optional implementation method provided above for resource verification of prepaid vouchers based on payment information sent by the payment platform for prepaid vouchers, the pre-reserved resource amount of the prepaid voucher is determined according to the verification result, and is implemented in the following way: if the verification result is successful, the payment amount is determined as the pre-reserved resource amount; if the verification result is unsuccessful, the available resource amount is determined as the pre-reserved resource amount.

[0095] Step S306: Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

[0096] After the payment order is submitted to the payment platform, the payment platform determines the payment method of the payment order and processes the payment 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 pre-allocated resource amount recorded in the payment order.

[0097] The payment method described in this embodiment refers to the method of using one or more payment channels to pay for a payment order. Optionally, the payment method includes using the payment channel corresponding to the prepaid voucher to pay for the payment order. Since the payment processing for the payment order in this method does not involve the payment of specific resources, but only the processing of the resource amount of the prepaid voucher, this payment method is called accounting payment. In addition, the payment method also includes using a combination of the payment channel corresponding to the prepaid voucher and the payment channel of the corresponding resources to pay for the payment order. Therefore, this payment method is called combined payment.

[0098] Specifically, in determining the payment method of the payment order, if the pre-allocated 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 pre-allocated resource 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; the combined payment includes accounting payment and resource payment.

[0099] In this embodiment, the payment result of the payment order synchronized by the payment platform refers to the payment result obtained by the payment platform in processing the payment order according to the payment method. Specifically, in the payment processing of the payment order, if the payment method is billing payment, the billing payment of the payment order is performed based on the pre-allocated resource amount to obtain the payment result. Optionally, the billing payment includes updating the order status of the payment order to a paid status and generating a payment invoice for the payment order.

[0100] If the payment method is a combined payment, then the payment order is accounted for based on the pre-allocated resource amount, and the payment order is also accounted for based on the remaining resource amount. The accounted payment result and the resource payment result are used as the payment result. The remaining resource amount is the difference between the payment amount carried in the payment request and the pre-allocated resource amount. Optionally, the resource payment includes transferring the resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.

[0101] This approach not only enables payment orders to be processed even when a user's prepaid voucher balance is insufficient, but also allows for the consumption of goods or services at service providers even with limited prepaid voucher funds, ensuring payment availability and reducing the probability of payment failure. Furthermore, the combination of accounting-based payment and resource-based payment enhances the flexibility of prepaid vouchers. In addition, users can specify the amounts for both accounting-based and resource-based payments when submitting a payment request, further improving the flexibility of prepaid vouchers in various consumption scenarios.

[0102] In this embodiment, the payment platform synchronizes the payment result to remind the service platform to deduct the resource amount of the prepaid voucher, thereby ensuring the data consistency of the prepaid voucher payment processing. In one optional implementation of this embodiment, deducting the resource amount of the prepaid voucher includes: deducting the pre-occupied resource amount from the available resource amount of the prepaid voucher.

[0103] In practical applications, to enhance users' perception of prepaid vouchers, a resource amount query interface can be opened for prepaid vouchers. In one optional implementation of this embodiment, the resource amount query of prepaid vouchers is implemented in the following way: receiving the query request of the prepaid voucher forwarded by the payment platform; querying the available resource amount of the prepaid voucher, and returning the query result carrying the available resource amount to the payment platform.

[0104] It should be noted that, based on the query of the resource amount of the prepaid voucher, the service platform may no longer need to perform resource verification for the prepaid voucher. In this case, the above-mentioned steps of performing resource verification for the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher, determining the pre-occupied resource amount of the prepaid voucher based on the verification result, and creating a payment order and submitting it to the payment platform based on the pre-occupied resource amount can be replaced by: creating a payment order and submitting it to the payment platform based on the payment information sent by the payment platform for the prepaid voucher, and combining this process with other processing procedures provided in this embodiment to create a new implementation method.

[0105] In addition, to enhance users' comprehensive understanding of the association of prepaid vouchers, in an optional implementation of this embodiment, the loss reporting and / or voucher destruction processes can also be implemented in the following ways:

[0106] Receive the request to report the loss of the prepaid voucher forwarded by the payment platform;

[0107] Freeze the access permissions of the prepaid voucher and return a loss report result carrying the frozen permission information to the payment platform;

[0108] And / or,

[0109] Receive the cancellation request for the prepaid voucher forwarded by the payment platform;

[0110] Transfer the account resources in the resource account of the prepaid voucher to the user's resource account, and cancel the prepaid voucher;

[0111] The system returns a cancellation result to the payment platform, carrying information on resource transfer and cancellation.

[0112] The following description uses the application of a prepaid voucher-based payment processing method provided in this embodiment in a merchant stored-value card scenario as an example to further illustrate the prepaid voucher-based payment processing method provided in this embodiment. (See also...) Figure 2 The payment processing method based on prepaid vouchers, applied to merchant stored-value card scenarios, specifically includes the following steps.

[0113] Step S204: Based on the payment information sent by the payment platform for the stored-value card, the amount on the stored-value card is reimbursed.

[0114] Step S206: Determine the pre-allocated amount of the stored-value card based on the verification results, and create a payment order based on the pre-allocated amount and submit it to the payment platform.

[0115] Step S216: Receive the payment result of the payment order synchronized by the payment platform and deduct the amount from the stored value card.

[0116] Step S224: Receive the accounting payment result and fund payment result synchronized by the payment platform, and deduct the amount from the stored value card according to the accounting payment result.

[0117] This specification provides an embodiment of a payment processing device based on prepaid vouchers as follows:

[0118] In the above embodiments, a payment processing method based on prepaid vouchers is provided, and correspondingly, a payment processing device based on prepaid vouchers is also provided, which will be described below with reference to the accompanying drawings.

[0119] Reference Figure 4 The diagram illustrates a payment processing device based on prepaid vouchers provided in this embodiment.

[0120] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0121] This embodiment provides a payment processing device based on prepaid vouchers, including:

[0122] The payment information sending module 402 is configured to send payment information to the service platform corresponding to the prepaid voucher after receiving a payment request for the prepaid voucher.

[0123] The payment order receiving module 404 is configured to receive payment orders submitted by the service platform after the payment information has been verified by the service platform.

[0124] The payment processing module 406 is configured to determine the payment method of the payment order and process the payment order according to the payment method;

[0125] The payment result synchronization module 408 is configured to synchronize the payment result with the service platform in order to deduct the resource amount of the prepaid voucher.

[0126] Another embodiment of a payment processing device based on prepaid vouchers provided in this specification is as follows:

[0127] In the above embodiments, another payment processing method based on prepaid vouchers is provided, and correspondingly, another payment processing device based on prepaid vouchers is also provided, which will be described below with reference to the accompanying drawings.

[0128] Reference Figure 5 The diagram illustrates a payment processing device based on prepaid vouchers provided in this embodiment.

[0129] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0130] This embodiment provides a payment processing device based on prepaid vouchers, including:

[0131] The resource verification module 502 is configured to perform resource verification of the prepaid voucher based on the payment information sent by the payment platform for the prepaid voucher;

[0132] The payment order creation module 504 is configured to determine the pre-reserved resource amount of the prepaid voucher based on the reconciliation result, and to create a payment order based on the pre-reserved resource amount and submit it to the payment platform;

[0133] The resource amount deduction module 506 is configured to receive the payment result of the payment order synchronized by the payment platform and deduct the resource amount of the prepaid voucher.

[0134] This specification provides an example of a payment processing device based on prepaid vouchers, as follows:

[0135] Corresponding to the payment processing method based on prepaid vouchers described above, and based on the same technical concept, one or more embodiments of this specification also provide a payment processing device based on prepaid vouchers, which is used to execute the payment processing method based on prepaid vouchers provided above. Figure 6 This is a schematic diagram of a payment processing device based on prepaid vouchers, provided for one or more embodiments of this specification.

[0136] This embodiment provides a payment processing device based on prepaid vouchers, comprising:

[0137] like Figure 6As shown, payment processing devices based on prepaid vouchers can vary significantly due to differences in configuration or performance. They may include one or more processors 601 and a memory 602, where one or more application programs or data may be stored. The memory 602 can be temporary or persistent storage. The application programs stored in the memory 602 may include one or more modules (not shown), each module including a series of computer-executable instructions for the prepaid voucher-based payment processing device. Furthermore, the processor 601 may be configured to communicate with the memory 602, executing the 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.

[0138] In one 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 for the payment processing device based on prepaid vouchers, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0139] After receiving a payment request for a prepaid voucher, the payment information is sent to the service platform corresponding to the prepaid voucher;

[0140] Receive payment orders submitted by the service platform after verifying the payment information;

[0141] Determine the payment method for the payment order, and process the payment order according to the payment method;

[0142] The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

[0143] Another embodiment of a payment processing device based on prepaid vouchers provided in this specification is as follows:

[0144] Corresponding to the other payment processing method based on prepaid vouchers described above, and based on the same technical concept, one or more embodiments of this specification also provide another payment processing device based on prepaid vouchers, which is used to execute the payment processing method based on prepaid vouchers provided above. Figure 7This is a schematic diagram of a payment processing device based on prepaid vouchers, provided for one or more embodiments of this specification.

[0145] This embodiment provides a payment processing device based on prepaid vouchers, comprising:

[0146] like Figure 7 As shown, payment processing devices based on prepaid vouchers can vary significantly due to differences in configuration or performance. They may include one or more processors 701 and a memory 702, where one or more application programs or data may be stored. The memory 702 can be temporary or persistent storage. The application programs stored in the memory 702 may include one or more modules (not shown), each module including a series of computer-executable instructions for the prepaid voucher-based payment processing device. Furthermore, the processor 701 may be configured to communicate with the memory 702, executing the 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.

[0147] In one 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 for the payment processing device based on prepaid vouchers, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0148] Based on the payment information sent by the payment platform for the prepaid voucher, the resources of the prepaid voucher are revoked;

[0149] The prepaid voucher's pre-allocated resource amount is determined based on the reconciliation results, and a payment order is created and submitted to the payment platform based on the pre-allocated resource amount;

[0150] Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

[0151] This specification provides an example of a storage medium as follows:

[0152] Corresponding to the payment processing method based on prepaid vouchers described above, and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0153] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0154] After receiving a payment request for a prepaid voucher, the payment information is sent to the service platform corresponding to the prepaid voucher;

[0155] Receive payment orders submitted by the service platform after verifying the payment information;

[0156] Determine the payment method for the payment order, and process the payment order according to the payment method;

[0157] The payment result is synchronized with the service platform to deduct the resource amount of the prepaid voucher.

[0158] It should be noted that the embodiments concerning storage media in this specification and the embodiments concerning payment processing methods based on prepaid vouchers in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0159] Another embodiment of the storage medium provided in this specification is as follows:

[0160] Corresponding to the other payment processing method based on prepaid vouchers described above, and based on the same technical concept, one or more embodiments of this specification also provide another storage medium.

[0161] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0162] Based on the payment information sent by the payment platform for the prepaid voucher, the resources of the prepaid voucher are revoked;

[0163] The prepaid voucher's pre-allocated resource amount is determined based on the reconciliation results, and a payment order is created and submitted to the payment platform based on the pre-allocated resource amount;

[0164] Receive the payment result of the payment order synchronized by the payment platform, and deduct the resource amount of the prepaid voucher.

[0165] It should be noted that the embodiments concerning storage media in this specification and the embodiments concerning payment processing methods based on prepaid vouchers in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0166] The foregoing has described 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 may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0167] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0168] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, ASICs, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0169] 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, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0170] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0171] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied 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.

[0172] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0173] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0174] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0175] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0176] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0177] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0178] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0179] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0180] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0181] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A payment processing method based on prepaid vouchers, applied to a payment platform, the method comprising: After receiving a payment request carrying the service platform's identification information, the system checks at least one physical prepaid card linked to the user's account to see if a physical prepaid card belonging to the service platform to which the identification information belongs exists. If it does, the system sends payment information to the service platform. The payment request is submitted after the service platform scans the user's account's payment identifier on the payment platform. The system receives a payment order submitted by the service platform after verifying the payment information; the payment order records the pre-allocated resource amount frozen for the physical stored-value card. Determine the payment method for the payment order, and process the payment order according to the payment method; The payment result is synchronized to the service platform to deduct the pre-allocated resource amount from the available resource amount of the physical stored-value card.

2. The payment processing method based on prepaid vouchers according to claim 1, wherein the binding relationship is established after the user and the payment platform sign a payment agreement for a physical stored-value card.

3. The payment processing method based on prepaid vouchers according to claim 2, wherein the payment identifier includes: The user account has a first payment code on the payment platform, and / or a second payment code created based on the at least one physical stored-value card; The first payment code is accessed through the payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.

4. The payment processing method based on prepaid vouchers according to claim 1, wherein determining the payment method of the payment order includes: If the pre-allocated 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; Accordingly, processing the payment order according to the payment method includes: The payment order is recorded and paid based on the pre-allocated resource amount, and the payment result is obtained.

5. The payment processing method based on prepaid vouchers according to claim 1, wherein determining the payment method of the payment order includes: If the pre-allocated resource amount in the payment order record is less than the payment amount carried in the payment request, the payment method is determined to be a combined payment; the combined payment includes accounting payment and resource payment; Accordingly, processing the payment order according to the payment method includes: The payment order is recorded and paid based on the pre-allocated resource amount, and the payment order is paid based on the remaining resource amount. The recording and payment results and the resource payment results are used as the payment result.

6. The payment processing method based on prepaid vouchers according to claim 4 or 5, wherein 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 the resources corresponding to the remaining resource amount from the user account to the resource account of the service platform.

7. The payment processing method based on prepaid vouchers according to claim 1, wherein the resource account corresponding to the physical stored-value card is set in the service platform, and the prepaid resources in the resource account are managed by the service platform.

8. The payment processing method based on prepaid vouchers according to claim 4, 5, or 7, wherein the pre-allocated resource amount 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 physical stored-value card, the payment amount is determined as the pre-allocated resource amount; If the payment amount carried by the payment information is greater than the available resource amount of the physical stored-value card, the available resource amount is determined as the pre-allocated resource amount.

9. The payment processing method based on prepaid vouchers according to claim 1 further includes: After receiving a query request for the physical stored-value card, the query request is forwarded to the service platform; Receive the query results returned by the service platform, which carry the available resource amount of the physical stored-value card.

10. A payment processing method based on prepaid vouchers, applied to a service platform, the method comprising: Based on the payment information sent by the payment platform for the physical stored-value card, the resources of the physical stored-value card are revoked; The payment information is sent after receiving a payment request carrying the identification information of the service platform; The payment request is submitted after the service platform scans the user account's payment identifier on the payment platform; The pre-allocated resource amount of the physical stored-value card is determined based on the verification results, and a payment order is created and submitted to the payment platform based on the pre-allocated resource amount; The system receives the payment result of the payment order synchronized by the payment platform and deducts the pre-allocated resource amount from the available resource amount of the physical stored-value card.

11. The payment processing method based on prepaid vouchers according to claim 10, wherein the physical stored-value card comprises: Any one of at least one physical stored-value card that is linked to the user account that submitted the payment request; The binding relationship is established after the user signs a payment agreement for a physical stored-value card with the payment platform.

12. The payment processing method based on prepaid vouchers according to claim 11, wherein the payment identifier includes: The user account has a first payment code on the payment platform, and / or a second payment code created based on the at least one physical stored-value card; The first payment code is accessed through the payment application of the payment platform, and the second payment code is accessed through a subroutine of the payment application.

13. The payment processing method based on prepaid vouchers according to claim 10, wherein the step of performing resource verification of the physical stored-value card based on the payment information sent by the payment platform for the physical stored-value card includes: Detect whether the payment amount carried by the payment information is less than or equal to the available resource amount of the physical stored-value card; If so, confirm the write-off result as "write-off approved"; If not, the write-off result is confirmed as "write-off failed". Accordingly, determining the pre-allocated resource amount of the physical stored-value card based on the write-off results includes: If the write-off result is successful, the payment amount will be determined as the pre-allocated resource amount; If the write-off result is that the write-off fails, the available resource amount will be determined as the pre-allocated resource amount.

14. The payment processing method based on prepaid vouchers according to claim 10, wherein the resource account corresponding to the physical stored-value card is set in the service platform, and the prepaid resources in the resource account are managed by the service platform.

15. The payment processing method based on prepaid vouchers according to claim 10, further comprising: Receive the query request for the physical stored-value card forwarded by the payment platform; The system queries the available resource amount of the physical stored-value card and returns the query result carrying the available resource amount to the payment platform.

16. A payment processing device based on prepaid vouchers, applied to a payment platform, the device comprising: The payment information sending module is configured to, upon receiving a payment request carrying the identification information of the service platform, query at least one physical stored-value card that is linked to the user account to see if there is a physical stored-value card of the service platform to which the identification information belongs; if so, send payment information to the service platform; the payment request is submitted after the service platform scans the payment identifier of the user account on the payment platform. The payment order receiving module is configured to receive payment orders submitted by the service platform after resource verification of the payment information; the payment order records the pre-allocated resource amount frozen for the physical stored-value card; The payment processing module is configured to determine the payment method of the payment order and process 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 deduct the pre-allocated resource amount from the available resource amount of the physical stored-value card.

17. A payment processing device based on prepaid vouchers, applied to a service platform, the device comprising: The resource verification module is configured to perform resource verification of the physical stored-value card based on the payment information sent by the payment platform for the physical stored-value card; The payment information is sent after receiving a payment request carrying the service platform's identification information; the payment request is submitted after the service platform scans the user account's payment identifier on the payment platform. The payment order creation module is configured to determine the pre-allocated resource amount of the stored-value card based on the reconciliation result, and to create a payment order based on the pre-allocated resource amount and submit it to the payment platform; The resource deduction module is configured to receive the payment result of the payment order synchronized by the payment platform and deduct the pre-occupied resource amount from the available resource amount of the physical stored-value card.

18. A payment processing device based on prepaid vouchers, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: After receiving a payment request carrying the service platform's identification information, the system checks at least one physical prepaid card linked to the user's account to see if a physical prepaid card belonging to the service platform to which the identification information belongs exists. If it does, the system sends payment information to the service platform. The payment request is submitted after the service platform scans the user's account's payment identifier on the payment platform. The system receives a payment order submitted by the service platform after verifying the payment information; the payment order records the pre-allocated resource amount frozen for the physical stored-value card. Determine the payment method for the payment order, and process the payment order according to the payment method; The payment result is synchronized to the service platform to deduct the pre-allocated resource amount from the available resource amount of the physical stored-value card.

19. A payment processing device based on prepaid vouchers, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: Based on the payment information sent by the payment platform for the physical stored-value card, the resource verification of the physical stored-value card is performed; the payment information is sent after obtaining the payment request carrying the service platform's identification information; the payment request is submitted after the service platform scans the user account's payment identifier on the payment platform. The pre-allocated resource amount of the physical stored-value card is determined based on the verification results, and a payment order is created and submitted to the payment platform based on the pre-allocated resource amount; The system receives the payment result of the payment order synchronized by the payment platform and deducts the pre-allocated resource amount from the available resource amount of the physical stored-value card.

20. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: After receiving a payment request carrying the service platform's identification information, the system checks at least one physical prepaid card linked to the user's account to see if a physical prepaid card belonging to the service platform to which the identification information belongs exists. If it does, the system sends payment information to the service platform. The payment request is submitted after the service platform scans the user's account's payment identifier on the payment platform. The system receives a payment order submitted by the service platform after verifying the payment information; the payment order records the pre-allocated resource amount frozen for the physical stored-value card. Determine the payment method for the payment order, and process the payment order according to the payment method; The payment result is synchronized to the service platform to deduct the pre-allocated resource amount from the available resource amount of the physical stored-value card.

21. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: Based on the payment information sent by the payment platform for the physical stored-value card, the resource verification of the physical stored-value card is performed; the payment information is sent after obtaining the payment request carrying the identification information of the service platform; the payment request is submitted after the service platform scans the payment identifier of the user account on the payment platform; The pre-allocated resource amount of the physical stored-value card is determined based on the verification results, and a payment order is created and submitted to the payment platform based on the pre-allocated resource amount; The system receives the payment result of the payment order synchronized by the payment platform and deducts the pre-allocated resource amount from the available resource amount of the physical stored-value card.

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