An abnormal refund processing method of a charging pile

Abstract

The embodiment of the application relates to an abnormal refund processing method of a charging pile, and the method comprises the following steps: the charging pile reads bank account information of a charging payment card; a pre-deduction amount corresponding to a charging duration input by a user is taken as a corresponding deduction amount; pre-deduction processing is carried out according to the deduction amount; a corresponding charging record is created when the pre-deduction processing is successful; charging is carried out when the record creation is successful; real-time charging of the charging record is carried out in a current charging process; refund processing is carried out when the current charging is completed; the charging record is sent to a remote platform after the refund processing; whether the charging record is abnormal is identified by the remote platform; if the charging record is abnormal, abnormal refund processing is carried out. Through the application, when digital currency wallet refund failure occurs in user charging, timely refund can be carried out, so that the purpose of improving the timeliness of refund processing and reducing the risk of user property loss is achieved.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to a method for handling abnormal refunds for charging piles. Background Technology

[0002] Based on the known structure of digital currency physical cards (such as digital RMB physical cards), we know that a digital currency physical card corresponds to a remote bank card account and a local hardware wallet (also known as a digital currency wallet module). The remote bank card account information is also stored in the local storage module (also known as a digital currency account module) of the digital currency physical card. To better understand the relationship between bank card accounts and hardware wallets, a simple example is given below: For instance, a user opens a bank account with account number 1 at a bank and simultaneously applies for a digital currency physical card for that account. Initially, the bank account has a balance of 0, the bank card account number stored on the digital currency physical card is account number 1, and the digital currency balance in the hardware wallet (also known as the digital currency wallet module) on the digital currency physical card is 0. Subsequently, the user deposits 1 amount into the bank account. At this point, the bank account still has a balance of 1, but the digital currency balance in the hardware wallet (also known as the digital currency wallet module) on the digital currency physical card remains 0. Then, the user withdraws 2 amount of digital currency from the bank account. At this point, the bank account balance becomes (amount 1 - amount 2), while the digital currency balance in the hardware wallet (also known as the digital currency wallet module) on the digital currency physical card becomes amount 2.

[0003] With the promotion of digital currency applications, physical digital currency cards are gradually being used in the field of charging payments. The conventional charging payment process is as follows: a pre-deduction is made from the user's account; after successful pre-deduction, charging begins; and after charging is completed, the pre-deducted amount is subtracted from the charging amount to obtain the corresponding refund amount, which is then refunded to the user's account. Currently, when using physical digital currency cards for charging payments, the hardware wallet on the card (also known as the digital currency wallet module) is mostly used as the object for pre-deduction and refund operations. However, in practice, we have found a problem with this conventional approach: certain abnormal events during charging (such as the physical digital currency card being mistakenly removed during a refund, the hardware wallet of the physical digital currency card making an operational error during a refund, or a system malfunction at the charging station during a refund) can prevent the refund from being completed. In such cases, if the hardware wallet (also known as the digital currency wallet module) of the physical digital currency card is still used as the refund object, it becomes difficult to promptly refund the over-deducted amount to the user afterward, resulting in financial losses for the user. Summary of the Invention

[0004] The purpose of this invention is to address the shortcomings of existing technologies by providing a method, electronic device, and computer-readable storage medium for handling abnormal refunds at charging stations. The charging station is configured with a charging record for each charging session. During charging, charging billing and available balance updates are performed based on this record. At the end of charging, a refund is processed for the hardware wallet (also known as the digital currency wallet module) of the digital currency physical card based on the charging record. The refund status marker in the record is only switched from "not refunded" to "refunded" upon successful refund. After the refund is processed, the charging record is sent to a remote platform. The remote platform then determines whether the refund for that charging session was successful based on the refund status marker in the charging record. If unsuccessful, a transfer is immediately made to the bank account corresponding to the digital currency physical card through the platform's bank transaction interface, thus achieving timely refunds through a remote transaction method. This invention enables timely refunds to users when hardware wallet (also known as digital currency wallet module) refunds fail during charging, thereby improving the timeliness of refund processing and reducing the risk of user financial loss.

[0005] To achieve the above objectives, a first aspect of the present invention provides a method for handling abnormal refunds for charging piles, the method comprising:

[0006] When a user inserts a first charging payment card, the charging station reads and processes the bank account information of the card to obtain a corresponding first account identifier. The charging duration input by the user is then used as the first charging duration. Based on a preset charging duration-pre-deduction rule, the pre-deduction amount corresponding to the first charging duration is used as the first deduction amount. Pre-deduction is then processed on the first charging payment card according to the first deduction amount. Upon successful pre-deduction, a corresponding first charging record is created based on the first account identifier and the first deduction amount. Charging begins for the vehicle currently connected to the charging station when the first charging record is successfully created. Real-time billing is performed on the first charging record during the charging process. At the end of the charging session, a refund is processed on the first charging payment card based on the first charging record. After the refund, the first charging record is sent to a remote platform.

[0007] The remote platform will use the first charging record received as the corresponding current charging record; and will identify whether there is any abnormality in the current charging record; if an abnormality is identified in the current charging record, an abnormal refund will be processed to the corresponding charging payment card bank account according to the current charging record.

[0008] Preferably, the first charging payment card is a digital currency physical card; the digital currency physical card includes a digital RMB physical card; the first charging payment card includes a digital currency account module and a digital currency wallet module; the digital currency account module is used to store bank account information; the digital currency wallet module is used to store the amount of digital currency;

[0009] The charging time-pre-deduction correspondence rule includes multiple first correspondence rules; the first correspondence rule includes a charging time range and the corresponding pre-deduction amount; the charging time range consists of two preset times, namely a first preset time and a second preset time; the first preset time is less than the second preset time;

[0010] The first charging record includes a first payment card identifier field, a first prepaid field, a first charging billing field, a first available balance field, and a first refund status field; the first refund status field includes a refunded status and a non-refunded status.

[0011] Preferably, the step of using the pre-deducted amount corresponding to the first charging time as the corresponding first deduction amount based on the preset charging time-pre-deduction rule specifically includes:

[0012] The charging pile uses the pre-deduction amount corresponding to the charging duration range that satisfies the first charging duration in the charging duration-pre-deduction rule as the corresponding first deduction amount.

[0013] Preferably, the step of pre-deducting payment from the first charging payment card based on the first deduction amount specifically includes:

[0014] The charging pile sets the current consumption amount as the corresponding first deduction amount, and performs corresponding digital currency wallet consumption processing on the digital currency wallet module of the first charging payment card based on the current consumption amount; and confirms the successful pre-deduction processing when the digital currency wallet consumption processing is successful.

[0015] Preferably, the step of creating a corresponding first charging record based on the first account identifier and the first deduction amount specifically includes:

[0016] The charging pile creates a first charging record with empty content locally; and sets the first payment card identifier field of the first charging record to the corresponding first account identifier, sets the first prepayment field to the corresponding first deduction amount, sets the first charging billing field to 0, sets the first available balance field to the first deduction amount, and sets the first refund status field to non-refund status; and confirms that the first charging record was successfully created when the field settings of the first charging record are completed.

[0017] Preferably, the real-time billing processing of the first charging record during the current charging process specifically includes:

[0018] During the current charging process, the charging pile calculates the charging fees within the most recent first specified time interval every first specified time interval to obtain the corresponding first amount; extracts the first deduction amount field and the first charging billing field from the first charging record as the corresponding current deduction amount and previous billing amount; adds the previous billing amount to the first amount as the corresponding next billing amount; subtracts the next billing amount from the current deduction amount to obtain the corresponding current available balance; and updates the first charging billing field of the first charging record to the corresponding next billing amount and the first available balance field to the corresponding current available balance.

[0019] Preferably, the step of refunding the first charging payment card based on the first charging record at the end of the current charging session specifically includes:

[0020] When the charging station finishes charging, it extracts the first available balance field of the first charging record as the corresponding top-up amount for that charging session; and performs corresponding top-up processing on the digital currency wallet module of the first charging payment card based on the top-up amount for that charging session; if the top-up processing is successful, it sets the first refund status field of the first charging record to a refunded status.

[0021] Preferably, the step of identifying whether there are any anomalies in the current charging record specifically includes:

[0022] The remote platform extracts the first refund status field from the current charging record as the corresponding current refund status; and identifies whether the current refund status is a non-refund status; if so, it confirms that the current charging record is abnormal; if not, it confirms that the current charging record is not abnormal.

[0023] Preferably, the step of processing the abnormal refund to the corresponding charging payment card bank account based on the current charging record specifically includes:

[0024] The remote platform extracts the first payment card identifier field and the first available balance field from the current charging record as the corresponding bank account number and transfer amount for the current transaction; and calls a preset bank transaction interface to perform the corresponding account transfer processing for the current bank account based on the transfer amount for the current transaction.

[0025] A second aspect of the present invention provides an electronic device, including: a memory, a processor, and a transceiver;

[0026] The processor is configured to be coupled to the memory, read and execute instructions in the memory to implement the method described in the first aspect above;

[0027] The transceiver is coupled to the processor, and the processor controls the transceiver to send and receive messages.

[0028] A third aspect of the present invention provides a computer-readable storage medium storing computer instructions that, when executed by a computer, cause the computer to perform the method described in the first aspect.

[0029] This invention provides a method for handling abnormal refunds at charging stations, an electronic device, and a computer-readable storage medium. The charging station is configured with a charging record for each charging session. During charging, charging billing and available balance updates are performed based on this record. At the end of charging, a refund is processed for the hardware wallet (also known as the digital currency wallet module) of the digital currency physical card based on the charging record. The refund status marker in the record is only switched from "not refunded" to "refunded" upon successful refund. After the refund is processed, the charging record is sent to a remote platform. The remote platform then determines whether the refund for that charging session was successful based on the refund status marker in the charging record. If unsuccessful, a transfer is immediately made to the bank account corresponding to the digital currency physical card through the platform's bank transaction interface, thus achieving timely refunds through a remote transaction method. This invention allows for timely refunds to users when a hardware wallet (also known as the digital currency wallet module) refund fails during charging, improving the timeliness of refund processing and reducing the risk of user financial loss. Attached Figure Description

[0030] Figure 1 This is a schematic diagram of an abnormal refund processing method for a charging pile provided in Embodiment 1 of the present invention;

[0031] Figure 2 This is a schematic diagram of the structure of an electronic device provided in Embodiment 2 of the present invention. Detailed Implementation

[0032] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are merely some embodiments of this invention, and not all embodiments. Based on the embodiments of this invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this invention.

[0033] Embodiment 1 of the present invention provides a method for handling abnormal refunds for charging piles, as follows: Figure 1 The diagram illustrates an abnormal refund processing method for a charging pile according to Embodiment 1 of the present invention. This method mainly includes the following steps:

[0034] Step 1: When the first user inserts the first charging payment card, the charging pile reads and processes the bank account information of the first charging payment card to obtain the corresponding first account identifier; it uses the charging duration input by the first user as the corresponding first charging duration; based on the preset charging duration-pre-deduction rule, it uses the pre-deduction amount corresponding to the first charging duration as the corresponding first deduction amount; it then processes the pre-deduction from the first charging payment card according to the first deduction amount; upon successful pre-deduction, it creates a corresponding first charging record based on the first account identifier and the first deduction amount; upon successful creation of the first charging record, it starts charging the vehicle currently connected to the charging pile; it performs real-time billing processing on the first charging record during the current charging process; upon completion of the current charging, it processes a refund from the first charging payment card based on the first charging record; and after the refund processing, it sends the first charging record to the remote platform.

[0035] Specifically, it includes: Step 11, when the first user inserts the first charging payment card, the charging pile reads and processes the bank account information of the first charging payment card to obtain the corresponding first account identifier;

[0036] The first charging payment card is a digital currency physical card; the digital currency physical card includes a digital RMB physical card; the first charging payment card includes a digital currency account module and a digital currency wallet module; the digital currency account module is used to store bank account information; the digital currency wallet module is used to store digital currency amount;

[0037] For example, given that the first charging payment card is a digital currency physical card opened by the first user at bank A, the bank account information corresponding to the first charging payment card at bank A is account number a, the first user's bank deposit in account a at bank A is 1000 yuan, and the first user's digital currency cash in the digital currency wallet module of the first charging payment card is 1100 yuan; then, the first user's total personal assets are 2100 yuan, the bank account information stored on the first charging payment card is account number a, and the digital currency amount in the digital currency wallet module of the first charging payment card is 1100; the first account identifier obtained in the current step is account number a;

[0038] Step 11, and take the charging time input by the first user as the corresponding first charging time;

[0039] Step 13, and based on the preset charging time-pre-deduction rule, the pre-deduction amount corresponding to the first charging time is used as the corresponding first deduction amount;

[0040] The charging time-pre-deduction rule includes multiple first-correspondence rules; the first-correspondence rule includes a charging time range and a corresponding pre-deduction amount; the charging time range consists of two preset times, namely a first preset time and a second preset time; the first preset time is less than the second preset time;

[0041] Specifically, this includes: using the pre-deduction amount corresponding to the charging time range that meets the first charging time in the charging time-pre-deduction rule as the corresponding first deduction amount;

[0042] For example, given that the first charging time is 70 minutes, there are two corresponding rules in the charging time - pre-deduction rule: Rule 1 and Rule 2.

[0043] First corresponding rule 1: The charging time range is (first preset time 15 minutes, second preset time 30 minutes), and the pre-deducted amount is 300 yuan;

[0044] First corresponding rule 2: The charging time range is (first preset time 60 minutes, second preset time 120 minutes), and the pre-deducted amount is 800 yuan;

[0045] Therefore, the charging time range that meets the first charging time (70 minutes) in the charging time-pre-deduction rule is the charging time range of the first corresponding rule 2, and the corresponding pre-deduction amount, i.e. the first deduction amount, should be 800 yuan.

[0046] Step 14, and pre-deduct funds from the first charging payment card according to the first deduction amount;

[0047] Specifically, this includes: setting the current consumption amount as the corresponding first deduction amount, and performing corresponding digital currency wallet consumption processing on the digital currency wallet module of the first charging payment card based on the current consumption amount; and confirming successful pre-deduction processing when the digital currency wallet consumption processing is successful.

[0048] For example, if the digital currency amount in the digital currency wallet module of the first charging payment card is 1100 yuan and the first deduction amount is 800 yuan, then after the digital currency wallet transaction is successfully processed, the digital currency amount in the digital currency wallet module of the first charging payment card becomes 1100-800=300 yuan. At this time, the total personal assets of the first user become 1100+300=1400 yuan.

[0049] Step 15, and upon successful pre-deduction processing, create a corresponding first charging record based on the first account identifier and the first deduction amount;

[0050] The first charging record includes a first payment card identifier field, a first prepaid field, a first charging billing field, a first available balance field, and a first refund status field; the first refund status field includes a refunded status and a non-refunded status.

[0051] Specifically, this includes: creating a first charging record with empty content locally; setting the first payment card identifier field of the first charging record to the corresponding first account identifier, setting the first prepaid field to the corresponding first deduction amount, setting the first charging billing field to 0, setting the first available balance field to the first deduction amount, setting the first refund status field to non-refund status; and confirming that the first charging record was successfully created when the field settings of the first charging record are completed.

[0052] For example, if the first account identifier is account a and the first deduction amount is 800 yuan, then the first charging record should be: the first payment card identifier field is account a, the first prepaid field is 800, the first charging billing field is 0, the first available balance field is 800, and the first refund status field is non-refundable.

[0053] Step 16, and when the first charging record is successfully created, start charging the vehicle currently connected to the charging pile;

[0054] Step 17, and perform real-time billing processing on the first charging record during the current charging process;

[0055] Specifically, this includes: during the current charging process, calculating the charging cost within the most recent first specified time interval every first specified time interval to obtain the corresponding first amount; extracting the first deduction amount field and the first charging billing field of the first charging record as the corresponding current deduction amount and the previous billing amount; adding the previous billing amount and the first amount as the corresponding next billing amount; subtracting the next billing amount from the current deduction amount to obtain the corresponding current available balance; and updating the first charging billing field of the first charging record to the corresponding next billing amount and the first available balance field to the corresponding current available balance.

[0056] Here, the first specified duration is a pre-set time length parameter, such as 5 minutes, 1 hour, etc., which can be configured according to implementation requirements;

[0057] For example, let the first specified duration be 5 minutes.

[0058] Given that the first amount received at the end of the first 5 minutes is 20 yuan, the first charging record after this update should be: the first payment card identifier field is account a, the first prepaid field is 800, the first charging bill field is 20, the first available balance field is 780, and the first refund status field is non-refundable.

[0059] Given that the first amount received at the end of the second 5 minutes is 20 yuan, the first charging record after this update should be: the first payment card identifier field is account a, the first prepaid field is 800, the first charging billing field is 40, the first available balance field is 760, and the first refund status field is non-refundable.

[0060] Step 18, and at the end of the current charging session, process a refund for the first charging payment card based on the first charging record;

[0061] Specifically, this includes: extracting the first available balance field of the first charging record at the end of the current charging session as the corresponding top-up amount for the current session; and performing corresponding digital currency wallet top-up processing on the digital currency wallet module of the first charging payment card based on the top-up amount for the current session; if the digital currency wallet top-up processing is successful, setting the first refund status field of the first charging record to a refunded status.

[0062] Here, if some special abnormal events occur, such as: the physical digital currency card being mistakenly removed during the refund process, the hardware wallet of the digital currency card being operated incorrectly during the refund process, or the charging station experiencing a system failure during the refund process, etc., causing the refund operation that should have been performed, namely the digital currency wallet top-up processing, to fail, then the first refund status field of the first charging record cannot be changed from "not refunded" to "refunded". At the same time, if the digital currency wallet top-up processing fails, it will also result in the user being overcharged and causing a loss to the user's property.

[0063] Step 19, and after the refund is processed, send the first charging record to the remote platform.

[0064] Step 2: The remote platform takes the first charging record received as the corresponding current charging record; and identifies whether there is any abnormality in the current charging record; if an abnormality is identified in the current charging record, an abnormal refund is processed to the corresponding charging payment card bank account according to the current charging record.

[0065] Specifically, this includes: Step 21, taking the received first charging record as the corresponding current charging record;

[0066] Step 22, and identify whether there are any anomalies in the current charging record;

[0067] Specifically, this includes: extracting the first refund status field of the current charging record as the corresponding current refund status; identifying whether the current refund status is a non-refund status; if so, confirming that the current charging record is abnormal; if not, confirming that the current charging record is not abnormal.

[0068] For example, if the current charging record received by the remote platform is known to be: the first payment card identifier field is account number a, the first prepaid field is 800, the first charging billing field is 280, the first available balance field is 520, and the first refund status field is non-refundable, then the current charging record is abnormal.

[0069] Step 23: If an anomaly is detected in the current charging record, an abnormal refund will be processed to the corresponding bank account of the charging payment card based on the current charging record.

[0070] Specifically, this includes: extracting the first payment card identifier field and the first available balance field of the current charging record as the corresponding bank account number and transfer amount for the current transaction; and calling the preset bank transaction interface to perform the corresponding account transfer processing for the current bank account based on the transfer amount for the current transaction.

[0071] For example, given that the first user has a deposit of 1000 yuan in the bank account corresponding to account a in bank A, and the digital currency amount in the digital currency wallet module of the first charging payment card is 300 yuan, and the current charging record received by the remote platform is as follows: the first payment card identifier field is account a, the first prepaid field is 800, the first charging billing field is 280, the first available balance field is 520, and the first refund status field is non-refundable, then the bank account for this transaction should be account a, and the transfer amount should be 520 yuan. The remote platform should call the bank transaction interface to transfer 520 yuan to account a. After the transfer, the first user should have a deposit of 1000 + 520 = 1520 yuan in the bank account corresponding to account a in bank A. At this time, the first user's total assets are 1520 + 300 = 1820 yuan, so there will be no financial loss for the first user.

[0072] Figure 2 This is a schematic diagram of an electronic device provided in Embodiment 2 of the present invention. This electronic device can be the aforementioned terminal device or server, or it can be a terminal device or server connected to the aforementioned terminal device or server that implements the method of the embodiments of the present invention. Figure 2 As shown, the electronic device may include: a processor 301 (e.g., CPU), a memory 302, and a transceiver 303; the transceiver 303 is coupled to the processor 301, and the processor 301 controls the transmission and reception operations of the transceiver 303. The memory 302 may store various instructions for performing various processing functions and implementing the processing steps described in the foregoing method embodiments. Preferably, the electronic device involved in the embodiments of the present invention further includes: a power supply 304, a system bus 305, and a communication port 306. The system bus 305 is used to realize communication connections between components. The communication port 306 is used for communication between the electronic device and other peripherals.

[0073] exist Figure 2 The system bus 305 mentioned can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. This system bus can be divided into address bus, data bus, control bus, etc. For ease of representation, it is represented by only one thick line in the figure, but this does not indicate that there is only one bus or one type of bus. The communication interface is used to enable communication between the database access device and other devices (e.g., clients, read-write libraries, and read-only libraries). Memory may include Random Access Memory (RAM) and may also include non-volatile memory, such as at least one disk storage device.

[0074] The processors mentioned above can be general-purpose processors, including central processing units (CPUs), network processors (NPs), graphics processing units (GPUs), etc.; they can also be digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components.

[0075] It should be noted that the embodiments of the present invention also provide a computer-readable storage medium storing instructions that, when run on a computer, cause the computer to perform the methods and processes provided in the above embodiments.

[0076] This invention also provides a chip for executing instructions, which is used to perform the processing steps described in the foregoing method embodiments.

[0077] This invention provides a method for handling abnormal refunds at charging stations, an electronic device, and a computer-readable storage medium. The charging station is configured with a charging record for each charging session. During charging, charging billing and available balance updates are performed based on this record. At the end of charging, a refund is processed for the hardware wallet (also known as the digital currency wallet module) of the digital currency physical card based on the charging record. The refund status marker in the record is only switched from "not refunded" to "refunded" upon successful refund. After the refund is processed, the charging record is sent to a remote platform. The remote platform then determines whether the refund for that charging session was successful based on the refund status marker in the charging record. If unsuccessful, a transfer is immediately made to the bank account corresponding to the digital currency physical card through the platform's bank transaction interface, thus achieving timely refunds through a remote transaction method. This invention allows for timely refunds to users when a hardware wallet (also known as the digital currency wallet module) refund fails during charging, improving the timeliness of refund processing and reducing the risk of user financial loss.

[0078] Those skilled in the art will further recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this invention.

[0079] The steps of the methods or algorithms described in conjunction with the embodiments disclosed herein can be implemented in hardware, a software module executed by a processor, or a combination of both. The software module can be located in random access memory (RAM), main memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium known in the art.

[0080] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for handling abnormal refunds for charging piles, characterized in that, The method includes: When a user inserts a first charging payment card, the charging station reads and processes the bank account information of the card to obtain a corresponding first account identifier. The charging duration input by the user is then used as the first charging duration. Based on a preset charging duration-pre-deduction rule, the pre-deduction amount corresponding to the first charging duration is used as the first deduction amount. Pre-deduction is then processed on the first charging payment card according to the first deduction amount. Upon successful pre-deduction, a corresponding first charging record is created based on the first account identifier and the first deduction amount. Charging begins for the vehicle currently connected to the charging station when the first charging record is successfully created. Real-time billing is performed on the first charging record during the charging process. At the end of the charging session, a refund is processed on the first charging payment card based on the first charging record. After the refund, the first charging record is sent to a remote platform. The remote platform uses the received first charging record as the corresponding current charging record; it then identifies whether the current charging record is abnormal; if an abnormality is detected in the current charging record, it processes the refund to the corresponding charging payment card bank account based on the current charging record. The first charging record includes a first payment card identifier field, a first prepaid field, a first charging billing field, a first available balance field, and a first refund status field; the first refund status field includes a refunded status and a non-refunded status.

2. The method for handling abnormal refunds for charging piles according to claim 1, characterized in that, The first charging payment card is a digital currency physical card; the digital currency physical card includes a digital RMB physical card; the first charging payment card includes a digital currency account module and a digital currency wallet module; the digital currency account module is used to store the bank account information; the digital currency wallet module is used to store the digital currency amount; The charging time-pre-deduction rule includes multiple first correspondence rules; the first correspondence rule includes a charging time range and the corresponding pre-deduction amount; The charging time range consists of two preset times, namely a first preset time and a second preset time; the first preset time is less than the second preset time.

3. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The preset charging duration-pre-deduction rule uses the pre-deduction amount corresponding to the first charging duration as the corresponding first deduction amount, specifically including: The charging pile uses the pre-deduction amount corresponding to the charging duration range that satisfies the first charging duration in the charging duration-pre-deduction rule as the corresponding first deduction amount.

4. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The step of pre-deducting payment from the first charging payment card based on the first deduction amount specifically includes: The charging pile sets the current consumption amount as the corresponding first deduction amount, and performs corresponding digital currency wallet consumption processing on the digital currency wallet module of the first charging payment card based on the current consumption amount; and confirms the successful pre-deduction processing when the digital currency wallet consumption processing is successful.

5. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The step of creating a corresponding first charging record based on the first account identifier and the first deduction amount specifically includes: The charging pile creates a first charging record with empty content locally; and sets the first payment card identifier field of the first charging record to the corresponding first account identifier, sets the first prepayment field to the corresponding first deduction amount, sets the first charging billing field to 0, sets the first available balance field to the first deduction amount, and sets the first refund status field to non-refund status; and confirms that the first charging record was successfully created when the field settings of the first charging record are completed.

6. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The real-time billing process for the first charging record during the current charging session specifically includes: During the current charging process, the charging pile calculates the charging fees within the most recent first specified time interval every first specified time interval to obtain the corresponding first amount; extracts the first deduction amount field and the first charging billing field from the first charging record as the corresponding current deduction amount and previous billing amount; adds the previous billing amount to the first amount as the corresponding next billing amount; subtracts the next billing amount from the current deduction amount to obtain the corresponding current available balance; and updates the first charging billing field of the first charging record to the corresponding next billing amount and the first available balance field to the corresponding current available balance.

7. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The step of refunding the first charging payment card based on the first charging record at the end of the current charging session specifically includes: When the charging station finishes charging, it extracts the first available balance field of the first charging record as the corresponding top-up amount for that charging session; and performs corresponding top-up processing on the digital currency wallet module of the first charging payment card based on the top-up amount for that charging session; if the top-up processing is successful, it sets the first refund status field of the first charging record to a refunded status.

8. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The process of identifying whether there are any anomalies in the current charging record specifically includes: The remote platform extracts the first refund status field from the current charging record as the corresponding current refund status; and identifies whether the current refund status is a non-refund status; if so, it confirms that the current charging record is abnormal; if not, it confirms that the current charging record is not abnormal.

9. The method for handling abnormal refunds for charging piles according to claim 2, characterized in that, The process of processing abnormal refunds to the corresponding bank account for the charging payment card based on the current charging record specifically includes: The remote platform extracts the first payment card identifier field and the first available balance field from the current charging record as the corresponding bank account number and transfer amount for the current transaction; and calls a preset bank transaction interface to perform the corresponding account transfer processing for the current bank account based on the transfer amount for the current transaction.

10. An electronic device, characterized in that, include: Memory, processor, and transceiver; The processor is configured to be coupled to the memory, read and execute instructions in the memory to implement the method according to any one of claims 1-9; The transceiver is coupled to the processor, and the processor controls the transceiver to send and receive messages.

11. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that, when executed by a computer, cause the computer to perform the method according to any one of claims 1-9.

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