Card virtual credit wallet quota supplementing and deducting method and device

Abstract

The embodiment of the invention provides a card virtual credit wallet quota supplementing and deducting method and device, and the method comprises the steps: obtaining the card information and offline consumption information of a target card in response to a received communication request of the target card; determining target offline consumption information according to the offline consumption information; when the consumption terminal is in an on-line state, sending card information and target off-line consumption information to a service system, so that the service system determines quota supplement information of a virtual credit wallet of a target card according to the card information and the target off-line consumption information; and receiving the quota supplement information of the virtual credit wallet returned by the business system, and performing quota supplement on the virtual credit wallet according to the quota supplement information of the virtual credit wallet, thereby improving the user consumption experience.

Description

Technical Field

[0001] The present invention relates to the fields of computer technology and related technologies, and in particular to a method and device for deducting a credit limit of a card virtual credit wallet. Background Art

[0002] Payment is an indispensable part of campus life and a key link in the closed loop of the campus ecological model.

[0003] Campus payment scenarios are mainly offline, and payment is mainly achieved by swiping campus cards through POS machines. During the interaction between campus cards and POS, there may be a situation where the POS is offline. When the POS is offline, campus cards cannot be used for transactions, causing great inconvenience to campus life. Summary of the invention

[0004] The embodiments described herein provide a card virtual credit wallet limit deduction method and device to solve the problems existing in the prior art.

[0005] In a first aspect, according to the content of the present disclosure, a card virtual credit wallet limit deduction method is provided, which is applied to a consumption terminal and includes: In response to the received communication request of the target card, acquiring the card information and offline consumption information of the target card, wherein the card information at least includes the card code, the card account number and the initial balance of the virtual credit wallet, and the offline consumption information at least includes the transaction time, the transaction amount, the transaction method and the transaction type; Determining target offline consumption information according to the offline consumption information; When the consumption terminal is in an online state, the card information and the target offline consumption information are sent to the business system, so that the business system determines the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; Receive the credit limit supplement information of the virtual credit wallet returned by the business system, and supplement the credit limit of the virtual credit wallet according to the credit limit supplement information of the virtual credit wallet.

[0006] In some embodiments of the present disclosure, determining target offline consumption information according to the offline consumption information includes: According to the transaction time of the offline consumption information, the offline consumption information is sorted in reverse order; According to the result of sorting the offline consumption information in reverse order, a target number of offline consumption information is selected from the offline consumption information to form target offline consumption information.

[0007] In some embodiments of the present disclosure, when the consumer terminal is in an online state, the method further includes: If the communication request is a payment request, sending the consumption amount corresponding to the payment request to the business system, so that the business system deducts the consumption amount from the card account number in the business system database; If the communication request is a request for modifying the virtual credit wallet limit, a modified amount corresponding to the virtual credit wallet limit modification request is sent to the business system, so that the business system outputs a control instruction to the consumption terminal according to the modified amount and the initial amount of the virtual credit wallet, and then modifies the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

[0008] In some embodiments of the present disclosure, the method further includes: When the consumption terminal is in an offline state and the communication request is a payment request, determining payment request response information according to a relationship between a consumption amount of the payment request and an initial amount of the virtual credit wallet; When the consumption terminal is in an offline state and the communication request is a virtual credit wallet limit modification request, a first voice prompt message is output.

[0009] In some embodiments of the present disclosure, determining the payment request response information according to the relationship between the consumption amount of the payment request and the initial amount of the virtual credit wallet includes: When the consumption amount is less than or equal to the initial balance of the virtual credit wallet, sending a payment success response message to the target card, so that the target card deducts the consumption amount from the initial balance of the virtual credit wallet according to the payment success response message and generates the offline consumption information; When the consumption amount is greater than the initial amount of the virtual credit wallet, a second voice prompt message is output.

[0010] In a second aspect, according to the content of the present disclosure, a card virtual credit wallet limit deduction method is provided, which is applied to a business system, including: Receiving card information and target offline consumption information of a target card sent by a consumption terminal, wherein the card information and offline consumption information of the target card are obtained from the target card when the consumption terminal receives a communication request from the target card, and the target offline consumption information is determined based on the offline consumption information, wherein the card information at least includes a card code, a card account number, and an initial balance of a virtual credit wallet, and the offline consumption information at least includes a transaction time, a transaction amount, a transaction method, and a transaction type; Determining the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; The credit limit replenishment information of the virtual credit wallet is sent to the consumption terminal, so that the consumption terminal replenishes the credit limit of the virtual credit wallet of the target card according to the credit limit replenishment and interest compensation of the virtual credit wallet.

[0011] In some embodiments of the present disclosure, determining the amount supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information includes: When the card code meets the preset code, the target offline consumption information is sorted in reverse order according to the transaction time of each target offline consumption information; According to the result of the reverse sorting of the target offline consumption information, the target offline consumption information with the transaction type of credit line replenishment at the first position is selected from the target offline consumption information; Obtain the target offline consumption information before the transaction time corresponding to the offline consumption information with the first transaction type of credit replenishment, and form the sub-target offline consumption information; The credit limit supplementary information of the virtual credit wallet of the target card is determined according to the offline consumption information of the sub-target.

[0012] In some embodiments of the present disclosure, determining the amount supplementary information of the virtual credit wallet of the target card according to the sub-target offline consumption information includes: Determine the virtual consumption amount according to the transaction type and transaction amount in the sub-target offline consumption information; The credit limit supplementary information of the virtual credit wallet of the target card is determined according to the virtual consumption amount.

[0013] In some embodiments of the present disclosure, it also includes: Receive the consumption amount corresponding to the payment request, and deduct the consumption amount from the card account number in the business system database; Receive a revised amount corresponding to the virtual credit wallet limit revision request, and output a control instruction to the consumption terminal according to the revised amount and the initial amount of the virtual credit wallet, and then modify the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

[0014] In a third aspect, according to the content of the present disclosure, a card virtual credit wallet limit deduction device is provided, comprising: An information acquisition module, configured to acquire, in response to a received communication request of a target card, card information and offline consumption information of the target card, wherein the card information at least includes a card code, a card account number, and an initial balance of a virtual credit wallet, and the offline consumption information at least includes a transaction time, a transaction amount, a transaction method, and a transaction type; A target offline consumption information determination module, used to determine target offline consumption information according to the offline consumption information; An information sending module, used for sending the card information and the target offline consumption information to the business system when the consumption terminal is in an online state, so that the business system generates the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; The credit replenishment module is used to receive the credit replenishment information of the virtual credit wallet returned by the business system, and replenish the credit of the virtual credit wallet according to the credit replenishment information of the virtual credit wallet.

[0015] The card virtual credit wallet credit limit replenishment method and device provided by the embodiments of the present disclosure obtain the card information and offline consumption information of the target card in response to the communication request received from the target card; determine the target offline consumption information according to the offline consumption information; when the consumption terminal is online, send the card information and the target offline consumption information to the business system, so that the business system generates the credit limit replenishment information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; receive the credit limit replenishment information of the virtual credit wallet returned by the business system, and replenish the credit limit of the virtual credit wallet according to the credit limit replenishment information of the virtual credit wallet. By setting a virtual credit wallet on the target card, when the consumption terminal is offline, the virtual amount of the virtual credit wallet of the target card can be consumed, and the target card generates offline consumption information of the target card when the consumption terminal is offline. When the consumption terminal is online, the offline consumption information of the target card is sent to the business system, so that the business system determines the credit limit supplement information of the virtual credit wallet of the target card according to the target offline consumption information, thereby realizing the credit limit supplement of the virtual credit wallet of the target card. On the one hand, when the consumption terminal is offline, the user can make offline consumption through the virtual credit wallet, thereby improving the user consumption experience. On the other hand, when the consumption terminal is online, the credit limit of the user's virtual credit wallet is replenished in time according to the obtained offline consumption information, thereby ensuring that the user can use the virtual credit wallet normally when the consumption terminal is offline next time, thereby further improving the user consumption experience.

[0016] The above description is only an overview of the technical solution of the embodiment of the present application. In order to more clearly understand the technical means of the embodiment of the present application, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the embodiment of the present application more obvious and easy to understand, the specific implementation methods of the present application are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings of the embodiments will be briefly described below. It should be noted that the drawings described below only relate to some embodiments of the present disclosure, but are not intended to limit the present disclosure, wherein: Figure 1 It is a flowchart of a card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 2 It is an interactive schematic diagram of a card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 3A It is an interactive schematic diagram of another card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 3B It is an interactive schematic diagram of another card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 4A It is an interactive schematic diagram of another card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 4B It is an interactive schematic diagram of another card virtual credit wallet limit supplementary deduction method provided by an embodiment of the present disclosure; Figure 5 It is a flowchart of another card virtual credit wallet limit deduction method provided by an embodiment of the present disclosure; Figure 6 It is a structural schematic diagram of a card virtual credit wallet limit supplementary deduction device provided by an embodiment of the present disclosure; Figure 7 It is a structural schematic diagram of another card virtual credit wallet limit deduction device provided by an embodiment of the present disclosure; Figure 8 It is a structural diagram of a computer device provided in an embodiment of the present disclosure.

[0018] In the drawings, reference numerals with the same last two digits correspond to the same elements. It should be noted that the elements in the drawings are schematic and not drawn to scale. DETAILED DESCRIPTION

[0019] In order to make the purpose, technical solution and advantages of the embodiments of the present disclosure clearer, the technical solution of the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present disclosure, rather than all of the embodiments. Based on the described embodiments of the present disclosure, all other embodiments obtained by those skilled in the art without creative work also fall within the scope of protection of the present disclosure.

[0020] Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by a person skilled in the art to which the subject matter of the present disclosure belongs. It will be further understood that terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the specification and the relevant art, and will not be interpreted in an idealized or overly formal form unless otherwise explicitly defined herein. As used herein, a statement that two or more parts are "connected" or "coupled" together shall mean that the parts are joined together directly or through one or more intermediate components.

[0021] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase "embodiments" in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0022] The term "and / or" in this article is only a description of the association relationship of the associated objects, indicating that there can be three relationships. For example, A and / or B can mean: A exists, A and B exist at the same time, and B exists. In addition, the character " / " in this article generally indicates that the associated objects before and after are in an "or" relationship.

[0023] Furthermore, in all embodiments of the present disclosure, terms such as “first” and “second” are used only to distinguish one component (or a part of a component) from another component (or another part of a component).

[0024] In the description of the present application, unless otherwise specified, “plurality” means more than two (including two), and similarly, “plurality groups” means more than two (including two).

[0025] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0026] Based on the problems existing in the prior art, the embodiment of the present disclosure provides a card virtual credit wallet credit limit replenishment method. In the card virtual credit wallet credit limit replenishment method provided by the embodiment of the present disclosure, the target card is connected to the consumer terminal in communication, and the consumer terminal is connected to the business system in communication. Figure 1 is a flowchart of a card virtual credit wallet credit limit supplement method provided by an embodiment of the present disclosure, Figure 2 This is an interactive diagram of a card virtual credit wallet credit limit supplement method provided by the present disclosure, combined with Figure 1 and Figure 2 , the card virtual credit wallet limit deduction methods include: S110. In response to the received communication request of the target card, obtain the card information and offline consumption information of the target card.

[0027] Among them, the card information at least includes the card code, card account number and the initial balance of the virtual credit wallet, and the offline consumption information at least includes the transaction time, transaction amount, transaction method and transaction type.

[0028] In a specific implementation, when a user attaches a card to a consumption terminal, that is, attaches a target card to the consumption terminal, a communication connection is established between the target card and the consumption terminal, the consumption terminal receives a communication request from the target card, and obtains a card code, a card account number, and an initial balance of a virtual credit wallet of the target card, wherein the card code is used to identify the card, and after obtaining the card information, the consumption terminal sends the card information to a business system, and the business system can determine whether the target card belongs to a card within the management scope of the business system and whether the target card attached to the consumption terminal is a student card or a faculty card through the card code in the card information, and the card account number is used to determine whether the virtual balance in the virtual credit wallet is deducted when the target card is consumed at the consumption terminal, and when the consumption terminal is online, the business system can filter out the account balance of the card account number from the business system database through the card account number in the card information and deduct the virtual balance of the consumed virtual credit wallet from the account balance of the card account number, and the initial balance of the virtual credit wallet is used to mark the maximum virtual balance that the target card can consume at the consumption terminal by credit when the consumption terminal is offline.

[0029] In addition, in the embodiment of the present disclosure, a virtual credit wallet is provided in the card, and the virtual credit wallet includes an initial amount of a certain amount. When the consumption terminal is offline (the consumption terminal fails to access the interface of the business system to obtain the account amount corresponding to the card account number), since the consumption terminal cannot communicate with the business system, the consumption terminal cannot deduct the consumption amount from the account amount of the card account number stored in the business system database. At this time, the consumption terminal can consume the virtual amount of the virtual credit wallet of the card, so as to realize the normal consumption of the card when the consumption terminal is offline, and improve the consumption experience of the user. However, since the consumption terminal consumes the virtual amount of the virtual credit wallet of the card when it is offline, the offline consumption information will be stored on the card. When the consumption terminal is online, the business system can filter out the account amount of the card account number from the business system database through the card account number in the card information and deduct the virtual amount of the consumed virtual credit wallet from the account amount of the card account number and determine the amount supplementary information of the virtual credit wallet of the card.

[0030] Therefore, in order to deduct a virtual amount from the account balance of the card account number in the business system database and replenish the credit limit of the card's virtual credit wallet, in the embodiment of the present disclosure, after receiving the communication request of the target card, the consumption terminal not only obtains the card information of the target card, but also obtains the offline consumption information of the target card, wherein the offline consumption information includes the transaction time, transaction amount, transaction method and transaction type, the transaction method includes offline transaction and credit limit replenishment, and the transaction type includes adding money transaction and subtracting money transaction.

[0031] S120: Determine target offline consumption information according to the offline consumption information.

[0032] In a specific implementation, target offline consumption information is determined based on offline consumption information, including: sorting the offline consumption information in reverse order based on the transaction time of the offline consumption information; and based on the result of sorting the offline consumption information in reverse order, selecting a target number of offline consumption information from the offline consumption information to form the target offline consumption information.

[0033] Since the offline consumption information stored in the target card includes the consumption information corresponding to when all consumption terminals are in an offline state, and the transaction methods include offline transactions and credit limit replenishment, some offline consumption information may have been replenished. Therefore, in order to improve the efficiency of determining the credit limit supplement information of the virtual credit wallet of the target card, in the card virtual credit wallet credit limit replenishment method provided in the embodiment of the present disclosure, after obtaining the offline consumption information of the target card, according to the transaction time of each offline consumption information, the offline consumption information of the first target number with the earliest transaction time is screened out to form the target offline consumption information.

[0034] In an exemplary manner, the offline consumption information stored in the target card includes: offline consumption information 1, offline consumption information 2, ..., offline consumption information N, where N is an integer greater than or equal to 1, and according to the transaction time of each offline consumption information, the offline consumption information stored in the target card is sorted as follows: offline consumption information 1, offline consumption information 2, ..., offline consumption information N, therefore, offline consumption information 1, offline consumption information 2, ..., offline consumption information 10 are screened to form the target offline consumption information.

[0035] S130: When the consumption terminal is in an online state, the card information and the target offline consumption information are sent to the business system, so that the business system generates the credit limit supplement information of the virtual credit wallet of the target card according to the card information and the target offline consumption information.

[0036] In a specific implementation manner, when the consumption terminal is online, the consumption terminal can send the card information and the target offline consumption information to the business system. The business system receives the card issuance information and the target offline consumption information sent by the consumption terminal. The business system first sorts the target offline consumption information in reverse order according to the transaction time of each target offline consumption information; based on the result of the reverse order of the target offline consumption information, the target offline consumption information with the first transaction type of credit line replenishment is filtered out from the target offline consumption information; the target offline consumption information before the transaction time corresponding to the target offline consumption information with the first transaction type of credit line replenishment is obtained to form sub-target offline consumption information; based on the sub-target offline consumption information, the credit line replenishment information of the virtual credit wallet of the target card is determined.

[0037] Among them, according to the sub-target offline consumption information, the credit limit supplementary information of the virtual credit wallet of the target card is determined, including: according to the transaction type and transaction amount in the sub-target offline consumption information, the virtual consumption amount is determined; according to the virtual consumption amount, the credit limit supplementary information of the virtual credit wallet of the target card is determined.

[0038] Exemplarily, the consumption terminal sends the card information to the business system, and sends offline consumption information 1, offline consumption information 2, ..., offline consumption information 10 to the business system. The business system selects the target offline consumption information with the first transaction type as the credit line replenishment according to the transaction type of each target offline consumption information. For example, the transaction type corresponding to offline consumption information 1 is offline transaction, the transaction type corresponding to offline consumption information 2 is offline transaction, the transaction type corresponding to offline consumption information 3 is credit line replenishment, and the transaction type corresponding to offline consumption information 4 is offline transaction. ., if the transaction type corresponding to offline consumption information 10 is offline transaction, then the target offline consumption information with the first transaction type of credit limit replenishment is offline consumption information 3. At this time, the determined sub-target offline consumption information is offline consumption information 2 and offline consumption information 1. At this time, according to the transaction type and transaction amount in offline consumption information 2 and offline consumption information 1, the virtual consumption amount can be determined, and then according to the virtual consumption amount, the limit replenishment information of the virtual credit wallet of the target card is determined, that is, the virtual consumption amount is the limit replenishment information of the virtual credit wallet of the target card.

[0039] S140: Receive the credit limit supplement information of the virtual credit wallet returned by the business system, and supplement the credit limit of the virtual credit wallet according to the credit limit supplement information of the virtual credit wallet.

[0040] After the business system determines the credit limit replenishment information of the virtual credit wallet of the target card, the business system sends the credit limit replenishment information of the virtual credit wallet of the target card to the consumption terminal. The consumption terminal receives the credit limit replenishment information of the virtual credit wallet of the target card returned by the business system, and replenishes the credit limit of the virtual credit wallet according to the credit limit replenishment information of the virtual credit wallet, so that when the consumption terminal is offline, the initial amount of the virtual credit wallet consumed by the target card at the consumption terminal is realized, and when the consumption terminal is online, the credit limit of the virtual credit wallet is replenished.

[0041] It should be noted that in the above embodiment, if the virtual credit wallet of the target card has not made offline payments, the initial balance of the virtual credit wallet, that is, the initial balance of the virtual credit wallet of the target card stored in the background of the business system, will change as the virtual credit wallet of the target card makes offline purchases, but the initial balance of the virtual credit wallet of the target card stored in the background of the business system will not change.

[0042] The card virtual credit wallet credit limit replenishment method provided by the embodiment of the present disclosure obtains the card information and offline consumption information of the target card in response to the communication request received from the target card; determines the target offline consumption information according to the offline consumption information; when the consumption terminal is online, sends the card information and the target offline consumption information to the business system, so that the business system generates the credit limit replenishment information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; receives the credit limit replenishment information of the virtual credit wallet returned by the business system, and replenishes the credit limit of the virtual credit wallet according to the credit limit replenishment information of the virtual credit wallet. By setting a virtual credit wallet on the target card, when the consumption terminal is offline, the virtual amount of the virtual credit wallet of the target card can be consumed, and the target card generates offline consumption information of the target card when the consumption terminal is offline. When the consumption terminal is online, the offline consumption information of the target card is sent to the business system, so that the business system determines the credit limit supplement information of the virtual credit wallet of the target card according to the target offline consumption information, thereby realizing the credit limit supplement of the virtual credit wallet of the target card. On the one hand, when the consumption terminal is offline, the user can make offline consumption through the virtual credit wallet, thereby improving the user consumption experience. On the other hand, when the consumption terminal is online, the credit limit of the user's virtual credit wallet is replenished in time according to the obtained offline consumption information, thereby ensuring that the user can use the virtual credit wallet normally when the consumption terminal is offline next time, thereby further improving the user consumption experience.

[0043] On the basis of the above embodiment, when the consumer terminal is in an online state, the method further includes: If the communication request is a payment request, the consumption amount corresponding to the payment request is sent to the business system, so that the business system deducts the consumption amount from the card account number in the business system database.

[0044] Specifically, Figure 3A As shown, when the communication request between the target card and the consumer terminal is a payment request, when the consumer terminal is online, the consumer terminal sends the consumption amount of the payment request to the business system. The business system obtains the account balance of the card account number from the business system data based on the card account number of the target card, and deducts the consumption amount from the account balance of the card account number.

[0045] If the communication request is a request for modifying the virtual credit wallet limit, a modified amount corresponding to the virtual credit wallet limit modification request is sent to the business system, so that the business system outputs a control instruction to the consumption terminal according to the modified amount and the initial amount of the virtual credit wallet, and then modifies the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

[0046] Specifically, Figure 3B As shown, if the communication request is a virtual credit wallet limit correction request, the virtual credit wallet limit correction request includes a virtual credit wallet limit increase request and a virtual credit wallet limit decrease request. At this time, the consumer terminal sends the correction amount corresponding to the virtual credit wallet limit correction request to the business system, and the business system receives the correction amount sent by the consumer terminal, adds the correction amount to the initial amount of the virtual credit wallet to obtain the target amount of the virtual credit wallet, and then sends the target amount of the virtual credit wallet to the consumer terminal in the form of a control instruction, and the target amount of the virtual credit wallet is written back on the target card through the consumer terminal.

[0047] On the basis of the above-mentioned embodiment, the card virtual credit wallet limit supplementary deduction method provided in the embodiment of the present disclosure further includes: When the consumption terminal is offline and the communication request is a payment request, determining payment request response information according to the relationship between the consumption amount of the payment request and the initial amount of the virtual credit wallet; Among them, when the consumption amount is less than or equal to the initial amount of the virtual credit wallet, a payment success response message is sent to the target card, so that the target card deducts the consumption amount from the initial amount of the virtual credit wallet according to the payment success response message and generates offline consumption information; when the consumption amount is greater than the initial amount of the virtual credit wallet, a second voice prompt message is output.

[0048] In a specific embodiment, Figure 4A As shown, when the communication request between the target card and the consumption terminal is a payment request, at this time, since the consumption terminal is in an offline state, the consumption terminal cannot communicate with the business system. Therefore, the consumption terminal cannot deduct the consumption amount from the account balance of the card account number stored in the business system database, but consumes the initial balance of the virtual credit wallet of the target card. At this time, the consumption terminal determines the relationship between the consumption amount of the payment request and the initial balance of the virtual credit wallet. When the consumption amount of the payment request is less than or equal to the initial balance of the virtual credit wallet, the consumption terminal sends a payment success response message to the target card, so that the target card deducts the consumption amount from the initial balance of the virtual credit wallet according to the payment success response message and generates offline consumption information. When the consumption amount is greater than the initial balance of the virtual credit wallet, the consumption terminal outputs a second voice prompt message to prompt the user corresponding to the target card that the user cannot consume through the virtual credit wallet.

[0049] When the consumption terminal is in an offline state and the communication request is a virtual credit wallet limit modification request, a first voice prompt message is output.

[0050] Specifically, Figure 4BAs shown, if the communication request is a virtual credit wallet limit correction request, the virtual credit wallet limit correction request includes a virtual credit wallet limit increase request and a virtual credit wallet limit decrease request. At this time, since the consumption terminal is offline, the consumption terminal cannot send the correction amount corresponding to the virtual credit wallet limit correction request to the business system, and cannot correct the initial balance of the virtual credit wallet of the target card. Therefore, the first voice prompt information is output to prompt the user corresponding to the target card that the virtual credit wallet limit increase request has failed.

[0051] It should be noted that in the above embodiment, when the communication request is a payment request, the transaction type is a money reduction transaction; when the communication request is a virtual credit wallet limit modification request, if the virtual credit wallet limit modification request requests an increase in the virtual credit wallet limit, the transaction type is a money addition transaction; if the virtual credit wallet limit modification request requests a decrease in the virtual credit wallet limit, the transaction type is a money reduction transaction.

[0052] Based on the above embodiments, Figure 5 This is a flow chart of another card virtual credit wallet credit limit supplement method provided by the present disclosure, combined with Figure 2 and Figure 5 , the card virtual credit wallet limit deduction method includes: S210: Receive card information of a target card and target offline consumption information sent by a consumption terminal.

[0053] In a specific implementation, when the consumption terminal is online, the card information of the target card and the target offline consumption information sent by the consumption terminal are received. At this time, the business system determines whether the target card belongs to the card within the management scope of the business system and whether the target card attached to the consumption terminal is a student card or a faculty card based on the card code in the received card information. The business system obtains the account balance of the card account number from the business system database based on the card account number in the received card information.

[0054] S220: Determine the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information.

[0055] In a specific implementation manner, the credit limit supplement information of the virtual credit wallet of the target card is determined according to the card information and the target offline consumption information, including: when the card code meets the preset code, the target offline consumption information is sorted in reverse order according to the transaction time of each target offline consumption information; according to the result of the reverse order of the target offline consumption information, the target offline consumption information with the first transaction type of credit limit supplement is screened from the target offline consumption information; the target offline consumption information before the transaction time corresponding to the offline consumption information with the first transaction type of credit limit supplement is obtained to form sub-target offline consumption information; according to the sub-target offline consumption information, the credit limit supplement information of the virtual credit wallet of the target card is determined.

[0056] Among them, according to the sub-target offline consumption information, the credit limit supplementary information of the virtual credit wallet of the target card is determined, including: according to the transaction type and transaction amount in the sub-target offline consumption information, the virtual consumption amount is determined; according to the virtual consumption amount, the credit limit supplementary information of the virtual credit wallet of the target card is determined.

[0057] S230: Send the credit limit replenishment information of the virtual credit wallet to the consumption terminal, so that the consumption terminal replenishes the credit limit of the virtual credit wallet of the target card according to the credit limit replenishment and interest supplement of the virtual credit wallet.

[0058] Based on the above embodiments, the present disclosure also provides a card virtual credit wallet limit deduction device. Figure 6 is a schematic diagram of the structure of the card virtual credit wallet limit supplementary deduction device provided by the embodiment of the present disclosure, such as Figure 6 As shown, the card virtual credit wallet limit deduction device includes: The information acquisition module 610 is used to obtain the card information and offline consumption information of the target card in response to the received communication request of the target card, wherein the card information at least includes the card code, the card account number and the initial balance of the virtual credit wallet, and the offline consumption information at least includes the transaction time, transaction amount, transaction method and transaction type; A target offline consumption information determination module 620, configured to determine target offline consumption information according to the offline consumption information; The information sending module 630 is used to send the card information and the target offline consumption information to the business system when the consumption terminal is online, so that the business system generates the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; The credit replenishment module 640 is used to receive the credit replenishment information of the virtual credit wallet returned by the business system, and replenish the credit of the virtual credit wallet according to the credit replenishment information of the virtual credit wallet.

[0059] The card virtual credit wallet credit limit replenishment device provided by the embodiment of the present disclosure obtains the card information and offline consumption information of the target card in response to the communication request received from the target card; determines the target offline consumption information according to the offline consumption information; sends the card information and the target offline consumption information to the business system when the consumption terminal is online, so that the business system generates the credit limit replenishment information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; receives the credit limit replenishment information of the virtual credit wallet returned by the business system, and replenishes the credit limit of the virtual credit wallet according to the credit limit replenishment information of the virtual credit wallet. By setting a virtual credit wallet on the target card, when the consumption terminal is offline, the virtual amount of the virtual credit wallet of the target card can be consumed, and the target card generates offline consumption information of the target card when the consumption terminal is offline. When the consumption terminal is online, the offline consumption information of the target card is sent to the business system, so that the business system determines the credit limit supplement information of the virtual credit wallet of the target card according to the target offline consumption information, thereby realizing the credit limit supplement of the virtual credit wallet of the target card. On the one hand, when the consumption terminal is offline, the user can make offline consumption through the virtual credit wallet, thereby improving the user consumption experience. On the other hand, when the consumption terminal is online, the credit limit of the user's virtual credit wallet is replenished in time according to the obtained offline consumption information, thereby ensuring that the user can use the virtual credit wallet normally when the consumption terminal is offline next time, thereby further improving the user consumption experience.

[0060] In a specific embodiment, it also includes: Determine target offline consumption information according to the offline consumption information, including: According to the transaction time of the offline consumption information, the offline consumption information is sorted in reverse order; According to the result of sorting the offline consumption information in reverse order, the offline consumption information of the first target quantity is screened out from the offline consumption information to form the target offline consumption information.

[0061] In a specific implementation manner, when the consumer terminal is in an online state, it also includes: If the communication request is a payment request, the consumption amount corresponding to the payment request is sent to the business system, so that the business system deducts the consumption amount from the card account number in the business system database; If the communication request is a request for modifying the virtual credit wallet limit, a modified amount corresponding to the virtual credit wallet limit modification request is sent to the business system, so that the business system outputs a control instruction to the consumption terminal according to the modified amount and the initial amount of the virtual credit wallet, and then modifies the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

[0062] In a specific embodiment, the method further comprises: When the consumption terminal is offline and the communication request is a payment request, determining payment request response information according to the relationship between the consumption amount of the payment request and the initial amount of the virtual credit wallet; When the consumption terminal is in an offline state and the communication request is a virtual credit wallet limit modification request, a first voice prompt message is output.

[0063] In a specific implementation, the payment request response information is determined according to the relationship between the consumption amount of the payment request and the initial amount of the virtual credit wallet, including: When the consumption amount is less than or equal to the initial balance of the virtual credit wallet, a payment success response message is sent to the target card, so that the target card deducts the consumption amount from the initial balance of the virtual credit wallet according to the payment success response message and generates offline consumption information; When the consumption amount is greater than the initial amount of the virtual credit wallet, a second voice prompt message is output.

[0064] On the basis of the above-mentioned embodiment, the disclosed embodiment also provides another card virtual credit wallet limit deduction device, Figure 7 is a schematic diagram of the structure of the card virtual credit wallet limit supplementary deduction device provided by the embodiment of the present disclosure, such as Figure 7 As shown, the card virtual credit wallet limit deduction device includes: The information receiving module 710 is used to receive the card information of the target card and the target offline consumption information sent by the consumption terminal, wherein the card information at least includes the card code, the card account number and the initial balance of the virtual credit wallet, and the offline consumption information at least includes the transaction time, transaction amount, transaction method and transaction type; A credit limit supplement information determination module 720, for determining credit limit supplement information of a virtual credit wallet of a target card according to the card information and the target offline consumption information; The information sending module 730 is used to send the credit limit replenishment information of the virtual credit wallet to the consumption terminal, so that the consumption terminal replenishes the credit limit of the virtual credit wallet of the target card according to the credit limit replenishment and interest compensation of the virtual credit wallet.

[0065] In a specific implementation, the amount supplement information of the virtual credit wallet of the target card is determined according to the card information and the target offline consumption information, including: When the card code meets the preset code, the target offline consumption information is sorted in reverse order according to the transaction time of each target offline consumption information; According to the result of reverse sorting of the target offline consumption information, the target offline consumption information whose transaction type is credit line replenishment and which is ranked first is selected from the target offline consumption information; Obtain the target offline consumption information before the transaction time corresponding to the offline consumption information with the first transaction type of credit replenishment, and form the sub-target offline consumption information; Based on the offline consumption information of the sub-target, the credit limit supplementary information of the virtual credit wallet of the target card is determined.

[0066] In a specific implementation, the amount supplement information of the virtual credit wallet of the target card is determined according to the sub-target offline consumption information, including: Determine the virtual consumption amount according to the transaction type and transaction amount in the offline consumption information of the sub-target; Based on the virtual consumption amount, the credit limit supplementary information of the virtual credit wallet of the target card is determined.

[0067] In a specific embodiment, it also includes: Receive the consumption amount corresponding to the payment request and deduct the consumption amount from the card account number in the business system database; Receive a correction amount corresponding to the virtual credit wallet limit correction request, and output a control instruction to the consumption terminal according to the correction amount and the initial amount of the virtual credit wallet, and then correct the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

[0068] The present application also provides a computer device. Figure 8 , Figure 8 This is a basic structural block diagram of the computer device in this embodiment.

[0069] The computer device includes a memory 510 and a processor 520 that are connected to each other through a system bus. It should be noted that the figure only shows a computer device with components 510-520, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field-programmable gate arrays (Field-Programmable Gate Array, FPGA), digital processors (Digital Signal Processor, DSP), embedded devices, etc.

[0070] Computer devices can be computing devices such as desktop computers, notebooks, PDAs, and cloud servers. Computer devices can interact with users through keyboards, mice, remote controls, touch pads, or voice control devices.

[0071] The memory 510 includes at least one type of readable storage medium, and the readable storage medium includes a non-volatile memory or a volatile memory, such as a flash memory, a hard disk, a multimedia card, a card-type memory (such as an SD or DX memory, etc.), a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc., and the RAM may include a static RAM or a dynamic RAM. In some embodiments, the memory 510 may be an internal storage unit of a computer device, such as a hard disk or a memory of the computer device. In other embodiments, the memory 510 may also be an external storage device of a computer device, such as a plug-in hard disk, a smart memory card (SMC), a secure digital (SD) card, or a flash card (Flash Card), etc., equipped on the computer device. Of course, the memory 510 may also include both an internal storage unit of the computer device and an external storage device thereof. In this embodiment, the memory 510 is generally used to store an operating system and various application software installed on the computer device, such as the program code of the above method, etc. In addition, the memory 510 may also be used to temporarily store various data that have been output or are to be output.

[0072] The processor 520 is generally used to perform the overall operation of the computer device. In this embodiment, the memory 510 is used to store program codes or instructions, the program code includes computer operation instructions, and the processor 520 is used to execute the program codes or instructions stored in the memory 510 or process data, such as running the program code of the above method.

[0073] In this article, the bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus system can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus.

[0074] Another embodiment of the present application also provides a computer-readable medium, which may be a computer-readable signal medium or a computer-readable medium. A processor in a computer reads a computer-readable program code stored in the computer-readable medium, so that the processor can execute the functional actions specified in each step or a combination of steps in the above method; and generate a device for implementing the functional actions specified in each block or a combination of blocks in the block diagram.

[0075] Computer-readable media include but are not limited to electronic, magnetic, optical, electromagnetic, infrared memory or semiconductor systems, devices or apparatuses, or any appropriate combination of the foregoing, the memory is used to store program codes or instructions, the program codes include computer operating instructions, and the processor is used to execute the program codes or instructions of the above methods stored in the memory.

[0076] For the definitions of memory and processor, please refer to the description of the aforementioned computer device embodiment and will not be repeated here.

[0077] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules or units is only a logical function division, and there may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0078] Each functional unit or module in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0079] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) or a processor (processor) to execute all or part of the steps of the various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc., and other media that can store program codes.

[0080] Unless the context clearly indicates otherwise, the singular form of the words used herein and in the appended claims includes the plural and vice versa. Thus, when referring to the singular, the plural form of the corresponding term is generally included. Similarly, the words "comprise" and "include" are to be interpreted as inclusive rather than exclusive. Likewise, the terms "include" and "or" should be interpreted as inclusive unless such interpretation is expressly prohibited herein. Where the term "example" is used herein, particularly when it is located after a group of terms, the "example" is merely exemplary and illustrative and should not be considered exclusive or comprehensive.

[0081] Further aspects and scopes of adaptability become apparent from the description provided herein. It should be understood that various aspects of the present application can be implemented individually or in combination with one or more other aspects. It should also be understood that the description and specific embodiments herein are intended for purposes of illustration only and are not intended to limit the scope of the present application.

[0082] Several embodiments of the present disclosure are described in detail above, but it is obvious that those skilled in the art can make various modifications and variations to the embodiments of the present disclosure without departing from the spirit and scope of the present disclosure. The protection scope of the present disclosure is defined by the attached claims.

Claims

1. A card virtual credit wallet credit limit deduction method, applied to a consumer terminal, characterized in that: include: In response to the received communication request of the target card, obtaining the card information and offline consumption information of the target card, wherein the card information at least includes the card code, the card account number and the initial balance of the virtual credit wallet, and the offline consumption information at least includes the transaction time, the transaction amount, the transaction method and the transaction type; Determining target offline consumption information according to the offline consumption information; When the consumption terminal is in an online state, the card information and the target offline consumption information are sent to the business system, so that the business system determines the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; Receive the credit limit supplement information of the virtual credit wallet returned by the business system, and supplement the credit limit of the virtual credit wallet according to the credit limit supplement information of the virtual credit wallet.

2. The method according to claim 1, characterized in that: The determining target offline consumption information according to the offline consumption information includes: According to the transaction time of the offline consumption information, the offline consumption information is sorted in reverse order; According to the result of sorting the offline consumption information in reverse order, a target number of offline consumption information is selected from the offline consumption information to form target offline consumption information.

3. The method according to claim 1, characterized in that When the consumer terminal is in an online state, it also includes: If the communication request is a payment request, sending the consumption amount corresponding to the payment request to the business system, so that the business system deducts the consumption amount from the card account number in the business system database; If the communication request is a request for modifying the virtual credit wallet limit, a modified amount corresponding to the virtual credit wallet limit modification request is sent to the business system, so that the business system outputs a control instruction to the consumption terminal according to the modified amount and the initial amount of the virtual credit wallet, and then modifies the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

4. The method according to claim 1, characterized in that: The method further comprises: When the consumption terminal is in an offline state and the communication request is a payment request, determining payment request response information according to a relationship between a consumption amount of the payment request and an initial amount of the virtual credit wallet; When the consumption terminal is in an offline state and the communication request is a virtual credit wallet limit modification request, a first voice prompt message is output.

5. The method according to claim 4, characterized in that The determining the payment request response information according to the relationship between the consumption amount of the payment request and the initial amount of the virtual credit wallet includes: When the consumption amount is less than or equal to the initial balance of the virtual credit wallet, sending a payment success response message to the target card, so that the target card deducts the consumption amount from the initial balance of the virtual credit wallet according to the payment success response message and generates the offline consumption information; When the consumption amount is greater than the initial amount of the virtual credit wallet, a second voice prompt message is output.

6. A card virtual credit wallet limit deduction method, applied to a business system, characterized in that: include: Receiving card information and target offline consumption information of a target card sent by a consumption terminal, wherein the card information and offline consumption information of the target card are obtained from the target card when the consumption terminal receives a communication request from the target card, and the target offline consumption information is determined based on the offline consumption information, wherein the card information at least includes a card code, a card account number, and an initial balance of a virtual credit wallet, and the offline consumption information at least includes a transaction time, a transaction amount, a transaction method, and a transaction type; Determining the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; The credit limit replenishment information of the virtual credit wallet is sent to the consumption terminal, so that the consumption terminal replenishes the credit limit of the virtual credit wallet of the target card according to the credit limit replenishment and interest compensation of the virtual credit wallet.

7. The method according to claim 6, characterized in that The step of determining the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information includes: When the card code meets the preset code, the target offline consumption information is sorted in reverse order according to the transaction time of each target offline consumption information; According to the result of the reverse sorting of the target offline consumption information, the target offline consumption information with the transaction type of credit line replenishment at the first position is selected from the target offline consumption information; Obtain the target offline consumption information before the transaction time corresponding to the offline consumption information with the first transaction type of credit replenishment, and form the sub-target offline consumption information; The credit limit supplementary information of the virtual credit wallet of the target card is determined according to the offline consumption information of the sub-target.

8. The method according to claim 7, characterized in that The step of determining the amount supplementary information of the virtual credit wallet of the target card according to the offline consumption information of the sub-target includes: Determine the virtual consumption amount according to the transaction type and transaction amount in the sub-target offline consumption information; The credit limit supplementary information of the virtual credit wallet of the target card is determined according to the virtual consumption amount.

9. The method according to claim 6, characterized in that Also includes: Receive the consumption amount corresponding to the payment request, and deduct the consumption amount from the card account number in the business system database; Receive a revised amount corresponding to the virtual credit wallet limit revision request, and output a control instruction to the consumption terminal according to the revised amount and the initial amount of the virtual credit wallet, and then modify the initial amount of the virtual credit wallet of the target card through the consumption terminal, wherein the control instruction includes the target amount of the virtual credit wallet.

10. A card virtual credit wallet limit deduction device, characterized in that: include: An information acquisition module, configured to acquire, in response to a received communication request of a target card, card information and offline consumption information of the target card, wherein the card information at least includes a card code, a card account number, and an initial balance of a virtual credit wallet, and the offline consumption information at least includes a transaction time, a transaction amount, a transaction method, and a transaction type; A target offline consumption information determination module, used to determine target offline consumption information according to the offline consumption information; An information sending module, used for sending the card information and the target offline consumption information to the business system when the consumption terminal is in an online state, so that the business system generates the credit limit supplementary information of the virtual credit wallet of the target card according to the card information and the target offline consumption information; The credit replenishment module is used to receive the credit replenishment information of the virtual credit wallet returned by the business system, and replenish the credit of the virtual credit wallet according to the credit replenishment information of the virtual credit wallet.

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