Data processing method and device, electronic equipment and storage medium
By freezing and unfreezing of pre-recharge funds in the pre-recharge card, the problem of merchants freely disposal of pre-payments is solved, ensuring the security of funds and reducing the risk of misappropriation of funds, realizing the controllability of services and the protection of user rights and interests.
Patent Information
- Application Number
- CN202411287206.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-13
- Publication Date
- 2025-01-03
AI Technical Summary
In prepaid consumption, merchants can freely dispose of prepayments, resulting in the inability to guarantee funds, which makes subsequent services uncontrollable.
By freezing pre-recharge funds in the pre-recharge card and unfreezing after the write-off instruction is issued, we ensure that funds can only be used after the service is provided, reducing the risk of fund misappropriation, and at the same time, freezing and transferring during refund demand, we guarantee User rights.
It effectively ensures the security of pre-recharged funds, reduces the risk of merchants misappropriating funds before providing services, and ensures that funds are paid on time after users obtain services, improving user experience and service controllability.
Smart Images
Figure CN119250812A_ABST
Abstract
Description
Technical Field
[0001] The embodiments of the present application relate to the field of data processing technology, and in particular, to a data processing method, device, electronic device and storage medium. Background Art
[0002] With the development of technology, consumption scenarios are increasing. In order to meet the consumption needs of users, some merchants provide prepaid consumption. In prepaid consumption, users need to prepay (recharge) a fixed amount of funds to the merchant before obtaining merchant services.
[0003] In the related art, prepaid consumption is a direct connection between merchants and users, that is, users pay prepayments directly to merchants, and merchants can use the prepayments freely.
[0004] However, in the above method, the prepayment can be freely used by the merchant, and the prepayment cannot be guaranteed, resulting in uncontrollable subsequent services. Summary of the invention
[0005] The embodiments of the present application provide a data processing method, device, electronic device and storage medium to ensure the security of pre-charged funds.
[0006] In a first aspect, an embodiment of the present application provides a data processing method, the method comprising:
[0007] After the first object completes the precharge of the precharged card for the second object, the precharged funds in the precharged card are frozen; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets;
[0008] In response to the write-off instruction initiated by the second object, a write-off notice is sent to the first object; wherein the write-off notice includes the write-off amount corresponding to the write-off instruction;
[0009] After receiving a confirmation instruction from the first object regarding the cancellation notice, the cancellation funds of the cancellation amount are deducted from the pre-charged card and unfrozen.
[0010] In the above scheme, after the first party (consumer) who makes consumption pre-charges the pre-charged card of the second party (merchant) who provides services, the pre-charged card will have funds with a pre-charged limit (pre-charged funds); by freezing the pre-charged funds in the pre-charged card, neither the first party nor the second party can freely use the pre-charged funds, thereby ensuring the safety of the pre-charged funds and reducing the risk of misappropriation of funds before the second party provides services; in addition, after verification, the verification funds of the corresponding amount are directly deducted and unfrozen from the pre-charged card, which also reduces the situation where the first party does not pay the funds after obtaining the service.
[0011] Some optional implementations also include:
[0012] In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
[0013] The above scheme notifies the first party of the validity period of the pre-charged card so that the first party can make consumption in time and reduce the occurrence of delays in the service period; notifies the first party of the current remaining balance / current remaining number of redemptions of the pre-charged card so that the first party can understand the redemption progress in time and make a reasonable consumption plan, thereby improving the user experience.
[0014] Some optional implementations also include:
[0015] In response to the refund instruction initiated by the first object, sending a refund notification to the second object;
[0016] If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
[0017] The above scheme further protects the rights and interests of the first party by issuing a refund notification when the first party has a refund demand, and refreezing the refund funds when the second party fails to process the refund in time or approves the refund.
[0018] In some optional implementations, if the pre-charged card is the personal pre-charged card, after deducting and unfreezing the write-off funds of the write-off amount from the pre-charged card, the method further includes:
[0019] The written-off funds are transferred to the public wallet.
[0020] Some optional implementations also include:
[0021] In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or
[0022] Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or
[0023] Keep the current remaining funds frozen during the target period.
[0024] The above-mentioned scheme meets the needs of different dispute scenarios through different emergency services, further ensures the security of funds in different dispute scenarios, and provides more reliable services.
[0025] In a second aspect, an embodiment of the present application further provides a data processing device, the device comprising:
[0026] A freezing module, configured to freeze the precharged funds in the precharged card after the first object completes the precharge of the precharged card for the second object; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets;
[0027] a notification module, configured to respond to the write-off instruction initiated by the second object and send a write-off notification to the first object; wherein the write-off notification includes the write-off amount corresponding to the write-off instruction;
[0028] The unfreezing module is used to deduct and unfreeze the write-off funds of the write-off amount from the pre-charged card after receiving the confirmation instruction of the first object for the write-off notice.
[0029] In some optional implementation manners, the notification module is further used to:
[0030] In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
[0031] In some optional implementation manners, the notification module is further used to:
[0032] In response to the refund instruction initiated by the first object, sending a refund notification to the second object;
[0033] The freezing module is further used for:
[0034] If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
[0035] In some optional implementations, if the pre-charged card is the personal pre-charged card, after the write-off funds of the write-off amount are deducted and unfrozen from the pre-charged card, the unfreezing module is further used to:
[0036] The written-off funds are transferred to the public wallet.
[0037] In some optional implementation manners, the thawing module is further used for:
[0038] In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or
[0039] Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or
[0040] Keep the current remaining funds frozen during the target period.
[0041] In a third aspect, an embodiment of the present application provides an electronic device, comprising at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor executes any data processing method described in the first aspect.
[0042] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program executable by a computer, wherein when the program is run on the computer, the computer executes any of the data processing methods described in the first aspect.
[0043] In a fifth aspect, an embodiment of the present application provides a computer program product comprising computer executable instructions, wherein the computer executable instructions are used to enable a computer to execute any data processing method as described in the first aspect. BRIEF DESCRIPTION OF THE DRAWINGS
[0044] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.
[0045] Figure 1 A flowchart of a data processing method provided in an embodiment of the present application;
[0046] Figure 2 A schematic diagram of a first user interface provided in an embodiment of the present application;
[0047] Figure 3A schematic diagram of a second user interface provided in an embodiment of the present application;
[0048] Figure 4 A third user interface schematic diagram provided in an embodiment of the present application;
[0049] Figure 5 A fourth user interface schematic diagram provided in an embodiment of the present application;
[0050] Figure 6 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application;
[0051] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0052] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present application.
[0053] The terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the features. In the description of this application, unless otherwise specified, "plurality" means two or more.
[0054] In the description of this application, it should be noted that, unless otherwise clearly specified and limited, the term "connection" should be understood in a broad sense, for example, it can be directly connected, or indirectly connected through an intermediate medium, or it can be the internal connection of two devices. For ordinary technicians in this field, the specific meanings of the above terms in this application can be understood according to specific circumstances.
[0055] In the technical solution of this application, the collection, dissemination, and use of data are in compliance with the requirements of relevant national laws and regulations.
[0056] In prepaid consumption, users need to prepay (recharge) a fixed amount of funds to the merchant before obtaining merchant services.
[0057] In the related art, prepaid consumption is a direct connection between merchants and users, that is, users pay prepayments directly to merchants, and merchants can use the prepayments freely.
[0058] However, in the above method, the prepayment can be freely used by the merchant, and the prepayment cannot be guaranteed, resulting in uncontrollable subsequent services.
[0059] In view of this, an embodiment of the present application proposes a data processing method, device, electronic device and storage medium, the method comprising: after a first object completes precharging a precharged card for a second object, freezing the precharged funds in the precharged card; responding to a cancellation instruction initiated by the second object, issuing a cancellation notice to the first object; wherein the cancellation notice includes a cancellation amount corresponding to the cancellation instruction; after receiving a confirmation instruction from the first object regarding the cancellation notice, deducting and unfreezing the cancellation funds of the cancellation amount from the precharged card.
[0060] In the above scheme, after the first party (consumer) who makes consumption pre-charges the pre-charged card of the second party (merchant) who provides services, the pre-charged card will have funds with a pre-charged limit (pre-charged funds); by freezing the pre-charged funds in the pre-charged card, neither the first party nor the second party can freely use the pre-charged funds, thereby ensuring the safety of the pre-charged funds and reducing the risk of misappropriation of funds before the second party provides services; in addition, after verification, the verification funds of the corresponding amount are directly deducted and unfrozen from the pre-charged card, which also reduces the situation where the first party does not pay the funds after obtaining the service.
[0061] The following will be combined with the accompanying drawings and specific embodiments to describe in detail the technical solution of the present application and how the technical solution of the present application solves the above technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments.
[0062] The present application embodiment provides a first data processing method, which is applied to an electronic device, such as Figure 1 As shown, the following steps are included:
[0063] Step S101: After the first object completes precharging of the precharged card of the second object, the precharged funds in the precharged card are frozen.
[0064] During implementation, the merchant (second party) connects to the above-mentioned electronic device (the supervision system provided by us) through a third-party platform or directly, opens a public wallet, and applies for the issuance of a prepaid card; in addition, the merchant can set the total issuance amount of the prepaid card, the precharge amount of a single card, the number of write-offs, the validity period and other information;
[0065] If consumers have demand, they will purchase the prepaid card, that is, precharge the prepaid card, and the prepaid card will have funds of the precharge amount (precharged funds). If the precharged funds are not supervised, the second party will freely use the precharged funds, such as running away before providing the corresponding services, or providing non-agreed services, etc.
[0066] Based on this, this embodiment freezes the precharged funds in the precharged card, and the frozen funds cannot be freely used (such as consumption, transfer, withdrawal, etc.). In this way, neither the first object nor the second object can freely use the precharged funds, thereby ensuring the safety of the precharged funds and reducing the risk of misappropriation of funds before the second object provides services.
[0067] This embodiment does not specifically limit the above-mentioned first object and second object. Exemplarily, the first object is a consumer of the service provided by the second object, such as the first object is a consumer in different scenarios, and the second object is an education and training merchant (providing courses), a catering merchant (providing meals), a tourism merchant (providing travel services), a fitness merchant (providing courses or venues), and a shopping merchant (providing items), etc.
[0068] This embodiment does not specifically limit the method of pre-charging the first object, such as using various current accounts, debit cards, credit cards, or directly recharging from a personal wallet (digital RMB wallet).
[0069] Step S102: responding to the cancellation instruction initiated by the second object and sending a cancellation notification to the first object.
[0070] The cancellation notice includes the cancellation amount corresponding to the cancellation instruction.
[0071] During implementation, if the second object initiates a write-off instruction, it means that the second object may have provided services to the first object, that is, the first object has made consumption at the second object and needs to obtain freely available funds. At this time, it is necessary to notify the first object to confirm the write-off so that the second object can obtain freely available funds by subsequently unfreezing the funds.
[0072] This embodiment does not limit the specific implementation method of the cancellation notification. Figure 2 The interface shown is used for notification.
[0073] See also Figure 2 As shown, information representing the second object (such as the merchant name), the write-off amount, the consumption time, and the like can be displayed.
[0074] Step S103: after receiving the confirmation instruction of the first object for the cancellation notice, deducting and unfreezing the cancellation funds of the cancellation amount from the pre-charged card.
[0075] For example, if the first object has no objection to the cancellation notice, a confirmation instruction for the cancellation notice will be triggered, indicating that the second object has indeed provided services to the first object, that is, the first object has made consumption at the second object, and by deducting and unfreezing the corresponding amount of cancellation funds from the pre-charged card, the second object can obtain freely available funds.
[0076] Or the above Figure 2 For example, the first object is clicked Figure 2 The "Confirm" button shown triggers a confirmation instruction for the write-off notification.
[0077] Above Figure 2 This is just an example description. This embodiment may also use other interfaces or other methods to issue cancellation notifications, which will not be described in detail here.
[0078] In the above scheme, after the first party (consumer) who makes consumption pre-charges the pre-charged card of the second party (merchant) who provides the service, there will be funds of the pre-charged amount (pre-charged funds) in the pre-charged card; by freezing the pre-charged funds in the pre-charged card, the first party and the second party cannot freely use the pre-charged funds, thereby ensuring the safety of the pre-charged funds and reducing the risk of misappropriation of funds before the second party provides the service; in addition, after the cancellation, the corresponding amount of cancellation funds are directly deducted and unfrozen from the pre-charged card, thereby reducing the situation where the first party does not pay the funds after obtaining the service. The above method protects the rights and interests of both parties, and guarantees the enthusiasm and effectiveness of consumption on the premise of ensuring the safety of the pre-charged funds.
[0079] In some optional implementation manners, based on the above embodiments, the following steps are further performed:
[0080] In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
[0081] In practice, pre-charged cards usually have certain time limit requirements, that is, an expiration date is set; and the consumption process usually completes all redemption through multiple consumptions, that is, there is a limit on the number of redemptions. Therefore, the relevant pre-charge information of the pre-charged card can be notified so that the first party can pay attention to the pre-charged card in time and adjust his or her own consumption behavior.
[0082] See also Figure 3 As shown, the validity period of the pre-charged card, the current remaining balance and the current remaining number of write-offs are displayed.
[0083] Above Figure 3This is just an exemplary description. This embodiment may also use other interfaces (such as displaying only part of the content) or other methods to notify the pre-charged content, which will not be described in detail here.
[0084] The above scheme notifies the first party of the validity period of the pre-charged card so that the first party can make consumption in time and reduce the occurrence of delays in the service period; notifies the first party of the current remaining balance / current remaining number of redemptions of the pre-charged card so that the first party can understand the redemption progress in time and make a reasonable consumption plan, thereby improving the user experience.
[0085] In some optional implementation manners, based on the above embodiments, the following steps are further performed:
[0086] In response to the refund instruction initiated by the first object, sending a refund notification to the second object;
[0087] If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
[0088] During implementation, the first party may mistakenly confirm the cancellation notice; or be dissatisfied with the service, such as if the goods provided by shopping merchants have quality problems;
[0089] Based on this, this embodiment provides a refund service to protect the rights and interests of the first object. Figure 4 As shown, in this embodiment, the historical orders of the first object are displayed, and the first object triggers a refund instruction by clicking the "Refund" button of the disputed historical order, and the refund instruction carries the refund amount (full refund or partial refund);
[0090] After receiving the refund instruction, the electronic device sends a refund notice to the second object. If the second object approves the refund, a confirmation instruction for the refund notice will be triggered, such as by clicking Figure 5 The "Yes" button in the interface shown triggers the confirmation instruction; or the second party does not process the refund in time, such as not clicking within the preset time. Figure 5 The "No" shown triggers a rejection instruction for the refund notification, which will cause the electronic device to execute the subsequent refund process, transfer the refund funds of the second object to the above-mentioned pre-charged card and freeze it.
[0091] It is understandable that the above Figure 4 and Figure 5 This is just an example description, and other interfaces may be used to display relevant information during implementation.
[0092] The above scheme further protects the rights and interests of the first party by issuing a refund notification when the first party has a refund demand, and refreezing the refund funds when the second party fails to process the refund in time or approves the refund.
[0093] In some optional implementations, the pre-charged card is a personal pre-charged card in the personal wallet of the first object, or a public pre-charged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets.
[0094] In practice, two types of pre-charged cards may be provided, one is a personal pre-charged card (C card) set in the personal wallet of the first object, and the other is a public pre-charged card (E card) set in the public wallet of the second object.
[0095] In addition, in order to facilitate each transaction process, this embodiment supports digital RMB, that is, personal wallets and public wallets are digital RMB wallets, and support digital currency payment methods.
[0096] In some optional implementations, for a personal pre-charged card, after the above step S101, the following steps are further performed:
[0097] The written-off funds are transferred to the public wallet.
[0098] Exemplarily, the personal pre-paid card is set on the first party side. Even if the write-off funds are unfrozen, the second party cannot freely use the write-off funds. The write-off funds need to be transferred to the public wallet before the second party has the right to use the write-off funds.
[0099] In some optional implementation manners, based on the above embodiments, the following steps are further performed:
[0100] In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or
[0101] Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or
[0102] Keep the current remaining funds frozen during the target period.
[0103] In practice, in order to deal with transaction disputes, this embodiment provides emergency services. For example, after the staff confirms that a transaction dispute has occurred (such as the second party cannot guarantee subsequent services due to bankruptcy, credit problems, etc.), a service suspension instruction is triggered;
[0104] After receiving the service suspension instruction, the electronic device can directly unfreeze the current remaining funds in the pre-charged card and return them to the personal wallet; or distribute the current remaining funds to the personal wallet and the public wallet in proportion; or keep the current remaining funds frozen within the target period until the dispute is resolved.
[0105] The above-mentioned scheme meets the needs of different dispute scenarios through different emergency services, further ensures the security of funds in different dispute scenarios, and provides more reliable services.
[0106] In some optional implementation manners, based on the above embodiments, the following steps are further performed:
[0107] In response to a card return instruction for the second object, or determining that the pre-charged card has expired (is not within the validity period at the current moment), the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet / public wallet; or based on a second preset limit ratio, the current remaining funds are allocated to the personal wallet and the public wallet.
[0108] The above solution meets the needs of active or passive card return through different card return services and provides more reliable services.
[0109] In practice, the above functions of freezing, unfreezing, transferring and returning can be realized based on smart contracts, and prepaid funds can be supervised in accordance with the supervision model recognized by both parties. The loading party of the smart contract is the same as that of the pre-charged card (freezing the agreed amount in the above personal wallet or public wallet).
[0110] Based on the same inventive concept, the present application embodiment provides a data processing device, referring to Figure 6 As shown, the data processing device 600 includes:
[0111] A freezing module 601 is used to freeze the precharged funds in the precharged card after the first object completes the precharge of the precharged card for the second object; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets;
[0112] Notification module 602, configured to respond to the write-off instruction initiated by the second object and send a write-off notification to the first object; wherein the write-off notification includes the write-off amount corresponding to the write-off instruction;
[0113] The unfreezing module 603 is used to deduct and unfreeze the write-off funds of the write-off amount from the pre-charged card after receiving the confirmation instruction of the first object for the write-off notice.
[0114] In some optional implementation manners, the notification module 602 is further configured to:
[0115] In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
[0116] In some optional implementation manners, the notification module 602 is further configured to:
[0117] In response to the refund instruction initiated by the first object, sending a refund notification to the second object;
[0118] The freezing module 601 is further used for:
[0119] If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
[0120] In some optional implementations, if the pre-charged card is the personal pre-charged card, after the write-off funds of the write-off amount are deducted and unfrozen from the pre-charged card, the unfreezing module 603 is further used to:
[0121] The written-off funds are transferred to the public wallet.
[0122] In some optional implementation manners, the thawing module 603 is further used for:
[0123] In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or
[0124] Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or
[0125] Keep the current remaining funds frozen during the target period.
[0126] Since the device is the device in the method in the embodiment of the present application, and the principle of solving the problem by the device is similar to that of the method, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be repeated.
[0127] Based on the same technical concept, the embodiment of the present application also provides an electronic device 700, such as Figure 7 As shown, it includes at least one processor 701 and a memory 702 connected to the at least one processor. The specific connection medium between the processor 701 and the memory 702 is not limited in the embodiment of the present application. Figure 7 For example, the processor 701 and the memory 702 are connected via a bus 703. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 7 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.
[0128] Among them, the processor 701 is the control center of the electronic device, which can use various interfaces and lines to connect various parts of the electronic device, and realize data processing by running or executing instructions stored in the memory 702 and calling data stored in the memory 702. Optionally, the processor 701 may include one or more processing units, and the processor 701 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, and the modem processor mainly processes the issuance of instructions. It is understandable that the above-mentioned modem processor may not be integrated into the processor 701. In some embodiments, the processor 701 and the memory 702 may be implemented on the same chip, and in some embodiments, they may also be implemented separately on independent chips.
[0129] Processor 701 can be a general-purpose processor, such as a central processing unit (CPU), a digital signal processor, an application-specific integrated circuit (ASIC), a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, and can implement or execute the various methods, steps and logic block diagrams disclosed in the embodiments of the present application. A general-purpose processor can be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the data processing method embodiment can be directly embodied as a hardware processor for execution, or can be executed by a combination of hardware and software modules in the processor.
[0130] The memory 702 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 702 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (Random Access Memory, RAM), a static random access memory (Static Random Access Memory, SRAM), a programmable read-only memory (Programmable Read Only Memory, PROM), a read-only memory (Read Only Memory, ROM), an electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 702 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 702 in the embodiment of the present application can also be a circuit or any other device that can realize a storage function, for storing program instructions and / or data.
[0131] In the embodiment of the present application, the memory 702 stores a computer program. When the program is executed by the processor 701, the processor 701 executes:
[0132] After the first object completes the precharge of the precharged card for the second object, the precharged funds in the precharged card are frozen; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets;
[0133] In response to the write-off instruction initiated by the second object, a write-off notice is sent to the first object; wherein the write-off notice includes the write-off amount corresponding to the write-off instruction;
[0134] After receiving a confirmation instruction from the first object regarding the cancellation notice, the cancellation funds of the cancellation amount are deducted from the pre-charged card and unfrozen.
[0135] In some optional implementations, the processor 701 further executes:
[0136] In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
[0137] In some optional implementations, the processor 701 further executes:
[0138] In response to the refund instruction initiated by the first object, sending a refund notification to the second object;
[0139] If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
[0140] In some optional implementations, if the pre-charged card is the personal pre-charged card, after deducting and unfreezing the write-off funds of the write-off amount from the pre-charged card, the processor 701 further executes:
[0141] The written-off funds are transferred to the public wallet.
[0142] In some optional implementations, the processor 701 further executes:
[0143] In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or
[0144] Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or
[0145] Keep the current remaining funds frozen during the target period.
[0146] Since the electronic device is the electronic device in the method in the embodiment of the present application, and the principle of solving the problem by the electronic device is similar to that of the method, the implementation of the electronic device can refer to the implementation of the method, and the repeated parts will not be repeated.
[0147] Based on the same technical concept, an embodiment of the present application also provides a computer-readable storage medium, which stores a computer program executable by a computer. When the program runs on the computer, the computer executes the steps of the above-mentioned data processing method.
[0148] In some optional embodiments, various aspects of the data processing method provided by the present application can also be implemented in the form of a program product, which contains computer-executable instructions. When the program product is run on a computer device, the computer-executable instructions are used to enable the computer device to execute the steps of the data processing method according to various exemplary embodiments of the present application described above in this specification.
[0149] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.
[0150] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.
[0151] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.
[0152] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.
[0153] Although the preferred embodiments of the present application have been described, those skilled in the art may make other changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.
[0154] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.
Claims
1. A data processing method, characterized in that: The method includes: After the first object completes the precharge of the precharged card for the second object, the precharged funds in the precharged card are frozen; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets; In response to the write-off instruction initiated by the second object, a write-off notice is sent to the first object; wherein the write-off notice includes the write-off amount corresponding to the write-off instruction; After receiving a confirmation instruction from the first object regarding the cancellation notice, the cancellation funds of the cancellation amount are deducted from the pre-charged card and unfrozen.
2. The method according to claim 1, characterized in that Also includes: In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
3. The method according to claim 1, characterized in that Also includes: In response to the refund instruction initiated by the first object, sending a refund notification to the second object; If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
4. The method according to claim 1, characterized in that If the pre-charged card is the personal pre-charged card, after deducting and unfreezing the write-off funds of the write-off amount from the pre-charged card, the method further includes: The written-off funds are transferred to the public wallet.
5. The method according to claim 1, characterized in that Also includes: In response to the service suspension instruction for the second object, unfreeze the current remaining funds in the pre-charged card and return them to the personal wallet; or Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or Keep the current remaining funds frozen during the target period.
6. A data processing device, characterized in that: The device includes: A freezing module, configured to freeze the precharged funds in the precharged card after the first object completes the precharge of the precharged card for the second object; the precharged card is a personal precharged card in the personal wallet of the first object, or a public precharged card in the public wallet of the second object; the personal wallet and the public wallet are digital RMB wallets; a notification module, configured to respond to the write-off instruction initiated by the second object and send a write-off notification to the first object; wherein the write-off notification includes the write-off amount corresponding to the write-off instruction; The unfreezing module is used to deduct and unfreeze the write-off funds of the write-off amount from the pre-charged card after receiving the confirmation instruction of the first object for the write-off notice.
7. The device according to claim 6, characterized in that The notification module is further used for: In response to the viewing instruction initiated by the first object, the pre-charge information of the pre-charged card is notified; wherein the pre-charge information includes part or all of the validity period of the pre-charged card, the current remaining balance and the current remaining number of redemptions.
8. The device according to claim 6, characterized in that The notification module is further used for: In response to the refund instruction initiated by the first object, sending a refund notification to the second object; The freezing module is further used for: If a confirmation instruction is received from the second object regarding the refund notice, or if a rejection instruction is not received from the second object regarding the refund notice within a preset period of time, the refund funds of the refund amount corresponding to the refund instruction are obtained from the public wallet of the second object, and the refund funds are transferred to the pre-charged card and frozen.
9. The device according to claim 6, characterized in that If the pre-charged card is the personal pre-charged card, after the write-off funds of the write-off amount are deducted and unfrozen from the pre-charged card, the unfreezing module is further used to: The written-off funds are transferred to the public wallet.
10. The device according to claim 6, characterized in that The thawing module is also used for: In response to the service suspension instruction for the second object, the current remaining funds in the pre-charged card are unfrozen and returned to the personal wallet; or Unfreeze the first part of the current remaining funds and return them to the personal wallet, and unfreeze the second part of the current remaining funds and return them to the public wallet; wherein the ratio between the first part of the funds and the second part of the funds is a preset quota ratio; or Keep the current remaining funds frozen during the target period.
11. An electronic device, characterized in that: The method comprises at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor executes the method according to any one of claims 1 to 5.
12. A computer-readable storage medium, characterized in that: It stores a computer program executable by a computer, and when the program is run on the computer, the computer is enabled to execute the method according to any one of claims 1 to 5.
13. A computer program product, characterized in that The method comprises computer executable instructions, wherein the computer executable instructions are used to enable a computer to execute the method according to any one of claims 1 to 5.