Digital resource prepayment resource value processing method, device, system, equipment and medium

Abstract

The invention discloses a prepaid resource value processing method, device, system and equipment for digital resources and a storage medium, relates to the technical field of data processing, and is used for processing prepaid resource values of the digital resources. The method comprises the following steps: when a payment instruction is received, identifying a target consumer identifier, a target merchant identifier and a consumption resource value carried in the payment instruction; determining a target consumer identifier and a target account identifier corresponding to the target merchant identifier according to a corresponding relationship among the currently stored consumer identifier, the currently stored merchant identifier and the account identifier where the prepayment resource value is located; obtaining residual prepayment resource values corresponding to the target consumer identifier and the target merchant identifier in a digital resource account corresponding to the target account identifier; and unfreezing the digital resource corresponding to the consumption resource value from the residual prepaid resource values, and transferring the unfrozen digital resource corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier, so that the prepaid resource value is flexibly and effectively processed.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, system, equipment and medium for processing prepaid resource values ​​of digital resources. Background Art

[0002] Prepaid consumption usually means that consumers pay a certain amount of consumption resource value (prepaid resource value) to merchants in advance, and consumers can consume in a similar way to deposit and withdraw in installments. Prepaid consumption is common in industries such as fitness, beauty salons, and catering. However, in prepaid consumption scenarios, merchants may "run away with the money", causing consumers to lose part or all of the prepaid resource value.

[0003] When promoting prepaid consumption services for digital resources, how to handle the prepaid resource value of digital resources is a technical problem that urgently needs to be solved. Summary of the invention

[0004] The present application provides a method, apparatus, system, device and storage medium for processing the prepaid resource value of a digital resource, which are used to process the prepaid resource value of a digital resource.

[0005] In a first aspect, the present application provides a method for processing a prepaid resource value of a digital resource, the method being applied to a bank server, the method comprising:

[0006] If a payment instruction sent by a prepaid consumption device is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction;

[0007] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0008] Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0009] In a possible implementation, the method further includes:

[0010] Receiving a recharge instruction sent by the prepaid consumption device, identifying a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0011] Based on the correspondence between the currently saved account identifier and the digital resource account, the digital resources corresponding to the recharge amount are transferred to the digital resource account corresponding to the target account identifier, and the digital resources of the recharge amount are frozen; and based on the recharge amount, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0012] In a possible implementation, the method further includes:

[0013] If a refund instruction is received from a prepaid consumption device, identifying the target consumer identifier, the target merchant identifier, and the refund resource value carried in the refund instruction;

[0014] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0015] The digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier are frozen and transferred to the digital resource account corresponding to the target account identifier, and based on the refund resource value, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0016] In a possible implementation, the method further includes:

[0017] If a card return instruction for returning the remaining prepaid resource value sent by the prepaid consumption device is received, identifying the target consumer identifier and the target merchant identifier carried in the card return instruction;

[0018] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0019] The digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier are unfrozen and transferred to the digital resource account corresponding to the target consumer identifier.

[0020] In a possible implementation, the method further includes:

[0021] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device is received, identifying a target merchant identifier carried in the query instruction;

[0022] Based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, the target remaining prepaid resource value corresponding to the target merchant identifier is determined, and the information of the target remaining prepaid resource value is sent to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0023] In a possible implementation, the account corresponding to the target account identifier belongs to a target consumer or a target merchant.

[0024] In a second aspect, the present application provides a method for processing a prepaid resource value of a digital resource, the method being applied to a prepaid consumption device, the method comprising:

[0025] Receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value;

[0026] The payment instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; the bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; the bank server unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfers the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0027] In a possible implementation, the method further includes:

[0028] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant is received and sent by a terminal corresponding to the target merchant identifier, the query instruction is sent to a bank server, wherein the query instruction carries the target merchant identifier;

[0029] Receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0030] In a possible implementation, before receiving the payment instruction, the method further includes:

[0031] Receiving a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier;

[0032] Determine whether the target merchant identifier is in a pre-stored merchant blacklist;

[0033] If yes, sending authentication failure information to the terminal corresponding to the target merchant identifier;

[0034] If not, an authentication pass message is sent to the terminal corresponding to the target merchant identifier, and subsequent steps are performed.

[0035] In a third aspect, the present application also provides a method for processing prepaid resource values ​​of digital resources, the method comprising:

[0036] If a payment instruction is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction;

[0037] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0038] Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0039] In a fourth aspect, the present application provides a prepaid resource value processing device for digital resources, the device is applied to a bank server, and the device includes:

[0040] A first identification module, configured to, upon receiving a payment instruction sent by a prepaid consumption device, identify a target consumer identifier, a target merchant identifier, and a consumption resource value carried in the payment instruction;

[0041] A first determination module, configured to determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence relationship between the currently saved consumer identifier, the merchant identifier, and the account identifier where the prepaid resource value is located;

[0042] The first unfreezing module is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0043] In a possible implementation, the device further includes:

[0044] A second identification module is used to receive a recharge instruction sent by the prepaid consumption device, and identify a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0045] A freezing module is used to transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freeze the digital resources of the recharge amount; and based on the recharge amount, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

[0046] In a possible implementation, the device further includes:

[0047] A refund module is used to, if a refund instruction sent by a prepaid consumption device is received, identify the target consumer identifier, target merchant identifier and refund resource value carried in the refund instruction; determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; freeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target account identifier, and based on the refund resource value, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

[0048] In a possible implementation, the device further includes:

[0049] A card return module is used to, upon receiving a card return instruction for returning the remaining prepaid resource value sent by a prepaid consumption device, identify a target consumer identifier and a target merchant identifier carried in the card return instruction; determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence between currently saved consumer identifiers, merchant identifiers and the account identifier of the account into which the prepaid resource value is transferred; and unfreeze the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfer them to the digital resource account corresponding to the target consumer identifier.

[0050] In a possible implementation, the device further includes:

[0051] The query module is used for, upon receiving a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device, identifying the target merchant identifier carried in the query instruction; determining the target remaining prepaid resource value corresponding to the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, and sending the information of the target remaining prepaid resource value to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0052] In a possible implementation, the account corresponding to the target account identifier belongs to a target consumer or a target merchant.

[0053] In a fifth aspect, the present application provides a prepaid resource value processing device for digital resources, the device is applied to a prepaid consumption device, and the device includes:

[0054] A receiving module, used for receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier and a consumption resource value;

[0055] A sending module is used to send the payment instruction to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; enables the bank server to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; enables the bank server to unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and enables the bank server to transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0056] In a possible implementation, the receiving module is further configured to send the query instruction to the bank server if a query instruction for querying the remaining prepaid resource value corresponding to the merchant is received and sent by the terminal corresponding to the target merchant identifier, wherein the query instruction carries the target merchant identifier;

[0057] The sending module is further used to receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0058] In a possible implementation, the device further includes:

[0059] The authentication module is used to receive a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier; determine whether the target merchant identifier is in a pre-stored merchant blacklist; if so, send authentication failure information to the terminal corresponding to the target merchant identifier; if not, send authentication pass information to the terminal corresponding to the target merchant identifier.

[0060] In a sixth aspect, the present application provides a prepaid resource value processing device for digital resources, the device comprising:

[0061] A third identification module is used to identify the target consumer identifier, the target merchant identifier and the consumption resource value carried in the payment instruction if a payment instruction is received;

[0062] A second determination module is used to determine the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0063] The second unfreezing module is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0064] In a seventh aspect, the present application provides a prepaid resource value processing system for digital resources, the system comprising: any of the above-described devices applied to a bank server and any of the above-described devices applied to a prepaid consumption device.

[0065] In an eighth aspect, the present application provides an electronic device, which includes at least a processor and a memory, and the processor is used to implement the steps of any of the above methods when executing a computer program stored in the memory.

[0066] In a ninth aspect, the present application provides a computer-readable storage medium storing a computer program, which implements the steps of any of the above methods when executed by a processor.

[0067] In a tenth aspect, the present application provides a computer program product, comprising: a computer program code, which, when executed on a computer, enables the computer to execute the steps of any of the methods described above.

[0068] The bank server of the present application can identify the target consumer identifier, target merchant identifier and consumption resource value carried in the payment instruction when receiving the payment instruction sent by the prepaid consumption device; determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the corresponding relationship between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier. Since the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier of the present application is in a frozen state, the bank server can unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value when receiving the payment instruction, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier, so that the prepaid resource value can be flexibly and effectively processed, so that the prepaid resource value can be effectively supervised, and the rights and interests of consumers and merchants can be effectively protected. BRIEF DESCRIPTION OF THE DRAWINGS

[0069] In order to more clearly illustrate the implementation methods in the embodiments of the present application or the related technologies, the following is a brief introduction to the drawings required for use in the embodiments or the related technology descriptions. Obviously, the drawings described below are some embodiments of the present application, and a person skilled in the art can also obtain other drawings based on these drawings.

[0070] Figure 1 A schematic diagram of a process for processing prepaid resource values ​​of a first type of digital resource provided by some embodiments is shown;

[0071] Figure 2 A schematic diagram of a process for processing the prepaid resource value of a second type of digital resource provided by some embodiments is shown;

[0072] Figure 3 A schematic diagram of a process for processing prepaid resource values ​​of a third type of digital resource provided by some embodiments is shown;

[0073] Figure 4 A schematic diagram of a fourth type of prepaid resource value processing process for digital resources provided by some embodiments is shown;

[0074] Figure 5 A schematic diagram of a fifth type of prepaid resource value processing process for digital resources provided by some embodiments is shown;

[0075] Figure 6A schematic diagram of a sixth type of prepaid resource value processing process for digital resources provided by some embodiments is shown;

[0076] Figure 7 A schematic diagram of a seventh type of prepaid resource value processing process of digital resources provided by some embodiments is shown;

[0077] Figure 8 A schematic diagram of a first type of prepaid resource value processing device for digital resources provided by some embodiments is shown;

[0078] Fig. 9 A schematic diagram of a prepaid resource value processing device for a second type of digital resource provided by some embodiments is shown;

[0079] Fig.10 A schematic diagram of a prepaid resource value processing device for a third type of digital resource provided by some embodiments is shown;

[0080] Fig.11 A schematic diagram of a prepaid resource value processing system for digital resources provided by some embodiments is shown;

[0081] Fig.12 A schematic diagram of the structure of an electronic device provided by some embodiments is shown. DETAILED DESCRIPTION

[0082] In order to make the purpose, technical solutions and advantages of this application clearer, this application will be further described in detail below in conjunction with the accompanying drawings. Obviously, the embodiments described in this application are only part of the embodiments of this application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0083] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their ordinary and common meanings.

[0084] The terms "first", "second", "third", etc. in the specification and claims of this application and the above drawings are used to distinguish similar or similar objects or entities, and do not necessarily mean to limit a specific order or sequence, unless otherwise noted. It should be understood that the terms used in this way can be interchangeable under appropriate circumstances.

[0085] The terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to all the components expressly listed but may include other components not expressly listed or inherent to such product or device.

[0086] The term "module" refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or combination of hardware and / or software code that is capable of performing the functions associated with that element.

[0087] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

[0088] In order to process the prepaid resource value of digital resources, the present application provides a method, apparatus, system, device and storage medium for processing the prepaid resource value of digital resources.

[0089] Embodiment 1:

[0090] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0091] Figure 1 A schematic diagram of a process for processing the prepaid resource value of a first type of digital resource provided by some embodiments is shown, such as Figure 1 As shown, the process includes the following steps:

[0092] S101: If a payment instruction sent by a prepaid consumption device is received, a target consumer identifier, a target merchant identifier, and a consumption resource value carried in the payment instruction are identified.

[0093] The method for processing the prepaid resource value of digital resources provided in the embodiment of the present application is applied to a bank server.

[0094] In a possible implementation, the prepaid consumption device may be a device such as a PC, a mobile terminal, or a server. Optionally, a prepaid consumption platform may be installed in the prepaid consumption device, and consumers and merchants may conduct prepaid consumption services based on the prepaid consumption platform in the prepaid consumption device.

[0095] In a possible implementation, the consumer can pay a certain amount of prepaid resource value (prepaid funds) to the merchant in advance based on the prepaid consumption device, and the consumer can directly use the corresponding prepaid resource value to offset the current consumption fee when consuming. How the consumer pays the prepaid resource value to the merchant will be described in detail in the subsequent embodiments, and will not be described here.

[0096] In a possible implementation, after a consumer makes a purchase at a certain merchant, the consumer can scan the payment code provided by the merchant based on the prepaid consumption platform applet in the consumer terminal, confirm the cost of this consumption (also known as the consumption amount, consumption resource value), and can send a payment instruction to the prepaid consumption device by clicking the "Confirm" or "Pay" button, etc., and the payment instruction can carry the target consumer identifier, target merchant identifier, and consumption resource value. In addition, after a consumer makes a purchase at a certain merchant, the merchant can send a payment instruction to the prepaid consumption device based on the prepaid consumption platform applet in the merchant terminal according to the cost of the consumer's current consumption (consumption resource value), and the payment instruction carries the target consumer identifier, target merchant identifier, and consumption resource value. Among them, this application does not specifically limit the method of triggering the payment instruction, nor does it specifically limit the specific content of the target consumer identifier and target merchant identifier carried in the payment instruction, which can be flexibly set according to demand.

[0097] In a possible implementation, after the prepaid consumption device receives the payment instruction, it can send the payment instruction to a bank server. After the bank server receives the payment instruction sent by the prepaid consumption device, it can identify the target consumer identifier, target merchant identifier and consumption resource value carried in the payment instruction.

[0098] S102: Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the currently saved correspondence between the consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located.

[0099] In a possible implementation, after the bank server identifies the target consumer identifier, target merchant identifier, and consumption resource value carried in the payment instruction, it can determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier, and the account identifier where the prepaid resource value is located. Among them, this application does not specifically limit the target account identifier corresponding to the target consumer identifier and the target merchant identifier, and can be flexibly selected according to needs. Optionally, the account corresponding to the target account identifier can be an account belonging to the target consumer or an account belonging to the target merchant.

[0100] S103: Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0101] In a possible implementation, after determining the target account identifier, the bank server can obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account (e.g., digital RMB account) corresponding to the target account identifier. Exemplarily, taking the digital resource account corresponding to the target account identifier as an account belonging to merchant A as an example, merchant A's account can store consumer A and the remaining prepaid resource value corresponding to A of 100 yuan, consumer B and the remaining prepaid resource value corresponding to B of 80 yuan, consumer C and the remaining prepaid resource value corresponding to C of 60 yuan. Assuming that the target consumer is A, the bank server can obtain the remaining prepaid resource value corresponding to consumer A and merchant A of 100 yuan.

[0102] In one possible implementation, in order to prevent the merchant from "running away with the money", the prepaid resource value prepaid by the consumer to the merchant can be frozen in the digital resource (digital RMB) account corresponding to the target account identifier. After the consumer makes a consumption, the bank server can unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value obtained in a frozen state, and transfer the unfrozen digital resources (digital RMB) corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier. It can be understood that the prepaid resource value in the frozen state in the account cannot be withdrawn at will, while the resource value in the account after unfreezing can be withdrawn at will, which will not be repeated here.

[0103] In a possible implementation, after the bank server obtains the corresponding remaining prepaid resource value, before unfreezing the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, it can be determined whether the remaining prepaid resource value is not less than the consumption resource value. If the remaining prepaid resource value is not less than the consumption resource value, the digital resources corresponding to the consumption resource value can be unfrozen from the remaining prepaid resource value, and the unfrozen digital resources corresponding to the consumption resource value can be transferred to the digital resource account corresponding to the target merchant identifier. Optionally, if the current remaining prepaid resource value is less than the consumption resource value, a prompt message indicating that the set balance is insufficient can be output. Optionally, if the current remaining prepaid resource value is less than the consumption resource value, the consumer can recharge to obtain sufficient remaining prepaid resource value, and the bank server can unfreeze the digital resources corresponding to the consumption resource value from the corresponding remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0104] The bank server of the present application can identify the target consumer identifier, target merchant identifier and consumption resource value carried in the payment instruction when receiving the payment instruction sent by the prepaid consumption device; determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the corresponding relationship between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier. Since the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier of the present application is in a frozen state, the bank server can unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value when receiving the payment instruction, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier, so that the prepaid resource value can be flexibly and effectively processed, so that the prepaid resource value can be effectively supervised, and the rights and interests of consumers and merchants can be effectively protected.

[0105] Embodiment 2:

[0106] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0107] In order to enable consumers to enjoy prepaid consumption services and enable consumers to pay a certain amount of prepaid resource value to merchants, based on the above embodiment, in the embodiment of the present application, the method further includes:

[0108] Receiving a recharge instruction sent by the prepaid consumption device, identifying a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0109] Based on the correspondence between the currently saved account identifier and the digital resource account, the digital resources corresponding to the recharge amount are transferred to the digital resource account corresponding to the target account identifier, and the digital resources of the recharge amount are frozen; and based on the recharge amount, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0110] In a possible implementation, when a consumer pays a merchant for prepaid resource value (also referred to as a consumer purchasing a card), the consumer can view the recharge amount, selling price, and other information of the prepaid resource value issued by the merchant based on the prepaid consumption platform applet in the consumer terminal, and the consumer can select the recharge amount of the prepaid resource value that suits him / herself, and click the "purchase card", "recharge" and other buttons to send a recharge instruction to the prepaid consumption device. Optionally, the consumer can also select the target account identifier of the account to which the prepaid resource value is transferred.

[0111] In a possible implementation scheme, the recharge instruction may carry the target consumer identifier, the target merchant identifier, the recharge amount of the prepaid resource value, and the target account identifier of the account into which the prepaid resource value is transferred. After the prepaid consumption device receives the recharge instruction, it may send the recharge instruction to the bank server. After the bank server receives the recharge instruction, it may identify the target consumer identifier, the target merchant identifier, the recharge amount of the prepaid resource value, and the target account identifier of the account into which the prepaid resource value is transferred carried in the recharge instruction. The bank server may transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource (digital RMB) account. Optionally, in order to effectively supervise the digital resources of the recharge amount and prevent the occurrence of merchants "running away with money", when the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier, the digital resources corresponding to the recharge amount in the digital resource account may be frozen. Optionally, the bank server may also save the correspondence between the target consumer identifier, the target merchant identifier and the target account identifier. When the digital resource corresponding to the recharge amount is transferred to the digital resource account corresponding to the target account identifier, the bank server may update the corresponding remaining prepaid resource value based on the recharge amount, that is, the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier of the target account identifier and the prepaid resource value corresponding to the recharge amount may be added to obtain the updated remaining prepaid resource value. Exemplarily, assuming that consumer A is recharging (purchasing) the prepaid resource value of merchant A for the first time, and the recharge amount is 200 yuan, then the corresponding remaining prepaid resource value after update is 200 yuan. Assuming that consumer A is not purchasing the prepaid resource value of merchant A for the first time, the current remaining prepaid resource value is 10 yuan, and the recharge amount this time is 200 yuan, then the corresponding remaining prepaid resource value after update is 210 yuan.

[0112] Optionally, the account corresponding to the target account identifier may be an account belonging to the target consumer or an account belonging to the target merchant. Exemplarily, the prepaid resource value may be supervised in a digital resource account such as a merchant's digital wallet (digital resource public sub-account), a settlement account (digital resource settlement sub-account), or in a digital resource account such as a consumer's digital wallet (digital RMB account), an independent digital sub-wallet (digital RMB sub-account).

[0113] Optionally, when the account corresponding to the target account identifier is an account belonging to the target merchant, the bank server can transfer the digital resources of the corresponding recharge amount to the digital resource sub-account corresponding to the target merchant identifier. In addition, when the account corresponding to the target account identifier is an account belonging to the target merchant, the bank server can also transfer the digital resources of the corresponding recharge amount to the digital resource sub-account corresponding to the target merchant identifier, and then transfer the digital resources of the corresponding recharge amount from the digital resource sub-account to the digital resource settlement sub-account corresponding to the target merchant identifier. Optionally, when the prepaid resource value of the consumer is transferred to the digital resource settlement sub-account frozen in the merchant, the prepaid resource value of the consumer can generate a certain interest. Among them, the interest generated by the prepaid asset value can be calculated based on the prior art, and this application does not make specific limitations on this. Optionally, the interest generated by the prepaid asset value can also be used as the resource value contained in the remaining prepaid resource value, and this application does not make specific limitations on this.

[0114] After receiving the recharge instruction, the application can transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and can freeze the digital resources of the recharge amount, so that the prepaid resource value can be effectively supervised to prevent the merchant from "running away with the money", effectively protecting the rights and interests of consumers.

[0115] For ease of understanding, the prepaid resource value processing process of the digital resources provided by this application is explained below through a specific embodiment.

[0116] See also Figure 2 , Figure 2 A schematic diagram of a second type of digital resource prepaid resource value processing process provided by some embodiments is shown, and the process includes the following steps:

[0117] S201: The prepaid consumption device receives a recharge instruction initiated by a consumer, the recharge instruction carries a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred; the prepaid consumption device sends the recharge instruction to a bank server.

[0118] S202: The bank server receives the recharge instruction sent by the prepaid consumption device, and identifies the target consumer identifier, target merchant identifier, recharge amount of the prepaid resource value, and target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction. Based on the correspondence between the currently saved account identifier and the digital resource account, the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier, freezes the digital resources of the recharge amount, and updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the recharge amount.

[0119] S203: When the bank server receives the payment instruction sent by the prepaid consumption device, it identifies the target consumer identifier, the target merchant identifier and the consumption resource value carried in the payment instruction.

[0120] S204: The bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently stored consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located.

[0121] S205: The bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfers the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0122] Embodiment 3:

[0123] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0124] Taking into account the possibility of payment errors or consumers requesting refunds and other after-sales processing situations, in order to facilitate the handling of refund matters, based on the above embodiments, in the embodiment of the present application, the method further includes:

[0125] If a refund instruction is received from a prepaid consumption device, identifying the target consumer identifier, the target merchant identifier, and the refund resource value carried in the refund instruction;

[0126] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0127] The digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier are frozen and transferred to the digital resource account corresponding to the target account identifier, and based on the refund resource value, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0128] In a possible implementation, when a consumer needs a refund, a refund instruction can be initiated based on the prepaid consumption platform applet in the consumer terminal (the terminal corresponding to the target consumer identifier), and the refund instruction can carry the target consumer identifier, the target merchant identifier, and the refund amount (refund resource value). Optionally, after the consumer initiates the refund instruction, the prepaid consumption device can receive the refund instruction and send the refund instruction to the terminal corresponding to the target merchant identifier. The merchant can click the "Agree to Refund" or "Disagree to Refund" button, etc. Optionally, when the merchant clicks the "Agree to Refund" button, the prepaid consumption device can receive the refund consent information sent by the terminal corresponding to the target merchant identifier, and can then send the refund instruction to the bank server.

[0129] After the bank server receives the refund instruction sent by the prepaid consumption device, it can identify the target consumer identifier, target merchant identifier and refund resource value carried in the refund instruction. The bank server can determine the target consumer identifier and the target account identifier corresponding to the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account to which the prepaid resource value is transferred, and can transfer and refreeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier into the digital resource account corresponding to the target account identifier. Optionally, after the bank server transfers and refreezes the digital resources corresponding to the refund resource value into the digital resource account corresponding to the target account identifier, the remaining prepaid resource value of the target consumer identifier and the target merchant identifier corresponding to the target account identifier can be updated based on the refund resource value. Among them, the process of updating the remaining prepaid resource value is similar to the above embodiment and will not be repeated here.

[0130] In a possible implementation, before the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers it to the digital resource account corresponding to the target account identifier, it can determine whether the currently available resource value of the digital resource account corresponding to the target merchant identifier is not less than the refund resource value. If the currently available resource value is not less than the refund resource value, the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier can be frozen and transferred to the digital resource account corresponding to the target account identifier. If the currently available resource value is less than the refund resource value, a prompt message of insufficient balance can be output. Optionally, if the currently available resource value is less than the refund resource value, the consumer and the merchant can handle the refund matter through offline negotiation and other methods. In addition, the merchant can also recharge sufficient available resource values, and then the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers it to the digital resource account corresponding to the target account identifier. Optionally, the currently available resource value in the account can be the resource value currently in the unfrozen state in the account.

[0131] Since this application can freeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target account identifier after receiving the refund instruction, it can flexibly and accurately handle refund matters for digital resources.

[0132] For ease of understanding, the prepaid resource value processing process of the digital resources provided by this application is explained below through a specific embodiment.

[0133] See also Figure 3 , Figure 3 A schematic diagram of a third type of prepaid resource value processing process for digital resources provided in some embodiments is shown, and the process includes the following steps:

[0134] S301: The prepaid consumption device receives a refund instruction initiated by a consumer, which carries a target consumer identifier, a target merchant identifier, and a refund resource value. The prepaid consumption device sends the refund instruction to the terminal corresponding to the target merchant identifier. If the prepaid consumption device receives a refund consent message sent by the terminal corresponding to the target merchant identifier, the prepaid consumption device sends a refund instruction to the bank server.

[0135] S302: The bank server receives the refund instruction sent by the prepaid consumption device, identifies the target consumer identifier, target merchant identifier and refund resource value carried in the refund instruction; determines the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account to which the prepaid resource value is transferred. The bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers them to the digital resource account corresponding to the target account identifier. Based on the refund resource value, the bank server updates the remaining prepaid resource value of the target consumer identifier and the target merchant identifier corresponding to the target account identifier.

[0136] Embodiment 4:

[0137] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0138] Considering that the consumer may want to get back all the remaining prepaid resource value (for the convenience of description, referred to as card return), in order to facilitate the handling of card return, based on the above embodiments, in the embodiment of the present application, the method further includes:

[0139] If a card return instruction for returning the remaining prepaid resource value sent by the prepaid consumption device is received, identifying the target consumer identifier and the target merchant identifier carried in the card return instruction;

[0140] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0141] The digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier are unfrozen and transferred to the digital resource account corresponding to the target consumer identifier.

[0142] In a possible implementation, when a card needs to be returned, the consumer can initiate a card return instruction based on the prepaid consumption platform applet in the consumer terminal, and the card return instruction can carry the target consumer identifier and the target merchant identifier. The prepaid consumption device can receive the card return instruction to return the remaining prepaid resource value. After receiving the card return instruction, the prepaid consumption device can send the card return instruction to the bank server. After receiving the card return instruction sent by the prepaid consumption device, the bank server can identify the target consumer identifier and the target merchant identifier that can be carried in the card return instruction.

[0143] The bank server can determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; and then unfreeze the digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfer them to the digital resource account corresponding to the target consumer identifier.

[0144] For example, taking the account to which the target account identifier belongs as an account belonging to the merchant, when the card return instruction is received, the bank server can unfreeze the digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target consumer identifier (consumer digital RMB wallet).

[0145] After receiving the card return instruction, the digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier can be unfrozen and transferred to the digital resource account corresponding to the target consumer identifier, so as to flexibly and accurately handle the consumer's card return for digital resources.

[0146] For ease of understanding, the prepaid resource value processing process of the digital resources provided by this application is explained below through a specific embodiment.

[0147] See also Figure 4 , Figure 4 A schematic diagram of a fourth type of prepaid resource value processing process for digital resources provided in some embodiments is shown, and the process includes the following steps:

[0148] S401: The prepaid consumption device receives a card return instruction initiated by a consumer to return the remaining prepaid resource value, wherein the card return instruction carries a target consumer identifier and a target merchant identifier; the prepaid consumption device sends the card return instruction to a bank server.

[0149] S402: The bank server receives the card return instruction sent by the prepaid consumption device, and identifies the target consumer identifier and the target merchant identifier carried in the card return instruction. The bank server determines the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account to which the prepaid resource value is transferred, and unfreezes the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier, and transfers them to the digital resource account corresponding to the target consumer identifier.

[0150] Embodiment 5:

[0151] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0152] In order to enable the merchant to obtain information about the remaining prepaid resource value in a frozen state, based on the above embodiments, in the embodiment of the present application, the method further includes:

[0153] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device is received, identifying a target merchant identifier carried in the query instruction;

[0154] Based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, the target remaining prepaid resource value corresponding to the target merchant identifier is determined, and the information of the target remaining prepaid resource value is sent to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0155] In a possible implementation, the merchant may send a query instruction for querying the remaining prepaid resource value corresponding to the merchant to the prepaid consumption device through the merchant terminal (the terminal corresponding to the target merchant identifier). After the prepaid consumption device receives the query instruction, it may send the query instruction to the bank server. After the bank server receives the query instruction, it may identify the target merchant identifier carried in the query instruction. The bank server may determine the target remaining prepaid resource value corresponding to the target merchant identifier based on the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account to which the prepaid resource value is transferred, and send the summary information or detailed information of the target remaining prepaid resource value corresponding to the target merchant identifier to the prepaid consumption device. After the prepaid consumption device receives the information of the target remaining prepaid resource value corresponding to the target merchant identifier, it may send the information to the terminal corresponding to the target merchant identifier.

[0156] Optionally, the merchant may also send a query instruction directly to the bank server to query the remaining prepaid resource value corresponding to the merchant based on the bank server's application (Application, App) installed in the merchant terminal. After the bank server determines the target remaining prepaid resource value corresponding to the target merchant identifier, it may directly send the information of the target remaining prepaid resource value to the merchant terminal (the terminal corresponding to the target merchant identifier).

[0157] Optionally, in order to keep the merchant's prepaid resource value information confidential, when the prepaid consumption device sends a query instruction to the bank server, it can send encrypted information such as the target merchant ID, the encrypted signature, and the query timestamp to the bank server. After the bank server obtains the target merchant ID, it can obtain the target remaining prepaid resource value corresponding to the target merchant ID according to the query timestamp, and send the encrypted target remaining prepaid resource value information to the prepaid consumption device. After the prepaid consumption device uses the corresponding decryption algorithm to obtain the decrypted target remaining prepaid resource value information, it can send the decrypted target remaining prepaid resource value information to the terminal corresponding to the target merchant ID.

[0158] In a possible implementation, the prepaid consumption device may also send information about the merchant's remaining prepaid resource value to a terminal corresponding to the regulatory department, and the regulatory department may supervise and manage the prepaid resource value, which is not specifically limited in this application.

[0159] For ease of understanding, the following is an explanation of the prepaid resource value processing process of the digital resources provided by this application through a specific embodiment. Figure 5 , Figure 5 A schematic diagram of a fifth type of prepaid resource value processing process for digital resources provided in some embodiments is shown, and the process mainly includes:

[0160] Optionally, when a merchant enters the prepaid consumption platform, the merchant can send a registration authentication request to the prepaid consumption device (prepaid consumption platform) based on the merchant terminal (the terminal corresponding to the target merchant identifier), and the registration authentication request can carry the target merchant identifier. After the prepaid consumption device receives the registration authentication request sent by the terminal corresponding to the target merchant identifier, it can review the merchant's qualifications. Exemplarily, the prepaid consumption device can determine whether the target merchant identifier is in the pre-saved merchant blacklist. If the target merchant identifier is in the pre-saved merchant blacklist, it can send authentication failure (failure) information to the terminal corresponding to the target merchant identifier. If the target merchant identifier is not in the pre-saved merchant blacklist, it can send authentication pass information to the terminal corresponding to the target merchant identifier, and the merchant (target merchant) can be allowed to enter the prepaid consumption platform and enjoy the prepaid consumption services in the above embodiments. Consumers can prepay a certain amount of prepaid resource value to the merchant based on the prepaid consumption device (prepaid consumption platform), etc., which will not be repeated here. Optionally, after allowing the merchant to enter the prepaid consumption platform, the information of registering and binding the digital RMB account (digital wallet) can be displayed to the merchant terminal. When a consumer wants to enjoy the prepaid consumption service through the prepaid consumption platform for the first time, the prepaid consumption device can also display the interface for registering and binding the digital RMB account to the consumer terminal, which will not be repeated here.

[0161] In addition, when prepaid consumption devices are allowed to implement prepaid consumption services, bank server staff and the like can sign a cooperation agreement with the staff of the prepaid consumption devices offline. On the basis of the agreed rights and responsibilities of both parties, the prepaid consumption devices can be used as a partner institution through online access to allow them to implement the prepaid consumption services in the embodiments of this application.

[0162] Optionally, the consumer can initiate a recharge instruction, the prepaid consumption device can receive the recharge instruction, and send the recharge instruction to the bank server, the bank server can transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier, and freeze the digital resources of the recharge amount.

[0163] Optionally, the consumer can initiate a payment instruction, the prepaid consumption device can receive the payment instruction, and send the payment instruction to the bank server, and the bank server can obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; from the remaining prepaid resource value, the digital resources corresponding to the consumption resource value are unfrozen, and the unfrozen digital resources corresponding to the consumption resource value are transferred to the digital resource account corresponding to the target merchant identifier.

[0164] Optionally, the consumer can also initiate a refund instruction. The prepaid consumption device can receive the refund instruction initiated by the consumer and send the refund instruction to the bank server. The bank server will re-freeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target account identifier.

[0165] Optionally, the consumer can also initiate a card return instruction. The prepaid consumption device can receive the card return instruction initiated by the consumer and send the card return instruction to the bank server. The bank server unfreezes the digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfers them to the digital resource account corresponding to the target consumer identifier.

[0166] Among them, the processing process of the consumer's recharge instruction, refund instruction, and card return instruction in the embodiment of the present application is the same as the above embodiments, and will not be repeated here.

[0167] Embodiment 6:

[0168] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0169] Based on the same technical concept, the present application provides a method for processing the prepaid resource value of digital resources, which is applied to prepaid consumption devices. Figure 6 , Figure 6 A schematic diagram of a sixth type of prepaid resource value processing process for digital resources provided in some embodiments is shown, and the process includes the following steps:

[0170] S601: Receive a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value.

[0171] S602: Send the payment instruction to the bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; enables the bank server to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; enables the bank server to unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and enables the bank server to transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0172] In a possible implementation, the method further includes:

[0173] receiving a recharge instruction, wherein the recharge instruction carries a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account into which the prepaid resource value is transferred;

[0174] The recharge instruction is sent to the bank server, so that the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freezes the digital resources of the recharge amount; and the bank server updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the recharge amount.

[0175] In a possible implementation, the method further includes:

[0176] Receive a refund instruction sent by a terminal corresponding to a target consumer identifier, wherein the refund instruction carries a target consumer identifier, a target merchant identifier, and a refund resource value;

[0177] The refund instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers them to the digital resource account corresponding to the target account identifier, and the bank server updates the remaining prepaid resource value of the target consumer identifier and the target merchant identifier corresponding to the target account identifier based on the refund resource value.

[0178] In a possible implementation manner, after receiving the refund instruction sent by the terminal corresponding to the target consumer identifier and before sending the refund instruction to the bank server, the method further includes:

[0179] Sending the refund instruction to the terminal corresponding to the target merchant identifier;

[0180] If the refund approval information sent by the terminal is received, the subsequent steps are performed.

[0181] In a possible implementation, the method further includes:

[0182] receiving a card return instruction for returning the remaining prepaid resource value, wherein the card return instruction carries a target consumer identifier and a target merchant identifier;

[0183] The card return instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; and the bank server unfreezes the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfers them to the digital resource account corresponding to the target consumer identifier.

[0184] In a possible implementation, the method further includes:

[0185] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant is received and sent by a terminal corresponding to the target merchant identifier, the query instruction is sent to a bank server, wherein the query instruction carries the target merchant identifier;

[0186] Receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0187] In a possible implementation, before receiving the payment instruction, the method further includes:

[0188] Receiving a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier;

[0189] Determine whether the target merchant identifier is in a pre-stored merchant blacklist;

[0190] If yes, sending authentication failure information to the terminal corresponding to the target merchant identifier;

[0191] If not, an authentication pass message is sent to the terminal corresponding to the target merchant identifier, and subsequent steps are performed.

[0192] Based on the same technical concept, the present application also provides a method for processing the prepaid resource value of digital resources. Figure 7 , Figure 7 A schematic diagram of a seventh type of prepaid resource value processing process for digital resources provided in some embodiments is shown, and the process includes the following steps:

[0193] S701: If a payment instruction is received, identify the target consumer identifier, target merchant identifier, and consumption resource value carried in the payment instruction.

[0194] S702: Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the currently saved correspondence between the consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located.

[0195] S703: Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0196] Embodiment 7:

[0197] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0198] Based on the same technical concept, the present application provides a prepaid resource value processing device for digital resources, which is applied to a bank server. Figure 8 , Figure 8 A schematic diagram of a first digital resource prepaid resource value processing device provided in some embodiments is shown, the device comprising:

[0199] The first identification module 81 is used to identify the target consumer identifier, the target merchant identifier and the consumption resource value carried in the payment instruction if a payment instruction sent by the prepaid consumption device is received;

[0200] A first determination module 82, configured to determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence relationship between the currently stored consumer identifier, the merchant identifier, and the account identifier where the prepaid resource value is located;

[0201] The first unfreezing module 83 is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0202] In a possible implementation, the device further includes:

[0203] A second identification module is used to receive a recharge instruction sent by the prepaid consumption device, and identify a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0204] A freezing module is used to transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freeze the digital resources of the recharge amount; and based on the recharge amount, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

[0205] In a possible implementation, the device further includes:

[0206] A refund module is used to, if a refund instruction sent by a prepaid consumption device is received, identify the target consumer identifier, target merchant identifier and refund resource value carried in the refund instruction; determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; freeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target account identifier, and based on the refund resource value, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

[0207] In a possible implementation, the device further includes:

[0208] A card return module is used to, upon receiving a card return instruction for returning the remaining prepaid resource value sent by a prepaid consumption device, identify a target consumer identifier and a target merchant identifier carried in the card return instruction; determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence between currently saved consumer identifiers, merchant identifiers and the account identifier of the account into which the prepaid resource value is transferred; and unfreeze the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfer them to the digital resource account corresponding to the target consumer identifier.

[0209] In a possible implementation, the device further includes:

[0210] The query module is used for, upon receiving a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device, identifying the target merchant identifier carried in the query instruction; determining the target remaining prepaid resource value corresponding to the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, and sending the information of the target remaining prepaid resource value to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0211] In a possible implementation, the account corresponding to the target account identifier belongs to a target consumer or a target merchant.

[0212] Based on the same technical concept, the present application also provides a prepaid resource value processing device for digital resources, which is applied to prepaid consumption equipment. Fig. 9 , Fig. 9 A schematic diagram of a prepaid resource value processing device for a second digital resource provided by some embodiments is shown, the device comprising:

[0213] A receiving module 91 is used to receive a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value;

[0214] The sending module 92 is used to send the payment instruction to the bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; the bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; the bank server unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and the bank server transfers the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0215] In a possible implementation, the receiving module 91 is further used to receive a recharge instruction, wherein the recharge instruction carries a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred;

[0216] The sending module is also used to send the recharge instruction to the bank server, so that the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, so that the bank server freezes the digital resources of the recharge amount; and the bank server updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the recharge amount.

[0217] In a possible implementation manner, the receiving module 91 is further configured to receive a refund instruction sent by a terminal corresponding to the target consumer identifier, wherein the refund instruction carries the target consumer identifier, the target merchant identifier, and the refund resource value;

[0218] The sending module 92 is also used to send the refund instruction to the bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers them to the digital resource account corresponding to the target account identifier, and the bank server updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the refund resource value.

[0219] In a possible implementation manner, the sending module 92 is further configured to send the refund instruction to the terminal corresponding to the target merchant identifier; if refund approval information sent by the terminal is received, the refund instruction is sent to a bank server.

[0220] In a possible implementation manner, the receiving module 91 is further configured to receive a card return instruction for returning the remaining prepaid resource value, wherein the card return instruction carries a target consumer identifier and a target merchant identifier;

[0221] The sending module 92 is also used to send the card return instruction to the bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; and enables the bank server to unfreeze the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfer them to the digital resource account corresponding to the target consumer identifier.

[0222] In a possible implementation, the receiving module 91 is further configured to send the query instruction to the bank server if a query instruction for querying the remaining prepaid resource value corresponding to the merchant is received and sent by the terminal corresponding to the target merchant identifier, wherein the query instruction carries the target merchant identifier;

[0223] The sending module 92 is further configured to receive information about a target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to a terminal corresponding to the target merchant identifier.

[0224] In a possible implementation, the device further includes:

[0225] The authentication module is used to receive a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier; determine whether the target merchant identifier is in a pre-stored merchant blacklist; if so, send authentication failure information to the terminal corresponding to the target merchant identifier; if not, send authentication pass information to the terminal corresponding to the target merchant identifier.

[0226] Based on the same technical concept, the present application also provides a prepaid resource value processing device for digital resources, see Fig.10 , Fig.10 A schematic diagram of a prepaid resource value processing device for a third type of digital resource provided in some embodiments is shown, the device comprising:

[0227] The third identification module 101 is used to identify the target consumer identifier, the target merchant identifier and the consumption resource value carried in the payment instruction if a payment instruction is received;

[0228] The second determination module 102 is used to determine the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0229] The second unfreezing module 103 is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0230] Embodiment 8:

[0231] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0232] Based on the same technical concept, the present application also provides a prepaid resource value processing system for digital resources, see Fig.11 , Fig.11 A schematic diagram of a prepaid resource value processing system for digital resources provided in some embodiments is shown, the system comprising: the device 111 applied to the bank server and the device 112 applied to the prepaid consumption device introduced in the above embodiments, which will not be repeated here.

[0233] Based on the same technical concept, the present application also provides an electronic device, Fig.12 A schematic diagram of the structure of an electronic device provided by some embodiments is shown. Fig.12 As shown, the electronic device includes: a processor 121, a communication interface 122, a memory 123 and a communication bus 124, wherein the processor 121, the communication interface 122, and the memory 123 communicate with each other through the communication bus 124;

[0234] The memory 123 stores a computer program. When the program is executed by the processor 121, the processor 121 performs the following steps:

[0235] If a payment instruction sent by a prepaid consumption device is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction;

[0236] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0237] Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0238] In a possible implementation manner, the processor 121 is further configured to:

[0239] Receiving a recharge instruction sent by the prepaid consumption device, identifying a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0240] Based on the correspondence between the currently saved account identifier and the digital resource account, the digital resources corresponding to the recharge amount are transferred to the digital resource account corresponding to the target account identifier, and the digital resources of the recharge amount are frozen; and based on the recharge amount, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0241] In a possible implementation manner, the processor 121 is further configured to:

[0242] If a refund instruction is received from a prepaid consumption device, identifying the target consumer identifier, the target merchant identifier, and the refund resource value carried in the refund instruction;

[0243] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0244] The digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier are frozen and transferred to the digital resource account corresponding to the target account identifier, and based on the refund resource value, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0245] In a possible implementation manner, the processor 121 is further configured to:

[0246] If a card return instruction for returning the remaining prepaid resource value sent by the prepaid consumption device is received, identifying the target consumer identifier and the target merchant identifier carried in the card return instruction;

[0247] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0248] The digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier are unfrozen and transferred to the digital resource account corresponding to the target consumer identifier.

[0249] In a possible implementation manner, the processor 121 is further configured to:

[0250] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device is received, identifying a target merchant identifier carried in the query instruction;

[0251] Based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, the target remaining prepaid resource value corresponding to the target merchant identifier is determined, and the information of the target remaining prepaid resource value is sent to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0252] In a possible implementation, the account corresponding to the target account identifier belongs to a target consumer or a target merchant.

[0253] Optionally, a computer program is stored in the memory 123. When the program is executed by the processor 121, the processor 121 may further perform the following steps:

[0254] Receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value;

[0255] The payment instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; the bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; the bank server unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfers the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0256] In a possible implementation manner, the processor 121 is further configured to:

[0257] receiving a recharge instruction, wherein the recharge instruction carries a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account into which the prepaid resource value is transferred;

[0258] The recharge instruction is sent to the bank server, so that the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freezes the digital resources of the recharge amount; and the bank server updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the recharge amount.

[0259] In a possible implementation manner, the processor 121 is further configured to:

[0260] Receive a refund instruction sent by a terminal corresponding to a target consumer identifier, wherein the refund instruction carries a target consumer identifier, a target merchant identifier, and a refund resource value;

[0261] The refund instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers them to the digital resource account corresponding to the target account identifier, and the bank server updates the remaining prepaid resource value of the target consumer identifier and the target merchant identifier corresponding to the target account identifier based on the refund resource value.

[0262] In a possible implementation manner, the processor 121 is further configured to:

[0263] After receiving the refund instruction sent by the terminal corresponding to the target consumer identifier, before sending the refund instruction to the bank server, the refund instruction is sent to the terminal corresponding to the target merchant identifier; if the refund consent information sent by the terminal is received, the subsequent steps are performed.

[0264] In a possible implementation manner, the processor 121 is further configured to:

[0265] receiving a card return instruction for returning the remaining prepaid resource value, wherein the card return instruction carries a target consumer identifier and a target merchant identifier;

[0266] The card return instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; and the bank server unfreezes the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfers them to the digital resource account corresponding to the target consumer identifier.

[0267] In a possible implementation manner, the processor 121 is further configured to:

[0268] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant is received and sent by a terminal corresponding to the target merchant identifier, the query instruction is sent to a bank server, wherein the query instruction carries the target merchant identifier;

[0269] Receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0270] In a possible implementation manner, the processor 121 is further configured to:

[0271] Before receiving the payment instruction, a registration authentication request sent by a terminal corresponding to the target merchant identifier is received, wherein the registration authentication request carries the target merchant identifier; it is determined whether the target merchant identifier is in a pre-stored merchant blacklist; if so, authentication failure information is sent to the terminal corresponding to the target merchant identifier; if not, authentication pass information is sent to the terminal corresponding to the target merchant identifier, and subsequent steps are performed.

[0272] The communication bus mentioned in the above electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus 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.

[0273] The communication interface 122 is used for communication between the electronic device and other devices.

[0274] The memory may include a random access memory (RAM) or a non-volatile memory (NVM), such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0275] The above-mentioned processor can be a general-purpose processor, including a central processing unit, a network processor (Network Processor, NP), etc.; it can also be a digital signal processing processor (Digital Signal Processing, DSP), an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0276] Embodiment 9:

[0277] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0278] Based on the same technical concept, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program executable by an electronic device. When the program runs on the electronic device, the electronic device implements the following steps when executing:

[0279] If a payment instruction sent by a prepaid consumption device is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction;

[0280] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located;

[0281] Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

[0282] In a possible implementation, the method further includes:

[0283] Receiving a recharge instruction sent by the prepaid consumption device, identifying a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction;

[0284] Based on the correspondence between the currently saved account identifier and the digital resource account, the digital resources corresponding to the recharge amount are transferred to the digital resource account corresponding to the target account identifier, and the digital resources of the recharge amount are frozen; and based on the recharge amount, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0285] In a possible implementation, the method further includes:

[0286] If a refund instruction is received from a prepaid consumption device, identifying the target consumer identifier, the target merchant identifier, and the refund resource value carried in the refund instruction;

[0287] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0288] The digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier are frozen and transferred to the digital resource account corresponding to the target account identifier, and based on the refund resource value, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

[0289] In a possible implementation, the method further includes:

[0290] If a card return instruction for returning the remaining prepaid resource value sent by the prepaid consumption device is received, identifying the target consumer identifier and the target merchant identifier carried in the card return instruction;

[0291] Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred;

[0292] The digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier are unfrozen and transferred to the digital resource account corresponding to the target consumer identifier.

[0293] In a possible implementation, the method further includes:

[0294] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device is received, identifying a target merchant identifier carried in the query instruction;

[0295] Based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, the target remaining prepaid resource value corresponding to the target merchant identifier is determined, and the information of the target remaining prepaid resource value is sent to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0296] In a possible implementation, the account corresponding to the target account identifier belongs to a target consumer or a target merchant.

[0297] Based on the same technical concept, an embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program executable by an electronic device, and when the program is run on the electronic device, the electronic device implements the following steps when executing:

[0298] Receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value;

[0299] The payment instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; the bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; the bank server unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfers the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

[0300] In a possible implementation, the method further includes:

[0301] receiving a recharge instruction, wherein the recharge instruction carries a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account into which the prepaid resource value is transferred;

[0302] The recharge instruction is sent to the bank server, so that the bank server transfers the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freezes the digital resources of the recharge amount; and the bank server updates the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier based on the recharge amount.

[0303] In a possible implementation, the method further includes:

[0304] Receive a refund instruction sent by a terminal corresponding to a target consumer identifier, wherein the refund instruction carries a target consumer identifier, a target merchant identifier, and a refund resource value;

[0305] The refund instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; the bank server freezes the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfers them to the digital resource account corresponding to the target account identifier, and the bank server updates the remaining prepaid resource value of the target consumer identifier and the target merchant identifier corresponding to the target account identifier based on the refund resource value.

[0306] In a possible implementation manner, after receiving the refund instruction sent by the terminal corresponding to the target consumer identifier and before sending the refund instruction to the bank server, the method further includes:

[0307] Sending the refund instruction to the terminal corresponding to the target merchant identifier;

[0308] If the refund approval information sent by the terminal is received, the subsequent steps are performed.

[0309] In a possible implementation, the method further includes:

[0310] receiving a card return instruction for returning the remaining prepaid resource value, wherein the card return instruction carries a target consumer identifier and a target merchant identifier;

[0311] The card return instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; and the bank server unfreezes the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfers them to the digital resource account corresponding to the target consumer identifier.

[0312] In a possible implementation, the method further includes:

[0313] If a query instruction for querying the remaining prepaid resource value corresponding to a merchant is received and sent by a terminal corresponding to the target merchant identifier, the query instruction is sent to a bank server, wherein the query instruction carries the target merchant identifier;

[0314] Receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

[0315] In a possible implementation, before receiving the payment instruction, the method further includes:

[0316] Receiving a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier;

[0317] Determine whether the target merchant identifier is in a pre-stored merchant blacklist;

[0318] If yes, sending authentication failure information to the terminal corresponding to the target merchant identifier;

[0319] If not, an authentication pass message is sent to the terminal corresponding to the target merchant identifier, and subsequent steps are performed.

[0320] The above-mentioned computer-readable storage medium can be any available medium or data storage device that can be accessed by the processor in the electronic device, including but not limited to magnetic storage such as floppy disks, hard disks, magnetic tapes, magneto-optical disks (MO), etc., optical storage such as CD, DVD, BD, HVD, etc., and semiconductor storage such as ROM, EPROM, EEPROM, non-volatile memory (NANDFLASH), solid-state drive (SSD), etc.

[0321] Based on the same technical concept, the present application provides a computer program product, which includes: computer program code, when the computer program code runs on a computer, the computer implements the method described in any method embodiment applied to an electronic device.

[0322] In the above embodiments, all or part of the embodiments may be implemented by software, hardware, firmware or any combination thereof, and all or part of the embodiments may be implemented in the form of a computer program product. The computer program product includes one or more computer instructions, and when the computer instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present application are generated.

[0323] 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.

[0324] 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.

[0325] 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.

[0326] 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.

[0327] 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 method for processing prepaid resource value of digital resources, characterized in that: The method is applied to a bank server, and the method comprises: If a payment instruction sent by a prepaid consumption device is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction; Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located; Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

2. The method according to claim 1, characterized in that: The method further comprises: Receiving a recharge instruction sent by the prepaid consumption device, identifying a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction; Based on the correspondence between the currently saved account identifier and the digital resource account, the digital resources corresponding to the recharge amount are transferred to the digital resource account corresponding to the target account identifier, and the digital resources of the recharge amount are frozen; and based on the recharge amount, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

3. The method according to claim 1 or 2, characterized in that: The method further comprises: If a refund instruction is received from a prepaid consumption device, identifying the target consumer identifier, the target merchant identifier, and the refund resource value carried in the refund instruction; Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; The digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier are frozen and transferred to the digital resource account corresponding to the target account identifier, and based on the refund resource value, the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier is updated.

4. The method according to claim 1 or 2, characterized in that: The method further comprises: If a card return instruction for returning the remaining prepaid resource value sent by the prepaid consumption device is received, identifying the target consumer identifier and the target merchant identifier carried in the card return instruction; Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; The digital resources of the remaining prepaid resource value corresponding to the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier are unfrozen and transferred to the digital resource account corresponding to the target consumer identifier.

5. The method according to claim 1 or 2, characterized in that: The method further comprises: If a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device is received, identifying a target merchant identifier carried in the query instruction; Based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, the target remaining prepaid resource value corresponding to the target merchant identifier is determined, and the information of the target remaining prepaid resource value is sent to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

6. The method according to claim 1 or 2, characterized in that: The account corresponding to the target account identifier belongs to the target consumer or the target merchant.

7. A method for processing prepaid resource value of digital resources, characterized in that: The method is applied to a prepaid consumption device, and the method comprises: Receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier, and a consumption resource value; The payment instruction is sent to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; the bank server obtains the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; the bank server unfreezes the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfers the unfrozen digital resources corresponding to the consumption resource value to the digital resource account corresponding to the target merchant identifier.

8. The method according to claim 7, characterized in that The method further comprises: If a query instruction for querying the remaining prepaid resource value corresponding to a merchant is received and sent by a terminal corresponding to the target merchant identifier, the query instruction is sent to a bank server, wherein the query instruction carries the target merchant identifier; Receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

9. The method according to claim 7, characterized in that: Before receiving the payment instruction, the method further includes: Receiving a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier; Determine whether the target merchant identifier is in a pre-stored merchant blacklist; If yes, sending authentication failure information to the terminal corresponding to the target merchant identifier; If not, an authentication pass message is sent to the terminal corresponding to the target merchant identifier, and subsequent steps are performed.

10. A method for processing prepaid resource value of digital resources, characterized in that: The method comprises: If a payment instruction is received, identifying the target consumer identifier, the target merchant identifier, and the consumption resource value carried in the payment instruction; Determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located; Obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

11. A prepaid resource value processing device for digital resources, characterized in that: The device is applied to a bank server, and comprises: A first identification module, configured to, upon receiving a payment instruction sent by a prepaid consumption device, identify a target consumer identifier, a target merchant identifier, and a consumption resource value carried in the payment instruction; A first determination module, configured to determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence relationship between the currently saved consumer identifier, the merchant identifier, and the account identifier where the prepaid resource value is located; The first unfreezing module is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

12. The device according to claim 11, characterized in that The device also includes: A second identification module is used to receive a recharge instruction sent by the prepaid consumption device, and identify a target consumer identifier, a target merchant identifier, a recharge amount of the prepaid resource value, and a target account identifier of the account to which the prepaid resource value is transferred carried in the recharge instruction; A freezing module is used to transfer the digital resources corresponding to the recharge amount to the digital resource account corresponding to the target account identifier based on the correspondence between the currently saved account identifier and the digital resource account, and freeze the digital resources of the recharge amount; and based on the recharge amount, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

13. The device according to claim 11 or 12, characterized in that The device also includes: A refund module is used to, if a refund instruction sent by a prepaid consumption device is received, identify the target consumer identifier, target merchant identifier and refund resource value carried in the refund instruction; determine the target account identifier corresponding to the target consumer identifier and the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred; freeze the digital resources corresponding to the refund resource value in the digital resource account corresponding to the target merchant identifier and transfer them to the digital resource account corresponding to the target account identifier, and based on the refund resource value, update the remaining prepaid resource value of the target account identifier corresponding to the target consumer identifier and the target merchant identifier.

14. The device according to claim 11 or 12, characterized in that The device also includes: A card return module is used to, upon receiving a card return instruction for returning the remaining prepaid resource value sent by a prepaid consumption device, identify a target consumer identifier and a target merchant identifier carried in the card return instruction; determine a target account identifier corresponding to the target consumer identifier and the target merchant identifier according to a correspondence between currently saved consumer identifiers, merchant identifiers and the account identifier of the account into which the prepaid resource value is transferred; and unfreeze the digital resources corresponding to the remaining prepaid resource value of the target merchant identifier and the target consumer identifier in the digital resource account corresponding to the target account identifier and transfer them to the digital resource account corresponding to the target consumer identifier.

15. The device according to claim 11 or 12, characterized in that The device also includes: The query module is used for, upon receiving a query instruction for querying the remaining prepaid resource value corresponding to a merchant sent by the prepaid consumption device, identifying the target merchant identifier carried in the query instruction; determining the target remaining prepaid resource value corresponding to the target merchant identifier based on the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier of the account into which the prepaid resource value is transferred, and sending the information of the target remaining prepaid resource value to the prepaid consumption device, so that the prepaid consumption device sends the information of the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

16. The device according to claim 11 or 12, characterized in that The account corresponding to the target account identifier belongs to the target consumer or the target merchant.

17. A prepaid resource value processing device for digital resources, characterized in that: The device is applied to a prepaid consumption device, and comprises: A receiving module, used for receiving a payment instruction, wherein the payment instruction carries a target consumer identifier, a target merchant identifier and a consumption resource value; A sending module is used to send the payment instruction to a bank server, so that the bank server determines the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, merchant identifier and the account identifier where the prepaid resource value is located; enables the bank server to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; enables the bank server to unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and enables the bank server to transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

18. The device according to claim 17, characterized in that The receiving module is further configured to send the query instruction to the bank server if a query instruction for querying the remaining prepaid resource value corresponding to the merchant is received and sent by the terminal corresponding to the target merchant identifier, wherein the query instruction carries the target merchant identifier; The sending module is further used to receive information about the target remaining prepaid resource value corresponding to the target merchant identifier returned by the bank server, and send the target remaining prepaid resource value to the terminal corresponding to the target merchant identifier.

19. The device according to claim 17, characterized in that The device also includes: The authentication module is used to receive a registration authentication request sent by a terminal corresponding to a target merchant identifier, wherein the registration authentication request carries the target merchant identifier; determine whether the target merchant identifier is in a pre-stored merchant blacklist; if so, send authentication failure information to the terminal corresponding to the target merchant identifier; if not, send authentication pass information to the terminal corresponding to the target merchant identifier.

20. A prepaid resource value processing device for digital resources, characterized in that: The device comprises: A third identification module is used to identify the target consumer identifier, the target merchant identifier and the consumption resource value carried in the payment instruction if a payment instruction is received; A second determination module is used to determine the target consumer identifier and the target account identifier corresponding to the target merchant identifier according to the correspondence between the currently saved consumer identifier, the merchant identifier and the account identifier where the prepaid resource value is located; The second unfreezing module is used to obtain the remaining prepaid resource value corresponding to the target consumer identifier and the target merchant identifier in the digital resource account corresponding to the target account identifier; unfreeze the digital resources corresponding to the consumption resource value from the remaining prepaid resource value, and transfer the unfrozen digital resources corresponding to the consumption resource value into the digital resource account corresponding to the target merchant identifier.

21. A prepaid resource value processing system for digital resources, characterized in that: The system comprises: the device applied to a bank server as described in any one of claims 11-16 and the device applied to a prepaid consumption device as described in any one of claims 17-19.

22. An electronic device, characterized in that: The electronic device comprises at least a processor and a memory, and the processor is used to implement the steps of any one of the methods of claims 1-10 when executing a computer program stored in the memory.

23. A computer-readable storage medium, characterized in that: It stores a computer program, which, when executed by a processor, implements the steps of the method according to any one of claims 1 to 10.

24. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is enabled to execute the steps of the method according to any one of claims 1 to 10.

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