Recharge method, device and storage medium

Abstract

The present application discloses a recharge method, device, and storage medium, relating to the field of digital payment technologies. The method includes: after detecting an entity card through the NFC module, reading first transaction record data in the entity card; sending a first recharge application instruction to a background system based on the first transaction record data, so that the background system constructs a card transaction record and sends a recharge instruction to a recharge application; receiving the recharge instruction sent by the background system and sending the recharge instruction to the entity card through the NFC module; if an execution result returned by the entity card is received within a preset first time, the recharge is successful; if the execution result returned by the entity card is not received within the preset first time, performing secondary data reading and comparison on the entity card, and if the comparison is successful, the recharge is successful. The present application can save operation and maintenance costs.

Description

Technical Field

[0001] This application relates to the field of digital payment technologies, and in particular, to a recharge method, device, and storage medium. Background Art

[0002] In the transportation field, traffic physical cards are used to read data from the card and change the balance through instructions. During the card recharge process, after the background issues a recharge instruction (balance change instruction), due to reasons such as card movement, the execution result of the recharge instruction may not be received. At this time, the background order status is in the recharge-in-progress (referred to as a gray transaction in this patent) state. In this case, the physical card may have been successfully recharged or may not have been successfully recharged, and manual intervention is required for verification, resulting in high operation and maintenance costs.

[0003] The above content is only used to assist in understanding the technical solution of this application, and does not represent an admission that the above content is prior art. Summary of the Invention

[0004] The main purpose of this application is to provide a recharge method, device, and storage medium, aiming to solve the technical problem of high operation and maintenance costs caused by the gray transaction state of physical cards currently.

[0005] To achieve the above objective, this application proposes a recharge method applied to a recharge application. The method includes the following steps:

[0006] After detecting a physical card through the NFC module, read the first transaction record data in the physical card;

[0007] Based on the first transaction record data, send a first recharge application instruction to the background system, so that the background system constructs a card transaction record and sends a recharge instruction to the recharge application;

[0008] Receive the recharge instruction sent by the background system, and send the recharge instruction to the physical card through the NFC module;

[0009] If the execution result returned by the physical card is received within a preset first time, the recharge is successful;

[0010] If the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card. If the comparison is successful, the recharge is successful.

[0011] In one embodiment, before the step of reading the first transaction record data in the physical card after detecting the physical card through the NFC module, it includes:

[0012] In response to a recharge operation, send a create order instruction and a payment instruction to the background system, so that the background system creates an order and completes a payment operation.

[0013] In one embodiment, if the execution result returned by the entity card is not received within the preset first time, the secondary data reading and comparison of the entity card includes:

[0014] If the execution result returned by the entity card is not received within the preset first time and the entity card is detected to move through the NFC module, guide the user to reattach the card;

[0015] Perform secondary data reading and comparison on the entity card.

[0016] In one embodiment, the secondary data reading and comparison of the entity card includes:

[0017] Read the second transaction record data in the entity card;

[0018] Send a second recharge application instruction to the background system based on the second transaction record data, so that the background system compares the second transaction record data with the first transaction record data and / or the card transaction record.

[0019] The present application also proposes a recharge method applied to a background system, and the method includes the following steps:

[0020] Receive a first recharge application instruction sent by a recharge application based on first transaction record data, and construct a card transaction record. The first transaction record data is obtained by reading the entity card after the recharge application detects the entity card through the NFC module;

[0021] Send a recharge instruction to the recharge application, so that the recharge application issues the recharge instruction to the entity card through the NFC module. If the recharge application receives the execution result returned by the entity card within the preset first time, the recharge is successful. If the recharge application does not receive the execution result returned by the entity card within the preset first time, perform secondary data reading and comparison on the entity card. If the comparison is successful, the recharge is successful.

[0022] In one embodiment, the background system includes an order payment system and a card management system. The receiving the first recharge application instruction sent by the recharge application based on the first transaction record data and constructing the card transaction record includes:

[0023] Check the order status of the target order through the order payment system;

[0024] If the order status is the first recharge in a one-time recharge transaction, obtain the first transaction record data based on the first recharge application instruction through the order payment system;

[0025] Send a top-up application to the card management system through the order payment system, so that the card management system constructs a first top-up record and updates the first top-up record to the grey transaction status;

[0026] Generate the top-up instruction through the card management system and send the top-up instruction to the order payment system, so that the order payment system sends the top-up instruction to the top-up application;

[0027] Send card transaction data to the order payment system through the card management system, so that the order payment system updates the order status to the grey transaction status and constructs the card transaction record based on the card transaction data.

[0028] In one embodiment, the second data reading and comparison of the physical card, if the comparison is successful, the top-up is successful includes:

[0029] Receive a second top-up application instruction sent by the top-up application through the order payment system, where the second top-up application instruction is sent by the top-up application based on the second transaction record data after reading the second transaction record data in the physical card;

[0030] Compare the second transaction record data with the first transaction record data and / or the card transaction record through the order payment system. If the comparison is successful, the top-up is successful.

[0031] In one embodiment, the comparing the second transaction record data with the first transaction record data and / or the card transaction record through the order payment system, if the comparison is successful, the top-up is successful includes:

[0032] Compare the first transaction record data with the second transaction record data through the order payment system;

[0033] If the comparison between the first transaction record data and the second transaction record data fails, update the order status to require manual verification;

[0034] If the comparison between the first transaction record data and the second transaction record data is successful, compare the second transaction record with the card transaction record;

[0035] If the comparison between the second transaction record and the card transaction record is successful, update the order status to top-up successful;

[0036] If the comparison between the second transaction record and the card transaction record fails, update the order status to top-up failed.

[0037] In addition, to achieve the above object, the present application also proposes a recharge device, which is set in a recharge application, and the recharge device includes:

[0038] A data reading module, configured to read first transaction record data in the physical card after detecting the physical card through the NFC module;

[0039] A record building module, configured to send a first recharge application instruction to a background system based on the first transaction record data, so that the background system builds a card transaction record and sends a recharge instruction to the recharge application;

[0040] A recharge instruction issuing module, configured to receive the recharge instruction sent by the background system and issue the recharge instruction to the physical card through the NFC module;

[0041] An execution result receiving module, configured to, if the execution result returned by the physical card is received within a preset first time, the recharge is successful; if the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card, and if the comparison is successful, the recharge is successful.

[0042] In addition, to achieve the above object, the present application also proposes a recharge device, and the device includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, and the computer program is configured to implement the steps of the recharge method as described above.

[0043] In addition, to achieve the above object, the present application also proposes a storage medium, the storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium, and when the computer program is executed by a processor, the steps of the recharge method as described above are implemented.

[0044] One or more technical solutions proposed by the present application have at least the following technical effects:

[0045] In the present application, if the recharge application receives the execution result returned by the physical card within a preset first time, the recharge is successful; if the recharge application does not receive the execution result returned by the physical card within the preset first time, perform secondary data reading and comparison on the physical card, whereby it can be determined whether the gray transaction is successful, thus avoiding manual intervention for verification and reducing the operation and maintenance cost. Description of the Drawings

[0046] The drawings here are incorporated into the specification and form a part of the specification, showing embodiments consistent with the present application and used together with the specification to explain the principles of the present application.

[0047] To more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the accompanying drawings required in the description of the embodiments or the prior art. Obviously, for those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0048] Figure 1 It is a schematic flowchart provided for the first embodiment of the recharge method of the present application;

[0049] Figure 2 It is the schematic flowchart of the recharge method of the present application Figure 1 ;

[0050] Figure 3 It is the schematic flowchart of the recharge method of the present application Figure 2 ;

[0051] Figure 4 It is the schematic module structure diagram of the recharge device in the embodiment of the present application;

[0052] Figure 5 It is the schematic device structure diagram of the hardware operating environment involved in the recharge method in the embodiment of the present application.

[0053] The realization of the purpose, functional features and advantages of the present application will be further described with reference to the accompanying drawings in combination with the embodiments. Specific Embodiments

[0054] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0055] To better understand the technical solutions of the present application, the following will be described in detail in combination with the accompanying drawings of the specification and the specific embodiments.

[0056] The main solution of the embodiment of the present application is: after detecting the physical card through the NFC module, read the first transaction record data in the physical card; based on the first transaction record data, send a first recharge application instruction to the background system, so that the background system constructs a card transaction record and sends a recharge instruction to the recharge application; receive the recharge instruction sent by the background system and send the recharge instruction to the physical card through the NFC module; if the execution result returned by the physical card is received within the preset first time, the recharge is successful; if the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card. If the comparison is successful, the recharge is successful.

[0057] In this embodiment, for the convenience of description, the following will be described with the recharge system as the execution subject.

[0058] In the transportation field, the traffic physical card reads data from the card and changes the balance through instructions. During the card recharge process, after the background issues a recharge instruction (balance change instruction), the execution result of the recharge instruction may not be received due to reasons such as card movement. At this time, the background order status is in the recharge process (referred to as a gray transaction in this patent). In this case, the physical card may have been successfully recharged or may not have been successfully recharged, and manual intervention is required for verification, resulting in high operation and maintenance costs.

[0059] In addition, the current technology can determine whether the recharge is successful by the balance change before and after the card recharge. However, this simple balance judgment has defects. Because in the case of a gray transaction order, the balance can also be changed through consumption transactions generated by taking the bus, recharging again, etc. If the gray transaction order is actually successfully recharged and then the same recharge amount is consumed, the balance after consumption is the same as the balance of the card before recharge. Judging whether the gray transaction is successfully recharged only by the balance, the conclusion is that the recharge fails, which obviously results in misjudgment and causes losses to the card company.

[0060] This application provides a solution. In this application, if the recharge application receives the execution result returned by the physical card within a preset first time, the recharge is successful; if the recharge application does not receive the execution result returned by the physical card within the preset first time, the physical card is read for secondary data and compared, so as to determine whether this gray transaction is successfully recharged, thus avoiding manual intervention for verification and reducing the operation and maintenance costs.

[0061] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication, and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device, a recharge device, etc. that can implement the above functions, or an electronic system, a recharge system, etc. that can implement the above functions. Hereinafter, taking the recharge system as an example, this embodiment and the following embodiments will be described.

[0062] Based on this, the embodiment of this application provides a recharge method, referring to Figure 1 , Figure 1 which is the flow chart provided for the first embodiment of the recharge method of this application.

[0063] In this embodiment, applied to the recharge application, the recharge method includes steps S20 to S60:

[0064] Step S20, after detecting the physical card through the NFC module, read the first transaction record data in the physical card;

[0065] Among them, the recharge application can be installed on a mobile terminal, such as a mobile phone.

[0066] Optionally, the top-up application includes an NFC module, which can implement NFC functionality.

[0067] Among them, when the card balance of the physical card changes, a card transaction record will be synchronously written in the card. Therefore, the top-up application can read the first transaction record data in the physical card through the NFC module.

[0068] Among them, the first transaction record data may include information such as the physical card number, balance, transaction time, transaction amount, transaction location, etc.

[0069] As an implementation, due to the limited storage space of the physical card, the first transaction record data can store a limited number of transaction records. For example, the first transaction record data can be 10 transaction records, and new transactions will overwrite the oldest transaction record in terms of transaction time.

[0070] Step S30: Send a first top-up application instruction to the background system based on the first transaction record data, so that the background system constructs a card transaction record and sends a top-up instruction to the top-up application;

[0071] Among them, after receiving the request, the background system will create a card transaction record in the database to track the status and details of this top-up.

[0072] Step S40: Receive the top-up instruction sent by the background system and send the top-up instruction to the physical card through the NFC module;

[0073] It should be noted that at this time, the balance information needs to be updated in the physical card.

[0074] Step S50: If the execution result returned by the physical card is received within a preset first time, the top-up is successful;

[0075] Among them, the preset first time can be set based on the actual situation and will not be elaborated here.

[0076] Step S60: If the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card. If the comparison is successful, the top-up is successful.

[0077] It should be noted that due to reasons such as the movement of the physical card or the physical card not receiving the top-up instruction, the top-up application may not receive the execution result of the top-up instruction. At this time, it is necessary to perform secondary data reading and comparison on the physical card.

[0078] This embodiment provides a recharge method. In the present application, if the recharge application receives the execution result returned by the physical card within a preset first time, the recharge is successful; if the recharge application does not receive the execution result returned by the physical card within the preset first time, the physical card is read for secondary data and compared, so as to determine whether the gray transaction is successfully recharged, thus avoiding manual intervention for verification and reducing the operation and maintenance cost.

[0079] Based on any of the above embodiments, in the second embodiment of the present application, for the same or similar content as the above embodiments, reference can be made to the above introduction and will not be repeated hereinafter. On this basis, in step S20, before reading the first transaction record data in the physical card after detecting the physical card through the NFC module, the recharge method further includes step S10:

[0080] Step S10, in response to the recharge operation, send a create order instruction and a payment instruction to the background system, so that the background system creates an order and completes the payment operation.

[0081] It should be noted that the user can use a mobile phone with NFC function, install the recharge application and enter the physical card recharge function, select the recharge amount and complete the payment. At this time, the recharge application sends a create order instruction and a payment instruction to the background system, and the background system creates an order and completes the payment operation after receiving the create order instruction and the payment instruction.

[0082] It should be noted that at this time, the user has already paid, and it is recorded in both the recharge application and the background system, but not synchronized to the physical card.

[0083] As Figure 2 shown, Figure 2 is the flowchart of the recharge method of the present application Figure 1 .

[0084] After payment, open the card pasting recharge page of the recharge application, use the physical card to closely attach to the back of the mobile phone. After the recharge application detects the card through the NFC module, it issues an instruction to read the card number, balance and 10 transaction records in the card, and sends a first recharge application instruction to the background system based on the transaction record data, so that the background system registers 10 transaction records in the card after receiving the first recharge application instruction, including transaction serial number, transaction time, transaction amount, transaction device number, etc.

[0085] The embodiment of the present application designs a complete recharge process, ensuring the reliability of the operation and the user experience.

[0086] Based on any of the above embodiments, in the third embodiment of the present application, for the same or similar content as in the above embodiments, reference may be made to the above introduction and will not be elaborated hereinafter. On this basis, in step S60, if the execution result returned by the physical card is not received within the preset first time, the secondary data reading and comparison of the physical card further includes steps S61 to S62:

[0087] Step S61, if the execution result returned by the physical card is not received within the preset first time and the physical card is detected to move through the NFC module, guide the user to reattach the card;

[0088] Among them, the user can be guided to reattach the card through voice prompts, screen displays, indicator light prompts, vibration feedback, etc.

[0089] Among them, reference can be made to Figure 3 , Figure 3 which is the flowchart of the recharge method of this application Figure 2 .

[0090] When the background system issues a recharge instruction to the recharge application and the recharge application issues a recharge instruction to the physical card, due to the movement of the physical card and the unknown result, the recharge application has an exception at this time and the process is interrupted. The recharge application guides the user to reattach the card. After the recharge application detects that the user reattaches the card through the NFC module, it issues an instruction to the physical card to perform secondary data reading and comparison on the physical card. Among them, the card number, balance, and 10 transaction records in the card are read.

[0091] Step S62, perform secondary data reading and comparison on the physical card.

[0092] Among them, the secondary data reading and comparison of the physical card may include reading the second transaction record data in the physical card; based on the second transaction record data, sending a second recharge application instruction to the background system so that the background system compares the second transaction record data with the first transaction record data and / or the card transaction record.

[0093] The embodiment of the present application improves the user experience and recharge success rate through mechanisms such as real-time feedback, operation guidance, secondary data reading and comparison.

[0094] Based on any of the above embodiments, in the fourth embodiment of the present application, for the same or similar content as in the above embodiments, reference may be made to the above introduction and will not be elaborated hereinafter. On this basis, in step S62, the secondary data reading and comparison of the physical card further includes steps S621 to S622:

[0095] Step S621, read the second transaction record data in the physical card;

[0096] Reference can be made to Figure 3 to read the second transaction record data in the physical card, including the card number, balance, and 10 transaction records in the card.

[0097] Step S622: Send a second recharge application instruction to the background system based on the second transaction record data, so that the background system compares the second transaction record data with the first transaction record data and / or the card transaction record.

[0098] Among them, as an implementation manner, the background system can compare the second transaction record data with the first transaction record data.

[0099] As another implementation manner, the background system can compare the second transaction record data with the card transaction record data.

[0100] As another implementation manner, the background system can first compare the second transaction record data with the first transaction record data. If the comparison is successful, then compare the second transaction record data with the card transaction record.

[0101] Reference Figure 3 to send a second recharge application instruction to the background system by the recharge application, so that the background system registers 10 transaction records in the card in the previously created card transaction record, including transaction serial number, transaction time, transaction amount, transaction device number, etc., so that the background system compares the second transaction record data with the first transaction record data and / or the card transaction record.

[0102] In the embodiment of the present application, by comparing the second transaction record data with the first transaction record data and / or the card transaction record, it can be effectively determined whether the order is successfully recharged, thus avoiding manual intervention for verification and reducing the operation and maintenance cost.

[0103] In the fifth embodiment of the present application, a recharge method applied to the background system is further proposed. The method includes steps S11~S12:

[0104] Step S11: Receive a first recharge application instruction sent by the recharge application based on the first transaction record data, and construct a card transaction record. The first transaction record data is obtained by reading the physical card after the recharge application detects the physical card through the NFC module;

[0105] It should be noted that this embodiment is applied to the background system. The background system receives the first recharge application instruction sent by the recharge application based on the first transaction record data. Among them, the first transaction record data may include information such as the physical card number, balance, transaction time, transaction amount, transaction location, etc.

[0106] Among them, after receiving the request, the background system will create a card transaction record in the database to track the status and details of this recharge.

[0107] Step S12: Send a recharge instruction to the recharge application, so that the recharge application sends the recharge instruction to the physical card through the NFC module. If the recharge application receives the execution result returned by the physical card within a preset first time, the recharge is successful. If the recharge application does not receive the execution result returned by the physical card within the preset first time, perform secondary data reading and comparison on the physical card. If the comparison is successful, the recharge is successful.

[0108] Among them, after constructing the card transaction record, the background system sends a recharge instruction to the recharge application, so that the recharge application sends the recharge instruction to the physical card.

[0109] This embodiment provides a recharge method. In this application, if the recharge application receives the execution result returned by the physical card within a preset first time, the recharge is successful; if the recharge application does not receive the execution result returned by the physical card within the preset first time, perform secondary data reading and comparison on the physical card. Thus, it can be determined whether this gray transaction is successfully recharged, thereby avoiding manual intervention for verification and reducing the operation and maintenance cost.

[0110] Based on any of the above embodiments, in the sixth embodiment of this application, the same or similar content as the above embodiments can be referred to the above introduction and will not be elaborated hereinafter. On this basis, it can be referred to Figure 2 , the background system includes an order payment system and a card management system. The steps for constructing the card transaction record by receiving the first recharge application instruction sent by the recharge application based on the first transaction record data include steps S111~S115:

[0111] Step S111: Check the order status of the target order through the order payment system;

[0112] Step S112: If the order status is the first recharge in a one-time recharge transaction, obtain the first transaction record data based on the first recharge application instruction through the order payment system;

[0113] Among them, when the recharge application successfully reads the card information and sends a recharge application instruction to the order payment system, the order payment system checks the order status after receiving the recharge application instruction. If the order is the first card sticking recharge, register the in-card transaction record, find the last registered transaction record according to the serial number, and record the card information before recharge.

[0114] It should be noted that in a single recharge transaction, the first tap of the physical card is recorded as the first recharge in a recharge transaction. If the physical card is tapped again after being moved, it is recorded as the second recharge in a recharge transaction, and so on.

[0115] It should be noted that by checking whether the physical card is the first recharge in a recharge transaction, the transaction records in the card before recharge can be read, and subsequent data comparison is based on the transaction records in the card before recharge.

[0116] Step S113: Send a recharge application to the card management system through the order payment system, so that the card management system constructs a first recharge record and updates the first recharge record to the gray transaction state;

[0117] Step S114: Generate the recharge instruction through the card management system and send the recharge instruction to the order payment system, so that the order payment system sends the recharge instruction to the recharge application;

[0118] After successfully registering the first recharge information in the order payment system, the order payment system sends a recharge application instruction to the card management system. After receiving the recharge application instruction, the card management system constructs a first recharge record, updates the first recharge record to the gray transaction state, generates and sends a recharge instruction to the order payment system.

[0119] Step S115: Send card transaction data to the order payment system through the card management system, so that the order payment system updates the order status to the gray transaction state and constructs the card transaction record based on the card transaction data.

[0120] After receiving the recharge instruction sent by the card management system, the order payment system updates the order status to the gray transaction state and registers information such as the transaction time and device number synchronously sent by the card management system in the card transaction record.

[0121] In the embodiment of the present application, by updating the order status of the undetermined order to the gray transaction state through the order payment system, it can be ensured that the order can be correctly processed subsequently, improving the stability and reliability of the recharge system.

[0122] Based on any of the above embodiments, in the seventh embodiment of the present application, the same or similar content as the above embodiments can be referred to the above introduction and will not be elaborated hereinafter. On this basis, the secondary data reading and comparison of the physical card, if the comparison is successful, the successful recharge includes steps S121~S122:

[0123] Step S121: receiving, through the order payment system, a second recharge application instruction sent by the recharge application, where the second recharge application instruction is sent by the recharge application based on the second transaction record data after reading the second transaction record data in the physical card;

[0124] Among them, if the recharge application does not receive the card execution result within the preset first time, the process is interrupted. The recharge application detects the movement of the card through the NFC module and prompts the user to re-attach the card. After the user re-attaches the card, the recharge application re-reads the card balance and transaction records in the card (second transaction record data) through instructions, and re-initiates a second recharge application instruction to the order payment system based on the second transaction record data.

[0125] Step S122: The second transaction record data is compared with the first transaction record data and / or the card transaction record through the order payment system. If the comparison is successful, the recharge is successful.

[0126] Further, please refer to Figure 3 , step S122 includes steps S1221 to S1225:

[0127] Step S1221: comparing the first transaction record data and the second transaction record data through the order payment system;

[0128] If the order payment system determines that the order is not the first recharge, the last transaction record in the first transaction record data is matched with the second transaction record data.

[0129] Step S1222: If the comparison between the first transaction record data and the second transaction record data fails, the order status is updated to require manual verification;

[0130] Among them, if the last transaction record in the first transaction record data cannot be matched in the second transaction record data, it means that there are multiple other transactions after the recharge order gray transaction for the card, and the original recharge order data may have been overwritten. The judgment based on the card transaction record is unreliable, and the order status is updated to require manual verification.

[0131] Step S1223: If the first transaction record data and the second transaction record data are successfully compared, then the second transaction record is compared with the card transaction record;

[0132] Among them, if the last transaction record of the first transaction record data can be matched in the second transaction record data, it means that if the record is not overwritten in the scenario where the gray transaction order is successfully recharged and the preconditions are met, the order payment system will match the transaction time, device number, and recharge amount information (i.e., card transaction record) sent by the card management system during the first recharge with the second transaction record data.

[0133] Step S1224, if the comparison between the second transaction record and the card transaction record is successful, update the order status to recharge successful;

[0134] Among them, if the second transaction record matches the card transaction record, it means that the recharge is successful, and the order status is updated to recharge successful;

[0135] Step S1225, if the comparison between the second transaction record and the card transaction record fails, update the order status to recharge failed.

[0136] If the second transaction record does not match the card transaction record, it means that the recharge fails, the order status is updated to recharge failed, and a recharge application needs to be made again, and step S114 is executed.

[0137] As an implementation, a distributed blockchain network can also be constructed to record the relevant data of all recharge transactions (such as transaction records, recharge instructions, status updates, etc.). Each node (such as the order payment system, card management system, recharge application, etc.) participates in the maintenance and verification of the blockchain network. Specifically, in each recharge transaction, key data such as the first transaction record data, the second transaction record data, the recharge instruction, and the card transaction record are uploaded to the blockchain. Based on the immutability of the blockchain, the security during the recharge process can be improved.

[0138] Through secondary data reading and comparison in the embodiments of the present application, it can be judged whether the gray transaction is successfully recharged, thus avoiding manual intervention for verification and reducing the operation and maintenance costs.

[0139] It should be noted that the above examples are only for understanding the present application and do not constitute a limitation on the recharge method of the present application. Based on this technical concept, more simple transformations in various forms are within the protection scope of the present application.

[0140] The present application also provides a recharge device. Please refer to Figure 4 and is set in the recharge application. The recharge device includes:

[0141] A data reading module 10, configured to read the first transaction record data in the physical card after detecting the physical card through the NFC module;

[0142] A record building module 20, configured to send a first top-up application instruction to a background system based on the first transaction record data, so that the background system builds a card transaction record and sends a top-up instruction to the top-up application;

[0143] A top-up instruction sending module 30, configured to receive the top-up instruction sent by the background system and send the top-up instruction to the physical card through the NFC module;

[0144] An execution result receiving module 40, configured to, if an execution result returned by the physical card is received within a preset first time, the top-up is successful; if the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card, and if the comparison is successful, the top-up is successful.

[0145] The top-up device provided in this application adopts the top-up method in the above embodiment, and can solve the technical problem of high operation and maintenance costs caused by the gray transaction state of the physical card. Compared with the prior art, the beneficial effects of the top-up device provided in this application are the same as those of the top-up method provided in the above embodiment, and other technical features in the top-up device are the same as the features disclosed in the method of the above embodiment, and will not be elaborated here.

[0146] This application provides a top-up device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the top-up method in the first embodiment above.

[0147] Next, refer to Figure 5 , which shows a schematic structural diagram of a top-up device suitable for implementing the embodiments of this application. The top-up device in the embodiments of this application may include, but is not limited to, mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), in-vehicle terminals (such as in-vehicle navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The top-up device shown is only an example and should not impose any limitations on the functions and usage scopes of the embodiments of this application.

[0148] As Figure 5As shown, the recharge device may include a processing device 1001 (such as a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to the program stored in the read-only memory 1002 or the program loaded from the storage device 1003 into the random access memory 1004. In the random access memory 1004, various programs and data required for the operation of the recharge device are also stored. The processing device 1001, the read-only memory 1002, and the random access memory 1004 are connected to each other through a bus 1005. The input / output interface 1006 is also connected to the bus. Generally, the following systems may be connected to the input / output interface 1006: an input device 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the recharge device to communicate with other devices wirelessly or wiredly to exchange data. Although the figure shows a recharge device with various systems, it should be understood that it is not required to implement or have all the shown systems. Instead, more or fewer systems may be implemented or had.

[0149] In particular, according to the embodiments disclosed in the present application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program codes for executing the methods shown in the flowcharts. In such an embodiment, the computer program can be downloaded and installed from the network through the communication device, or installed from the storage device 1003, or installed from the read-only memory 1002. When the computer program is executed by the processing device 1001, the above functions defined in the methods of the embodiments disclosed in the present application are executed.

[0150] The recharge device provided by the present application adopts the recharge method in the above embodiment, and can solve the technical problem of high operation and maintenance costs caused by the gray transaction state of the physical card. Compared with the prior art, the beneficial effects of the recharge device provided by the present application are the same as those of the recharge method provided by the above embodiment, and other technical features in this recharge device are the same as those disclosed in the method of the previous embodiment, which will not be elaborated here.

[0151] It should be understood that each part disclosed in the present application can be implemented by hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in a suitable manner in any one or more embodiments or examples.

[0152] As described above, it is only the specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present application can easily think of changes or substitutions, which should all be covered within the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims described above.

[0153] The present application provides a computer-readable storage medium having computer-readable program instructions (i.e., computer programs) stored thereon, and the computer-readable program instructions are used to execute the recharge method in the above embodiments.

[0154] The computer-readable storage medium provided by the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination of the above. More specific examples of the computer-readable storage medium may include, but are not limited to: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM) or flash memory, optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program can be used by or combined with an instruction execution system or device. The program code contained on the computer-readable storage medium can be transmitted by any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0155] The above computer-readable storage medium may be included in the recharge device; or it may exist separately without being assembled into the recharge device.

[0156] The above computer-readable storage medium carries one or more programs, which, when executed by a recharge device, cause the recharge device to: after detecting a physical card through the NFC module, read first transaction record data in the physical card; send a first recharge application instruction to a background system based on the first transaction record data, so that the background system constructs a card transaction record and sends a recharge instruction to the recharge application; receive the recharge instruction sent by the background system and send the recharge instruction to the physical card through the NFC module; if an execution result returned by the physical card is received within a preset first time, the recharge is successful; if the execution result returned by the physical card is not received within the preset first time, perform secondary data reading and comparison on the physical card, and if the comparison is successful, the recharge is successful.

[0157] Computer program code for performing the operations of this application can be written in one or more programming languages or combinations thereof. The above programming languages include object-oriented programming languages such as Java, Smalltalk, C++, and also include conventional procedural programming languages such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, executed as an independent software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, by using an Internet service provider to connect through the Internet).

[0158] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of code that contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram and / or flowchart, and the combination of blocks in the block diagram and / or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0159] The modules involved in the embodiments of the present application can be implemented in software or in hardware. Among them, the name of the module does not constitute a limitation on the unit itself in some cases.

[0160] The readable storage medium provided by the present application is a computer-readable storage medium. The computer-readable storage medium stores computer-readable program instructions (i.e., computer programs) for executing the above recharge method, which can solve the technical problem of high operation and maintenance costs caused by the gray trading state of physical cards. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as those of the recharge method provided by the above embodiments, and will not be elaborated here.

[0161] The above are only some embodiments of the present application, and do not limit the patent scope of the present application. Any equivalent structural transformation made under the technical concept of the present application by using the content of the specification and drawings of the present application, or direct / indirect application in other related technical fields, is included in the patent protection scope of the present application.

Claims

1. A top-up method, characterized in that, Applied to a recharge application, the method includes the following steps: After detecting an entity card through the NFC module, read the first transaction record data in the entity card; Based on the first transaction record data, send a first recharge application instruction to the background system, so that the background system constructs a card transaction record and sends a recharge instruction to the recharge application, including: The background system includes an order payment system and a card management system; Based on the first transaction record data, send the first recharge application instruction to the background system, so that the order payment system checks the order status of the target order. If the order status is the first recharge in a one-time recharge transaction, then based on the first recharge application instruction, the order payment system obtains the first transaction record data, and the first transaction record data records the entity card information before recharge. And send a recharge application to the card management system through the order payment system, construct a first recharge record through the card management system, update the first recharge record to the gray transaction status, generate the recharge instruction through the card management system, send the recharge instruction to the order payment system, send card transaction data to the order payment system through the card management system, update the order status to the gray transaction status through the order payment system, and construct the card transaction record based on the card transaction data; Receive the recharge instruction sent by the order payment system, and send the recharge instruction to the entity card through the NFC module; If the execution result returned by the entity card is received within a preset first time, the recharge is successful; If the execution result returned by the entity card is not received within the preset first time, perform secondary data reading and comparison on the entity card. If the comparison is successful, the recharge is successful.

2. The method according to claim 1, wherein Before the step of reading the first transaction record data in the entity card after detecting the entity card through the NFC module, it includes: In response to a recharge operation, send a create order instruction and a payment instruction to the background system, so that the background system creates an order and completes a payment operation.

3. The method according to claim 1, wherein The step of performing secondary data reading and comparison on the entity card if the execution result returned by the entity card is not received within the preset first time includes: If the execution result returned by the entity card is not received within the preset first time and the entity card is detected to move through the NFC module, guide the user to reattach the card; Perform secondary data reading and comparison on the entity card.

4. The method according to claim 3, characterized in that, The step of performing secondary data reading and comparison on the entity card includes: Read the second transaction record data in the entity card; Based on the second transaction record data, send a second recharge application instruction to the background system, so that the background system compares the second transaction record data with the first transaction record data and / or the card transaction record.

5. A recharge method, characterized in that, Applied to a background system, the method includes the following steps: Receive the first recharge application instruction sent by the recharge application based on the first transaction record data, and construct a card transaction record. The first transaction record data is obtained by reading the physical card after the recharge application detects the physical card through the NFC module; Send a recharge instruction to the recharge application, so that the recharge application sends the recharge instruction to the physical card through the NFC module. If the recharge application receives the execution result returned by the physical card within the preset first time, the recharge is successful. If the recharge application does not receive the execution result returned by the physical card within the preset first time, perform secondary data reading and comparison on the physical card. If the comparison is successful, the recharge is successful; The background system includes an order payment system and a card management system. The receiving the first recharge application instruction sent by the recharge application based on the first transaction record data and constructing a card transaction record includes: Check the order status of the target order through the order payment system; If the order status is the first recharge in a one-time recharge transaction, obtain the first transaction record data based on the first recharge application instruction through the order payment system. The first transaction record data records the physical card information before recharge; Send a recharge application to the card management system through the order payment system, so that the card management system constructs a first recharge record and updates the first recharge record to a gray transaction status; Generate the recharge instruction through the card management system and send the recharge instruction to the order payment system, so that the order payment system sends the recharge instruction to the recharge application; Send card transaction data to the order payment system through the card management system, so that the order payment system updates the order status to a gray transaction status and constructs the card transaction record based on the card transaction data.

6. The method according to claim 5, wherein The performing secondary data reading and comparison on the physical card and, if the comparison is successful, the recharge is successful includes: Receive the second recharge application instruction sent by the recharge application through the order payment system. The second recharge application instruction is sent based on the second transaction record data after the recharge application reads the second transaction record data in the physical card; Compare the second transaction record data with the first transaction record data and / or the card transaction record through the order payment system. If the comparison is successful, the recharge is successful.

7. The method according to claim 6, wherein The comparing the second transaction record data with the first transaction record data and / or the card transaction record through the order payment system and, if the comparison is successful, the recharge is successful includes: Compare the first transaction record data with the second transaction record data through the order payment system; If the comparison between the first transaction record data and the second transaction record data fails, update the order status to require manual verification; If the comparison between the first transaction record data and the second transaction record data is successful, compare the second transaction record with the card transaction record; If the comparison between the second transaction record and the card transaction record is successful, update the order status to recharge successful; If the comparison between the second transaction record and the card transaction record fails, update the order status to recharge failed.

8. A recharge device, characterized in that, The device includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being configured to implement the steps of the recharge method according to any one of claims 1 to 7.

9. A storage medium, characterized in that, The storage medium is a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, it implements the steps of the recharge method according to any one of claims 1 to 7.

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