Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
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Network Transaction-Based Refill Method And Device
[1] [Technical Field]
[2] The present invention relates to the field of communications
technologies, and in
particular, to a method and device for recharging based on network
transactions.
[3] [Background Technology]
[4] E-commerce has gradually become the main trend of Internet economic
development,
online consumption has gradually become a way of life for people. In order to
make the
transaction more convenient and faster, the merchants generally use the
preferential
activities to attract customers to reload before spending. The traditional
method of
reloading, the customer has already put the money into the merchant's account
before it is
consumed, and the merchant can control the customer's money at will. Since
funds are not
under the control of customers, they cannot guarantee the safety of customer
funds.
[5] [Summary of the Invention]
[6] Based on this, it is necessary to provide a method and a device for
recharging based on
network transaction that can improve fund safety in view of the above
technical problem.
[7] A network transaction based recharge method, the method including:
[8] Receive a recharge request delivered by a first terminal, where the
recharge request carries
a payment account, a recharge amount and a payment account;
[9] Pay the funds in the payment account into the payment account;
[10] Freezing the funds of the recharging amount received in the remittance
account and
generating a recharging certificate corresponding to the recharging amount;
[11] The recharge certificate is delivered to the first terminal.
[12] A network transaction-based recharge device, the device including:
[13] The request receiving module is used to receive the recharge request
delivered by the first
terminal, and the recharge request carries the payment account, the amount of
the recharge
and the receivable account;
[14] A fund payment module is used to pay the amount of the charged amount
in the payment
account to the receiving account;
[15] A certificate generating module is used for freezing the funds of the
recharging amount
received in the remittance account and generating a recharging certificate
corresponding to
the recharging amount;
[16] An information delivering module is used to deliver the recharge
certificate to the first
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terminal.
[17] The above method and device for replenishing online transactions,
although the funds for
customer replenishment have been transferred from the payment account to the
merchant's
payment account, the funds are frozen in the payment account, and the service
provided by
the merchant is enjoyed by the customer before, businesses are unable to
control customer
recharge of funds, thus ensuring the safety of customer funds.
[18] [Brief Description]
[19] In order to specifically illustrate the examples of the invention or
the technical solutions in
the current technology, the following drawings, which are to be used in the
description of
the examples or the current technology, will be briefly described, and it will
be apparent
that the following accompanying drawings, which are merely exemplary of the
invention,
may be made by those of ordinary skill in the art in view of the accompanying
drawings, in
which the drawings of other examples may be obtained without departing from
the
inventive work.
[20] Figure 1 is a schematic flow chart of a method for recharging a web-
based transaction in
one example.
[21] Figure 2 is a flow chart of a method for recharging a web-based
transaction after the step of
delivering the recharge certificate to a first terminal in one example;
[22] Figure 3 is a schematic flow chart of a method for recharging a web-
based transaction in
another example;
[23] Figure 4 is an application scene diagram of a network transaction
based recharge method in
one example;
[24] Figure 5 is a schematic structural diagram of a network transaction-
based recharging
device in one example;
[25] Figure 6 is a schematic structural diagram of a network transaction
based recharging device
in another example;
[26] Figure 7 is a schematic structural diagram of a network transaction
based recharging device
in another example;
[27] Figure 8 is a schematic structural diagram of a network transaction
based recharging device
in another example;
[28] Figure 9 is a schematic structural diagram of a network transaction-
based recharging
device in another example.
[29] [Description of the Preferred Examples]
[30] In order to make the purpose, the technical solution and advantages of
the invention more
clearly understood, the following explanations further explain the invention
according to
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the attached drawings and examples. It is to be understood that the specific
examples
described herein are merely illustrative of the invention but not intended to
limit the
invention.
[31] As shown in Figure 1, in one example, it is provided a network
transaction-based
recharging method, which includes the following steps:
[32] Step 101: Receive a recharging request delivered by the first
terminal.
[33] The first terminal corresponds to a customer or a buyer, and the
customer may pre-charge
in the recharging system before consuming. In this example, the server is used
for
implementing the recharging function receives the recharging request delivered
by the first
terminal. Specifically, the server may be a bank-provided server or a server
provided by a
third-party payment platform. The customer completes the recharge task through
the first
terminal login recharge system. The recharge request carries the payment
account, the
recharge amount, and the payment account. A payment account is an account used
by a
customer to pay a rechargeable fund. A collection account is an account used
by a merchant
to obtain funds. The user selects the account type on the top-up interface and
fill in the
payment account, receiving account and recharge amount, and click the top-up
button to
complete the submitting of the top-up request.
[34] Step 102: Pay the funds in the payment account to the collection
account.
[35] The server allocates the funds in the receiving account equal to the
top up amount to the
receiving account. If the receiving account and the receiving account belong
to the same
type of account, there is only one server here. For example, if the payment
account and
collection account are CCB accounts, they belong to bank transfer, and the
server refers to
the server provided by CCB. If the receivable account is different from the
payment
account, it belongs to the cross bank transfer, the receivable account and the
payment
account have the corresponding server. For example, if the payment account is
China
Construction Bank and the receiving account is Agricultural Bank of China, the
corresponding server includes First Server corresponding to China Construction
Bank and
Second Server corresponding to Agricultural Bank of China. The server here is
not limited
to a bank-provided server, but also includes: a third-party payment platform
(for example,
Alipay). In one example, before step 102, the server also needs to verify the
user name and
password of the payment account to ensure the security of the funds.
[36] Step 103: Freeze the funds of the recharging amount received in the
receiving account and
generate the recharging certificate corresponding to the recharging amount.
Recharge
certificate are used to certify that the server has successfully frozen the
funds in the
payment account in the electronic receipt of the payment account. The recharge
certificate
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contains various types of information such as recharge amount, recharge time,
payment
account number, collection account number and customer's electronic signature,
ect. The
frozen funds are not dominated by the merchant corresponding to the receiving
account.
[37] Step 104: Deliver the recharge certificate to the first terminal.
[38] After obtaining the recharge certificate from the first terminal, the
customer can complete
payment and settlement with the merchant. The message of successful recharging
includes
information such as a recharged user name and recharge amount. In an example,
the server
further delivers a message of successful recharging to the second terminal, so
that the
merchant can grasp the recharge status of the customer in time.
[39] The above method is used for replenishing online transactions,
although the funds for
customer replenishment have been transferred from the payment account to the
merchant's
payment account, the funds are frozen in the payment account, and the service
provided by
the merchant is enjoyed by the customer before, businesses are unable to
control customer
recharge of funds, thus ensuring the safety of customer funds.
[40] As shown in Figure 2, in an example, the recharge request further
carries a fund settlement
condition, where the recharge certificate includes the fund release condition;
and in step
104, the recharge certificate is delivered to the first terminal afterwards,
the provided
method for recharging based on network transaction further includes the
following steps:
[41] Step 201: Obtain recharge certificate and transaction certificate
delivered by the first
terminal.
[42] The transaction certificate is an electronic certificate generated by
the client through the
network transaction between the first terminal and the merchant through the
second
terminal. Funding solution conditions refers to the funds from the frozen
state to release
conditions need to meet the conditions. Customers in the process of recharging
can set the
conditions for payment of funds. For example, users often need to fly by
plane, and in the
process of recharging, they can set the fund settlement conditions to purchase
air tickets.
Payment can be completed only when a customer uses a charge certificate to buy
a ticket.
[43] Transaction certificate are electronic data used to prove that a
client and a merchant have
completed an online transaction and have recorded transaction details. The
transaction
electronic certificate contains the purpose of the fund and the transaction
amount. Wherein,
the use of funds refers to the types of clients and business networks parent.
The transaction
amount refers to the transaction costs of the Internet trading.
[44] Step 202: Verify whether the recharge certificate is valid. If so,
then go to Step 203, if not,
then the end. In order to prevent the recharge certificate from being forged
or used by the
client itself, the validity of the certificate recharge needs to be verified.
Specifically, the
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certificate may be validated by checking the user's electronic signature on
the certificate, if
yes, go to step 203.
[45] Step 203, it is determined whether the use of funds is consistent with
the settlement
conditions. If yes, go to step 204 and release the funds already frozen in the
receiving
account equal to the transaction amount. If not, then end.
[46] The server compares the use of funds with the conditions for the
settlement of funds to
determine whether the two are exactly the same. It is only when the two are
completely at
the same time that the fund releases. The purpose of doing so is to further
verify the
identity of the user of the funds and improve the security of the top-up
funds. After the
server releases the funds in the receiving account, the merchant can freely
control the funds
and realize the payment of the network transaction. The above method does not
require the
user to complete the transaction with the merchant network through the post-
bank
third-party payment platform, and the customer can pay more than once by
recharging,
which makes the payment more convenient and quicker and improves the payment
efficiency.
[47] Step 205: Generate a released payment result message, and deliver the
payment result
message to the first terminal.
[48] The server feedbacks the payment result message to the first terminal,
so that the customer
can know the payment result in time. If the payment is successful, the payment
result
message is a payment success message, indicating that the payment for the
network
transaction is completed. If the recharge amount of the certificate is less
than the
transaction amount or the payment fails due to other reasons, the generated
payment result
message is a payment failure message. Customers and businesses need to re-pay
the
settlement.
[49] In one example, the method further includes: when the payment result
message is a
payment successful message, updating the recharge amount of the recharge
certificate
according to the transaction amount, synchronizing the updated remaining
amount content
to the first terminal, and notifying the user
[50] Since the recharge amount of the certificate is used to pay the
expenses incurred by the
customer, the recharge amount will be reduced accordingly. The server updates
the
recharge amount in real time and returns the recharge amount to the first
terminal, so that
the customer can grasp the dynamic of their consumption in time. The user is
informed that
after the first terminal receives the updated remaining amount, the user may
be reminded in
the form of a ring tone and / or a vibration of how much money is left by
using the ring
and/or vibration mode.
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[51] As shown in Figure 3, in one example, the network transaction based
recharge method
further includes:
[52] Step 301: Receive a fund withdrawal certificate and a recharge
certificate delivered by the
first terminal.
[53] Step 302: Verify whether the recharge certificate is valid. If so,
then go to Step 303, if not,
then the end.
[54] Step 303: Determine whether the withdrawal condition of the fund
satisfies the preset
condition, if yes, proceed to step 304, otherwise, end.
[55] Step 304: Release the funds in the receiving account equal to the
amount withdrawn from
the frozen funds.
[56] Step 305, refund the unfrozen funds to the payment account.
[57] Funding withdrawal refers to the refund of the funds frozen in the
merchant's payment
account to the payment account that the customer uses to pay for the funds.
The purpose of
setting a funds withdrawal is to further protect the safety of customer funds,
to prevent the
risk of financial losses to the clients from dishonest merchants. Clients and
merchants may
agree that withdrawal of funds is unconditional and may be conditionally
withdrawn as
agreed by both parties. Funding withdrawal certificate includes the amount of
withdrawal
and withdrawal of funds.
[58] In this example, although the recharging funds are not in the
customer's receiving account,
the customer still has the right to withdraw the funds, which effectively
ensures the security
of the funds and at the same time, it can urge the merchants to provide the
clients with
better quality service, achieve the goal of double benefit.
[59] In one example, the method further includes: after the funds are
returned to the payment
account, succeeding, updating the recharging amount of the recharging document
according to the reimbursement amount, and synchronizing the updating result
to the first
terminal.
[60] When the withdrawal of funds is successful, the recharge amount of the
recharge certificate
is updated according to the withdrawal amount, and the update result is
delivered to the
first terminal. In this example, the result of the withdrawal of funds is
reflected by the
updated recharge amount, and the client can understand the processing result
of the server's
withdrawal in the first time.
[61] As shown in Figure 4, in an example, the User A obtains the recharge
certificate through
the first terminal 20 by recharging the server 10. The User A obtains the
transaction
certificate through the first terminal 20 and the merchant B through the
second terminal 30
for network transaction. The first terminal 20 delivers the top-up certificate
and the
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transaction certificate to the server 10 to complete the payment processing by
the server 10.
[62] When required, the purpose of the certificate is varied. The payment
of the online
transaction between the above example customer and the merchant is only for
the
convenience of understanding the technical solution of the present invention.
It does not
limit the application of recharge certificates. Here are a few examples of
recharging
certificates. For example, the payment certificate is used to process the
annual card of the
merchant. When the user consumes, he can partially pay the frozen funds for
payment. If
the user cancels the card, the remaining funds can be withdrawn at any time.
[63] As shown in Figure 5, a network-based recharge device is provided,
which includes the
following modules:
[64] The request receiving module 50 is used to receive the recharge
request delivered by the
first terminal, and the recharge request carries the payment account, the
amount of the
recharge and the receivable account.
[65] The fund payment module 51 is used to pay the fund of the
reimbursement amount in the
payment account to the collection account.
[66] The certificate generating module 52 is used to freeze funds of the
recharging amount
received in the receiving account and generate a recharging certificate
corresponding to the
recharging amount.
[67] The information delivering module 53 is used to deliver the recharge
certificate to the first
terminal.
[68] As shown in Figure 6, in an example, the recharge request further
carries a fund settlement
condition, and the recharge certificate includes the fund settlement
condition; and the
network transaction-based recharging device further includes:
[69] The first information acquisition module 60 is used to acquire a
recharge certificate
delivered by the first terminal and a transaction certificate, where the
transaction certificate
includes a fund usage and a transaction amount.
[70] The first verification module 61 is used to verify whether the
recharge certificate is valid.
[71] The first fund releasing module 62 is used to determine whether the
purpose of the fund is
consistent with the fund settlement condition when the result of the first
verification
module is positive, and if so, the amount of funds that has been frozen in the
frozen
collection account is equal to the amount of the transaction.
[72] The first message delivering module 63 is used to generate a releasing
payment result
message, and deliver the payment result message to the first terminal.
[73] As shown in Figure 7, in one example, the online transaction-based
recharging device
further includes:
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[74] The first updating module 64 is used to update the recharging amount
of the recharging
document according to the transaction amount when the payment result message
is a
payment success message, and deliver the updated remaining amount to the first
terminal,
and notify the user.
[75] As shown in Figure 8, in one example, an online transaction-based
recharging device
provided further includes:
[76] The second information acquisition module 80 is used to receive the
redemption certificate
and the fund withdrawal certificate delivered by the first terminal, where the
fund
withdrawal certificate includes the withdrawal amount and the fund withdrawal
condition.
[77] The second verification module 81 is used to verify whether the
recharge certificate is
valid.
[78] The second funds unfreezing module 82 is used to further determine
whether the
withdrawal conditions of the funds satisfy the preset condition when the
verification result
of the second verification module is yes, and if yes, release the frozen funds
in the received
accounts withdrawal of the same amount of funds.
[79] Funding withdrawal module 83 is used for returning the defrosted funds
to the payment
account.
[80] As shown in Figure 9, in one example, an online transaction-based
recharging device
provided further includes:
[81] The second updating module 84 is used to update the recharging amount
of the recharging
certificate according to the reimbursement amount after the fund is returned
to the payment
account, and synchronize the updating result to the first terminal.
[82] A person of skill in the art considers the problems disclosed herein
and sought to be
solved by the present disclosure to be exclusively computer problems and
contemplates
only solutions to those problems that include essential computer elements.
Abstract ideas,
mere schemes, plans, rules, or mental processes that do not include computer
elements are
expressly excluded from this application.
[83] The ordinary technicians in the field can understand and implement all
or part of the
processes in the above mentioned method of the example which can be completed
by
means of a computer program that can be stored in a computer-readable storage
medium.
When the program is executing, it may include all the above-mentioned process
in the
example. Among them, the storage medium can be a magnetic disk, CD, a read-
only
memory (ROM) and other non-volatile storage media or random access memory
(RAM),
etc.
[84] The characteristics of technology in the above example can be
arbitrarily combined. In
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order to simplify the description, it does not describe all the possible
combinations of the
various characteristics of technology in the above examples, however, as long
as the
combination of these characteristics of technology are not conflict, it should
be considered
in the scope of this Specification records.
[85] The above example only express several examples of the invention,
and its descriptions are
more specific and detailed, however, it cannot to be considered as a
limitation of the scope
of the invention patent. It should be noted that various modifications and
improvements
can be made by those skilled technicians in the field without departing from
the inventive
concept, which belonged to the protection scope of the invention. Therefore,
the protection
scope of patent in the invention should be subject to the attached claims.
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