CN106127468A - A kind of network recharge method and device - Google Patents
A kind of network recharge method and device Download PDFInfo
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- CN106127468A CN106127468A CN201610445814.5A CN201610445814A CN106127468A CN 106127468 A CN106127468 A CN 106127468A CN 201610445814 A CN201610445814 A CN 201610445814A CN 106127468 A CN106127468 A CN 106127468A
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- rechargeable card
- party platform
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
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- Theoretical Computer Science (AREA)
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Abstract
The invention belongs to network recharging technique field, disclose a kind of network recharge method, including: receiving the information of the rechargeable card of user's input, described rechargeable card is bought at third-party platform by user；Information according to described rechargeable card judges that described rechargeable card is the most effective, if rechargeable card is effective, increases the fictitious assets corresponding to described rechargeable card in the virtual account of described user；Information according to described rechargeable card sends message to third-party platform, so that described third-party platform knows that described rechargeable card uses.Pass through the embodiment of the present invention, it is provided that a kind of new network recharge method, it is possible to the use network making the user of each stratum simple and effective is supplemented with money and network payment, beneficially the popularization of network payment technology and use.Present invention also offers corresponding network recharging device.
Description
Technical Field
The invention belongs to the technical field of network payment, and particularly relates to a network recharging method and device.
Background
With the development of internet technology, internet payment becomes an indispensable novel payment mode in people's life. The existing network payment method is usually directly cooperated with a bank, a user initiates a request, a third party payment platform responds, and the user and a consumption platform need to open an account and bind a bank card in advance to the third party payment platform. When a consumption request is initiated, the third-party platform deducts the consumption amount from the bank card bound by the user in advance and transfers the consumption amount to the payment account of the consumption platform, and the amount in the account of the consumption platform can be used for other online consumption or cash withdrawal to the bank card bound in advance.
The recharging method requires the user to open the online payment of the bank card in advance, open the account number of the third-party payment platform, use the online bank, use the third-party platform and the like, thereby invisibly improving the learning cost of online recharging consumption of the user. For some users without bank cards or users with troubles in the use of third-party payment platforms, the existing payment method cannot meet the requirement of online recharge consumption of the users.
Disclosure of Invention
The invention provides a network recharging method and device aiming at the defects or improvement requirements of the prior art, and aims to provide a unified recharging card recharging platform, so that common consumers can purchase recharging cards issued by various third party platforms and simply complete recharging operation, and the problem of high technical requirements of network recharging and network payment in the prior art is solved.
To achieve the above object, according to an aspect of the present invention, there is provided a network charging method, including:
receiving information of a rechargeable card input by a user, wherein the rechargeable card is purchased by the user on a third-party platform;
judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding a virtual asset corresponding to the rechargeable card in a virtual account of the user;
and sending a message to a third party platform according to the information of the rechargeable card so that the third party platform can know that the rechargeable card is used.
In an embodiment of the present invention, the information of the rechargeable card at least includes a card number, a password, a rechargeable amount and third party platform information.
In an embodiment of the present invention, the determining whether the rechargeable card is valid according to the user charge specifically includes:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; or,
and sending the information of the rechargeable card to a corresponding third-party platform, judging whether the rechargeable card is valid by the third-party platform, and receiving the information whether the rechargeable card is valid fed back by the third-party platform.
In an embodiment of the present invention, the adding of the virtual asset corresponding to the rechargeable card to the virtual account of the user specifically includes:
and determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity in the virtual account of the user.
In an embodiment of the present invention, the sending a message to a third party platform according to the information of the rechargeable card specifically includes:
acquiring third party platform information contained in the rechargeable card;
and sending a message to the third party platform so that the third party platform knows that the rechargeable card is used, wherein the message at least comprises the card number of the rechargeable card.
According to another aspect of the present invention, there is also provided a network recharging device, including an information receiving module, a recharging module, and a rechargeable card logout module, wherein:
the information receiving module is used for receiving information of a rechargeable card input by a user, and the rechargeable card is purchased by the user on a third-party platform;
the recharging module is used for judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding virtual assets corresponding to the rechargeable card in the virtual account of the user;
and the rechargeable card logout module is used for sending a message to a third party platform according to the information of the rechargeable card so that the third party platform can know that the rechargeable card is used.
In an embodiment of the present invention, the information of the rechargeable card at least includes a card number, a password, a rechargeable amount and third party platform information.
In an embodiment of the present invention, the recharge module includes a recharge card validity determination module, and the recharge card validity determination module is specifically configured to:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; or,
and sending the information of the rechargeable card to a corresponding third-party platform, judging whether the rechargeable card is valid by the third-party platform, and receiving the information whether the rechargeable card is valid fed back by the third-party platform.
In an embodiment of the present invention, the recharge module includes a recharge execution module, and the recharge execution module is specifically configured to:
and determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity in the virtual account of the user.
In an embodiment of the present invention, the rechargeable card logout module specifically includes a third-party platform information acquisition module and an information sending module, where:
the third-party platform information acquisition module is used for acquiring third-party platform information contained in the rechargeable card;
the information sending module is used for sending a message to the third party platform so that the third party platform can know that the rechargeable card is used, wherein the message at least comprises the card number of the rechargeable card.
In the embodiment of the invention, a unified consumer platform is constructed, and the recharging requests of the recharging purchased by the user from each third-party platform are received, so that the problem that the rechargeable cards issued by each third-party platform are incompatible with each other can be solved, the validity verification of the rechargeable cards can be realized in the recharging process, and the third-party platform can be informed that the recharging of the rechargeable cards is completed in time after the recharging is completed. The embodiment of the invention provides a new network recharging method, which can enable users of all levels to simply, conveniently and effectively use network recharging and network payment and is beneficial to popularization and use of network payment technology.
Drawings
Fig. 1 is a schematic flow chart of a network recharging method according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a network recharging device according to an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a top-up module in an embodiment of the invention;
fig. 4 is a schematic structural diagram of a rechargeable card logout module according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. In addition, the technical features involved in the embodiments of the present invention described below may be combined with each other as long as they do not conflict with each other.
At present, the popularization degree of mobile phones in China is very high, the popularization degree of mobile phone rechargeable cards is very high, and various face value rechargeable cards can be purchased everywhere in all cities in China. In addition, the network game industry is developed, and game cards can be purchased from both online channels and offline channels. There are of course other various rechargeable cards. The rechargeable card is generally anonymous in consumption, free of worry, transparent, safe and free of potential safety hazard. Because of utilizing the social characteristics, a consumer platform is constructed, the recharging card purchased by the user on various third party platforms (such as platforms selling mobile phone recharging cards, game point cards and the like) can be recharged and used on the consumer platform, so that the learning cost of online consumption of the user is reduced, the sensitive information of the bank card of the user is protected, and in addition, the online consumption user group can be expanded when the system is used as a consumption platform.
As shown in fig. 1, the present invention provides a network recharging method, which includes:
s1, receiving information of a rechargeable card input by a user, wherein the rechargeable card is purchased by the user on a third-party platform;
the rechargeable card may be any of a variety of pre-sold rechargeable cards, such as cell phone rechargeable cards, point of play cards, and the like, which are generally not famous. The platforms on which these charge cards are available are collectively referred to as third party platforms.
The information of the rechargeable card at least comprises a card number, a password, a rechargeable amount and third party platform information.
The card number and the password are used for judging whether the rechargeable card is valid or not by combining with the third-party platform information.
S2, judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding virtual assets corresponding to the rechargeable card in the virtual account of the user;
in order to prevent the consumer from forging the rechargeable card for recharging, it is further required to determine whether the rechargeable card is valid, and specifically, the following two ways may be used:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; in this case, the valid rechargeable card information issued by the third-party platform should be recorded in the consumer platform, that is, the consumer platform includes a valid rechargeable card information set acquired from the third-party platform in advance;
or, the information of the rechargeable card is sent to a corresponding third-party platform, the third-party platform judges whether the rechargeable card is valid or not, and receives the information whether the rechargeable card is valid or not fed back by the third-party platform; in this case, the third party platform should be recorded in the consumer platform in advance, the consumer platform only judges whether the third party platform information contained in the rechargeable card is valid or not, sends the card number password of the rechargeable card to the corresponding third party platform, and the third party platform judges whether the rechargeable card is valid or not and receives feedback information;
if the rechargeable card is valid, executing a recharging operation, specifically:
and determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity in the virtual account of the user.
Because the metering units of the recharging cards issued by different third party platforms may be different, the coefficients (third party platform recharging coefficients for short) of each type of recharging card of each third party platform for cashing the virtual assets in the consumer platform need to be preset, for example, the coefficient of the mobile phone recharging card is 1, and the coefficient of the game point card is 0.1; and multiplying the recharging amount contained in the recharging card by the recharging coefficient to obtain the actual virtual asset quantity contained in the recharging card.
S3, sending a message to a third party platform according to the information of the rechargeable card, so that the third party platform knows that the rechargeable card is used.
After the recharging is completed, the third party platform needs to be informed of the information that the recharging of the rechargeable card is completed, which indicates that the recharging amount contained in the card is used up, specifically:
acquiring third party platform information contained in the rechargeable card;
and sending a message to the third party platform so that the third party platform knows that the rechargeable card is used, wherein the message at least comprises the card number of the rechargeable card.
Of course, if the consumer platform includes an effective rechargeable card information set obtained from the third party platform in advance, after recharging is completed, the rechargeable card that has completed recharging needs to be set to a used state in the effective rechargeable card information set.
It should be further noted that the issuer and the distributor of the rechargeable card may not be the same in a normal situation, so that the third party platform referred to in the embodiments of the present invention is the issuer of the rechargeable card, and even if the user purchases the rechargeable card from the distributor, the term "user purchases the rechargeable card from the issuer of the rechargeable card" per se; namely, the validity verification of the rechargeable card and the logout operation of the rechargeable card are realized by information interaction with an issuer of the rechargeable card.
In the embodiment of the invention, a unified consumer platform is constructed, and the recharging requests of the recharging purchased by the user from each third-party platform are received, so that the problem that the rechargeable cards issued by each third-party platform are incompatible with each other can be solved, the validity verification of the rechargeable cards can be realized in the recharging process, and the third-party platform can be informed that the recharging of the rechargeable cards is completed in time after the recharging is completed. The embodiment of the invention provides a new network recharging method, which can enable users of all levels to simply, conveniently and effectively use network recharging and network payment and is beneficial to popularization and use of network payment technology.
Further, as shown in fig. 2, the present invention further provides a network recharging device, which includes an information receiving module 1, a recharging module 2, and a rechargeable card logout module 3, wherein:
the information receiving module 1 is used for receiving information of a rechargeable card input by a user, wherein the rechargeable card is purchased by the user on a third-party platform;
further, the information of the rechargeable card at least comprises a card number, a password, a rechargeable amount and third party platform information;
the recharging module 2 is used for judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding virtual assets corresponding to the rechargeable card in the virtual account of the user;
further, as shown in fig. 3, the recharging module includes a rechargeable card validity determining module 21 and a recharging executing module 22, where the rechargeable card validity determining module 21 is specifically configured to:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; or,
sending the information of the rechargeable card to a corresponding third-party platform, judging whether the rechargeable card is valid or not by the third-party platform, and receiving the information whether the rechargeable card is valid or not fed back by the third-party platform;
the recharge execution module 22 is specifically configured to:
determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity to the virtual account of the user;
and the rechargeable card logout module 3 is used for sending a message to a third party platform according to the information of the rechargeable card so that the third party platform can know that the rechargeable card is used.
Further, the rechargeable card logout module 3 specifically includes a third-party platform information acquisition module 31 and an information sending module 32, where:
the third-party platform information obtaining module 31 is configured to obtain third-party platform information included in the rechargeable card;
the information sending module 32 is configured to send a message to the third party platform so that the third party platform knows that the rechargeable card is used, where the message at least includes a card number of the rechargeable card.
In the embodiment of the invention, a unified consumer platform is constructed, and the recharging requests of the recharging purchased by the user from each third-party platform are received, so that the problem that the rechargeable cards issued by each third-party platform are incompatible with each other can be solved, the validity verification of the rechargeable cards can be realized in the recharging process, and the third-party platform can be informed that the recharging of the rechargeable cards is completed in time after the recharging is completed. The embodiment of the invention provides a new network recharging method, which can enable users of all levels to simply, conveniently and effectively use network recharging and network payment and is beneficial to popularization and use of network payment technology.
It will be understood by those skilled in the art that the foregoing is only a preferred embodiment of the present invention, and is not intended to limit the invention, and that any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A network charging method, comprising:
receiving information of a rechargeable card input by a user, wherein the rechargeable card is purchased by the user on a third-party platform;
judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding a virtual asset corresponding to the rechargeable card in a virtual account of the user;
and sending a message to a third party platform according to the information of the rechargeable card so that the third party platform can know that the rechargeable card is used.
2. The network recharging method of claim 1 wherein the information of the rechargeable card includes at least a card number, a password, a recharge amount, and third party platform information.
3. The network recharging method of claim 1 or 2, wherein the determining whether the rechargeable card is valid according to the user charge specifically comprises:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; or,
and sending the information of the rechargeable card to a corresponding third-party platform, judging whether the rechargeable card is valid by the third-party platform, and receiving the information whether the rechargeable card is valid fed back by the third-party platform.
4. The network recharging method of claim 1 or 2, wherein the adding of the virtual asset corresponding to the recharge card in the virtual account of the user specifically comprises:
and determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity in the virtual account of the user.
5. The network recharging method of claim 1 or 2, wherein the sending of the message to the third party platform according to the information of the rechargeable card specifically comprises:
acquiring third party platform information contained in the rechargeable card;
and sending a message to the third party platform so that the third party platform knows that the rechargeable card is used, wherein the message at least comprises the card number of the rechargeable card.
6. A network charging device is characterized by comprising an information receiving module, a charging module and a rechargeable card logout module, wherein:
the information receiving module is used for receiving information of a rechargeable card input by a user, and the rechargeable card is purchased by the user on a third-party platform;
the recharging module is used for judging whether the rechargeable card is valid according to the information of the rechargeable card, and if the rechargeable card is valid, adding virtual assets corresponding to the rechargeable card in the virtual account of the user;
and the rechargeable card logout module is used for sending a message to a third party platform according to the information of the rechargeable card so that the third party platform can know that the rechargeable card is used.
7. The network charger device of claim 6 wherein said charger card information includes at least a card number, a password, a charger amount, and third party platform information.
8. The network charging device of claim 6 or 7, wherein the charging module comprises a rechargeable card validity determination module, and the rechargeable card validity determination module is specifically configured to:
judging whether the information of the rechargeable card is contained in an effective rechargeable card information set acquired from a third-party platform in advance, and if so, judging that the rechargeable card is effective; or,
and sending the information of the rechargeable card to a corresponding third-party platform, judging whether the rechargeable card is valid by the third-party platform, and receiving the information whether the rechargeable card is valid fed back by the third-party platform.
9. The network recharging device of claim 6 or 7, wherein the recharging module comprises a recharging execution module, and the recharging execution module is specifically configured to:
and determining the actual virtual asset quantity contained in the rechargeable card according to the recharging amount and the recharging coefficient of the third-party platform, and adding the actual virtual asset quantity in the virtual account of the user.
10. The network recharging device of claim 6 or 7, wherein the recharging card logout module specifically comprises a third party platform information acquisition module and an information sending module, wherein:
the third-party platform information acquisition module is used for acquiring third-party platform information contained in the rechargeable card;
the information sending module is used for sending a message to the third party platform so that the third party platform can know that the rechargeable card is used, wherein the message at least comprises the card number of the rechargeable card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610445814.5A CN106127468A (en) | 2016-06-20 | 2016-06-20 | A kind of network recharge method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610445814.5A CN106127468A (en) | 2016-06-20 | 2016-06-20 | A kind of network recharge method and device |
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| CN106127468A true CN106127468A (en) | 2016-11-16 |
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| CN102098400A (en) * | 2009-12-14 | 2011-06-15 | 深圳速浪数字技术有限公司 | Rechargeable card management method and system |
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- 2016-06-20 CN CN201610445814.5A patent/CN106127468A/en active Pending
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| US20060190346A1 (en) * | 2000-09-25 | 2006-08-24 | Sines Randy D | Order file processing using order variables from two sources and authentication |
| US20070250440A1 (en) * | 2006-04-25 | 2007-10-25 | Uc Group Limited | Systems and methods for funding payback requests for financial transactions |
| CN101588427A (en) * | 2009-06-18 | 2009-11-25 | 中国联合网络通信集团有限公司 | National uniform electric communication service charging method and system |
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