CN113450106B - Method and system for managing prepaid card accounts - Google Patents
Method and system for managing prepaid card accounts Download PDFInfo
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- CN113450106B CN113450106B CN202110823144.7A CN202110823144A CN113450106B CN 113450106 B CN113450106 B CN 113450106B CN 202110823144 A CN202110823144 A CN 202110823144A CN 113450106 B CN113450106 B CN 113450106B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
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Abstract
The invention discloses a method and a system for managing a prepaid card account, wherein the method comprises the following steps: binding the prepaid card to an application end according to information of at least one prepaid card and generating an application end account, wherein the application end account corresponds to a main account and at least one auxiliary account; acquiring a payment request of a main account or an auxiliary account; generating a prepaid card order according to the payment request; and executing payment operation according to the payment scheme selected by the main account or the auxiliary account based on the prepaid card ordering. The method and the system disclosed by the invention avoid the problem that the payment process of swiping the card for multiple times is complicated when buying large-amount commodities by using the prepaid card with smaller denomination through the joint payment of the prepaid cards; in addition, the payment of one main account number and a plurality of auxiliary accounts can be supported through the prepaid card account number, so that the requirement that other family members consume through the prepaid card is met.
Description
Technical Field
The invention relates to the field of transaction payment, in particular to a method and a system for managing prepaid card accounts based on APP.
Background
Prepaid cards refer to prepaid vouchers issued by card issuers via specific carriers and forms for the purpose of profit, which can purchase goods or services at a specific institution. The payment of the conventional prepaid card requires that the cardholder carry the prepaid card with him to pay by swiping the card at a specific off-line store, and with the development of the mobile internet, the mobile APP based on the prepaid card can also be used in an on-line environment, such as direct on-line purchase or code-scanning payment. At present, online payment is based on single card payment, namely, one-time consumption takes a bound single card as a main body, a large amount of orders need to be swiped for multiple times and other payment modes need to be added, so that joint payment of a plurality of prepaid cards bound by a user cannot be realized, and the payment efficiency is low; and the bound account only supports the payment of a single account, and family members cannot commonly use the prepaid card. For the above reasons, the conventional prepaid card is used in a manner which is less and less adaptable to the current user's usage habits.
Disclosure of Invention
In order to solve the defects in the prior art, the invention provides a method and a system for managing prepaid card accounts, which are used for jointly paying by a plurality of prepaid cards and supporting payment by a main account and a plurality of auxiliary accounts.
In order to achieve the above object, the present invention provides a method for managing prepaid card accounts, comprising:
binding the prepaid card to an application end according to information of at least one prepaid card and generating an application end account, wherein the application end account corresponds to a main account and at least one auxiliary account;
acquiring a payment request of a main account or an auxiliary account;
generating a prepaid card order according to the payment request;
and executing payment operation according to the payment scheme selected by the main account or the auxiliary account based on the prepaid card ordering.
Optionally, the generating a prepaid card order according to the payment request includes:
acquiring payment amount in a payment request and basic information of a prepaid card in the application-side account;
generating a prepaid card order based on the payment amount and the basic information of the prepaid card,
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card.
Optionally, the generating a prepaid card order according to the payment amount and the basic information of the prepaid card includes:
judging whether the effective days of the prepaid card are smaller than an effective threshold value;
if the number of effective days of the prepaid cards is smaller than the effective threshold, the prepaid cards smaller than the effective threshold are ordered in the order near the effective period.
Optionally, the generating a prepaid card order according to the payment amount and the basic information of the prepaid card includes:
judging whether the effective days of the prepaid card are smaller than an effective threshold value;
and if the effective days of the prepaid cards are greater than the effective threshold, sorting the prepaid cards with the balance of the prepaid cards being greater than or equal to the payment amount in the order of the balance.
Optionally, the generating a prepaid card order according to the payment amount and the basic information of the prepaid card includes:
and if the balance of the prepaid card or the sum of the balance of at least two prepaid cards is equal to the payment amount, sequencing the prepaid cards as the first order of sequencing the prepaid cards, or sequencing the at least two prepaid cards as the first order and the second order of sequencing the prepaid cards in sequence.
Optionally, the method for managing prepaid card accounts further includes:
acquiring ciphertext input by an auxiliary account;
and executing the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored by the auxiliary account.
Optionally, the method for managing prepaid card accounts further includes:
and after the payment scheme selected by the auxiliary account is executed, generating a new ciphertext and storing the new ciphertext.
The invention also provides a management system of the prepaid card account, comprising:
the account generation unit is used for binding the prepaid card to an application end to generate an application end account according to the information of at least one prepaid card, and the application end account corresponds to a main account and at least one auxiliary account;
a payment request acquisition unit for acquiring a payment request of a main account or an auxiliary account;
a prepaid card ordering unit for generating a prepaid card ordering according to the payment request;
and the payment unit is used for executing payment operation according to the payment scheme selected by the main account or the auxiliary account based on the prepaid card ordering.
Optionally, the prepaid card sorting unit includes:
the information acquisition unit is used for acquiring the payment amount in the payment request and the basic information of the prepaid card in the application end account;
a sorting unit for generating a prepaid card sort according to the payment amount and the basic information of the prepaid card,
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card.
Optionally, the prepaid card account management system further includes:
the ciphertext acquisition unit is used for acquiring ciphertext input by the auxiliary account;
and the ciphertext comparison unit is used for triggering the payment unit to execute the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored in the account.
The method and the system for managing the prepaid card accounts manage a plurality of prepaid cards in an account management mode, and realize digital display and management of the prepaid cards.
Furthermore, the method and the system for managing the prepaid card account solve the problem that the prepaid card with smaller value needs to pay by swiping the card for multiple times when purchasing a large amount of commodity through the joint payment of a plurality of prepaid cards, and provide convenience for the payment process in a mode of supporting the joint payment of the plurality of prepaid cards and the joint payment of the three-party payment.
Further, the prepaid card account management method and system of the invention support payment of one main account and a plurality of auxiliary accounts through the prepaid card account number, thereby solving the auxiliary consumption demands of family members.
Drawings
FIG. 1 is a flow chart of a method of managing prepaid card accounts according to an embodiment of the present invention;
FIG. 2 is a flow chart illustrating the generation of a prepaid card sort according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a prepaid card account management system according to an embodiment of the present invention;
fig. 4 is a schematic diagram of a prepaid card sorting unit according to an embodiment of the present invention.
Detailed Description
Further advantages and effects of the present invention will become apparent to those skilled in the art from the disclosure of the present specification, by describing the embodiments of the present invention with specific examples. While the description of the invention will be described in connection with the preferred embodiments, it is not intended to limit the inventive features to the implementation. Rather, the invention has been described in connection with specific embodiments for the purpose of covering other alternatives or modifications, which may be extended to cover the claims of the invention. The following description contains many specific details for the purpose of providing a thorough understanding of the present invention. The invention may be practiced without these specific details. Furthermore, some specific details are omitted from the description in order to avoid obscuring the invention.
Fig. 1 is a flow chart of a method for managing prepaid card accounts according to an embodiment of the present invention. As shown in fig. 1, the method for managing prepaid card accounts includes:
s10, binding the prepaid card to an application end according to information of at least one prepaid card and generating an application end account, wherein the application end account corresponds to a main account and at least one auxiliary account;
s20, acquiring a payment request of a main account or an auxiliary account;
s30, generating a prepaid card order according to the payment request;
and S40, executing payment operation according to the payment scheme selected by the main account or the auxiliary account based on the prepaid card ordering.
And S10, binding the prepaid card to an application end according to the information of at least one prepaid card and generating an application end account, wherein the application end account corresponds to one main account and at least one auxiliary account. The information of the prepaid card includes a card number, a password, CVV (Card Verification Value), etc., and the user inputs the prepaid card information to perform prepaid card binding after opening the prepaid card APP, which in this embodiment supports binding of a plurality of prepaid cards.
After the prepaid card binding is completed, the user can query the merchant for the prepaid card consumption through the query merchant function of the prepaid card APP. The technical scheme of the invention mainly aims at the multipurpose prepaid card, the multipurpose prepaid card is issued by a card issuing organization, can be used when signed enterprises or merchants outside the card issuing organization purchase goods or services, can be used by cross-regional, cross-industry and cross-legal persons, and has wide application range and multiple industries. Therefore, in practical application, it is important for the user to know the name and basic information of the merchant capable of supporting the use of the prepaid card, so that the user can be provided with correct consumption guide, and the purpose of drainage can be realized for the merchant.
And S20, acquiring a payment request of the main account or the auxiliary account. When the user needs to pay, a payment request is generated by scanning a payment two-dimensional code or inputting a payment amount.
And S30, generating prepaid card ordering according to the payment request. Fig. 2 is a flow chart illustrating a method for generating a prepaid card order according to an embodiment of the present invention. As shown in fig. 2, the generating a prepaid card order from the payment request includes:
s31, acquiring the payment amount in the payment request and the basic information of the prepaid card in the application-side account;
s32, generating prepaid card ordering according to the payment amount and the basic information of the prepaid card,
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card.
The payment amount is obtained according to the payment request in the S20, and the basic information of each prepaid card in the application end account comprises the validity period and balance information of the prepaid card.
The prepaid card ordering may be ordered in terms of validity period or balance size of prepaid cards when there is no payment request. Ordering by prepaid card validity period (or by expiration time of prepaid cards) refers to ordering the prepaid cards more closely together than they expire. The purpose of ordering the prepaid card expiration dates is to avoid excessive binding of prepaid cards, which may result in the expiration of a portion of the prepaid cards not shown to result in the loss of prepaid card residuals. Sorting by prepaid card balance size means that the larger the prepaid card balance, the more advanced the sorting, or that the smaller the prepaid card balance, the more advanced the sorting. Ordering by prepaid card balance size facilitates the user to quickly select full prepaid cards for payment at the time of payment.
In this embodiment, when there is a payment request, generating a prepaid card order according to the payment amount and basic information of the prepaid card, including:
judging whether the effective days of the prepaid card are smaller than an effective threshold value;
if the number of effective days of the prepaid cards is smaller than the effective threshold, the prepaid cards smaller than the effective threshold are ordered in the order near the effective period.
The effective threshold may be any number of days greater than 7 days and less than 30 days, or any number of days specified by the user. That is, when receiving the payment request of the main account or the auxiliary account, traversing the effective days of all the prepaid cards in the account, if the effective days of the prepaid cards are smaller than the effective threshold, sorting the prepaid cards with the effective days smaller than the effective threshold according to the expiration sequence no matter how many prepaid cards have balance, and sorting the prepaid cards with the effective days smaller than the effective threshold at the forefront. Prepaid cards with validity days greater than the validity threshold may be ordered in terms of prepaid card expiration time or balance. Such as: the effective threshold is 7 days, the effective days of the prepaid card A are 3 days, the effective days of the prepaid card B are 9 days, the effective days of the prepaid card C are 5 days, and the effective days of the prepaid card D are 4 days, and the ordering of the prepaid cards in payment is: prepaid card a, prepaid card D, prepaid card C, prepaid card B.
Further, in the present embodiment, the first and second embodiments,
in the process of judging the effective days and the effective threshold of the prepaid card, if the effective days of the prepaid card are greater than the effective threshold, that is, if the effective days of no prepaid card are less than the effective threshold, the prepaid cards with the balance of the prepaid card being greater than or equal to the payment amount are ordered in the order of the balance, and specifically, the prepaid cards can be ordered in order from small to large according to the balance of the prepaid card.
If the number of effective days of the prepaid card is less than the effective threshold, it indicates that the prepaid card in the account has enough time for the user to use, and the payment convenience is considered at this time, so in this embodiment, prepaid cards with prepaid card balances greater than or equal to the payment amount are ordered in order of balance from small to large. The prepaid cards with a prepaid card balance less than the payment amount may be ordered in terms of prepaid card expiration time or balance size. Such as: the payment amount is 100, the balance of the prepaid card A is 100, the balance of the prepaid card B is 90, the balance of the prepaid card C is 110, the balance of the prepaid card D is 200, the balance of the prepaid card E is 60, and the effective days of the prepaid cards are greater than the effective threshold, the ordering of the prepaid cards is: prepaid card a, prepaid card C, prepaid card D, prepaid card B, prepaid card E. In the sorting, after sorting the prepaid cards A, B, D having the prepaid card balance equal to or greater than the payment amount, the remaining prepaid cards B (expiration time 2021, month 6, and day 1) and prepaid cards E (expiration time 2021, month 7, and day 1) are sorted in order of expiration time.
In other embodiments, for the case where the number of effective days of the prepaid cards is equal to or greater than the effective threshold, the prepaid cards whose prepaid balance is equal to or greater than the payment amount may also be ordered in order of balance from high to low. I.e. for the prepaid cards a to E described above, the prepaid card ordering is: prepaid card D, prepaid card C, prepaid card a, prepaid card B, prepaid card E.
Further, in this embodiment, the generating a prepaid card order according to the payment amount and the basic information of the prepaid card includes:
and if the balance of the prepaid card or the sum of the balance of at least two prepaid cards is equal to the payment amount, sequencing the prepaid cards as the first order of sequencing the prepaid cards, or sequencing the at least two prepaid cards as the first order and the second order of sequencing the prepaid cards in sequence.
If the balance of one prepaid card is the same as the payment amount, or the sum of the balance of two or more prepaid cards is the same as the payment amount, one or more prepaid cards can be eliminated through one-time payment, so that the management of the prepaid cards is facilitated. Therefore, in this embodiment, prepaid cards with balances equal to the payment amount are arranged at the forefront, or prepaid cards with balances equal to the payment amount in the sum of at least two prepaid cards are arranged at the forefront in sequence, and the rest prepaid cards can be arranged according to the expiration time of the prepaid cards or the balance size. Such as: the prepaid cards are ordered as follows, with a payment amount of 100, a balance of 30 for prepaid card A, a balance of 40 for prepaid card B, a balance of 70 for prepaid card C and a balance of 200 for prepaid card D: prepaid card a, prepaid card C, prepaid card B, prepaid card D.
And S40, executing a payment operation according to the payment scheme selected by the main account or the auxiliary account based on the prepaid card ordering.
After ordering the prepaid cards in S30, the user can see the ordering result of payment using the prepaid cards through the interactive interface of the prepaid card APP, at this time, the user can selectively determine the prepaid cards for payment according to the ordering result, and after the payment is completed, the transaction contents can be sorted and put in storage.
Further, in this embodiment, before performing the payment operation, the method further includes:
acquiring ciphertext input by an auxiliary account;
and executing the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored by the auxiliary account.
In order to enhance the protection of the account, in this embodiment, when the payment request of the auxiliary account is acquired, the auxiliary account is required to input a ciphertext, the ciphertext is sent to the mobile terminal reserved during the registration of the auxiliary account through the prepaid card management server, the auxiliary account user receives the ciphertext through the mobile terminal and then inputs the ciphertext, and only when the ciphertext input by the auxiliary account is consistent with the ciphertext stored by the auxiliary account, the payment operation can be executed.
Further, in this embodiment, the method further includes:
and after the payment scheme selected by the auxiliary account is executed, generating a new ciphertext and storing the new ciphertext. In this embodiment, the ciphertext is a one-time ciphertext, and the original ciphertext is invalid after one use, so as to generate a new ciphertext.
Based on the same inventive concept, the invention also provides a prepaid card account management system, and fig. 3 is a schematic diagram of a prepaid card account management system according to an embodiment of the invention. As shown in fig. 3, the prepaid card account management system of the present invention includes:
an account generation unit 10, configured to bind the prepaid card to an application end according to information of at least one prepaid card to generate an application end account, where the application end account corresponds to a main account and at least one auxiliary account;
a payment request acquiring unit 20 for acquiring a payment request of the main account or the sub account;
a prepaid card ordering unit 30 for generating a prepaid card ordering according to the payment request;
a payment unit 40 for performing a payment operation according to the payment scheme selected based on the prepaid card ordering according to the main account or the subsidiary account.
Fig. 4 is a schematic view of a prepaid card sorting unit according to an embodiment of the present invention. As shown in fig. 4, the prepaid card sorting unit 30 includes:
an information obtaining unit 31, configured to obtain a payment amount in a payment request and basic information of a prepaid card in the application account;
a sorting unit 32 for generating a prepaid card sort based on the payment amount and basic information of the prepaid card,
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card.
Further, the prepaid card account management system further includes:
the ciphertext acquisition unit is used for acquiring ciphertext input by the auxiliary account;
and the ciphertext comparison unit is used for triggering the payment unit to execute the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored in the account.
The examples of the present invention are merely illustrative of the principles of the present invention and its efficacy, and are not intended to limit the invention. Modifications and variations may be made to the above-described embodiments by those skilled in the art without departing from the spirit and scope of the invention. Accordingly, it is intended that all equivalent modifications and variations of the invention be covered by the claims, which are within the ordinary skill of the art, be within the spirit and scope of the present disclosure.
Claims (5)
1. A method of managing prepaid card accounts, comprising:
binding the prepaid card to an application end according to information of at least one prepaid card and generating an application end account, wherein the application end account corresponds to a main account and at least one auxiliary account; after the binding of the prepaid card is completed, the user inquires a merchant supporting the consumption of the prepaid card through the function of inquiring the merchant of the prepaid card APP;
acquiring a payment request of a main account or an auxiliary account;
generating a prepaid card order according to the payment request;
performing a payment operation according to the payment scheme selected by the primary account or the secondary account based on the prepaid card ordering;
the generating a prepaid card order from the payment request includes:
acquiring payment amount in a payment request and basic information of a prepaid card in the application-side account;
generating a prepaid card order based on the payment amount and the basic information of the prepaid card,
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card;
the generating prepaid card ranks according to the payment amount and the basic information of the prepaid cards comprises:
if the balance of the prepaid card or the sum of the balance of at least two prepaid cards is equal to the payment amount, sequencing the prepaid cards as the first order of the prepaid card sequencing, or sequencing the at least two prepaid cards as the first order and the second order of the prepaid card sequencing in sequence, and sequencing the rest prepaid cards according to the expiration time or the balance of the prepaid cards;
after ordering the prepaid cards, a user can see the ordering result of the payment by adopting the prepaid cards through an interactive interface of the prepaid card APP, and the user can selectively determine the prepaid cards for payment according to the ordering result to pay;
the method further comprises the steps of: acquiring ciphertext input by an auxiliary account; and executing the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored by the auxiliary account.
2. The method of managing prepaid card accounts according to claim 1, wherein the generating a prepaid card order based on the payment amount and basic information of the prepaid cards comprises:
judging whether the effective days of the prepaid card are smaller than an effective threshold value;
if the number of effective days of the prepaid cards is smaller than the effective threshold, the prepaid cards smaller than the effective threshold are ordered in the order near the effective period.
3. The method of managing prepaid card accounts according to claim 1, wherein the generating a prepaid card order based on the payment amount and basic information of the prepaid cards comprises:
judging whether the effective days of the prepaid card are smaller than an effective threshold value;
and if the effective days of the prepaid cards are greater than the effective threshold, sorting the prepaid cards with the balance of the prepaid cards being greater than or equal to the payment amount in the order of the balance.
4. The method of managing prepaid card accounts of claim 1, further comprising:
and after the payment scheme selected by the auxiliary account is executed, generating a new ciphertext and storing the new ciphertext.
5. A system for managing prepaid card accounts, comprising:
the account generation unit is used for binding the prepaid card to an application end to generate an application end account according to the information of at least one prepaid card, and the application end account corresponds to a main account and at least one auxiliary account; after the binding of the prepaid card is completed, the user inquires a merchant supporting the consumption of the prepaid card through the function of inquiring the merchant of the prepaid card APP;
a payment request acquisition unit for acquiring a payment request of a main account or an auxiliary account;
a prepaid card ordering unit for generating a prepaid card ordering according to the payment request;
a payment unit for performing a payment operation according to a payment scheme selected by the main account or the sub account based on the prepaid card ordering;
the prepaid card sorting unit includes:
the information acquisition unit is used for acquiring the payment amount in the payment request and the basic information of the prepaid card in the application end account;
a sorting unit for generating a prepaid card sort according to the payment amount and the basic information of the prepaid card;
wherein the basic information of the prepaid card comprises validity period and/or balance information of the prepaid card;
the generating prepaid card ranks according to the payment amount and the basic information of the prepaid cards comprises:
if the balance of the prepaid card or the sum of the balance of at least two prepaid cards is equal to the payment amount, the prepaid cards are sequenced as the first digit of the prepaid card sequencing, or the at least two prepaid cards are sequenced as the first digit and the second digit of the prepaid card sequencing in sequence, and the rest prepaid cards are sequenced according to the expiration time of the prepaid cards or the balance;
after ordering the prepaid cards, a user can see the ordering result of the payment by adopting the prepaid cards through an interactive interface of the prepaid card APP, and the user can selectively determine the prepaid cards for payment according to the ordering result to pay;
the system further comprises:
the ciphertext acquisition unit is used for acquiring ciphertext input by the auxiliary account;
and the ciphertext comparison unit is used for triggering the payment unit to execute the payment operation when the ciphertext input by the auxiliary account is consistent with the ciphertext stored in the account.
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| CN111523871A (en) * | 2020-04-15 | 2020-08-11 | 维沃移动通信有限公司 | Payment processing method and electronic equipment |
| CN112990914A (en) * | 2021-04-16 | 2021-06-18 | 深圳前海微众银行股份有限公司 | Card ticket using method, device, equipment and computer readable storage medium |
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