Digital Currency-Based Prepayment Fund Management Method, Apparatus and System

An electronic device for managing prepayment funds based on digital currencies, comprising:

• one or more processors;
• and
• a storage apparatus, configured to store one or more programs;
• wherein the one or more programs, upon being executed by the one or more processors, cause the one or more processors to;
• receive a generation request for a prepayment card corresponding to a prepayment fund, the generation request indicating the target merchant corresponding to the prepayment card to be generated, user information of the prepayment card, a prepayment amount, and a prepayment card type;
• generate a payment order according to the prepayment amount and receiving a first digital currency for prepayment;
• generate a target prepayment card and a smart contract sub-wallet according to the target merchant, the user information of the prepayment card and the first digital currency, wherein the smart contract sub-wallet is set in the merchant operating agency and is bound to a prepayment card smart contract according to the prepayment card type, and an identifier of the smart contract sub-wallet is associated with a prepayment card identifier of the target prepayment card;
• and
• store a second digital currency corresponding to the target prepayment card in the smart contract sub-wallet.

A non-transitory computer-readable medium having stored a computer program thereon, wherein the program, upon being executed by a processor, implements the method comprising:

• receiving a generation request for a prepayment card corresponding to a prepayment fund, the generation request indicating the target merchant corresponding to the prepayment card to be generated, user information of the prepayment card, a prepayment amount, and a prepayment card type;
• generating a payment order according to the prepayment amount and receiving a first digital currency for prepayment;
• generating a target prepayment card and a smart contract sub-wallet according to the target merchant, the user information of the prepayment card and the first digital currency, wherein the smart contract sub-wallet is set in the merchant operating agency and is bound to a prepayment card smart contract according to the prepayment card type, and an identifier of the smart contract sub-wallet is associated with a prepayment card identifier of the target prepayment card;
• and
• storing a second digital currency corresponding to the target prepayment card in the smart contract sub-wallet.