CN111582850A - Electricity charge recharging method and device based on mobile phone bank - Google Patents
Electricity charge recharging method and device based on mobile phone bank Download PDFInfo
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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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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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
Abstract
The invention discloses an electric charge recharging method and device based on a mobile phone bank, wherein the method comprises the following steps: collecting historical electricity utilization data of a mobile phone user; predicting the electricity charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user; and calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user, and executing the electric charge recharging service on the mobile phone banking application program of the mobile phone user. The invention can realize the purpose of automatically recharging the electric charge on the mobile phone bank application program, and avoid the condition that the life or work of a user is influenced by the power failure caused by insufficient electric charge.
Description
Technical Field
The invention relates to the field of mobile application, in particular to a method and a device for recharging electric charge based on a mobile phone bank.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the rapid development of communication and internet, various business functions on mobile banking are continuously updated and perfected. At present, most mobile phone banks can support business functions of inquiry, transfer, remittance, payment, financing, payment, online shopping and the like.
The electric charge payment is a very necessary payment item in the life payment items of the mobile phone bank, and the conventional mobile phone bank only supports manual payment, and usually, a user thinks of payment only when finding that the house is powered off. For most users, the occurrence of power failure can seriously affect work or life, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides an electric charge recharging method based on a mobile phone bank, which is used for solving the technical problem that the existing mobile phone bank only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted, and the method comprises the following steps: collecting historical electricity utilization data of a mobile phone user; predicting the electricity charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user; and calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user, and executing the electric charge recharging service on the mobile phone banking application program of the mobile phone user.
The embodiment of the invention also provides an electric charge recharging device based on the mobile phone bank, which is used for solving the technical problem that the existing mobile phone bank only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted, and comprises the following components: the historical electricity utilization data acquisition module is used for acquiring historical electricity utilization data of a mobile phone user; the electric charge recharging data prediction module is used for predicting the electric charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user; and the electric charge recharging module is used for calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user and executing the electric charge recharging service on the mobile phone banking application program of the mobile phone user.
The embodiment of the invention also provides computer equipment for solving the technical problem that the traditional mobile banking only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the existing mobile phone bank only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted.
In the embodiment of the invention, the electricity charge recharging data of the mobile phone user is predicted according to the historical electricity consumption data of the mobile phone user by acquiring the historical electricity consumption data of the mobile phone user, and finally, the intelligent contract for electricity charge recharging on the block chain network is called according to the electricity charge recharging data of the mobile phone user, so that the electricity charge recharging service is executed on the mobile phone banking application program of the mobile phone user.
The embodiment of the invention can realize the purpose of automatically recharging the electric charge on the mobile phone bank application program and avoid the condition that the life or work of a user is influenced by power failure caused by insufficient electric charge.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of an electric charge recharging method based on a mobile banking according to an embodiment of the present invention;
fig. 2 is a schematic diagram of an electric charge recharging system based on a mobile banking in an embodiment of the present invention;
fig. 3 is a schematic diagram of an electric charge recharging device based on a mobile banking according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
The embodiment of the invention provides an electric charge recharging method based on a mobile phone bank, fig. 1 is a flow chart of the electric charge recharging method based on the mobile phone bank provided by the embodiment of the invention, and as shown in fig. 1, the method can comprise the following steps:
s101, collecting historical electricity utilization data of a mobile phone user.
It should be noted that the historical electricity consumption data collected in S101 may be historical electricity usage data or historical electricity fee payment data, where the historical electricity usage data refers to electricity usage data of a mobile phone user in a historical time period; the historical electric charge payment data refers to electric charge payment data of a mobile phone user in a historical time period.
In an embodiment, the electricity usage data collected in S101 may be the remaining electricity of the electricity meter in the home of the mobile phone user collected according to a predetermined period or a predetermined time point, and is stored in the database or the block chain network, so as to obtain the corresponding electricity usage data by accessing the database or querying the block chain network; the electric charge payment data collected in S101 may be information such as a recharge amount, a recharge time, a recharge channel, and the like collected when the mobile phone user performs electric charge recharge or payment, and is stored in the database or the block chain network, so as to obtain the corresponding electric charge payment data by accessing the database or querying the block chain network.
In practical applications, the time points of data acquisition may be acquired according to a fixed period or frequency, for example, data acquisition every other week or every other month; it may be acquired at random (non-fixed period or frequency), for example, at random dates such as 1 day, 5 days, 13 days, 19 days, 25 days per month. The invention is not limited in this regard.
And S102, predicting the electricity charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user.
It should be noted that, in the above S102, the electric charge recharging data may be predicted according to the historical electric quantity usage data of the mobile phone user, the electric charge recharging data may also be predicted according to the historical electric charge payment data of the mobile phone user, and the electric charge recharging data may also be predicted according to the historical electric quantity usage data and the historical electric charge payment data of the mobile phone.
Alternatively, the electric charge supplement data predicted in S102 may include: the remaining power usage duration and/or the electric charge recharge amount.
In one embodiment, when predicting remaining battery usage duration, a data set of remaining battery of the handset over a historical period of time (e.g., one month) may be collected, i.e., D ═ x1,x2,…xi…xm}; wherein x isiAnd (4) representing the residual capacity information corresponding to the time point i, and predicting the current residual capacity use duration of the mobile phone user based on a machine learning regression model after the residual capacity data set is obtained.
In another embodiment, the recharging time point and the recharging amount of the next electric charge recharging of the mobile phone user can be predicted by utilizing the regression model based on the electric recharging amount of the mobile phone user. Of course, the remaining power usage duration and/or the electric charge recharge amount may be predicted based on the information such as the remaining power and the recharge amount.
And S103, calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
It should be noted that the above-mentioned intelligent contract for charging electric charge in S103 refers to a program deployed in advance on the block chain network, and is used for executing an electric charge charging service on a mobile banking application program of a mobile phone user according to electric charge charging data of each mobile phone user. In one embodiment, the blockchain network may send an automatic electric charge recharging request to a mobile phone terminal of the mobile phone user based on an electric charge recharging intelligent contract, so that a mobile phone banking application program on the mobile phone terminal realizes automatic electric charge recharging according to the received automatic electric charge recharging request.
Since the currency type in the mobile banking account may be different for different users, in order to satisfy more currency types of mobile phone users, the above S103 may include the following steps: detecting whether the account currency type of the mobile phone user is consistent with the currency type of electric charge recharging based on the mobile phone banking application program of the mobile phone user; when the account currency type of the mobile phone user is not consistent with the electricity fee recharging currency type, calling a currency exchange intelligent contract on the blockchain network to execute a currency exchange business on a mobile phone banking application program of the mobile phone user; and detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user under the condition that the account currency type of the mobile phone user is consistent with the electric charge recharging currency type.
Further, after the automatic electric charge recharging service is executed once each time, the real-time electricity consumption data and recharging data of the mobile phone user are uploaded to the block chain network to serve as a data basis for predicting the electric charge recharging data next time.
In the embodiment of the invention, the automatic electric charge recharging transaction amount executed by each node in the blockchain network is counted, and the credibility weight of each node is further determined based on the service transaction amount of each node executing electric charge recharging, so that whether the data uploaded by the node is subjected to uplink transmission or not is determined according to the credibility weight of each node. That is, the service transaction amount of each node for performing the electric charge recharge is used for representing the credibility of each node (if the node is a bank financial institution, the public credibility of the financial institution can be reflected to a certain extent, that is, the larger the transaction amount is, the more credible the bank financial institution is represented).
It should be noted that the manner of executing S103 may be different for different application scenarios. For example, for some users who allow overdraft the electric charge in the power grid system, the above S103 may be executed to realize automatic recharge of the electric charge after the electric charge of the mobile phone user overdraft a preset amount of money or overdraft a preset duration; for some users whose power grid system does not allow overdraft of the electric charge, the above S103 is executed to realize automatic charging of the electric charge when the remaining electricity usage duration of the mobile phone user is less than the preset duration or the remaining electric charge charging amount is less than the preset amount, so as to avoid the influence of power failure on user experience.
The block chain network in the embodiment of the invention refers to a point-to-point network formed by a plurality of nodes; each node records information uploaded to the block chain network based on a consensus mechanism, and optionally, in the embodiment of the present invention, the block chain network is built based on a HyperLegendric fabric.
Fig. 2 is a schematic diagram of an electric charge recharging system based on a mobile banking provided in an embodiment of the present invention, and as shown in fig. 2, the system includes: the system comprises a mobile phone client 201, a banking server 202, an electric quantity monitoring server 203, an electric charge settlement server 204 and a block chain network 205; the banking server 202, the electric quantity monitoring server 203, and the electric charge settlement server 204 may access the blockchain network 205 through their own blockchain clients, and upload data to the blockchain network through their own blockchain clients, or receive data pushed by the blockchain. The user can access the banking service server 202 through the internet through the mobile banking application installed on the mobile client 201, and realize the electric charge recharging by using the electric charge recharging service provided by the banking service server 202.
It should be noted that, in the embodiment of the present invention, the banking server 202, the electric quantity monitoring server 203, and the electric charge settlement server 204 are connected to the blockchain network 205 through their respective blockchain clients, instead of using the banking server 202, the electric quantity monitoring server 203, and the electric charge settlement server 204 as an accounting node in the blockchain network, software and hardware modifications of the existing servers can be reduced.
As can be seen from the above, the electric charge recharging method based on the mobile phone bank provided in the embodiment of the present invention predicts the electric charge recharging data of the mobile phone user according to the historical electric charge data of the mobile phone user by collecting the historical electric charge data of the mobile phone user, and finally invokes the electric charge recharging smart contract on the block link network according to the electric charge recharging data of the mobile phone user, so as to execute the electric charge recharging service on the mobile phone bank application program of the mobile phone user.
By the method for recharging the electric charge based on the mobile phone bank, the aim of automatically recharging the electric charge on an application program of the mobile phone bank can be fulfilled, and the condition that the life or work of a user is influenced by power failure caused by insufficient electric charge is avoided.
It should be noted that when the balance of the account of the mobile phone user in the mobile phone bank is insufficient, the automatic charging of the electric charge may be failed, and thus, in an embodiment, the step S103 may be implemented by: detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user; and when the account balance of the mobile phone user meets the electric charge recharging amount, calling an electric charge recharging intelligent contract on the block chain network, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
Optionally, based on the above embodiment, the method for charging an electric charge based on a mobile banking provided in the embodiment of the present invention may further include the following steps: and when the account balance of the mobile phone user does not meet the electric charge recharging amount, sending an electric charge recharging reminding message to the mobile phone user based on the mobile phone banking application program of the mobile phone user.
In one embodiment, when detecting whether the account balance of the mobile phone user meets the electric charge recharging amount based on the mobile phone banking application program of the mobile phone user, the method can be specifically implemented by the following steps: detecting whether the account currency type of the mobile phone user is consistent with the currency type of electric charge recharging based on the mobile phone banking application program of the mobile phone user; when the account currency type of the mobile phone user is not consistent with the electricity fee recharging currency type, calling a currency exchange intelligent contract on the blockchain network to execute a currency exchange business on a mobile phone banking application program of the mobile phone user; and detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user under the condition that the account currency type of the mobile phone user is consistent with the electric charge recharging currency type. In this embodiment, the bank foreign currency service server and the electric charge recharging service server can communicate with each other. Optionally, both the bank foreign currency service server and the electric charge recharging service server can access the block chain network, and upload respective service processing data to the block chain network, so as to ensure that foreign currency exchange service data cannot be tampered.
In order to ensure that data cannot be tampered and the execution efficiency of the electric charge recharging service is improved, the power utilization data and the recharging data of each mobile phone user can be uploaded to the block chain network, so that the historical power utilization data and the historical recharging data of each mobile phone user can be obtained based on the block chain network.
In an embodiment, the method for charging an electric charge based on a mobile banking provided in the embodiment of the present invention may collect historical electricity consumption data of a mobile phone user through the following steps: acquiring identification information of a mobile phone user; and searching historical electricity utilization data and historical recharging data of the mobile phone user, which are stored in the block chain network, based on the identification information of the mobile phone user. Alternatively, the identification information of the mobile phone user may be an ID uniquely identifying the identity information of each mobile phone user, which is set for each mobile phone user. When the relevant data of each mobile phone user is uploaded to the block chain network, the ID of each mobile phone user and the data to be uploaded are packaged and uploaded together.
It should be noted that before searching the historical electricity consumption data and the historical recharging data of the mobile phone user stored on the block link network, the electricity consumption data and the recharging data of the mobile phone user need to be uploaded to each node of the block link network for storage, so as to ensure traceability and non-tamper of the electricity consumption data and the recharging data.
Because the data stored in the blockchain network is public for each node of the blockchain network, in order to protect the privacy of user data, in the embodiment of the invention, when the electricity consumption data and the recharge data of a mobile phone user are uploaded to the blockchain network, the electricity consumption data and the recharge data of the user are encrypted based on various encryption algorithms (such as a hash algorithm or an asymmetric encryption algorithm), and the encrypted electricity consumption data and the encrypted recharge data are uploaded to the blockchain network. In this way, nodes in the blockchain network that are authorized or obtain the corresponding key information are enabled to decrypt the corresponding data.
With the continuous increase of the business transaction amount, the data amount stored on the block chain network is also continuously increased, and in order to reduce the data storage space, in the embodiment of the invention, when the electricity utilization data or the recharging data of the mobile phone user are uploaded to the block chain network, the electricity utilization data and the recharging data to be uploaded are compressed, and the compressed data are uploaded to the block chain network. By compressing the data to be uploaded to the block chain network, the bandwidth of network transmission data can be reduced, and the data to be uploaded can be quickly uploaded to the block chain network.
It should be noted that in the embodiment of the present invention, the data uploaded to the blockchain network needs to be agreed in the blockchain network, so as to be recorded on the blockchain of each node in the blockchain network.
Based on the same inventive concept, the embodiment of the invention also provides an electric charge recharging device based on the mobile phone bank, which is described in the following embodiment. Because the principle of solving the problems of the embodiment of the device is similar to the method for charging the electric charge based on the mobile phone bank, the implementation of the embodiment of the device can refer to the implementation of the method, and repeated parts are not described again.
Fig. 3 is a schematic diagram of an electric charge recharging device based on a mobile banking according to an embodiment of the present invention, as shown in fig. 3, the device may include: the system comprises a historical electricity consumption data acquisition module 31, an electric charge recharging data prediction module 32 and an electric charge recharging module 33.
The historical electricity consumption data acquisition module 31 is used for acquiring historical electricity consumption data of a mobile phone user; the electric charge recharging data prediction module 32 is used for predicting the electric charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user; and the electric charge recharging module 33 is used for calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
As can be seen from the above, in the electric charge recharging device based on the mobile phone bank provided in the embodiment of the present invention, the historical electricity consumption data of the mobile phone user is collected by the historical electricity consumption data collecting module 31; predicting the electric charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user by the electric charge recharging data prediction module 32; and calling an electric charge recharging intelligent contract on the block chain network through the electric charge recharging module 33 according to the electric charge recharging data of the mobile phone user, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
The electric charge recharging device based on the mobile phone bank can achieve the purpose of automatically recharging the electric charge on an application program of the mobile phone bank, and avoid the situation that the life or work of a user is influenced by power failure caused by insufficient electric charge.
In one embodiment, the electric charge recharging module 33 may be specifically configured to perform the following steps: detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user; and when the account balance of the mobile phone user meets the electric charge recharging amount, calling an electric charge recharging intelligent contract on the block chain network, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
In one embodiment, the electric charge recharging apparatus based on the mobile banking provided in the embodiment of the present invention may further include: and the message reminding module 34 is configured to send an electric charge recharging reminding message to the mobile phone user based on the mobile banking application program of the mobile phone user when the account balance of the mobile phone user does not satisfy the electric charge recharging amount.
In an embodiment, in the electric fee recharging device based on the mobile banking provided in the embodiment of the present invention, the electric fee recharging module 33 may be further configured to perform the following steps: detecting whether the account currency type of the mobile phone user is consistent with the currency type of electric charge recharging based on the mobile phone banking application program of the mobile phone user; when the account currency type of the mobile phone user is not consistent with the electricity fee recharging currency type, calling a currency exchange intelligent contract on the blockchain network to execute a currency exchange business on a mobile phone banking application program of the mobile phone user; and detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user under the condition that the account currency type of the mobile phone user is consistent with the electric charge recharging currency type.
In one embodiment, the historical electricity consumption data acquisition module 31 may also be configured to acquire identification information of a mobile phone user; and searching historical electricity utilization data and historical recharging data of the mobile phone user, which are stored in the block chain network, based on the identification information of the mobile phone user.
Optionally, the electric charge recharging device based on the mobile banking provided in the embodiment of the present invention may further include: and the block chain data uploading module 35 is configured to upload the electricity consumption data and the recharge data of the mobile phone user to the block chain network.
Optionally, in the electric fee recharging device based on the mobile banking provided in the embodiment of the present invention, the electric fee recharging data predicted by the electric fee recharging data prediction module 32 may include: the remaining power usage duration and/or the electric charge recharge amount.
Based on the same invention concept, the embodiment of the invention also provides a computer device, which is used for solving the technical problem that the existing mobile banking only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the existing mobile phone bank only supports manual electric charge recharging and cannot automatically recharge the electric charge before the electric charge is exhausted.
In summary, embodiments of the present invention provide an electric charge recharging method, apparatus, computer device and computer readable storage medium based on a mobile banking, which predict electric charge recharging data (remaining electric charge usage duration or electric charge recharging amount) of a mobile phone user by using historical electricity consumption data (historical electricity usage data or historical electric charge recharging data) of the mobile phone user, and then use an intelligent contract of a block chain network to implement automatic recharging of electric charges before the electricity consumption of the mobile phone user is exhausted. The embodiment of the invention can realize the purpose of automatically recharging the electric charge on the mobile banking application program, avoid the situation that the life or work of a user is influenced by power failure caused by insufficient electric charge, and greatly improve the user experience.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A method for charging electric charge based on mobile banking is characterized by comprising the following steps:
collecting historical electricity utilization data of a mobile phone user;
predicting the electricity charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user;
and calling an electric charge recharging intelligent contract on a block chain network according to the electric charge recharging data of the mobile phone user, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
2. The method of claim 1, wherein invoking an electric charge charging smart contract on a blockchain network according to the electric charge charging data of the mobile phone user to perform an electric charge charging service on a mobile banking application of the mobile phone user comprises:
detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user;
and when the account balance of the mobile phone user meets the electric charge recharging amount, calling an electric charge recharging intelligent contract on the block chain network, and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
3. The method of claim 2, wherein the method further comprises:
and when the account balance of the mobile phone user does not meet the electric charge recharging amount, sending an electric charge recharging reminding message to the mobile phone user based on the mobile phone banking application program of the mobile phone user.
4. The method of claim 2, wherein detecting whether the account balance of the mobile phone user satisfies an electric charge top-up amount based on the mobile phone banking application of the mobile phone user comprises:
detecting whether the account currency type of the mobile phone user is consistent with the currency type of electric charge recharging or not based on the mobile phone banking application program of the mobile phone user;
when the account currency type of the mobile phone user is not consistent with the electricity fee recharging currency type, calling a currency exchange intelligent contract on a blockchain network to execute a currency exchange business on a mobile phone banking application program of the mobile phone user;
and detecting whether the account balance of the mobile phone user meets the electric charge recharging amount or not based on the mobile phone banking application program of the mobile phone user under the condition that the account currency type of the mobile phone user is consistent with the electric charge recharging currency type.
5. The method of claim 1, wherein collecting historical electricity usage data for a user of a cell phone comprises:
acquiring identification information of the mobile phone user;
and searching historical electricity utilization data and historical recharging data of the mobile phone user, which are stored in the block chain network, based on the identification information of the mobile phone user.
6. The method of claim 1, wherein the method further comprises:
and uploading the electricity utilization data and the recharge data of the mobile phone user to a block chain network.
7. The method of any one of claims 1 to 6, wherein the electric charge supplement data includes: the remaining power usage duration and/or the electric charge recharge amount.
8. The utility model provides an electric charge charging device based on cell-phone bank which characterized in that includes:
the historical electricity utilization data acquisition module is used for acquiring historical electricity utilization data of a mobile phone user;
the electric charge recharging data prediction module is used for predicting the electric charge recharging data of the mobile phone user according to the historical electricity consumption data of the mobile phone user;
and the electric charge recharging module is used for calling an electric charge recharging intelligent contract on the block chain network according to the electric charge recharging data of the mobile phone user and executing an electric charge recharging service on a mobile phone banking application program of the mobile phone user.
9. The apparatus of claim 8, wherein the apparatus further comprises:
and the message reminding module is used for sending the electric charge recharging reminding message to the mobile phone user based on the mobile phone banking application program of the mobile phone user when the account balance of the mobile phone user does not meet the electric charge recharging amount.
10. The apparatus of claim 8, wherein the apparatus further comprises:
and the block chain data uploading module is used for uploading the electricity utilization data and the recharging data of the mobile phone user to a block chain network.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor implements the method for charging electric charges based on mobile banking according to any one of claims 1 to 7 when executing the computer program.
12. A computer-readable storage medium storing a computer program for executing the mobile banking-based electric charge charging method according to any one of claims 1 to 7.
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