CN106529914A - Automatic-urge charge method and device - Google Patents
Automatic-urge charge method and device Download PDFInfo
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Abstract
The invention provides an automatic-urge charge method and a device. The method comprises steps that the identity information of a user is acquired; a fee-payment history corresponding to the identity information is searched according to the identity information of the user; according to arrearage times or overdue fee-payment times of the fee-payment history, a first credit grade of the user is determined; a second credit grade of the user is acquired from a credit platform; whether the user grade is greater than a first preset threshold is determined; if yes, a user credit value is acquired according to the first credit grade and the second credit grade on the basis of first preset rules; if no, a user credit value is acquired according to the first credit grade and the second credit grade on the basis of second preset rules; according to the user credit value, a corresponding urge charge time interval of the user is acquired; for each urge charge time interval, the corresponding urge charge information is sent to a user terminal of the user. The method is advantaged in that automatic-urge charge can be realized, urge charge efficiency is improved, manpower is saved, the method is more intelligent and humanized, and user experience is improved.
Description
Technical field
The present invention relates to computer application field, urges charging method and device automatically in particular to one kind.
Background technology
As the continuous development of society, power consumption also constantly expand, fee collection is also increasingly heavy, on the other hand, may
As user job is busy or other reasons, cause the situation for subscriber arrearage occur.Many electric companies still adopt people at present
Work phone is urged the mode of expense or puts up the mode of advice note, and bothersome laborious, efficiency is low, and higher for credit worthiness simply even
So forget payment user, what is do not made a distinction frequently urges expense, cause the experience of user very poor.
The content of the invention
In view of this, the purpose of the embodiment of the present invention is to provide one kind to urge automatically charging method and device, above-mentioned to solve
Problem.
To achieve these goals, the technical scheme that the embodiment of the present invention is adopted is as follows：
Automatically charging method, methods described is urged to include in a first aspect, embodiments providing one kind：Obtain the body of user
Part information, the identity information include user gradation；According to the identity information of the user, the identity information correspondence is searched
Payment history；According to arrearage number of times or overdue payment number of times present in the payment history, the first of the user is determined
Credit grade；According to the identity information of the user, second credit grade of the user is obtained from credit platform；Judge described
Whether user gradation is more than the first predetermined threshold value；If the user gradation is more than the first predetermined threshold value, according to the first default rule
Then, user credit value is obtained according to first credit grade and second credit grade；If the user gradation be less than or
Equal to the first predetermined threshold value, then according to the second preset rules, obtained according to first credit grade and second credit grade
Obtain user's credit value；According to the user credit value, the acquisition user is corresponding to urge time-consuming interval, wherein, the user
Credit value is less, corresponding described to urge time-consuming interval shorter；Time-consuming interval is urged every described, to user's end of the user
End transmission is corresponding to urge charge information.
Second aspect, embodiments provides one kind and urges automatically expense device, described device to include：First obtains mould
Block, for obtaining the identity information of user, the identity information includes user gradation；Searching modul, for according to the use
The identity information at family, searches the corresponding payment history of the identity information；Determining module, for according to it is described payment history in deposit
Arrearage number of times or overdue payment number of times, determine first credit grade of the user；Second acquisition module, for according to institute
The identity information of user is stated, and second credit grade of the user is obtained from credit platform；Judge module, for judging the use
Whether family grade is more than the first predetermined threshold value；First processing module, if being more than the first predetermined threshold value for the user gradation,
According to the first preset rules, user credit value is obtained according to first credit grade and second credit grade；At second
Reason module, if being less than or equal to the first predetermined threshold value for the user gradation, according to the second preset rules, according to described the
One credit grade and second credit grade obtain user credit value；3rd acquisition module, for according to the user credit
Value, obtains that the user is corresponding to urge time-consuming interval, wherein, the user credit value is less, corresponding described to urge time-consuming
Interval is shorter；Sending module, for urging time-consuming interval every described, sends to the user terminal of the user and corresponding urges expense
Information.
Compared with prior art, one kind provided in an embodiment of the present invention urges charging method and device automatically, by from different
Platform, gets first credit grade and the second credit grade of user, and according to user gradation, according to different default rule
Then, user credit value is obtained according to first credit grade and second credit grade, further according to the user credit value,
Obtain that the user is corresponding to urge time-consuming interval, time-consuming interval is urged every described, send to the user terminal of the user
It is corresponding to urge charge information, in this way, can be to different user grade and the user of different credit grades, every different
Urge time-consuming interval to carry out urging expense, realization to urge automatically expense, improve and urge expense efficiency, save manpower, and it is more intelligent and
Hommization, improves Consumer's Experience.
To enable the above objects, features and advantages of the present invention to become apparent, preferred embodiment cited below particularly, and coordinate
Appended accompanying drawing, is described in detail below.
Description of the drawings
In order to be illustrated more clearly that the technical scheme of the embodiment of the present invention, below by to be used attached needed for embodiment
Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, thus be not construed as it is right
The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can be with according to this
A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 is the schematic diagram that user terminal provided in an embodiment of the present invention is interacted with server.
Fig. 2 is the structured flowchart of server provided in an embodiment of the present invention.
Fig. 3 is a kind of flow chart for urging automatically charging method that first embodiment of the invention is provided.
Fig. 4 is a kind of flow chart for urging automatically step S320 in charging method that first embodiment of the invention is provided.
Fig. 5 is a kind of flow chart for urging automatically step S360 in charging method that first embodiment of the invention is provided.
Fig. 6 is a kind of flow chart for urging automatically step S370 in charging method that first embodiment of the invention is provided.
Fig. 7 is a kind of flow chart for urging automatically step S700 in charging method that first embodiment of the invention is provided.
Fig. 8 is a kind of flow chart for urging automatically step S800 in charging method that first embodiment of the invention is provided.
Fig. 9 is a kind of structured flowchart for urging automatically expense device that second embodiment of the invention is provided.
Specific embodiment
Below in conjunction with accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground description, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.Generally exist
The component of the embodiment of the present invention described and illustrated in accompanying drawing can be arranged and be designed with a variety of configurations herein.Cause
This, the detailed description of the embodiments of the invention to providing in the accompanying drawings is not intended to limit claimed invention below
Scope, but it is merely representative of the selected embodiment of the present invention.Based on embodiments of the invention, those skilled in the art are not doing
The every other embodiment obtained on the premise of going out creative work, belongs to the scope of protection of the invention.
It should be noted that：Similar label and letter represent similar terms in following accompanying drawing, therefore, once a certain Xiang Yi
It is defined in individual accompanying drawing, then in subsequent accompanying drawing which further need not be defined and is explained.Meanwhile, the present invention's
In description, term " first ", " second " etc. are only used for distinguishing description, and it is not intended that indicating or implying relative importance.
Fig. 1 shows the schematic diagram that server provided in an embodiment of the present invention 200 is interacted with user terminal 100.Institute
State server 200 to be communicatively coupled with one or more user terminals 100 by network 300, to enter row data communication or friendship
Mutually.The server 200 can be the webserver, database server etc..The user terminal 100 can be PC
(personal computer, PC), panel computer, smart mobile phone, personal digital assistant (personal digital
Assistant, PDA), mobile unit, wearable device etc..
In the embodiment of the present invention, client is installed in user terminal 100, the client can be that third-party application is soft
Part, holds corresponding with server (Server), follows jointly same set of data protocol so that service end can be mutual with client
The data of other side are parsed, video playback service is provided the user.
As shown in Fig. 2 being the block diagram of the server 200.The server 200 includes memorizer 201, processes
Device 202 and mixed-media network modules mixed-media 203.
Memorizer 201 can be used to store software program and module, such as in the embodiment of the present invention urge automatically charging method and
Corresponding programmed instruction/the module of device, processor 202 are stored in software program and module in memorizer 201 by operation,
So as to perform various function application and data processing, that is, realize that the application issue in the embodiment of the present invention recommends method.Storage
Device 201 may include high speed random access memory, may also include nonvolatile memory, such as one or more magnetic storage device,
Flash memory or other non-volatile solid state memories.Further, the software program and module in above-mentioned memorizer 201 be also
May include：Operating system 221 and service module 222.Wherein operating system 221, for example, can be LINUX, UNIX, WINDOWS,
Which may include the various component softwares for management system task (such as memory management, storage device control, power management etc.)
And/or drive, and can mutually communicate with various hardware or component software, so as to provide the running environment of other software component.Clothes
On the basis of business module 222 operates in operating system 221, and monitored come automatic network by the network service of operating system 221
Request, completes corresponding data processing according to request, and returns result to client.That is, service module 222 is used
In to client offer network service.
Mixed-media network modules mixed-media 203 is used to receive and send network signal.Above-mentioned network signal may include wireless signal or have
Line signal.
It is appreciated that structure shown in Fig. 2 is only illustrated, the server 200 may also include it is more more than shown in Fig. 2 or
The less component of person, or with the configuration different from shown in Fig. 2.Each component shown in Fig. 2 can using hardware, software or
Its combination is realized.In addition, the server in the embodiment of the present invention can also include the server of multiple concrete difference in functionalitys.
Fig. 3 shows a kind of flow chart for urging automatically charging method provided in an embodiment of the present invention, refers to Fig. 3, this enforcement
Example describes the handling process of server, and methods described includes：
Step S310, obtains the identity information of user, and the identity information includes user gradation.
The identity information of user can be pre-stored within server, and identity information can include identification card number, phone number
Code, home address etc., but it is not limited to this.
Wherein, user gradation can be divided according to multiple standards.For example, can carry out according to the work unit of user
Divide, it is also possible to which the power consumption according to user is divided, and can be divided with the time according to user's electricity payment, than
Such as, the time of user's electricity payment every month is longer relative to the time in advance of default payment absolutely limit, then user gradation can be with
What is arranged is higher.
Step S320, according to the identity information of the user, searches the corresponding payment history of the identity information.
According to the identity information of the user, can be inquired about from the server, it is also possible to from data server
In enter search.The server or data server prestore the identity information and the corresponding payment of the identity information
History.
As a kind of embodiment, Fig. 4 is referred to, step S320 can include：
Step S410, according to the identity information of the user, searches the corresponding data, services of identity information of the user
Device.
The payment history of user can be respectively stored in different data servers, institute is stored in the server
The mapping relations of the server of the identity information payment history corresponding with the identity information is stored of user are stated, by the use
The identity information at family, can find the server of the corresponding payment history of the storage identity information.
Step S420, sends the second inquiry request to the corresponding data server, wraps in second inquiry request
Include the identity information of the user.
Identity information of the data server according to the user, finds the corresponding payment of the identity information and goes through
History, and return to the server.
Step S430, receives the second response message that the database server is returned, and wraps in second response message
Include the corresponding payment history of the identity information.
In this way, it is possible to reduce the storage pressure of server, and server can also be reduced for for looking into
The processing pressure of payment history is looked for, the load of server is significantly reduced.
Step S330, according to arrearage number of times or overdue payment number of times present in the payment history, determines the user
The first credit grade.
As a kind of embodiment, if the arrearage number of times or overdue payment number of times are in first interval, the user
The first credit grade for poor；If the arrearage number of times or overdue payment number of times are in second interval, the first of the user
Credit grade is good；If the arrearage number of times or overdue payment number of times are in 3rd interval, first credit of the user etc.
Level for excellent, wherein, the maximum of the first interval is equal to the minima of the second interval, the maximum of the second interval
Equal to the minima of the 3rd interval.
For example, if 3rd interval is [0,5], second interval is [5,10], and 3rd interval is more than 10, it is assumed that user's owes
It is 3 to take number of times or overdue payment number of times, then first credit grade of the user is excellent.
Step S340, according to the identity information of the user, obtains second credit grade of the user from credit platform.
The credit platform includes Alipay platform, banking system or credit card centre.Server can send and look into
Request is ask to credit, the inquiry request includes the identity information of user, and credit platform receives the inquiry request, according to
The identity information of user makes a look up, and second credit grade of the user is returned to server.
Whether step S350, judge the user gradation more than the first predetermined threshold value.
If the user gradation is more than the first predetermined threshold value, otherwise execution step S360, execution step S370.
Step S360, according to the first preset rules, obtains according to first credit grade and second credit grade
User credit value.
As a kind of embodiment, Fig. 5 is referred to, step S360 can include：
Step S510, by first credit grade and second credit grade, is each mapped to first credit
Corresponding first numerical value of grade and the corresponding second value of second credit grade.
Can in advance by first credit grade and the mapping relations of numerical value, second credit grade is reflected with numerical value
The relation of penetrating is stored in server, and server inquires about institute respectively according to first credit grade and second credit grade
State the mapping relations of the first credit grade and numerical value, the mapping relations of second credit grade and numerical value get described the
Corresponding first numerical value of one credit grade and the corresponding second value of second credit grade.For example, if can be with the first credit
Grade is excellent, can be mapped as the first numerical value 10, and the second credit grade is good, can be mapped as second value 5.
First numerical value and the first multiplied by weight are obtained the first product by step S520.
The second value and the second multiplied by weight are obtained the second product by step S530.
Step S540, first product, the second product and predetermined level parameter are sued for peace, and obtain user credit value.
Step S520 can be calculated according to following formula to step S540：
Y1=A1*X1+A2*X2+B；
Wherein, Y1 is user credit value, and A1 is the first weight, and A2 is the second weight, and X1 is the first numerical value, and X2 is the second number
Value, B are predetermined level parameter.
First weight, the second weight, and predetermined level parameter can be preset according to demand.
Step S370, according to the second preset rules, obtains according to first credit grade and second credit grade
User credit value.
As a kind of embodiment, Fig. 6 is referred to, step S370 can include：
Step S610, by first credit grade and second credit grade, is each mapped to first credit
Corresponding first numerical value of grade and the corresponding second value of second credit grade.
Step S610 is identical with the embodiment of step S510, and here is omitted.
First numerical value and the first multiplied by weight are obtained the first product by step S620.
The second value and the second multiplied by weight are obtained the second product by step S630.
Step S640, first product is sued for peace with the second product, obtains user credit value.
Step S620 can be calculated according to following formula to step S640：
Y1=A1*X1+A2*X2；
Wherein, Y1 is user credit value, and A1 is the first weight, and A2 is the second weight, and X1 is the first numerical value, and X2 is the second number
Value.
First weight, the second weight can be preset according to demand.
It is understood that it is higher for user gradation, it is default due to increased in the rule of calculating user credit value
Class parameter, therefore the calculating user credit value calculated is also higher so that what is finally obtained urges time-consuming interval also longer,
Even if obtaining the higher ranked user of user, longer time interval acquisition can be separated by and urge charge information, this mode is more intelligent
Change and hommization, improve Consumer's Experience.
Step S380, according to the user credit value, the acquisition user is corresponding to urge time-consuming interval, wherein, it is described
User credit value is less, corresponding described to urge time-consuming interval shorter.
The user credit value mapping relations for urging time-consuming interval corresponding with the user, such as mapping table can be with
It is pre-stored within server, according to the user credit value, inquires about the mapping relations, just can obtain the user corresponding
Urge time-consuming interval.
Step S390, urges time-consuming interval every described, sends to the user terminal of the user and corresponding urges charge information.
It is described to urge the information that charge information be note, wechat, multimedia message, voice or other forms.
Further, Fig. 7 is referred to, methods described can also include step S700, specially：
Step S710, receives the 3rd inquiry request that the user terminal of the user sends, and the inquiry request includes institute
State the identity information of user.
Step S720, according to the identity information of the user, generates corresponding e bill, and the e bill includes
Treat payment amount of money.
The e bill is sent to the user terminal of the user by step S730.
In this way so that when user needs inquiry to treat payment amount of money, the can be initiated to server at any time
Three inquiry requests, and corresponding e bill is obtained, this mode causes client that special business hall should not be gone to be inquired about, and leads to
Cross user terminal and can just inquire about the bill of oneself, it is possible to increase Consumer's Experience.
Further, Fig. 8 is referred to, methods described can also include step S800, specially：
Step S810, receives the payment request that the user terminal of the user sends, and the payment request includes described
The identity information and payment amount of money of user.
Step S820, to the payment platform forwarding payment request.
Step S830, receives the payment platform return and subscribes really charge information, and the confirmation payment information is sent
To the user terminal of the user.
In this way, when user gets the bill payment amount of money of oneself, just be able to can be initiated by user terminal
Payment request, and special paying platform need not be gone or go to business hall to be paid, it is that user saves time and energy, and
And, payment platform return is subscribed really charge information and can also return to user terminal, allows users to view whether oneself pays the fees
Success, and have payment voucher, Consumer's Experience is further lifted.
One kind provided in an embodiment of the present invention urges charging method automatically, by from different platforms, getting the first of user
Credit grade and the second credit grade, and according to user gradation, according to different preset rules, according to described first credit etc.
Level and second credit grade obtain user credit value, and further according to the user credit value, the acquisition user is corresponding to be urged
Time-consuming interval, urges time-consuming interval every described, to the user user terminal send it is corresponding urge charge information, by this
The mode of kind, can be carried out urging expense every different time-consuming intervals of urging to different user grade and the user of different credit grades,
Expense is urged in realization automatically, is improve and is urged expense efficiency, saves manpower, and more intelligent and hommization, improve Consumer's Experience.
And cause client that special business hall should not be gone to be inquired about, the bill of oneself, Neng Gouti can be just inquired about by user terminal
High Consumer's Experience.Further, when user gets the bill payment amount of money of oneself, just be able to can initiate to pay by user terminal
Take request, and special paying platform need not be gone or go to business hall to be paid, be that user saves time and energy, and
And, payment platform return is subscribed really charge information and can also return to user terminal, allows users to view whether oneself pays the fees
Success, and have payment voucher, Consumer's Experience is further lifted.
It is the high-level schematic functional block diagram for urging automatically expense device 900 provided in an embodiment of the present invention to refer to Fig. 9.It is described automatic
Expense device 900 is urged to include the first acquisition module 910, searching modul 920, determining module 930, the second acquisition module 940 judge mould
Block 950, first processing module 960, Second processing module 970, the 3rd acquisition module 980, sending module 990.
First acquisition module 910, for obtaining the identity information of user, the identity information includes user etc.
Level.
The searching modul 920, for the identity information according to the user, searches the corresponding payment of the identity information
History.
The determining module 930, for according to it is described payment history present in arrearage number of times or overdue payment number of times, really
First credit grade of the fixed user.
Second acquisition module 940, for the identity information according to the user, obtains the user from credit platform
The second credit grade.
The judge module 950, for judging the user gradation whether more than the first predetermined threshold value.
The first processing module 960, it is if being more than the first predetermined threshold value for the user gradation, default according to first
Rule, obtains user credit value according to first credit grade and second credit grade.
As a kind of embodiment, the first processing module 960, specifically for by first credit grade and described
Second credit grade, is each mapped to corresponding first numerical value of first credit grade and second credit grade is corresponding
Second value；First numerical value and the first multiplied by weight are obtained into the first product；By the second value and the second weight phase
It is multiplied to the second product；First product is sued for peace with the second product, user credit value is obtained.
The Second processing module 970, if being less than or equal to the first predetermined threshold value for the user gradation, according to the
Two preset rules, obtain user credit value according to first credit grade and second credit grade.
3rd acquisition module 980, for according to the user credit value, obtaining, the user is corresponding to urge time-consuming
Interval, wherein, the user credit value is less, corresponding described to urge time-consuming interval shorter.
The sending module 990, for urging time-consuming interval every described, sends correspondence to the user terminal of the user
Urge charge information.
Each module can be that now, above-mentioned each module can be stored in depositing for server 200 by software code realization above
In reservoir 201.Each module equally can be realized by hardware such as IC chip above.
It should be noted that each embodiment in this specification is described by the way of progressive, each embodiment weight
Point explanation is all difference with other embodiment, between each embodiment identical similar part mutually referring to.
What the embodiment of the present invention was provided urges expense device automatically, and which realizes the technique effect and preceding method of principle and generation
Embodiment is identical, is brief description, and device embodiment part does not refer to part, refers in corresponding in preceding method embodiment
Hold.
In several embodiments provided herein, it should be understood that disclosed apparatus and method, it is also possible to pass through
Other modes are realized.Device embodiment described above is only schematically, for example flow chart and block diagram in accompanying drawing
Show the device of multiple embodiments of the invention, the architectural framework in the cards of method and computer program product,
Function and operation.At this point, each square frame in flow chart or block diagram can represent the one of module, program segment or a code
Part, a part for the module, program segment or code are used to realize holding for the logic function for specifying comprising one or more
Row instruction.It should also be noted that at some as in the implementations replaced, the function of being marked in square frame can also be being different from
The order marked in accompanying drawing occurs.For example, two continuous square frames can essentially be performed substantially in parallel, and they are sometimes
Can perform in the opposite order, this is depending on involved function.It is also noted that every in block diagram and/or flow chart
The combination of individual square frame and block diagram and/or the square frame in flow chart, can use the special base for performing the function or action of regulation
Realize in the system of hardware, or can be realized with the combination of specialized hardware and computer instruction.
In addition, each functional module in each embodiment of the invention can integrate to form an independent portion
Divide, or modules individualism, it is also possible to which two or more modules are integrated to form an independent part.
If the function is realized using in the form of software function module and as independent production marketing or when using, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, is used including some instructions so that a computer equipment (can be individual
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the invention.
And aforesaid storage medium includes：USB flash disk, portable hard drive, read only memory (ROM, Read-Only Memory), random access memory
Memorizer (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.Need
It is noted that herein, such as first and second or the like relational terms are used merely to an entity or operation
Make a distinction with another entity or operation, and not necessarily require or imply these entities or exist between operating any this
Actual relation or order.And, term " including ", "comprising" or its any other variant are intended to nonexcludability
Comprising so that a series of process, method, article or equipment including key elements not only includes those key elements, but also wrapping
Other key elements being not expressly set out are included, or also includes intrinsic for this process, method, article or equipment wanting
Element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", it is not excluded that wanting including described
The process of element, method, also there is other identical element in article or equipment.
The preferred embodiments of the present invention are the foregoing is only, the present invention is not limited to, for the skill of this area
For art personnel, the present invention can have various modifications and variations.It is all within the spirit and principles in the present invention, made any repair
Change, equivalent, improvement etc., should be included within the scope of the present invention.It should be noted that：Similar label and letter exist
Similar terms is represented in figure below, therefore, once being defined in a certain Xiang Yi accompanying drawing, then it is not required in subsequent accompanying drawing
Which is further defined and is explained.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
1. one kind urges charging method automatically, it is characterised in that methods described includes：
The identity information of user is obtained, the identity information includes user gradation；
According to the identity information of the user, the corresponding payment history of the identity information is searched；
According to arrearage number of times or overdue payment number of times present in the payment history, first credit of the user etc. is determined
Level；
According to the identity information of the user, second credit grade of the user is obtained from credit platform；
Judge the user gradation whether more than the first predetermined threshold value；
If the user gradation is more than the first predetermined threshold value, according to the first preset rules, according to first credit grade and
Second credit grade obtains user credit value；
If the user gradation is less than or equal to the first predetermined threshold value, according to the second preset rules, according to first credit
Grade and second credit grade obtain user credit value；
According to the user credit value, the acquisition user is corresponding to urge time-consuming interval, wherein, the user credit value is got over
It is little, it is corresponding described to urge time-consuming interval shorter；
Time-consuming interval is urged every described, is sent to the user terminal of the user and corresponding is urged charge information.
2. according to the method described in claim 1, it is characterised in that described according to the first preset rules, according to described first
Credit grade and second credit grade obtain user credit value, including：
By first credit grade and second credit grade, first credit grade corresponding first is each mapped to
Numerical value and the corresponding second value of second credit grade；
First numerical value and the first multiplied by weight are obtained into the first product；
The second value and the second multiplied by weight are obtained into the second product；
First product, the second product and predetermined level parameter are sued for peace, user credit value is obtained.
3. according to the method described in claim 1, it is characterised in that described according to the second preset rules, according to described first
Credit grade and second credit grade obtain user credit value, including：
By first credit grade and second credit grade, first credit grade corresponding first is each mapped to
Numerical value and the corresponding second value of second credit grade；
First numerical value and the first multiplied by weight are obtained into the first product；
The second value and the second multiplied by weight are obtained into the second product；
First product is sued for peace with the second product, user credit value is obtained.
4. according to the method described in claim 1, it is characterised in that described according to arrearage time present in the payment history
Several or overdue payment number of times, determines first credit grade of the user, including：
If the arrearage number of times or overdue payment number of times are in first interval, first credit grade of the user is poor；
If the arrearage number of times or overdue payment number of times are in second interval, first credit grade of the user is good；
If the arrearage number of times or overdue payment number of times are in 3rd interval, first credit grade of the user be it is excellent, its
In, the maximum of the first interval is equal to the minima of the second interval, and the maximum of the second interval is equal to described
The minima of 3rd interval.
5. according to the method described in claim 1, it is characterised in that the credit platform includes Alipay platform, banking
Business system or credit card centre.
6., according to the method described in claim 1, it is characterised in that the identity information according to the user, institute is searched
The corresponding payment history of identity information is stated, including：
According to the identity information of the user, the corresponding data server of identity information of the user is searched；
The second inquiry request is sent to the corresponding data server, second inquiry request includes the body of the user
Part information；
The second response message that the data server is returned is received, second response message includes the identity information pair
The payment history answered.
7. according to the method described in claim 1, it is characterised in that methods described also includes：
The 3rd inquiry request that the user terminal of the user sends is received, the inquiry request includes the identity letter of the user
Breath；
According to the identity information of the user, corresponding e bill is generated, the e bill includes treating payment amount of money；
The e bill is sent to into the user terminal of the user.
8. according to the method described in claim 1, it is characterised in that methods described also includes：
The payment request that the user terminal of the user sends is received, the payment request includes the identity information of the user
And payment amount of money；
To the payment platform forwarding payment request；
Receive the payment platform return and subscribe really charge information, and the confirmation payment information is sent to the use of the user
Family terminal.
9. one kind urges expense device automatically, it is characterised in that described device includes：
First acquisition module, for obtaining the identity information of user, the identity information includes user gradation；
Searching modul, for the identity information according to the user, searches the corresponding payment history of the identity information；
Determining module, for according to arrearage number of times or overdue payment number of times present in the payment history, determining the user
The first credit grade；
Second acquisition module, for the identity information according to the user, obtains second credit of the user from credit platform
Grade；
Judge module, for judging the user gradation whether more than the first predetermined threshold value；
First processing module, if being more than the first predetermined threshold value for the user gradation, according to the first preset rules, according to institute
State the first credit grade and second credit grade obtains user credit value；
Second processing module, if being less than or equal to the first predetermined threshold value for the user gradation, according to the second preset rules,
User credit value is obtained according to first credit grade and second credit grade；
3rd acquisition module, for according to the user credit value, obtaining, the user is corresponding to urge time-consuming interval, wherein,
The user credit value is less, corresponding described to urge time-consuming interval shorter；
Sending module, for urging time-consuming interval every described, sends to the user terminal of the user and corresponding urges charge information.
10. device according to claim 9, it is characterised in that the first processing module, specifically for by described first
Credit grade and second credit grade, are each mapped to corresponding first numerical value of first credit grade and described second
The corresponding second value of credit grade；First numerical value and the first multiplied by weight are obtained into the first product；By the described second number
Value obtains the second product with the second multiplied by weight；First product is sued for peace with the second product, user credit value is obtained.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611069416.4A CN106529914A (en) | 2016-11-28 | 2016-11-28 | Automatic-urge charge method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611069416.4A CN106529914A (en) | 2016-11-28 | 2016-11-28 | Automatic-urge charge method and device |
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| CN106529914A true CN106529914A (en) | 2017-03-22 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201611069416.4A Pending CN106529914A (en) | 2016-11-28 | 2016-11-28 | Automatic-urge charge method and device |
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